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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Car insurance in Lansing costs an average of $201 per month, according to our analysis of thousands of local quotes. Lansing’s rates tend to be higher than the national average due to Michigan’s unique no-fault insurance system and the city’s higher-than-average accident rates.[1]
Fortunately, many companies offer policies for much cheaper than the citywide average. For example, our data shows that Auto-Owners, USAA, and Chubb provide some of the most affordable options in the area.
In this article, we’ll break down the cheapest car insurance companies in Lansing for various driver types, help you understand how to pick the right company, and share tips on saving money while getting the coverage you need.
Auto-Owners offers the cheapest car insurance in Lansing, at $54 per month.
Lansing drivers pay an average of $147 per month for liability coverage and $256 for full coverage.
Michigan requires all drivers to have personal injury protection (PIP), property protection insurance (PPI), and liability coverage to legally drive.
You can find plenty of affordable options in Lansing, regardless of the city’s somewhat expensive average rates. The table below shows the cheapest car insurance companies in Lansing, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $54 |
| USAA | $55 |
| Chubb | $59 |
| GEICO | $82 |
| Safeco | $92 |
| Nationwide | $110 |
| State Farm | $112 |
| Progressive | $114 |
| Travelers | $129 |
| Direct Auto | $130 |
| Bristol West | $156 |
Auto-Owners offers the lowest average car insurance rates in Lansing, at just $54 per month. But your specific situation might affect which company offers you the best deal. With that in mind, let’s look at the cheapest options based on different driver profiles and coverage needs.
While the companies above offer great starting points, your personal rates can vary significantly based on factors like your age, driving record, and credit history. That’s why it’s so important to compare quotes from multiple companies to find a personalized rate that’s right for you.
To get you started, the table below shows the cheapest companies for various driver types and coverage levels, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $54 |
| Full coverage | Auto-Owners | $95 |
| Teens | Auto-Owners | $88 |
| Seniors | Auto-Owners | $42 |
| Drivers with a speeding ticket | Auto-Owners | $63 |
| Drivers with an at-fault accident | Auto-Owners | $73 |
| Drivers with a DUI | Auto-Owners | $83 |
| Drivers with excellent credit | Auto-Owners | $42 |
| Drivers with poor credit | USAA | $63 |
Policies in Lansing start as low as $54 per month.
The average rate for minimum liability coverage in Lansing is $147 per month, according to our research. But keep in mind that most insurance experts recommend purchasing more than the state minimum coverage since it might not fully protect you after a serious accident.[2]
But if you need simple coverage that meets Michigan’s requirements without sacrificing your budget, check out these top contenders for budget-friendly car insurance.
Most drivers should consider full-coverage insurance for better financial protection. Full coverage adds comprehensive and collision coverage to your policy alongside the other state-mandated coverages to pay for damages from theft, vandalism, weather, and accidents.
And if you finance or lease your car, your lender will require you to purchase full coverage to protect their investment.[3]
Our analysis shows that the average rate for full coverage in Lansing is $256 per month. But several insurers offer full protection for prices closer to the average liability rate.
Here’s a breakdown of the most affordable options for full coverage in Lansing, according to Compare.com data.
Teens tend to face the highest insurance rates of any age group due to their lack of driving experience and higher likelihood of being involved in accidents.[4] Our data shows that nationwide, the average teen pays nearly twice as much as drivers 20 and older.
In Lansing, the average rate for teen drivers is $307 per month, according to Compare.com data. But don’t worry — you can still find affordable coverage if you’re a young driver.
The following chart shows which companies offer the best rates for teen drivers in Lansing, according to our research.
Seniors, on the other hand, typically enjoy some of the lowest car insurance rates due to their extensive driving experience and tendency to drive fewer miles than younger age groups.[5] The average rate for senior drivers in Lansing is $164 per month. Even so, you can likely find even better deals from several companies.
Take a look at the data below, highlighting the five most affordable insurers for seniors in Lansing, according to our data.
Getting a speeding ticket can increase your insurance rates the next time your policy renews. That’s because it signals to insurance companies that you might be a higher-risk driver who’s more likely to file costly claims in the future.[6] In fact, our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide.
The average rate for Lansing drivers with a recent ticket is $222 per month, but several insurers offer more competitive rates.
If you want to save after getting a ticket, check out these five companies. Each one offers some of the most competitive rates in Lansing for drivers with recent violations.
Causing an accident can significantly increase your insurance rates since it indicates to insurers that you’re more likely to file claims in the future. Our analysis found that a single at-fault accident causes average rates to jump by 33% nationwide.
The average rate for Lansing drivers with a recent accident is $287 per month, but you can often find better deals with one of the five insurers highlighted in the chart below.
A DUI conviction causes the most dramatic increase in car insurance rates of any driving incident. Our research shows average rates spike by a staggering 59% nationwide after even one DUI conviction.
Not only that, but getting a DUI can even make it difficult to find coverage at all — some insurance companies won’t insure drivers with this violation.
The average rate for Lansing drivers with a DUI conviction is $324 per month, according to our data. But some insurers specialize in high-risk drivers, including people with DUIs.[7]
We found that these five companies offer the most affordable rates for Lansing drivers with a DUI on their record.
Some insurance companies look at your credit history when calculating your rates. They use a credit-based insurance score to determine your likelihood of defaulting on your bill or filing claims in the future.[8] While Michigan limits insurers from using your credit to approve or deny you coverage, you’ll likely pay more if you have a spotty credit history.
In fact, our research shows drivers with poor credit pay 40% more than people with excellent credit scores.
In Lansing, the average rate for drivers with poor credit is $230 per month, according to our data. But not all companies use credit, and some offer affordable rates regardless of your credit history.
If you’re looking for coverage despite credit challenges, we’ve highlighted a few companies offering great rates for Lansing drivers with less-than-perfect credit.
Compare personalized quotes from Lansing’s top insurers.
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Michigan, like most states, requires all drivers to have car insurance. Here are Michigan’s minimum requirements:[9]
$50,000 per person and $100,000 per accident in bodily injury liability
$10,000 in property damage liability
$1 million in property protection insurance (PPI)
Most experts recommend buying as much coverage as you can afford. That’s because Michigan’s somewhat minimal requirements might not fully protect you if you cause an accident.
For example, if you cause an accident that totals someone’s $40,000 vehicle, the $10,000 in state-minimum property damage coverage would leave you personally responsible for the remaining $30,000.
Here are answers to some commonly asked questions about car insurance in Lansing.
The average cost of car insurance in Lansing is $147 per month for minimum-liability coverage and $256 for full coverage, according to Compare.com data.
It depends on several factors, including your address, driving history, age, and credit score. The average rate in Lansing is $201 per month, compared to the national average of $150.
Auto-Owners offers the cheapest average car insurance in Lansing, at $54 per month, according to our data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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