Lansing's average full coverage car insurance costs about $136 per month. Depending on the policy, vehicle and personal details, monthly rates can range from $126 to $352. The table below shows average premiums for various driver profiles to help drivers gauge potential expenses.
Lansing, MI, Car Insurance
Updated: January 14, 2025
Advertising & Editorial Disclosure
Cheapest Car Insurance in Lansing: Key Takeaways
Travelers, GEICO, Progressive and Chubb are the most affordable car insurance companies in Lansing.
Travelers offers the lowest car insurance rates, with average monthly costs of $29 for minimum coverage and $86 for full coverage.
On average, car insurance costs $61 per month for minimum coverage and $136 for full coverage.
Car Insurance Quotes in Lansing, MI
| Young Drivers | $67 | $158 |
| Teens | No Data | $345 |
| Seniors | $61 | $126 |
| Drivers With an Accident | $91 | $205 |
| Drivers With a Speeding Ticket | $87 | $190 |
| Drivers With a DUI | $166 | $352 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Lansing vs. State Average
Michigan
State Average Full Coverage Rate
$2,205
Lansing, MI
City Average Full Coverage Rate
$1,634Lansing Car Insurance is Cheap:$571 saved
This is 26% less expensive.
What Is the Average Car Insurance Rate in Lansing?
In Lansing, full coverage car insurance costs about $1,634 annually, while minimum coverage averages $729. These rates are lower than Michigan's averages of $2,205 and $1,066, respectively.
| State Average | $1,066 | $2,205 |
| Lansing Average | $729 | $1,634 |
Cheapest Car Insurance Companies in Lansing
Even though premiums are rising in Michigan, you can still find cheap car insurance in Lansing. Travelers offers the lowest monthly rate for minimum coverage, just $29, and full coverage, $86.
WHY CAR INSURANCE IN LANSING IS CHEAPER
Car insurance in Lansing is often affordable due to its smaller population, which results in less traffic and fewer accidents. The city's moderate crime rates, including vehicle theft, lower insurer risk. Michigan's recent reforms to no-fault insurance laws have also helped reduce premiums for many drivers. The cost of living and repair expenses may also contribute to lower rates.
Cheap Car Insurance in Lansing
Travelers offers Lansing's cheapest car insurance, but rates vary widely. The best way to find affordable insurance is by comparing quotes from multiple providers. Below is a table showing the lowest premiums for various driver profiles.
| Travelers | Minimum Coverage | $29 |
| Travelers | Full Coverage | $86 |
| GEICO | Teens | $179 |
| Travelers | Young Adults | $67 |
| Travelers | Seniors | $57 |
| Progressive | Drivers With a DUI | $75 |
| Chubb | Drivers With an Accident | $83 |
| Progressive | Drivers With a Speeding Ticket | $83 |
Car Insurance Rates in Lansing by Company
Car insurance prices vary, so compare options for the best rates. Below, we detail Lansing's most affordable minimum and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Lansing
Travelers offers the cheapest minimum coverage auto insurance at $29 per month, followed by Westfield at $33. The table below breaks down the most affordable options.
| Travelers | $29 | $32 |
| Westfield | $33 | $28 |
| Progressive | $43 | $18 |
| Encompass | $47 | $13 |
| Grange Insurance | $48 | $13 |
| Chubb | $49 | $12 |
| Auto-Owners | $49 | $12 |
| GEICO | $53 | $8 |
| Farmers | $56 | $5 |
| Farm Bureau Ins of MI | $61 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Lansing
Travelers offers the cheapest full coverage car insurance in Lansing at $86 per month. Below is a full list of providers and their rates.
| Travelers | $86 | $50 |
| GEICO | $87 | $49 |
| Progressive | $96 | $41 |
| Grange Insurance | $100 | $36 |
| Auto-Owners | $105 | $31 |
| Farmers | $111 | $26 |
| Encompass | $113 | $23 |
| Chubb | $117 | $19 |
| Pioneer State Mutual Ins Co | $122 | $14 |
| Farm Bureau Ins of MI | $127 | $9 |
| Westfield | $129 | $7 |
Car Insurance Companies in Lansing
Travelers offers the cheapest car insurance at $690 annually. Chubb is the best affordable provider, with a MoneyGeek score of 94 out of 100. Check the table below for more options.
| Chubb | 94 | $996 |
| Westfield | 88 | $973 |
| Auto-Owners | 81 | $923 |
| Pioneer State Mutual Ins Co | 81 | $1,160 |
| Farm Bureau Ins of MI | 73 | $1,127 |
| Grange Insurance | 70 | $888 |
| Travelers | 68 | $690 |
| Progressive | 65 | $829 |
| State Farm | 65 | $1,845 |
| GEICO | 64 | $838 |
| Farmers | 64 | $999 |
| Hanover | 60 | $3,134 |
| Encompass | No Data | $963 |
*Rates are for a 40-year-old driver with no driving violations.
Car Insurance Cost in Lansing by Age
Middle-aged drivers and younger seniors pay the lowest car insurance rates in Lansing, averaging $1,634 per year for 40-year-olds and $1,514 annually for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $4,362 | $-472 |
| 17 | $4,287 | $-397 |
| 18 | $3,822 | $69 |
| 19 | $3,421 | $470 |
| 20 | $3,603 | $287 |
| 21 | $2,714 | $1,176 |
| 22 | $2,608 | $1,282 |
| 23 | $2,739 | $1,151 |
| 24 | $2,582 | $1,308 |
| 25 | $1,890 | $376 |
| 40 | $1,634 | $633 |
| 65 | $1,514 | $752 |
Cheapest Car Insurance for Teens in Lansing
GEICO offers the cheapest overall car insurance for teens in Lansing with an average monthly rate of $176, saving $155 compared to the state average. The table below lists other affordable providers for this age group.
| GEICO | $176 | $155 | $179 |
| Progressive | $182 | $149 | $368 |
| Encompass | $245 | $86 | $277 |
| Auto-Owners | $250 | $81 | $185 |
| Farmers | $266 | $65 | $522 |
| Travelers | $397 | $-66 | $381 |
| State Farm | $800 | $-469 | $505 |
*Rates are for 16 to 19-year-old drivers with no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Lansing
Travelers offers the cheapest minimum coverage for young drivers in Lansing at $35 per month, while GEICO is the most affordable for full coverage at $88. The table below highlights the cheapest options for various driver profiles.
| Travelers | Minimum Coverage | $35 |
| GEICO | Full Coverage | $88 |
| Progressive | Drivers With a DUI | $85 |
| Auto-Owners | Drivers With an Accident | $91 |
| Encompass | Drivers With a Speeding Ticket | $91 |
Cheapest Car Insurance Companies for Young Drivers in Lansing
Travelers offers the most affordable auto insurance for young drivers at $67 monthly. The table below shows other companies with competitive rates in Lansing.
| Travelers | $67 | $46 |
| GEICO | $70 | $42 |
| Progressive | $78 | $34 |
| Grange Insurance | $78 | $34 |
| Encompass | $80 | $32 |
| Auto-Owners | $81 | $31 |
| Farmers | $93 | $20 |
| Chubb | $93 | $19 |
| Westfield | $103 | $9 |
| Pioneer State Mutual Ins Co | $110 | $3 |
*Rates are for 25-year-old drivers with and no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Lansing
Travelers and Chubb offer some of the cheapest car insurance rates for seniors in Lansing, though prices vary depending on various factors. The table below highlights the most affordable options for different driver and coverage profiles.
| Travelers | Minimum Coverage | $31 |
| Travelers | Full Coverage | $82 |
| Chubb | Drivers With a DUI | $70 |
| Chubb | Drivers With an Accident | $70 |
| Chubb | Drivers With a Speeding Ticket | $70 |
Cheapest Car Insurance for Seniors in Lansing
Travelers offers the cheapest monthly premium for seniors at $57 for minimum and full coverage policies. Progressive follows at $66. The table below shows the top car insurance providers for seniors in Lansing.
| Travelers | $57 | $37 |
| Progressive | $66 | $27 |
| Encompass | $68 | $25 |
| Chubb | $70 | $24 |
| GEICO | $70 | $24 |
| Farmers | $76 | $17 |
| Westfield | $81 | $12 |
| Auto-Owners | $84 | $9 |
| Grange Insurance | $85 | $8 |
| Farm Bureau Ins of MI | $88 | $5 |
| Pioneer State Mutual Ins Co | $93 | $0 |
*Rates are for 65-year-old drivers with no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Lansing
In Lansing, high-risk drivers pay less for minimum coverage and full coverage than the state averages. DUIs lead to higher costs, while accidents and speeding tickets have a smaller impact.
| State Average | $1,998 | $3,982 |
| Lansing Average | $1,376 | $2,993 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers in Lansing typically consider minor driving incidents, like a not-at-fault accident or speeding ticket, for three to five years. For serious offenses, such as a DUI, insurers may take them into account for up to 10 years. These offenses often mean you must file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Lansing
Progressive offers the cheapest minimum coverage for drivers with a DUI at $548 per year. For full coverage, Chubb leads at $1,409. The table below explores more low-cost coverage options.
| Progressive | $46 | $105 |
| Chubb | $49 | $117 |
| Farmers | $73 | $148 |
| Grange Insurance | $81 | $157 |
| Westfield | $104 | $375 |
*Rates are for a 40-year-old driver with a DUI.
Cheapest Auto Insurance Rates With an Accident in Lansing
Chubb, Westfield and Progressive offer Lansing's cheapest auto insurance after an at-fault accident. The table below shows various providers offering affordable coverage.
| Chubb | $49 | $117 |
| Westfield | $51 | $211 |
| Progressive | $52 | $125 |
| Auto-Owners | $54 | $121 |
| Encompass | $70 | $166 |
*Rates are for a 40-year-old driver with an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Lansing
Westfield is the cheapest car insurance provider for drivers with a speeding ticket in Lansing, offering minimum coverage at $42 monthly. Progressive and Chubb are the most affordable for full coverage at $117. The table below shows how much other providers charge drivers with speeding tickets.
| Westfield | $42 | $155 |
| Progressive | $48 | $117 |
| Chubb | $49 | $117 |
| Encompass | $53 | $128 |
| Travelers | $54 | $162 |
*Rates are for a 40-year-old driver with a speeding ticket.
Minimum Car Insurance Requirements in Lansing, MI
In Michigan, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- Unlimited personal injury protection (PIP) per person
For example, if you're in an accident, your minimum coverage helps cover injury costs up to $50,000 per person involved. Consider if this is enough for your needs.
Cheap Car Insurance in Lansing: Bottom Line
Travelers offers Lansing's cheapest car insurance at $29 monthly for minimum coverage and $86 for full coverage. Affordable options are available for all ages and driving histories. Ensure your policy includes Michigan’s mandatory coverage: property damage, personal injury protection and residual liability. Compare providers to find budget-friendly, compliant coverage.
Lansing Auto Insurance: FAQ
We answer common questions about finding affordable and quality car insurance in Lansing.
What is the cheapest car insurance company in Lansing, MI?
Travelers offers the most affordable car insurance in Lansing, Michigan, with rates as low as $29 per month, saving around $32 monthly.
What is the best car insurance company in Lansing, MI?
Chubb is the best car insurance provider in Lansing, Michigan, with a MoneyGeek score of 94 out of 100. Minimum coverage costs around $996 annually.
How much does car insurance cost on average in Lansing, MI?
The average monthly cost of minimum coverage auto insurance in Lansing ranges from $61 to $166.
Best Cheap Car Insurance in Lansing: Our Methodology
MoneyGeek analyzed Lansing auto insurance prices using data from the Michigan Department of Insurance and Financial Services and Quadrant Information Services.
Lansing Driver Profile
To assess the best and most affordable auto insurance options for Lansing residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Lansing
In assessing the car insurance quotes for Lansing, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Michigan's minimum coverage requirements:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- Unlimited personal injury protection (PIP) per person
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Michigan providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Lansing
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Lansing for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.