Cheapest and Best Car Insurance in Lansing, MI (2024)

In Lansing, Travelers offers the cheapest full coverage, while Auto-Owners is the most affordable for families with teens. Travelers is cheapest for minimum coverage.

For stellar customer service, Chubb tops the list and also secures the title for the best overall, providing an excellent balance of price and service. The right choice, however, may vary based on your personal preferences and coverage needs.

Travelers offers the cheapest minimum coverage car insurance in Lansing.

• Travelers: $349 per year
• Westfield: $352 per year

State Farm offers the most expensive minimum coverage policy in Lansing, with an annual premium of $1,432. This difference highlights the essential nature of comparing car insurance rates to ensure you're getting the best value for your money.

State Minimum Liability Requirements

In Michigan cities like Lansing, car insurance coverage minimums are prescribed by state law. Below are the essential figures, offering a peek into what drivers must secure:

• $50,000 bodily injury per person
  
• $100,000 bodily injury per accident
  
• $10,000 property damage liability per accident
  
• Unlimited personal injury protection (PIP) per person
  

Imagine you're holding a minimum coverage policy with $50,000 for bodily injury per person. If you're at fault in an accident and the other driver's injuries amount to $55,000, your insurance would cover the first $50,000. Anything above this limit – in this case, $5,000 – would be your financial responsibility.

Travelers offers the cheapest full coverage car insurance in Lansing.

• Travelers: $1,031 per year
• GEICO: $1,045 per year

The most expensive full coverage policy in Lansing is offered by Hanover, with an annual premium of $4,660. The price difference underscores the value of comparing car insurance quotes. Full coverage policies are pricier than minimum coverage because they provide comprehensive protection against a broader range of risks, including damage to your vehicle.

Do You Need Full Coverage in Michigan?

A full coverage policy includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

In Lansing, the cheapest company for drivers with a poor driving record varies with the type of violation incurred. For those seeking full coverage policies, Pioneer State Mutual Ins Co offers competitive rates, with annual premiums reflecting the differences incurred from various driving offenses:

• Speeding Ticket: Chubb ($1,437 per year)
• At-fault accident: Pioneer State Mutual ($1,388 per year)
• DUI: Progressive ($1,364 per year)

On the opposite end, Hanover presents the most expensive rates for all three incidents. The difference between the cheapest annual premium after a speeding ticket and the cheapest after a DUI highlights how the type of offense can impact insurance rates.

In Lansing, as in other cities, insurance rates tend to escalate with the severity of a driving infraction due to the increased risk assumed by insurers. For example, drivers with a DUI on their record can expect to pay an average of $7,419 annually, in stark contrast to the $4,585 annual rate for those with a speeding ticket. This substantial difference underlines the crucial need for drivers with infractions to diligently compare insurance rates to ensure they're securing the most financial savings possible.

GEICO offers the cheapest car insurance for teens in Lansing, offering substantial savings for families.

• GEICO: $2,300 per year for female teens and $2,300 per year for male teens
• Progressive: $2,428 per year for female teens and $2,428 per year for male teens

These rates are for policies that cover a combination of two parents and a teen driver. By contrast, State Farm has the most expensive policy for teen drivers in Lansing, with annual premiums of $10,683 for both female and male teens. This stark difference emphasizes the importance of comparing insurance options for families with teen drivers, who are often considered higher risk.

In Lansing, as in many cities, teen drivers face considerable financial hurdles when purchasing auto insurance. On average, teens buying individual policies pay $5,431 annually, significantly more than the $4,362 they would contribute as part of a joint family plan.

Insurers charge higher rates for individual teen policies due to the elevated risk young drivers pose compared to more experienced drivers. Furthermore, teens often struggle to secure their own policy independently because providers are wary of the higher likelihood of claims associated with teen motorists. For teenagers and their families, joining a family policy is not only more cost-efficient but also a more attainable insurance option.

USAA offers the most affordable full coverage car insurance for military backgrounds in Lansing.

• USAA: $919 per year
• Travelers: $1,031 per year

USAA is the cheapest option in Lansing. It specializes in serving the needs of active duty military members, ensuring their unique situations are well handled.

In Lansing, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Finding the right auto insurance boils down to how you prioritize factors like service quality, cost, coverage and other variables. We applied specific scoring systems to each category, revealikng Lansing's standout car insurance providers for various needs:

• Best overall: Chubb (MoneyGeek score 94 out of 100)
• Best for service: **Chubb **(MoneyGeek score 93 out of 100)
• Best cheap: Chubb (MoneyGeek score 91 out of 100)

Chubb emerges as the best in Lansing for overall value, delivering on superior service while maintaining affordability. Whether you're seeking a balance of service and cost, the top service without factoring in affordability, or a very affordable option that doesn't compromise on service, Chubb manages to fulfill each criterion effectively.

Chubb is the top option for the best car insurance in Lansing, offering a comprehensive approach to coverage.

• Chubb: MoneyGeek score of 94 out of 100 ($1,437 per year)
• Westfield: MoneyGeek score of 87 out of 100 ($1,429 per year)

Chubb distinguishes itself with the highest satisfaction and claims scores. These factors highlight Chubb's exceptional service and customer experience, assuring policyholders of reliable support when it's needed most.

Chubb is the best option in Lansing for car insurance focused on customer service. This top position is highlighted by its general satisfaction, claims handling, and coverages, all without putting a primary focus on rates.

• Chubb: MoneyGeek score of 93 out of 100 ($1,437 per year)
• Westfield: MoneyGeek score of 86 out of 100 ($1,429 per year)

Chubb stands out in the Lansing insurance market due primarily to its excellent customer satisfaction and claims scores. The insurer's dedication to providing exceptional service significantly contributes to its near-perfect MoneyGeek score, ensuring peace of mind for policyholders.

Chubb is the best provider of affordable car insurance in Lansing. While the score leans heavily toward affordability, important factors like claims handling and customer satisfaction also play a key role in their evaluation to ensure a well-rounded assessment of the insurers.

• Chubb: MoneyGeek score of 91 out of 100 ($611 per year)
• Westfield: MoneyGeek score of 90 out of 100 ($352 per year)

Chubb distinguishes itself with the highest overall MoneyGeek score, thanks to its excellent claims handling, strong customer satisfaction rates and financial stability. This score is based on a minimum coverage policy.

In Lansing, Michigan, the average car insurance cost is $1,613. This figure sits below the average car insurance cost in Michigan, which is $2,316. Moreover, Michigan's average car insurance cost surpasses the national average of $1,781 by $535, showing a significant disparity when zooming out to the broader national landscape.

Car insurance premiums are contingent on a multitude of factors, among which geographical location stands as a prime determinant. Locations with high traffic density and urban characteristics, like Detroit with the state's highest premium at $4,234, often face higher insurance costs due to increased risk of accidents and theft.

Conversely, Ann Arbor enjoys the title of Michigan's most affordable city for car insurance at $1,376, substantiating the impact of location on insurance rates. In rural or non-city areas, where traffic volume is typically lower, insurance rates may dip even further.