Cheapest Car Insurance In Lansing, MI 2024
Travelers offers Lansing drivers the cheapest option for minimum coverage auto insurance, priced at $29 a month on average.
We’ve saved shoppers an average of $600 per year on their car insurance.
The search for budget-friendly car insurance in Lansing, MI , reveals a lot of variation in what’s available.
When it comes to liability-only coverage, Travelers is the cheapest. GEICO is ideal for full coverage, while young drivers find the best rates with GEICO.
Cheapest And Best Car Insurance Companies In Lansing, MI 2024
Cheapest Liability-only Car Insurance In Lansing: Travelers
In Lansing, Travelers minimum coverage car insurance is the cheapest, costing about $29 a month.
The table below provides a clear comparison of rates across several insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $29 | $357 |
| Auto-Owners | $48 | $580 |
| Encompass | $48 | $573 |
| Chubb | $52 | $621 |
| State Farm | $120 | $1,438 |
Cheapest Full Coverage Insurance Rates In Lansing: Progressive
Progressive delivers the lowest full coverage car insurance rates in Lansing, averaging $89 monthly.
Here’s a table that compares average quotes for auto insurance from low-cost insurers in Lansing.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $89 | $1,056 |
| Auto-Owners | $102 | $1,229 |
| Farmers | $109 | $1,311 |
| Chubb | $121 | $1,447 |
| State Farm | $194 | $2,330 |
Cheapest Car Insurance Rates For Seniors: GEICO
GEICO is the most budget-friendly option for senior drivers in Lansing, with an average rate of $88 monthly.
This table compares average rates from budget-conscious car insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $88 | $820 |
| Auto-Owners | $106 | $1,276 |
| Progressive | $98 | $1,170 |
| State Farm | $174 | $2,089 |
| Chubb | $101 | $1,209 |
Cheapest Rates In Lansing For Teenagers: Progressive
Lansing teens looking for affordable car insurance will find the lowest rates with Progressive, averaging $204 per month.
Below is a table featuring the most cost-effective insurance options for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $204 | $2,437 |
| Travelers | $428 | $5,130 |
| Auto-owners | $264 | $3,172 |
| State Farm | $891 | $10,690 |
| Farmers | $314 | $3,763 |
Cheapest Auto Insurance For Young Adults in Lansing: GEICO
Young adults in Lansing can secure the lowest insurance quotes from GEICO, with average monthly premiums of $89.
Young adults in Lansing can refer to the table below to compare affordable auto insurance options.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $89 | $1,070 |
| Auto-Owners | $111 | $1,330 |
| Travelers | $99 | $1,190 |
| Chubb | $135 | $1,619 |
| State Farm | $222 | $2,665 |
Cheapest Car Insurance In Lansing For Good Drivers: Travelers
For low-cost car insurance, good drivers in Lansing can turn to Travelers, which charges an average of $29 per month.
Good drivers can check the table below for average quotes from the cheapest auto insurance companies.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| Travelers | $29 | $357 |
| Auto-Owners | $48 | $580 |
| Encompass | $48 | $573 |
| Chubb | $52 | $621 |
| State Farm | $120 | $1,438 |
Find affordable Lansing rates
Cheapest Car Insurance In Lansing After A Speeding Ticket: Chubb
With an average rate of $120 per month, Chubb offers affordable insurance for drivers in Lansing who have a speeding ticket.
The table below lists the average car insurance rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $120 | $1,440 |
| Auto-owners | $133 | $1,596 |
| Progressive | $127 | $1,521 |
| State Farm | $288 | $3,452 |
| Travelers | $163 | $1,960 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Drivers with an at-fault accident on their record can rely on Auto-Owners for affordable insurance, averaging $119 a month.
Listed here are the auto insurers offering the lowest premiums for drivers who have an at-fault accident on record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $119 | $1,430 |
| Farmers | $150 | $1,798 |
| Chubb | $121 | $1,457 |
| State Farm | $230 | $2,760 |
| Travelers | $224 | $2,690 |
Cheapest Rates In Lansing For Drivers After A DUI: Chubb
Chubb provides the most affordable car insurance for Lansing drivers with a DUI, at $121 per month on average.
For drivers in Lansing with a DUI, the table below shows the most cost-effective insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $121 | $1,446 |
| Travelers | $424 | $5,090 |
| Auto-Owners | $239 | $2,864 |
| State Farm | $500 | $5,996 |
| Farmers | $147 | $1,760 |
Best Car Insurance Companies In Lansing
Lansing drivers can find low-cost insurance with Travelers for $29 per month, followed by Auto-Owners at $48 and Encompass at $49.
Shown below are the top 10 auto insurance providers in Lansing, MI, ranked by their average monthly costs.
| Company | Monthly Premium |
| Travelers | $29 |
| Auto-Owners | $48 |
| Encompass | $49 |
| Chubb | $52 |
| State Farm | $120 |
| GEICO | $56 |
| Progressive | $52 |
| Farm Bureau | $58 |
| Farmers | $60 |
| Hanover | $126 |
Average Auto Insurance Rates In Lansing – By Age
Age greatly impacts car insurance rates, and teens, who are more prone to accidents, often pay steep premiums of around $4,160 per year.
At 25, drivers with a clean driving history typically benefit from lower insurance premiums.
Insurance premiums are most competitive for drivers in their 50s and early 60s, as age is used to measure driving experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $4,160 |
| 20s | $1,822 |
| 30s | $1,455 |
| 40s | $1,446 |
| 50s | $1,360 |
| 60s | $1,389 |
| 70s | $1,605 |
Average Cost Of Auto Insurance In Lansing – By Zip Code
Car insurance premiums can vary by zip code because insurers consider crime rates when setting rates.
Use the table below to explore the average insurance costs in Lansing based on zip codes.
| Zip Code | Average Monthly Rate |
| 48911 | $94 |
| 48854 | $66 |
| 48937 | $105 |
| 48808 | $109 |
| 48933 | $103 |
How Much Is Car Insurance In Other Cities in Michigan?
Your car insurance rates are influenced by your city’s accident, theft, and vandalism rates. These risks tend to be higher in urban areas, leading to increased premiums.
As an example, residents of Dearborn pay about $175 monthly for car insurance, while in Kalamazoo, the average cost is $99 a month.
| City | Average Monthly Rate |
| Grand Rapids | $101 |
| Ann Arbor | $109 |
| Lansing | $100 |
| Flint | $116 |
| South Field | $145 |
| Dearborn | $175 |
| Saginaw | $107 |
| Kalamazoo | $99 |
| Troy | $127 |
| Muskegon | $102 |
Average Rates In Lansing – By Vehicle
Car insurance rates are tied to the type of vehicle you drive, with insurers considering factors like make, model, year, and body type. Luxury and newer cars often carry higher premiums due to their advanced features.
You can consult the table below for average vehicle insurance rates in Lansing.
| Vehicle | Average Monthly Rate |
| Toyota Camry | $130 |
| Chevrolet Equinox | $182 |
| Nissan Rogue | $190 |
| Honda Civic | $140 |
| Ford F-150 | $171 |
Find affordable Lansing rates
Our Methodology
I’ve compiled an extensive review of car insurance providers in Lansing, MI, based on a detailed analysis of customer service, product offerings, pricing, and user reviews from various online platforms.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Lansing?
The lowest car insurance premiums in Lansing can be found with Travelers for the minimum coverage required by California, and with GEICO for full coverage that includes both comprehensive and collision.
What is the average cost of car insurance in Lansing?
The average monthly premium for car insurance in Lansing is about $110, though your rates could differ depending on your zip code, the year and model of your car, and your driving record.
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