Best Cheap Auto Insurance in East Lansing, MI (2021)

The average East Lansing, MI auto insurance rates are $739 per month. The minimum auto insurance in East Lansing is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in East Lansing, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in East Lansing for teen drivers is Allstate
  • The cheapest auto insurance company in East Lansing is USAA
  • The minimum auto insurance required in East Lansing, Michigan is 20/40/10

East Lansing, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in East Lansing can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in East Lansing, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in East Lansing to other Michigan cities, including Lansing auto insurance rates, Dearborn auto insurance rates, and Sterling Heights auto insurance rates to see how East Lansing, Michigan auto insurance rates stack up.

Before you buy East Lansing, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free East Lansing, Michigan auto insurance quotes.

Minimum Auto Insurance in East Lansing, Michigan

East Lansing, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in East Lansing, Michigan.

Minimum Required Auto Insurance Coverage in East Lansing, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap East Lansing, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in East Lansing, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in East Lansing, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $15,987 $15,987 $14,848 $14,848 $39,780 $39,780 $16,845 $16,845
Farmers $3,643 $3,643 $3,395 $3,395 $8,258 $8,258 $4,095 $4,095
GEICO $3,417 $3,417 $3,506 $3,506 $9,884 $9,884 $3,273 $3,273
Liberty Mutual $12,336 $12,336 $12,215 $12,215 $28,951 $28,951 $12,336 $12,336
Nationwide $3,905 $3,905 $3,471 $3,471 $10,477 $10,477 $4,290 $4,290
Progressive $2,658 $2,474 $2,361 $2,618 $9,842 $10,529 $3,085 $2,867
State Farm $6,473 $6,473 $6,000 $6,000 $22,831 $22,831 $7,613 $7,613
Travelers $5,125 $5,125 $4,407 $4,407 $15,382 $15,382 $5,563 $5,563
USAA $2,357 $2,235 $2,220 $2,097 $5,790 $5,511 $2,871 $2,755

Cheap East Lansing, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in East Lansing, Michigan is a challenge. Take a look at the annual teen auto insurance rates in East Lansing, Michigan.

Annual Auto Insurance Rates for Teen Drivers in East Lansing, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $39,780 $39,780
Farmers $8,258 $8,258
GEICO $9,884 $9,884
Liberty Mutual $28,951 $28,951
Nationwide $10,477 $10,477
Progressive $9,842 $10,529
State Farm $22,831 $22,831
Travelers $15,382 $15,382
USAA $5,790 $5,511

Cheap East Lansing, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in East Lansing, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in East Lansing, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,848 $14,848
Farmers $3,395 $3,395
GEICO $3,506 $3,506
Liberty Mutual $12,215 $12,215
Nationwide $3,471 $3,471
Progressive $2,361 $2,618
State Farm $6,000 $6,000
Travelers $4,407 $4,407
USAA $2,220 $2,097

Cheap East Lansing, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in East Lansing, Michigan compared to the annual auto insurance rates with a clean record in East Lansing, Michigan.

Annual East Lansing, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,626 $14,215 $47,731 $14,887
Farmers $4,077 $5,192 $5,120 $5,002
GEICO $1,749 $3,742 $11,333 $3,255
Liberty Mutual $11,447 $13,871 $25,819 $14,701
Nationwide $4,752 $6,309 $5,743 $5,338
Progressive $3,877 $5,066 $4,555 $4,718
State Farm $6,776 $8,151 $17,775 $10,214
Travelers $5,149 $7,360 $11,881 $6,087
USAA $2,602 $3,243 $4,239 $2,834

Cheap East Lansing, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in East Lansing, Michigan is not easy. Compare the annual rates for DUI auto insurance in East Lansing, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in East Lansing, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $47,731
Farmers $5,120
GEICO $11,333
Liberty Mutual $25,819
Nationwide $5,743
Progressive $4,555
State Farm $17,775
Travelers $11,881
USAA $4,239

Cheap East Lansing, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how East Lansing, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in East Lansing, Michigan

Insurance Company Poor Fair Good
Allstate $33,146 $18,370 $14,079
Farmers $6,342 $4,259 $3,942
GEICO $6,447 $4,746 $3,866
Liberty Mutual $26,017 $15,039 $8,322
Nationwide $6,898 $5,239 $4,470
Progressive $5,231 $4,427 $4,004
State Farm $17,392 $8,808 $5,987
Travelers $7,808 $7,573 $7,477
USAA $4,811 $2,762 $2,115

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Cheap East Lansing, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in East Lansing, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in East Lansing, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in East Lansing, Michigan

ZIP Code Average Annual Rates
48823 $6,077
48824 $6,311
48825 $6,456

Cheap East Lansing, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect East Lansing, Michigan auto insurance. Find the cheapest annual East Lansing, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in East Lansing, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $21,865 $21,865
Farmers $4,848 $4,848
GEICO $4,908 $5,131
Liberty Mutual $15,895 $17,024
Nationwide $5,536 $5,536
Progressive $4,554 $4,554
State Farm $10,451 $11,008
Travelers $7,576 $7,663
USAA $3,193 $3,266

Cheap East Lansing, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in East Lansing, Michigan? Check out the comparison of annual East Lansing, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in East Lansing, Michigan

Insurance Company Low Medium High
Allstate $21,216 $21,923 $22,457
Farmers $4,724 $4,837 $4,983
GEICO $4,699 $4,977 $5,384
Liberty Mutual $16,093 $16,425 $16,860
Nationwide $5,758 $5,450 $5,399
Progressive $4,405 $4,560 $4,697
State Farm $10,240 $10,789 $11,158
Travelers $7,536 $7,630 $7,692
USAA $3,129 $3,238 $3,322

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Best By Category: Cheapest Auto Insurance in East Lansing, Michigan

Compare the cheapest auto insurance companies in East Lansing, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in East Lansing, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest East Lansing, Michigan Auto Insurance Companies

What auto insurance companies in East Lansing, Michigan are the cheapest? Compare the top East Lansing, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in East Lansing, Michigan

Insurance Company Average Annual Rates
Allstate $21,865
Farmers $4,848
GEICO $5,020
Liberty Mutual $16,459
Nationwide $5,536
Progressive $4,554
State Farm $10,729
Travelers $7,619
USAA $3,230

What affects auto insurance rates in East Lansing, Michigan?

There are a lot of reasons why auto insurance rates in East Lansing, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in East Lansing, Michigan. Many local factors may affect your East Lansing auto insurance rates.

East Lansing Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual East Lansing, Michigan auto theft statistics, there have been 180 auto thefts in the city.

East Lansing Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average East Lansing, Michigan commute length is 16.3 minutes according to City-Data.

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Compare East Lansing, Michigan Auto Insurance Quotes

Before you buy East Lansing, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free East Lansing, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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