Best Cheap Auto Insurance in Lansing, MI (2021)

The average Lansing, MI auto insurance rates are $780 per month. The minimum auto insurance in Lansing is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in 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 cheapest auto insurance company in Lansing is USAA
  • The most expensive auto insurance company in Lansing for teen drivers is Allstate
  • The average commute length in Lansing is 16.3 minutes

Lansing, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in 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 Lansing, Michigan, including driving record, credit, commute time, and more.

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

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

Minimum Auto Insurance in Lansing, Michigan

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 Lansing, Michigan.

Minimum Required Auto Insurance Coverage in 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 Lansing, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in 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 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 $15,130 $15,130 $14,021 $14,021 $38,137 $38,137 $15,953 $15,953
Farmers $3,789 $3,789 $3,532 $3,532 $8,552 $8,552 $4,258 $4,258
GEICO $4,317 $4,317 $4,401 $4,401 $12,321 $12,321 $4,134 $4,134
Liberty Mutual $13,682 $13,682 $13,549 $13,549 $31,890 $31,890 $13,682 $13,682
Nationwide $3,566 $3,566 $3,190 $3,190 $9,010 $9,010 $3,888 $3,888
Progressive $2,584 $2,414 $2,298 $2,536 $9,720 $10,456 $3,004 $2,817
State Farm $7,974 $7,974 $7,425 $7,425 $28,496 $28,496 $9,384 $9,384
Travelers $5,125 $5,125 $4,407 $4,407 $15,382 $15,382 $5,563 $5,563
USAA $2,577 $2,437 $2,426 $2,287 $6,338 $6,014 $3,139 $3,004

Cheap Lansing, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lansing, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $38,137 $38,137
Farmers $8,552 $8,552
GEICO $12,321 $12,321
Liberty Mutual $31,890 $31,890
Nationwide $9,010 $9,010
Progressive $9,720 $10,456
State Farm $28,496 $28,496
Travelers $15,382 $15,382
USAA $6,338 $6,014

Cheap Lansing, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lansing, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,021 $14,021
Farmers $3,532 $3,532
GEICO $4,401 $4,401
Liberty Mutual $13,549 $13,549
Nationwide $3,190 $3,190
Progressive $2,298 $2,536
State Farm $7,425 $7,425
Travelers $4,407 $4,407
USAA $2,426 $2,287

Cheap 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 Lansing, Michigan compared to the annual auto insurance rates with a clean record in Lansing, Michigan.

Annual Lansing, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,142 $13,536 $45,370 $14,193
Farmers $4,233 $5,389 $5,316 $5,193
GEICO $2,194 $4,677 $14,218 $4,085
Liberty Mutual $12,503 $15,275 $28,862 $16,162
Nationwide $4,215 $5,600 $5,102 $4,737
Progressive $3,824 $4,981 $4,471 $4,639
State Farm $8,355 $10,082 $22,170 $12,672
Travelers $5,149 $7,360 $11,881 $6,087
USAA $2,838 $3,544 $4,637 $3,092

Cheap Lansing, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lansing, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $45,370
Farmers $5,316
GEICO $14,218
Liberty Mutual $28,862
Nationwide $5,102
Progressive $4,471
State Farm $22,170
Travelers $11,881
USAA $4,637

Cheap Lansing, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lansing, Michigan

Insurance Company Poor Fair Good
Allstate $31,476 $17,475 $13,479
Farmers $6,597 $4,416 $4,085
GEICO $8,097 $5,948 $4,836
Liberty Mutual $28,785 $16,629 $9,188
Nationwide $6,148 $4,638 $3,955
Progressive $5,129 $4,356 $3,951
State Farm $21,629 $10,924 $7,406
Travelers $7,808 $7,573 $7,477
USAA $5,273 $3,014 $2,297

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Cheap Lansing, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lansing, Michigan

ZIP Code Average Annual Rates
48906 $6,333
48910 $6,326
48911 $6,440
48912 $6,535
48915 $6,737
48924 $6,947
48933 $6,590

Cheap Lansing, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lansing, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,810 $20,810
Farmers $5,033 $5,033
GEICO $6,150 $6,437
Liberty Mutual $17,582 $18,820
Nationwide $4,914 $4,914
Progressive $4,479 $4,479
State Farm $12,960 $13,680
Travelers $7,576 $7,663
USAA $3,488 $3,568

Cheap Lansing, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lansing, Michigan

Insurance Company Low Medium High
Allstate $20,187 $20,866 $21,378
Farmers $4,905 $5,021 $5,172
GEICO $5,948 $6,247 $6,686
Liberty Mutual $17,836 $18,165 $18,601
Nationwide $5,135 $4,833 $4,773
Progressive $4,352 $4,484 $4,600
State Farm $12,641 $13,404 $13,914
Travelers $7,536 $7,630 $7,692
USAA $3,420 $3,537 $3,627

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Best By Category: Cheapest Auto Insurance in Lansing, Michigan

Compare the cheapest auto insurance companies in 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 Lansing, Michigan

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

The Cheapest Lansing, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lansing, Michigan

Insurance Company Average Annual Rates
Allstate $20,810
Farmers $5,033
GEICO $6,294
Liberty Mutual $18,201
Nationwide $4,914
Progressive $4,479
State Farm $13,320
Travelers $7,619
USAA $3,528

What affects auto insurance rates in Lansing, Michigan?

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

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 Lansing, Michigan auto theft statistics, there have been 437 auto thefts in the city.

Lansing Commute Time

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

Lansing Traffic

How does Lansing, Michigan rank for traffic? According to Inrix Lansing, Michigan is the 978th most congested worldwide.

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Compare Lansing, Michigan Auto Insurance Quotes

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