The average cost of full coverage car insurance in Lansing, Michigan is $2,264, which is $161 cheaper than the statewide average of $2,425. Lansing drivers can save even more by comparing quotes from multiple companies before picking a policy.
We found that the cheapest car insurance companies in Lansing are MetLife (now a part of Farmers), GEICO, USAA, Progressive, and Meemic — but it's important to shop around. Policygenius makes it easy to see options from top car insurance companies so you can pick the coverage that’s best for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Lansing, MI
Michigan has some of the highest car insurance rates in the nation, but average rates in Lansing are slightly lower than in some neighboring cities. It’s still important for Lansing drivers to shop around and compare costs before picking a policy.
Company | Average cost | JD Power Rating |
|---|---|---|
MetLife | $968 | 886 |
GEICO | $1,049 | 871 |
USAA | $1,212 | 890 |
Progressive | $1,433 | 856 |
Meemic | $1,609 | -- |
MetLife is now a part of Farmers Insurance company.
Cheapest car insurance rates by ZIP code in Lansing, MI
Typically, car insurance companies consider a driver’s ZIP code when setting rates, but new guidelines in the state of Michigan prohibit car insurance companies from taking ZIP code into consideration, so going forward, where in Lansing you live shouldn’t affect your rates one way or the other.
ZIP code | Average cost |
|---|---|
48906 | $2,237 |
48910 | $2,163 |
48911 | $2,166 |
48912 | $2,136 |
48915 | $2,219 |
48924 | $2,387 |
48933 | $2,197 |
Choosing the right car insurance company in Lansing, MI
There’s no one right company for every driver, so the best way to make sure you’re finding the right policy for you is to shop around and compare rates.
Policygenius makes it easy to compare quotes from top car insurance companies, so you can be sure you’re making the best choice for your needs.
Car insurance rates for drivers with driving violations in Lansing, MI
Accidents and violations on your driving record mean higher car insurance rates, and more serious infractions, like a DUI or an at-fault accident, will mean even bigger rate increases.
Violation | MetLife | GEICO | USAA | Progressive | Meemic |
|---|---|---|---|---|---|
At-fault accident | $1,842 | $2,671 | $1,776 | $2,018 | $2,317 |
DUI | $2,164 | $6,879 | $2,271 | $1,731 | $4,018 |
Suspended license | $2,376 | $2,295 | $2,271 | $1,900 | $4,018 |
Open container | $968 | $5,081 | $2,271 | $1,858 | $1,929 |
Expired registration | $1,150 | $2,295 | $1,608 | $1,858 | $1,929 |
Driving without lights | $1,150 | $2,295 | $1,608 | $1,858 | $1,929 |
Not showing documents | $1,150 | $2,295 | $1,608 | $1,858 | $1,929 |
Running a red light | $1,150 | $2,295 | $1,608 | $1,466 | $1,929 |
Failure to yield | $1,150 | $2,295 | $1,608 | $1,858 | $1,929 |
Following too closely | $1,150 | $2,295 | $1,608 | $1,858 | $1,929 |
Hit and run | $2,164 | $3,584 | $2,271 | $1,859 | $4,018 |
Illegal turn | $1,150 | $2,295 | $1,608 | $1,858 | $1,929 |
Improper passing | $1,150 | $2,295 | $1,608 | $1,858 | $1,929 |
Not-at-fault accident | $1,100 | $1,049 | $1,252 | $1,725 | $1,616 |
Passing a school bus | $1,150 | $2,295 | $2,086 | $1,858 | $1,929 |
Racing | $2,164 | $3,584 | $2,271 | $1,900 | $4,018 |
Reckless driving | $2,164 | $2,671 | $2,086 | $1,900 | $4,018 |
Speeding | $1,230 | $2,295 | $1,774 | $1,815 | $2,594 |
Cheapest car insurance for drivers with a DUI in Lansing, MI
At $2,425 per year, Michigan drivers pay some of the highest car insurance rates in the country. Drivers in Lansing pay slightly less at $2,264 per year, but drivers in with a DUI or DWI will pay even higher car insurance rates than the state or city average. Drivers with a DUI pay an average of $6,469 per year in Michigan, which is 185% higher than the average rate in Lansing.
Car insurance rates in Michigan are high, but drivers with a DUI can save money on car insurance by comparing quotes from multiple companies. According to our research, the companies with the lowest rates for drivers with a DUI in Lansing are Progressive, Metlife, and USAA.
Company | Rates for drivers with DUIs |
|---|---|
Progressive | $1,731 |
MetLife | $2,164 |
USAA | $2,271 |
Meemic | $4,018 |
GEICO | $6,879 |
Cheapest car insurance for drivers with a speeding ticket in Lansing, MI
Lansing drivers with speeding tickets and other moving violations often see their insurance rates go up. The average cost of car insurance for someone with a speeding ticket in Michigan is $3,629 per year.
But drivers in Lansing can still save money on car insurance, even with a speeding ticket on their record, by comparing quotes from multiple companies. We found the companies offering the lowest rates for drivers in Michigan with a speeding ticket are Metlife, USAA, and Progressive.
Company | Rates for drivers with speeding tickets |
|---|---|
MetLife | $1,230 |
USAA | $1,774 |
Progressive | $1,815 |
GEICO | $2,295 |
Meemic | $2,594 |
Cheapest car insurance for drivers with bad credit in Lansing, MI
Typically, drivers with low credit scores have paid more for car insurance, but according to new state guidelines, insurance companies in Michigan will no longer be able to consider credit scores.
That means that going forward, Lansing drivers with poor credit scores won’t pay more for car insurance simply because of their bad credit.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,719 |
MetLife | $2,004 |
Progressive | $2,514 |
USAA | $2,604 |
Meemic | $2,826 |
Buying car insurance in Lansing, MI
Michigan requires all drivers to have a minimum amount of car insurance, so Lansing drivers must meet the minimum requirements in the state.
Bodily injury liability coverage per person: $20,000
Bodily injury liability coverage per accident: $40,000
Property damage liability coverage: $10,000
Personal injury protection: Amount varies depending on health insurance
Michigan is a no-fault state, which means that each driver involved in an accident must file claims for their injuries with their own insurance companies, regardless of who was at fault.
How to get cheap car insurance in Lansing, MI
Know your coverage needs. Understand what types of protection you need and how much you can afford.
Research discounts: Take advantage of savings for things like paying your annual premium in full, being a good student, or switching to paperless.
Bundle policies: Get your renters or home and auto insurance from the same company and save on both policies.
Shop around: Compare rates from multiple companies before choosing a policy.
Frequently asked questions
Is car insurance required in Michigan, and what happens if I drive without it?
Yes, car insurance is mandatory in Michigan. Driving without insurance is publishable by a fine of between $200 and $500, up to one year in jail, or both. Drivers may also have their license suspended for 30 days, or until they can provide proof of insurance.
How often should I update my coverage in MI?
It’s a good idea to check your coverage before you renew your policy, especially if things have changed on your end, like your credit score or your driving history.
How much is car insurance per month in Michigan?
Drivers in Michigan pay an average of $2,425 per year for car insurance, which breaks down to $202 per month.
How much PIP coverage do I need in Michigan?
Drivers in Michigan have six options when it comes to PIP coverage: Unlimited coverage, up to $500,000 in coverage, up to $250,000 in coverage, up to $250,000 in coverage with PIP medical exclusion, up to $50,000 in coverage if you're enrolled in Medicaid, and PIP medical opt-out if you have Medicare. There are restrictions about who is eligible for which level of coverage, so check with your insurance agent or the Michigan Department of Insurance and Financial Services to find out exactly which PIP coverage option is right for you.
