Best cheap car insurance in Lansing

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The population of Lansing, Michigan is roughly 118,210, and every driver in the city is required to carry car insurance. Because Michigan is a no-fault state with a high minimum insurance requirement, insurance rates are expensive. The average full coverage policy in Lansing costs $2,092 per year and the average minimum coverage policy costs $880 per year.

However, drivers in Lansing can find a more affordable insurance policy by comparing providers and their average rates. We did some research to find the best cheap car insurance companies in Lansing. Not only do these providers have below-average rates, but they also offer generous discounts and good coverage options.

Best car insurance companies in Lansing

Not all car insurance companies are created equal, especially when it comes to price. The best car insurance companies in Lansing are USAA, Geico, Auto-owners and Progressive. These providers stand out for their affordable rates, generous discounts, third-party ratings, financial strength and coverage options.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
USAA 897 / 1,000 $464 $1,195
Geico 851 / 1,000 $558 $1,149
Auto-owners 845 / 1,000 $786 $1,812
Progressive 824 / 1,000 $564 $1,122

Quadrant Information Services, 2020

USAA

USAA only serves active duty and retired military members, and their spouses and children. But Lansing drivers who qualify for coverage from USAA can take advantage of the company’s excellent customer service, low rates and unique discounts.

Some of the discounts available from USAA include savings for good students, safe drivers, garaging a vehicle on a military base, loyal customers, taking a defensive driver training course and driving under a certain number of miles each year. USAA also offers flexible payment plans with no fees.

Geico

Geico earned the top ranking for overall customer satisfaction in J.D. Power’s 2020 U.S. Auto Insurance Study in the North Central region. Not only does Geico have affordable rates, but the company also offers an impressive list of discounts for further savings.

Geico has discounts for military members, going on emergency deployment, federal employees, good students, having a car with safety features and always wearing a seat belt, among others. Geico also has a highly-rated mobile app with claims reporting, digital ID cards and roadside assistance.

Auto-owners

Auto-owners is a great choice for Lansing drivers who care about getting good customer service. The company sells policies through a network of independent agents, and the company is also rated highly for claims satisfaction by J.D. Power.

Car insurance policies from Auto-owners are affordable and customizable. Drivers can purchase endorsements, like gap insurance, roadside assistance, diminished value coverage and the Personal Automobile Plus Package, which includes 10 additional coverages, like cell phone replacement coverage.

Progressive

Progressive is one of the cheapest car insurance providers in Lansing. In addition to low rates, Progressive also offers tons of discounts, including the Snapshot safe driver discount program, and the Name Your Price Tool, which allows you to find coverage that fits your budget.

If you want to customize your coverage, Progressive offers a variety of add-on policies, like gap insurance, rental car reimbursement, custom parts and equipment coverage, roadside assistance and the deductible savings bank, which lowers your deductible by $50 for every claim-free policy period.

Cheapest car insurance in Lansing

The average cost of car insurance in Lansing is less expensive than the average rate in Michigan, which is $2,375 for a full coverage policy annually and $995 for a minimum coverage policy annually. For comparison, the average American driver pays $1,738 per year for full coverage insurance and $563 per year for minimum coverage insurance.

If you are looking for the cheapest car insurance in Michigan, it is important to know that insurance rates can vary significantly between providers. The table below highlights the cheapest car insurance rates in Lansing from the most popular carriers based on market share:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Travelers $80 $1,199
MetLife $412 $1,218
USAA $464 $1,195
Geico $558 $1,149
Progressive $564 $1,122

Although these providers offer affordable rates, they each have pros and cons. For example, Geico offers limited coverage, so drivers who want to customize their policy should look into Progressive or Travelers instead. USAA offers highly rated customer service, but you must be military-affiliated in order to buy a policy.

These five providers offer great discounts, but the specific savings vary. Travelers and MetLife offer few discounts, whereas Progressive and Geico offer lots of discounts. Plus, Progressive, MetLife and Travelers have app-based safe driver discount programs. The cheapest provider for you might be the one that offers multiple discounts you can qualify for.

Lansing insurance requirements

Car insurance in Lansing is legally required for drivers who own a car that is registered in Michigan. Lansing drivers are required to carry at least 250/500/10 in personal liability insurance. Here is what that includes:

  • $250,000 in bodily injury liability coverage per person
  • $500,000 in bodily injury liability coverage per accident
  • $20,000 in property damage liability coverage per accident (outside Michigan only)

Because Michigan is a no-fault state, drivers must also have Personal Injury Protection (PIP) and Property Protection Insurance (PPI). PIP covers your medical bills after an accident and PPI covers any property damage you cause in the state of Michigan.

Purchasing a minimum coverage insurance policy means you will pay the lowest rate. However, many Lansing drivers upgrade to a full coverage policy with higher coverage limits, and collision and comprehensive insurance to protect their vehicle. Additionally, drivers who lease or finance their vehicle are often required to carry full coverage insurance until their loan is repaid.

Car insurance discounts in Lansing

Because car insurance in Lansing is pricey, most insurance companies offer discounts that can help you get a lower rate. Here are some of the most common car insurance discounts available in Lansing:

  • Defensive driver discount: Drivers who complete an approved defensive driver training course can usually get a discount on their car insurance policy.
  • Claims-free discount: If you have no insurance claims on your record within the last several years, ask your insurance company about a claims-free discount,
  • Policy bundling discount: Most insurance companies offer a significant discount to customers who insure their home and vehicle with the same company.
  • Multi-vehicle discount: Drivers who insure two or more vehicles on their car insurance policy can usually qualify for a lower rate.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for every driver. It depends on your budget, the type of coverage you need, the amount of coverage you need, which discounts you can qualify for and so on. Shop around, compare providers and get multiple discounts to find the best provider for your personal needs.

How much does car insurance in Lansing cost?

Car insurance quotes in Lansing are expensive. On average, a full coverage policy in Lansing costs $2,092 per year and a minimum coverage policy costs $880 per year. However, you might pay more or less than average depending on your age, credit score, discounts, added endorsements, the type of car you drive and more.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.