Cheapest Auto Insurance in Lansing, Michigan (2025)
Auto-Owners offers the cheapest car insurance in Lansing, with minimum-coverage policies as low as $54 per month.
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Lansing drivers pay an average car insurance premium of $132 per month for liability insurance. Michigan has some of the highest insurance rates in the country due to the state’s no-fault insurance system and coverage requirements, but Lansing drivers pay less than the rest of the state.
The average monthly cost of liability car insurance in Michigan is $142, which exceeds the national average of $103 for liability coverage.
Before signing up for a policy, make sure to shop around with multiple companies to find the best rate. Here’s what to know about finding cheap car insurance in Lansing.
Quick Facts
The cheapest car insurance companies in Lansing include Auto-Owners, USAA, and Chubb.
The average cost of full-coverage insurance is $207 per month in Lansing, $214 in the state of Michigan, and $182 in the U.S.
Michigan insurance companies can’t consider your credit history when determining insurance premiums.
3 of the cheapest car insurance companies in Lansing
Lansing drivers have plenty of affordable and highly rated car insurance companies to choose from. As you review the companies operating in the area, remember that the best company for you will depend on your unique situation and needs.
As you start your search, keep the following three companies in mind. The quotes provided below reflect Michigan’s statewide average costs.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Chubb
Best insurer for customer service: Auto-Owners
Best insurer for military members and veterans: USAA
How to get the cheapest car insurance in Lansing
Though Michigan generally has high insurance premiums, Lansing drivers are lucky enough to have some of the cheapest rates in the state. Even so, you can do some things to save even more.
The best way to save money on car insurance is by shopping around before signing up for a policy. Don’t just sign up for a policy with the first company you get a quote from. Get quotes from multiple insurers to see which will offer you the cheapest rates.
Other ways to save money include:
Cheapest liability-only car insurance in Lansing: Auto-Owners
You can generally get the lowest rates on car insurance by purchasing a liability-only policy. Liability insurance, which is required in nearly every state, protects other drivers on the road. If you cause an accident, your liability insurance will pay for other people’s injuries as well as damage to their property. Liability insurance also protects you, as it prevents you from having to pay for those damages out of your own pocket.
But liability insurance doesn’t pay for any damage to your vehicle or for any injuries you or your passengers may have suffered. Though if you drive an older, less expensive car, liability coverage may provide affordable coverage that fits your needs.
The average cost of liability-only coverage in Lansing is $132 per month. Here, you can see the average rates for liability-only coverage in Lansing.
Cheapest full-coverage car insurance in Lansing: Auto-Owners
Full-coverage insurance includes liability insurance, but it can also include collision insurance, comprehensive insurance, uninsured motorist coverage, and more.
While you may prefer to avoid the higher price tag that comes with full coverage, it’s probably a good idea for drivers who can’t easily afford to replace their vehicle themselves. Many lenders also require you to purchase a full-coverage policy before approving you for a loan.
In Lansing, drivers carrying full coverage pay a monthly average of $207. The following table illustrates full-coverage quotes from top insurers in the city.
Car insurance requirements in Michigan
Car insurance is required for all vehicle owners in Michigan.1 The state’s basic auto insurance policy has three main components:
In addition to the coverages Michigan requires, some additional coverages can be helpful to have. These coverages can help further protect you from financial losses after an accident or incident. Optional coverages include:
Limited property damage liability coverage
Towing and rental coverage
Michigan’s no-fault insurance law
Michigan has a no-fault insurance law, which means that, after an accident, each driver’s insurance policy pays for its own client, regardless of who caused the accident.
In most cases, the law prevents drivers from suing each other after accidents. But in some situations, an injured party can sue the at-fault driver in an accident:
Someone was killed, seriously injured, or permanently disfigured as a result of the accident
One of the drivers is a non-resident in a vehicle not registered in Michigan
The accident took place in another state
One driver is more than 50% at fault in the accident where the other driver’s car sustains damages not covered by insurance
In the situations described above, your residual liability insurance coverages would kick in, up to your coverage limits.
Cheapest car insurance for drivers with an incident
If you have any incidents on your driving record, you could pay more for car insurance. Incidents that could increase your insurance rates include speeding tickets, at-fault accidents, driving under the influence, and other moving violations.
The amount your rate will increase depends on a few key factors, including the severity of the incident and what else is on your driving record. A more serious violation or a violation for someone who already has a spotty driving record could mean a bigger rate hike.
The average cost of car insurance for Lansing drivers with a past incident is $165 per month for liability insurance and $259 for full-coverage insurance.
In the sections that follow, you’ll see how specific incidents can affect your rates.
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Your insurance premiums will probably increase after a speeding ticket. Generally speaking, the faster you were driving, the more your rate will increase.
Your rate increase will also depend on your insurance company. For example, Progressive says its customers pay about 15% more after their first ticket in three years, while Liberty Mutual states premiums go up an average of 25% after a ticket.2 3
In Lansing, drivers with a speeding ticket pay an average monthly rate of $153 for liability-only coverage.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
You can almost certainly expect your insurance premiums to go up if you’re involved in an at-fault accident. Not only did the accident possibly cost your insurance company money, but it also indicates to your insurer that you’re potentially a higher-risk driver.
Of course, it’s not only when you’re at fault for an accident that your rates can increase. You could even see your premiums go up if you didn’t cause the accident. This may be especially true in Michigan, given the state’s no-fault insurance law.
On average, Lansing drivers with an at-fault accident on their motor vehicle records pay $189 per month for liability coverage. The following table illustrates quotes from top insurers for Lansing drivers after an at-fault accident.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence is one of the most serious moving violations. If you get a DUI in Michigan, you can have your license suspended for up to 180 days.4 Once you’re able to drive again, you’ll see your insurance premiums increase and some insurers may even deny you coverage altogether.
While the rate increase after a DUI will vary depending on the driver, many people see their rates roughly double. Lansing drivers with a DUI pay a monthly average of $213 for liability insurance.
Cheapest car insurance for seniors: Auto-Owners
While insurance rates tend to decrease with age, that trend often reverses once a driver reaches their 70s. Though older drivers tend to drive fewer miles and in fewer high-risk situations (such as night driving), their risk of an accident and their likelihood of filing a claim still increases. As a result, their insurance premiums may increase as well.
Senior drivers in Lansing pay $174 per month for full coverage and $111 for liability-only policies, on average. The following table provides examples of top insurers’ rates for seniors in Lansing.
Cheapest car insurance for teens: USAA
Statistically, teens are the highest-risk drivers on the road. They have less experience and are more likely to be killed in an accident than any other age demographic. They’re also more likely than other drivers to engage in risky behaviors like night driving, distracted driving, speeding, and more. As a result, teens pay the highest insurance premiums.
Lansing teen drivers pay an average of $204 per month for liability-only insurance and $320 for full coverage.
If you’re the teen or the parent of a teen, you can do some things to save some money on insurance. Consider taking advantage of one of the many teen and student discounts offered by insurance companies. You can also save by maintaining a clean driving record, driving a safe vehicle, completing a driver safety course, and keeping the teen on their parents’ insurance as long as possible.
Is car insurance more expensive in Lansing?
Michigan drivers have historically paid some of the highest insurance premiums in the country due to the state’s no-fault insurance system and high minimum coverage requirements. For example, 2020 data from the National Association of Insurance Commissioners (NAIC) shows Michigan as having the third-highest average premiums in the country and rates well above the national average.5
Lansing insurance rates also exceed the national average. The average cost of liability coverage is $132 per month in Lansing, $142 in Michigan, and $103 nationwide. Full-coverage insurance costs an average of $207 per month in Lansing, $214 statewide, and $103 nationwide.
More cities in Michigan
Lansing has more affordable insurance premiums than some other major cities in the state, like Flint and Detroit. Compare the average car insurance quotes for different Michigan cities below.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lansing car insurance FAQs
Before buying car insurance in Lansing, make sure you understand the local laws, average premiums, and which companies have the best rates. Here’s some more information to help you with your search.
How much is car insurance in Lansing?
The average cost of car insurance for Lansing drivers is $132 per month for liability-only insurance and $207 per month for full coverage. How much you pay for coverage will ultimately depend on your driving record, age, chosen coverage, and more.
Which company has the cheapest car insurance in Lansing?
Auto-Owners offers the lowest rates in Lansing. The insurer’s rates start at $54 per month for liability-only coverage and $91 for full coverage. USAA and Chubb also have affordable coverage, with respective liability rates of $55 and $59 per month.
What are the best car insurance companies in Lansing?
With an Insurify Quality (IQ) Score of 8.2 out of 5, an AM Best financial strength rating of A++ (Superior), and high claims satisfaction, Auto-Owners is one of the best car insurance companies in Lansing. On average, Lansing drivers with coverage from Auto-Owners pay $61 per month for liability coverage and $105 for full-coverage insurance.
Drivers in the city have plenty of great insurers to choose from, but some other top companies include Chubb and USAA, thanks to their affordable rates and highly-rated customer service.
What are the Michigan minimum car insurance requirements?
Michigan drivers must have three types of insurance coverage. They must have personal injury protection with coverage limits ranging from none to unlimited. Next, they must have property protection coverage of up to $1 million. Finally, they must have residual liability insurance of $250,000 per person and $500,000 per accident of bodily injury liability and $10,000 for property damage liability.
Can Michigan insurers consider your credit history?
No. Michigan passed an insurance reform in 2019 that prohibits insurance companies from using a driver’s credit score to determine their insurance premiums.6 In many states, your credit score can be a determining factor when it comes to your insurance rates. Drivers with poor credit scores generally pay more for car insurance, while drivers with good credit tend to pay less.
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