The average cost of full coverage car insurance in Lansing, Michigan is $2,215, slightly below the state average of $2,377. Lansing drivers can save even more by comparing quotes from multiple companies before picking a policy.
Policygenius makes it easy to see options from top car insurance companies so you can pick the coverage that’s best for you.
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.
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.
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.
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.
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: $ $50,000
Bodily injury liability coverage per accident: $100,000
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.
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.