The best car insurance in Lansing, MI

Ed ZuccarelliRachael Brennan headshot

By

Ed Zuccarelli

Ed Zuccarelli

Freelance contributor

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|2 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

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.

Ready to shop car insurance?

Start calculator

Policygenius makes it easy to see options from top car insurance companies so you can pick the coverage that’s best for you.

Key Takeaways

  • MetLife has the lowest average rates in Lansing at $968 a year.

  • GEICO has the cheapest rates for Lansing drivers with bad credit.

  • Michigan requires at least $50,000 per person/$100,000 per accident in bodily injury liability coverage and $10,000 in property damage liability.

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

--

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

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

Ready to shop car insurance?

Start calculator

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.

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 $2,377 per year for car insurance, which breaks down to $198.08 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.

Methodology

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.