Lansing, MI Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Lansing.
How much does car insurance cost in Lansing?
The typical Lansing driver pays $1,450 per year for car insurance. That's less expensive than the statewide average in Michigan ($1,548) and pricier than the national average of $880. Our guide to Lansing auto insurance includes average rates based on age, credit score, and other factors. Read on to learn more!
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| Car insurance in Lansing vs. Michigan | Average 6 Mo. Premium |
|---|---|
| Lansing average | $1,450 |
| Michigan average | $1,548 |
The Zebra's key takeaways about car insurance in Lansing:
- The average cost of a car insurance policy in Lansing is $1,450 per six-month policy — $241 per month.
- The cheapest company in Lansing is Progressive ($918).
- 36% of Zebra customers in Lansing stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Lansing car insurance rates by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and choose the insurer that best fits your coverage needs. In Lansing, Progressive offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Lansing. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Progressive | $918 |
| AAA | $1,086 |
| State Farm | $1,482 |
| Allstate | $2,232 |
| The Hanover | $2,793 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Lansing.
Lansing auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 31% of Lansing drivers. Lansing drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,356 per six-month, on average. Those in their 60s don't pay significantly more ($1,379).
Teenage drivers pay Lansing's most expensive auto insurance rates. When drivers hit their 20s in Lansing and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Lansing is $4,682, the largest such difference between any two age brackets.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $4,154 |
| 20s | $1,812 |
| 30s | $1,447 |
| 40s | $1,436 |
| 50s | $1,356 |
| 60s | $1,379 |
| 70s | $1,597 |
Lansing car insurance rates by credit score
Credit score is often closely correlated with car insurance costs. Lansing drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 79% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Lansing, improving your credit to "Fair" could help you earn $2,757 in savings on insurance premiums every six months. Our data tells us 36% of drivers in Lansing have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $4,682 |
| Fair | $1,924 |
| Good | $1,450 |
| Very Good | $1,195 |
| Exceptional | $970 |
Lansing car insurance rates by violation
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs and DWIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Lansing drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $5,688 per year versus the city average. A ticket for speeding results in a $1,871 rate hike while a DWI or DUI violation costs $ 5,491 per year in extra insurance expenditures.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $4,196 |
| Reckless Driving | $4,294 |
| At-fault Accident (damages less than $1,000) | $2,059 |
| At-fault Accident (damages greater than $2,000) | $2,284 |
| Speeding Ticket (16-20 mph over speed limit) | $2,386 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.