Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Lansing, MI for senior drivers are $6,144/year
  • The cheapest car insurance company in Lansing for teen drivers is USAA
  • The cheapest car insurance company in Lansing after a DUI is Progressive

Average car insurance rates in Lansing, Michigan are $780 a month. But with a little research you can get a great deal from the top car insurance companies in Lansing, MI. Before you buy Lansing, Michigan car insurance, make sure your coverage meets or exceeds the Michigan minimum of 20/40/10.

It may even be helpful to compare Lansing car insurance rates with Warren car insurance rates, Ann Arbor car insurance rates, or Detroit car insurance rates to make sure you’re getting the best Lansing, MI car insurance quotes available.

Need affordable Lansing, MI car insurance? Enter your ZIP code to compare Lansing car insurance quotes from multiple car insurance companies near you.

Lansing, MI Minimum Car Insurance Coverage

Lansing, Michigan law requires drivers carry a minimum of 20/40/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Lansing, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Lansing, MI Car Insurance Rates by Coverage Level

Some Lansing drivers can get by with the Michigan minimum coverage of 20/40/10. Other drivers may need more. See how much your Lansing, Michigan car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Lansing, Michigan

Insurance Company Low Medium High
Allstate $20,187 $20,866 $21,378
Farmers $4,905 $5,021 $5,172
GEICO $5,948 $6,247 $6,686
Liberty Mutual $17,836 $18,165 $18,601
Nationwide $5,135 $4,833 $4,773
Progressive $4,352 $4,484 $4,600
State Farm $12,641 $13,404 $13,914
Travelers $7,536 $7,630 $7,692
USAA $3,420 $3,537 $3,627

Lansing, MI Car Insurance Rates by Age, Gender, and Marital Status

Lansing, Michigan car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lansing, MI car insurance, get quotes from multiple car insurance companies in the Lansing area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lansing, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $15,130 $15,130 $14,021 $14,021 $38,137 $38,137 $15,953 $15,953
Farmers $3,789 $3,789 $3,532 $3,532 $8,552 $8,552 $4,258 $4,258
GEICO $4,317 $4,317 $4,401 $4,401 $12,321 $12,321 $4,134 $4,134
Liberty Mutual $13,682 $13,682 $13,549 $13,549 $31,890 $31,890 $13,682 $13,682
Nationwide $3,566 $3,566 $3,190 $3,190 $9,010 $9,010 $3,888 $3,888
Progressive $2,584 $2,414 $2,298 $2,536 $9,720 $10,456 $3,004 $2,817
State Farm $7,974 $7,974 $7,425 $7,425 $28,496 $28,496 $9,384 $9,384
Travelers $5,125 $5,125 $4,407 $4,407 $15,382 $15,382 $5,563 $5,563
USAA $2,577 $2,437 $2,426 $2,287 $6,338 $6,014 $3,139 $3,004

Lansing, MI Car Insurance Rates for Teens

How much is Lansing, Michigan car insurance for teens? Compare rates from top Lansing car insurance companies below to help find the cheapest teen car insurance in Lansing, MI.

Annual Car Insurance Rates for Teen Drivers in Lansing, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $38,137 $38,137
Farmers $8,552 $8,552
GEICO $12,321 $12,321
Liberty Mutual $31,890 $31,890
Nationwide $9,010 $9,010
Progressive $9,720 $10,456
State Farm $28,496 $28,496
Travelers $15,382 $15,382
USAA $6,338 $6,014

Lansing, MI Car Insurance Rates for Seniors

Before seniors buy Lansing, Michigan car insurance, they should make sure to shop around. Some Lansing, MI car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Lansing, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,021 $14,021
Farmers $3,532 $3,532
GEICO $4,401 $4,401
Liberty Mutual $13,549 $13,549
Nationwide $3,190 $3,190
Progressive $2,298 $2,536
State Farm $7,425 $7,425
Travelers $4,407 $4,407
USAA $2,426 $2,287

Lansing, MI Car Insurance Rates by Credit History

How does your credit history affect Lansing, MI car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Lansing, Michigan

Insurance Company Poor Fair Good
Allstate $31,476 $17,475 $13,479
Farmers $6,597 $4,416 $4,085
GEICO $8,097 $5,948 $4,836
Liberty Mutual $28,785 $16,629 $9,188
Nationwide $6,148 $4,638 $3,955
Progressive $5,129 $4,356 $3,951
State Farm $21,629 $10,924 $7,406
Travelers $7,808 $7,573 $7,477
USAA $5,273 $3,014 $2,297

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Lansing, MI Car Insurance Rates by Driver History

How does a single speeding ticket affect your Lansing, Michigan car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lansing.

Annual Lansing, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,142 $13,536 $45,370 $14,193
Farmers $4,233 $5,389 $5,316 $5,193
GEICO $2,194 $4,677 $14,218 $4,085
Liberty Mutual $12,503 $15,275 $28,862 $16,162
Nationwide $4,215 $5,600 $5,102 $4,737
Progressive $3,824 $4,981 $4,471 $4,639
State Farm $8,355 $10,082 $22,170 $12,672
Travelers $5,149 $7,360 $11,881 $6,087
USAA $2,838 $3,544 $4,637 $3,092

Lansing, MI Car Insurance Rates With a DUI

Even a single DUI can increase your Lansing, MI car insurance rates. Compare rates below to see which Lansing car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Lansing, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $45,370
Farmers $5,316
GEICO $14,218
Liberty Mutual $28,862
Nationwide $5,102
Progressive $4,471
State Farm $22,170
Travelers $11,881
USAA $4,637

Lansing, MI Car Insurance Rates by ZIP Code

Just like Lansing car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Lansing, MI car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Lansing, Michigan

ZIP Code Average Annual Rates
48906 $6,333
48910 $6,326
48911 $6,440
48912 $6,535
48915 $6,737
48924 $6,947
48933 $6,590

Lansing, MI Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lansing, MI car insurance rates may be. Let’s take a look at average car insurance rates from top Lansing companies based on commute time.

Annual Car Insurance Rates by Commute Length in Lansing, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,810 $20,810
Farmers $5,033 $5,033
GEICO $6,150 $6,437
Liberty Mutual $17,582 $18,820
Nationwide $4,914 $4,914
Progressive $4,479 $4,479
State Farm $12,960 $13,680
Travelers $7,576 $7,663
USAA $3,488 $3,568

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Lansing, MI Cheapest Car Insurance Rates

How do the top Lansing, Michigan car insurance companies’ average rates stack up against the Lansing average monthly car insurance rates of $780? Take a look and see.

Best Annual Car Insurance Rates by Company in Lansing, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Lansing, MI Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Lansing, Michigan car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Lansing, Michigan

Insurance Company Average Annual Rates
Allstate $20,810
Farmers $5,033
GEICO $6,294
Liberty Mutual $18,201
Nationwide $4,914
Progressive $4,479
State Farm $13,320
Travelers $7,619
USAA $3,528

Other Factors Affecting Lansing, MI Car Insurance Rates

Before you buy Lansing, Michigan car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lansing, MI Car Theft Rates

The car theft rate in Lansing, MI will affect your car insurance rates. FBI data shows that the annual car theft rate for Lansing, Michigan is 437 stolen cars.

Lansing, MI Commute Time

How does your Lansing, MI commute time compare with the average driver? In Lansing, the average commute is 16.3 minutes.

Lansing, MI Traffic

Spending time in Lansing traffic can lead to higher car insurance rates. According to INRIX data, Lansing, MI ranks as the 978th-most congested with traffic in the world.

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Lansing, MI Car Insurance Quotes

Compare Lansing, MI car insurance quotes from multiple companies by entering your ZIP code now.