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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

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  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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!

 

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?

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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.

Cheapest car insurance companies in Lansing, MI
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 auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data 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.

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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.

Lansing auto insurance costs by age
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). 

credit score
Lansing auto insurance costs by credit level
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.

Lansing auto insurance rates after a violation
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

Compare over 100 insurance companies at once!

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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.