Lansing, MI Car Insurance

Drivers in Lansing can expect to pay around $242 per month on average. Are you paying too much?

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How much does car insurance cost in Lansing?

 

The typical Lansing driver pays $2,901 per year for car insurance. That's less expensive than the statewide average in Michigan ($3,096) and pricier than the national average of $1,548. Our guide to Lansing auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
CAR INSURANCE: LANSING RATES VS. STATE + NATIONAL AVERAGES
Lansing Average (annual)Michigan AverageNational Average
$2,901$3,096$1,548
 
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Lansing auto insurance rates by insurer

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to 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. Don't forget to get car insurance quotes based on your unique driving profile.

 
LANSING CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Yearly Rate
Progressive$1,837
AAA$2,173
State Farm$2,964
Allstate$4,465
The Hanover$5,586
 

Check out our guide to learn how to find the best cheap car insurance.

 
 

 

Lansing car insurance premiums by age

Lansing drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $2,712 per year, on average. Those in their 60s don't pay significantly more ($2,759).

Teen 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 PREMIUMS BY DRIVER AGE
Age groupAverage Annual Rate
Teenagers$8,308
20s$3,625
30s$2,895
40s$2,873
50s$2,712
60s$2,759
70s$3,195
 

Learn more about the impact of age on car insurance premiums.

 
 

 

Lansing auto insurance costs by marital status and gender

 

Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Lansing pay $34 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Lansing, single drivers pay more than those who are widowed.

Gender is yet another factor that can affect auto insurance premiums. In Lansing, female drivers pay $45 per year more than do male drivers for car insurance.

 
INSURANCE RATES IN LANSING BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$2,946
Male$2,901
Single$2,867
Married$2,867
Divorced$2,901
Widowed$2,901
 

Learn more about the impact gender and marital status have on insurance rates.

 
 

 

Lansing car insurance rates by incident history

 

Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, 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 $5,491per year in extra insurance expenditures.

 
LANSING CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Yearly Rate
DWI/DUI$8,392
Reckless Driving$8,588
At-fault Accident (damages less than $1,000)$4,118
At-fault Accident (damages greater than $2,000)$4,569
Speeding Ticket (16-20 mph over speed limit)$4,772
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

Lansing car insurance costs by credit score

 

Credit score is often closely correlated with car insurance costs. In fact, 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 $5,515 in savings on insurance premiums each year.

 
LANSING AUTO INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Annual Rate
Very Poor$9,365
Fair$3,849
Good$2,901
Very Good$2,390
Exceptional$1,941
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 
 

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.