Lansing Car Insurance

The Zebra
May 30, 2018

Car Insurance in Lansing

It is common knowledge that Lansing has inexpensive premiums, as its mean premium falls below the state average by $133. Let’s go over some ways to save on car insurance in Lansing.

  • City Average: $2,477
  • State Average: $2,610
  • National Average: $1,427

Lansing Car Insurance by Accident or Violation History

Having an unblemished driving record is crutial if you want to keep your car insurance rates minimal. A DUI will increase your car insurance premiums more than other driving violations. Typically, a DUI in Lansing will cost you 189% more in car insurance premiums versus the city average ($2,477). Reckless driving will push your premiums up as well, with average rates of $6,972. That is 181% higher than the city average! If you are found at-fault in an accident in Lansing, you can expect your annual car insurance premiums to increase by $1,198.

  • DUI: $7,158
  • Reckless Driving: $6,972
  • At-fault Accident (damages less than $1000): $3,675
  • At-fault Accident (damages greater than $2000): $3,675
  • Speeding Ticket (16-20 mph over speed limit): $4,106

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Lansing Car Insurance by Credit Rating

There is a discrepancy of $4,235 a year between car insurance premiums for individuals with Very Poor credit (300-579) and Exceptional credit (800-850). Drivers can save around 28% per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $6,314
  • Fair: $4,559
  • Good: $3,545
  • Very Good: $2,693
  • Exceptional: $2,079

Lansing Car Insurance by Gender and Marital Status

There are several factors, including gender and marital status, that have an effect on car insurance premiums in Lansing. Premiums are more costly for women than for men. Women typically pay $40 more than men every year for insurance. There is no difference in rates between those who are single and those who are divorced or widowed. In contrast, you spend close to 1% more per year if you're single as opposed to married.

  • Female: $2,517
  • Male: $2,477
  • Single: $2,477
  • Married: $2,442
  • Divorced: $2,477
  • Widowed: $2,477

Lansing Car Insurance by Age

At $2,289, drivers in their 50s have the smallest insurance rates among any age group. Those in their 60s ($2,334) have premiums that aren't much higher. In Lansing, when drivers reach their 20s, therefore moving out of the teenage age range, they can save 58%. It is the biggest difference between any age group. Rates continue to trend downward up until drivers turn 60. Car insurance premiums are highest for teenage drivers, with average rates of $7,708 per year.

  • Teenagers: $7,708
  • 20s: $3,204
  • 30s: $2,482
  • 40s: $2,442
  • 50s: $2,289
  • 60s: $2,334
  • 70s: $2,721