East Lansing residents have a 15 minute commute, which is shorter than in other parts of Michigan. More than 40% of Michigan residents have two cars, and more than half of East Lansingers commute alone to work.
East Lansing’s average car insurance rate is $809/year for minimum coverage and $1,967/year for full coverage. We compared quotes, coverages and financial strength from different Michigan insurance providers to determine the best car insurance companies that offer the lowest rates.
The best car insurance companies East Lansing
We compared the rates, discounts, coverage options, and financial strength of several leading East Lansing insurance companies to find the best East Lansing auto insurance companies. To determine which company has the best customer satisfaction and claims ratings, third-party rankings were used. To calculate the average annual premium, we also used 2021 rate data from Quadrant Information Services.
|Insurance company||J.D. J.D.||Minimum coverage: Average annual premium||For full coverage, the average annual premium|
|Auto-Owners||845 / 1000||$766||$1,768|
|Geico||851 / 1000||$556||$1,146|
|Grange||832 / 1000||$1,318||$1,964|
|Westfield||836 / 1000||$112||$2,318|
Quadrant Information Services, 2020
Auto-Owners Insurance is a Michigan insurance company that has been protecting Michigan residents for more than 100 years. Auto-Owners not only offers standard policies for auto, home, and life but also covers recreational toys such as ATVs and boats.
Auto-Owners has rates that are lower than the East Lansing average and is the fifth insurer in customer satisfaction in the North Central region of the 2020 U.S. Auto Insurance Satisfaction Study. According to financial stability rating organizations like AM Best, Auto-Owners ranks fourth for Auto Claims satisfaction. It has superior financial strength and can pay out claims even in the event of a disaster.
Geico offers the lowest average rate for full-coverage insurance. Geico offers specific coverage for riders, on-demand delivery drivers, and travelers to Mexico.
Geico is second in the North Central region for customer satisfaction, as well as purchase experience, on the 2020 U.S. Insurance Shopping Study. GEICO has the highest financial strength ratings, but was not as good on the Auto Claims Satisfaction Study.
Grange Insurance offers coverage only in 13 states. However, it still offers specialized features such as OEM parts and pet injury coverage. Grange was not included in the Auto Claims Study and Insurance Shopping Study. However, the North Central region rates Grange at 832 points. This puts it in seventh place on the Auto Insurance Satisfaction Study.
Westfield, a small insurance company that offers personal and business insurance, is another option. If you are a motorcycle rider, you could be eligible for gap insurance or trip coverage. You also have the option to add coverage for helmets or other gear. Westfield rates just below Grange in the North Central Region, and has the highest average rates of liability coverage.
East Lansing’s lowest priced car insurance
Michigan drivers are charged higher rates than other drivers in the U.S. The average cost for car insurance in is $565 per annum for liability coverage, $1,674 to cover full coverage, while Michigan drivers pay $948 on average for liability coverage, and $2,309 for complete coverage. East Lansing’s average rate is $809 per year for liability coverage and $1,967 per year for full coverage.
To find the lowest car insurance rates in East Lansing, we looked at coverages, discounts, financial strength, claims, and customer service experience. Travelers offers the lowest rates for liability coverage, while Premium provides the most comprehensive coverage.
Travelers offers a variety of discounts and optional coverages, making it possible to get car insurance at such low rates. Progressive offers rideshare coverage, as well as a deductible savings option for each year that you do not file a claim.
|Insurance company||Minimum coverage: Average annual premium||For full coverage, the average annual premium|
Quadrant Information Services, 2020
East Lansing Insurance requirements
Michigan residents must all have the same minimum insurance requirements in order to legally register their vehicle and drive it. East Lansing residents need to have at least:
- Bodily Injury: $20,000 per Person, $40,000 per Accident
- Property damage: $10,000 per accident
- Property protection: $1 Million
- Personal Injury Insurance: Unlimited (can select deductible)
While some people only require the minimum coverage, others may be more comfortable with higher liability limits. This provides financial protection in case of an accident. To meet loan requirements, leased and finance cars usually require full coverage. If your car has a high value you may want to consider full coverage.
East Lansing car insurance discounts
East Lansing residents may be able to get discounts on their car insurance due to the higher than average car insurance rates. Discounts can lower the cost of insurance and make it more affordable. Take a look at these discounts and ask about any other discounts that may be available to you.
- Some companies offer a discount for customers who shop for insurance prior to their policy renewals. Your car insurance costs can be reduced by paying in full, rather than on a monthly payment plan.
- Multi-policy discount: Insuring multiple policies with the same insurer can save you money.
- Safety features: The more secure your car is, you will pay less for car insurance. Vehicles that have multiple airbags, antilock brakes, and other safety features are more affordable than vehicles without them.
- Use-based discount: Many companies offer usage-based discounts to reduce your insurance costs if you work remotely or commute frequently. Your driving habits will also be checked, including hard braking and rapid accelerations.
Questions frequently asked
Which is the best auto insurance company?
Living in East Lansing will allow you to find the best auto insurance company that offers the discounts and coverages you require. Rates can vary depending on your household information such as age, driving record, and insured vehicles.
What is the cost of car insurance in East Lansing?
Drivers in East Lansing should expect to pay an average annual premium of $809 for liability and $1,967 if they want full coverage. Based on your driving habits and driving history, your rate could be lower or more.
What amount of car insurance do you need in East Lansing
Not meeting the minimum coverage requirements will guarantee you have the coverage you need. The amount of coverage you need will depend on whether you are able to self-insure, the value of your car and whether you financed your vehicle. Multiple quotes from different insurance companies can help you get the best deal on the coverage you need.