Lansing’s population is approximately 118,210. Every driver must have car insurance. Insurance rates in Michigan are high because it is a state that does not require minimum coverage and has no fault. An average Lansing full coverage policy costs $2,092 per annum, while an average minimum coverage policy costs $880 annually.
By comparing rates and providers, drivers in Lansing might be able find the lowest car insurance prices. We conducted extensive research to locate the most affordable car insurance companies in Lansing. These providers not only offer lower rates than the average, but also provide generous discounts and excellent coverage options.
Lansing’s best car insurance companies
There are many car insurance companies that offer different pricing options. These providers are distinguished by their affordable rates, as quoted Quadrant Information Services, generous discount, third-party ratings and financial strength, as well as the variety of coverage options.
Travelers
Travelers has the lowest average minimum rates for Lansing that we have on our list. You can also get rideshare, umbrella and accident forgiveness insurance from Travelers. Travelers offers extended replacement coverage and robust online tools to assist you in managing your policy. You can get discounts on continuous insurance, hybrid and electric vehicles, as well as new cars.
USAA
USAA is only available to active duty, retired military personnel and eligible family members. USAA offers coverage to Lansing drivers at low rates and excellent customer service. USAA offers discounts for safe drivers, good students, and loyal customers. They also offer savings on vehicles garaged at military bases, vehicle garaging, and other benefits such as savings for those who are good students or have good driving records. USAA offers flexible payment options with no fees.
Progressive
Progressive is the best car insurance provider in Lansing. Progressive offers low rates and tons of discounts. This includes the Snapshot safe driver discount program, as well as the Name Your Price tool, which will allow you to choose coverage that suits your needs. Progressive also offers many add-on policies that can be customized to your coverage. These include gap insurance, rental car reimbursements, custom parts and equipment coverage and the deductible savings banking, which reduces your deductible by $50 per claim-free policy period.
Geico
J.D. ranked Geico as the best for customer satisfaction overall. J.D. Power’s 2020 U.S. Auto Insurance Study was conducted in the North Central region. Geico offers affordable rates and a list of discount to further save. Geico offers discounts to military personnel, federal employees, students, and those who have a car equipped with safety features. Geico also offers a highly rated mobile application that allows for claims reporting, digital ID cards, and roadside assistance.
Auto-Owners
For Lansing drivers who are passionate about providing excellent customer service, Auto-Owners can be a great option. The company sells policies through an independent network of agents and is highly rated by J.D. for claims satisfaction. Power. Auto-owners offer affordable and flexible car insurance policies. You can buy endorsements for drivers, such as gap insurance, roadside assistance and the Personal Automobile Plus Package which includes 10 additional coverages like cell phone replacement.
Lansing has the lowest car insurance
The average cost for car insurance in Lansing costs less than the best auto insurance in the State. It is important to understand that insurance rates can differ greatly between providers if you’re looking for the lowest car insurance in Michigan. Below is a table that shows Lansing’s most affordable car insurance rates based on market share.
These providers may offer reasonable rates, but each provider has its pros and cons. Geico, for example, offers very limited coverage. Drivers who wish to customize their policy can look into Progressive and Travelers. USAA has a high rating for customer service. However, you must be military-affiliated to purchase a policy.
These five providers offer excellent car insurance discounts. However, the savings are different for each provider. While Travelers does not offer any discounts, Progressive and Geico both offer a lot of discounts. Progressive and Travelers offer app-based safe driver discounts programs. You might find the cheapest provider that offers multiple discounts.
Insurance requirements for lansing
Drivers who have a Michigan-registered car must purchase Lansing car insurance. Auto insurance companies in Lansing will not offer Lansing drivers the preferred limits of personal insurance that Michigan requires. This includes coverage of at least 250/500/10.
- $250,000 bodily injury liability coverage per individual
- $500,000 per accident in bodily injury liability coverage
- $10,000 per accident property damage coverage (outside Michigan only).
However, you can choose to have lower car insurance coverage. Michigan’s minimum personal liability limits are 50/100/10.
- $50,000 bodily injury liability coverage per individual
- $100,000 bodily injury liability coverage per accident
- $10,000 per accident property damage coverage (only for Michigan)
Michigan is a state that does not require drivers to have Personal Injury Protection (PIP), and Property Protection Insurance. PIP pays for your medical bills following an accident, while PPI covers any property damage that you cause in Michigan.
A minimum coverage policy will result in the lowest rate. Many Lansing drivers choose to upgrade to full coverage policies with greater coverage limits, collision and comprehensive insurance to protect their vehicles. Drivers who finance or lease vehicles often have to purchase full coverage insurance until the loan is repaid.
Lansing car insurance discounts
Insurance companies often offer discounts to help you save money on car insurance in Lansing. These are the most popular Lansing car insurance discounts:
- Defensive driver discount: Drivers who successfully complete a defensive driving course are eligible for a discount on their auto insurance policies.
- Discount for no claims: Ask your insurance company for a discount on your premium if you have not had any insurance claims in the past few years.
- Discount for policy bundling: Customers who insure both their vehicle and home with the same insurance company receive a substantial discount.
- Multi-vehicle Discount: Drivers who have two or more cars insured on their auto insurance policy may be eligible for a lower rate.
Questions frequently asked
Which is the best auto insurance company?
Every driver will have a different experience with the best auto insurance company. It all depends on what you want, your budget, how much coverage you need and which discounts you are eligible for. Compare providers, get multiple discounts and shop around to find the best provider for you.
What is the cost of car insurance in Lansing?
Lansing is known for its expensive car insurance. A full coverage policy in Lansing will cost you $2,092 annually, while a minimum coverage policy will cost you $880. You might pay more or less depending on your credit score, age, credit history, discounts, added endorsements and the type of vehicle you drive.
