Car Insurance in Lansing
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Car Insurance in Lansing, MI
If you live in Lansing, Michigan, you probably know that it's the birthplace of the Oldsmobile and was once a hub for automobile manufacturing. With a population of over 100,000 people, Lansing is the sixth-largest city in the Wolverine State. Making sure you have adequate car coverage in Lansing is essential, as it's an unavoidable part of driving in Lansing. Understanding the cost of car insurance in Lansing is a crucial first step.
The capital city of Michigan has a rich history and diverse culture. It's home to the only state capitol in the country to be named a National Historic Landmark. But the history doesn't stop there. Lansing also has the oldest farmer's market in Michigan and the Rotary Centennial Steam Clock, a one-of-a-kind attraction that uses steam power to keep time.
Your driving habits could influence your car insurance costs in Lansing, so always consider your options. Looking to compare car insurance quotes in Lansing? The following information should come in handy.
How much is car insurance in Lansing, MI?
Auto insurance costs in Lansing can differ greatly based on the coverage options you choose. To assist you, here are the average costs for the three most frequently chosen types of coverage in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Lansing?
It's a complicated task to assess and classify insurance costs for every imaginable car make, model, and year within the city. However, if you're in the market for newer vehicles that typically feature lower insurance costs, here are the top 10 most cost-effective car makes and models to consider in Lansing:
Rank | Make and Model | Average Monthly Premium |
---|---|---|
1 | Subaru Forester | $210 |
2 | Dodge Grand Caravan | $210 |
3 | Honda Cr-V | $225 |
4 | Ford Fusion | $226 |
5 | Kia Sedona | $228 |
6 | Ford F-150 | $230 |
7 | Chevrolet Silverado | $234 |
8 | Jeep Cherokee | $238 |
9 | Ford Escape | $238 |
10 | Toyota Rav4 | $242 |
Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 |
How do claims and violations impact my total cost?
Minor fender benders, severe accidents, a few speeding tickets, DUI charges, or involvement in a hit-and-run all influence your insurance premiums in the city. Below, find a breakdown illustrating how insurance rates in Lansing can fluctuate based on common claims and violations, ranked from the least to the most impactful:
Violation or Claim | Average Monthly Cost | Price Difference |
---|---|---|
None | $242 | 0% |
Not at-fault Accident | $250 | +3% |
Speeding Ticket | $369 | +52% |
Driving with expired registration | $374 | +55% |
At-fault Accident | $375 | +55% |
Driving with a suspended license | $425 | +76% |
Hit and Run | $505 | +109% |
DUI | $598 | +147% |
What car insurance discounts can I get in Lansing?
A range of discounts is available that can help lower your insurance costs in Lansing. These savings can be accessed through bundling various policies, paying the total premium upfront, selecting paperless billing, and obtaining loyalty renewal discounts. Below, these discount opportunities are listed from the most to least significant, aiding you in reducing your premiums:Potential Discounts | Average Monthly Cost | Monthly Savings |
---|---|---|
Multi-Policy Home | $210 | +$32 |
Multi-Policy Renters | $216 | +$26 |
Paid in Full | $226 | +$16 |
Low Mileage | $236 | +$6 |
Paperless | $241 | +$1 |
Electronic Funds Transfer | $241 | +$1 |
None | $242 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.