Lansing, MI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Lansing, MI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Discounts Available on Car Insurance in Lansing, MI
The average cost of car insurance in Lansing, MI, is $1,953. Compared to neighboring cities like Delta charter ($2,789), Holt ($2,782), Delhi charter ($2,784), Edgemont Park ($2,691 ), and others, car drivers can obtain cheap car insurance in Lansing, Michigan. With a bit of research, you can find out your state's minimum coverage requirements. However, the coverage requirement may vary from driver to driver and from one insurer to another. Zimlon has compared quotes from major car insurance companies in Lansing, MI, and prepared a list of auto insurance companies offering car insurance in Lansing, MI.
List of Car Insurance Companies in Lansing, Michigan
Saving on car insurance in Lansing doesn't have to be a hassle. The best way to get the cheapest rates is to compare rates from numerous companies and choose the company that best fits your coverage needs. Refer below to know the cheap car insurance in Lansing, MI.
Car Insurance in Lansing, MI, Based on Age
Car insurance rates in Lansing generally start low, but young drivers can face high auto insurance rates in Lansing, Michigan. In Lansing, teenage drivers face premiums that are more than twice as expensive as those of drivers in their 30s and 40s. For instance, teenagers pay $6,337 for car insurance in Lansing, MI. At the same time, drivers in their 30s and 40s pay $1,933 and $1,860, respectively, for auto insurance in Lansing, MI.
Car Insurance In Lansing, Michigan, Based on the Gender
Gender can significantly impact the auto insurance rates in Lansing, MI. The average car insurance rates for men are higher because men typically drive more miles than women and are generally riskier to insure. They are also more likely to engage in risky driving behavior such as speeding, driving under the influence, using a cellphone while driving, and not buckling up. Male drivers in Lansing pay $2,916.54, whereas female drivers pay $2,871.99 for auto insurance in Lansing, Michigan.
Save Up To $937 on Multi-Car Insurance in Lansing, MI
The average cost of auto insurance in Lansing, MI, is $1,953. Car owners in Lansing can improve savings by comparing multiple quotes and reviews from various auto insurance companies. Below is a list of discounts available to drivers in Lansing.
Car insurance companies provide discounts to car owners who insure multiple cars with the same insurance company. However, discounts on multi-car insurance policies vary according to the make and model of the vehicle. The cost of insuring two vehicles under a multi-car insurance policy in Lansing is $3,437, while the cost of insuring four vehicles under this policy is $6,875. Bundling is another standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. Savings on Multi-Car insurance can range between $461 and $937.
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years, while State Farm offers discounts for drivers who go three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
For instance, post-DUI, the cost of auto insurance in Lansing, can mount up to $3,031 from $4,865. That’s significantly more than the average cost of auto insurance in Lansing. Other driving violations can prove to be very expensive as well. Some of them include driving with an expired license and using a cellphone while driving. The former can lead to an increase of $1,316, while the latter leads to an increase of $478.
Discounts for Students:
Teenagers in Lansing pay $6,337 a year on car insurance. Though they bear the brunt of being inexperienced drivers, insurance companies offer discounts to teenage students with good grades in school. For instance, Allstate offers stellar discounts to smart students based on their grades and proximity to the school (100 miles). Alongside these requirements, the teenage driver must be under the age of 25 and must also complete Allstate’s “teenSMART Driver Education Program.” State Farm’s “Good Student” program offers discounts of up to 25% to teenage students who have good grades. Farmers offers similar discounts to students (with good grades) under the age of 25 as well.
Car insurers across Michigan offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms.
Equipping one’s vehicles with the latest anti-theft devices will help in saving more. A passive disabling device helps save the most on auto insurance in Lansing.
Factors that can influence the cost of car insurance in Lansing, MI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Lansing, MI Auto Insurance Rates
- Lansing, MI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lansing, MI
- Multi Vehicle Insurance Savings in Lansing, MI
- How Credit Score Affects Car Insurance Rates in Lansing, MI
- How DUI Affects Auto Insurance Premiums in Lansing, MI
- Top Auto Insurance Agents Near Lansing, MI
- How Driving Violations Affect Auto Insurance Rates in Lansing, MI
- Lansing, MI Auto Insurance Discounts on Anti Theft Feature
- Lansing, MI Auto Insurance Company Reviews
Lansing, MI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Lansing, MI with that of other cities in and around Lansing.
|Lansing||Delta charter||Holt||Delhi charter||Edgemont Park||Lansing charter|
|Average Insurance Rates||$1,953||$2,789||$2,782||$2,784||$2,691||$2,675|
Lansing, MI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Lansing, MI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Lansing, MI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Lansing, MI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Lansing, MI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Lansing, MI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$469
Savings on 3 Vehicles bundle:$703
Savings on 4 Vehicles bundle:$937
Lansing, MI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lansing, MI.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Lansing, MI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Lansing, MI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Zachary Sabin||State Farm||4750 Central Park Dr Ste D, Okemos, 48864-1968||517-349-3830|
|Darrean Dunn||State Farm||1824 S Pennsylvania Ave Ste B, Lansing, 48910-1891||517-485-4600|
|Frank Mathias||Farmers||22908 Pontiac Trl, South Lyon, 48178||(248) 486-2815|
|Follmer Insurance Services||Liberty Mutual Independent||5058 S OLD US HIGHWAY 23, BRIGHTON, 48114||(810) 224-5115|
|Cliff Hart||Allstate||530 S Maple Rd, Ann Arbor, 48103||(734) 418-0205|
|David Schenk||Allstate||887 S Old US 23, Brighton, 48114||(810) 220-0800|
|Tom Cournay||Allstate||22180 Pontiac Trl Ste B, South Lyon, 48178||(248) 486-2800|
|Akap Dwin Changmaah||Farmers||3715 W Jolly Rd, Lansing, 48911||(517) 253-0218|
|Michael Brewis||State Farm||2185 S Milford Rd, Milford, 48381-3156||248-685-3540|
|Insurance Advisors Inc||None||525 N Main St 525 N Main St , Milford, 48381||None|
|Patrick Lee||Allstate||22180 Pontiac Trl Ste B, South Lyon, 48178||(248) 486-2800|
Lansing, MI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$86||$2,039|
|Driver's Failure In Showing Documents||+$189||$2,142|
|Driving With An Expired Registration||+$201||$2,154|
|Driving At A Considerably Slow Pace||+$424||$2,377|
|Using A Cellphone While Driving||+$447||$2,400|
|Running A Red Light||+$455||$2,408|
|Driving A Vehicle Without The Required Permission||+$607||$2,560|
|Driving With An Expired/Suspended License||+$1,316||$3,269|
Lansing, MI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,875|
|Passive Disabling Device||$1,816|
Latest Auto Insurance Reviews in Lansing, MI | Back to Top
they were very good. they took care of everything in a good time frame. i was happy with them and will keep them
Very good communication. I was actually involved in a car accident (not my fault) and the other drivers insurance was progressive and they were SO great to work with!
The premiums are relatively lower than other companies that I have dealt with. I'm not sure why this, because I have filed claims that went through quickly.
I was able to choose a deductible to get my desired premium. AAA doesn't seem very cheap, but with the discounts provided it can be competitive with other providers.
We have always been able to get exactly the coverage we wanted. We have been able to add coverage for extra vehicles and teen drivers as needed and we like the discounts available.
I've had nothing but good experiences with Grange. They are the only insurance company I've ever had so I get a lot of discounts to drive down my premiums.
My premium is very competitive to other companies. I also get various discounts for being a long-time customer, having no accidents or speed infractions and for bundeling insurance packages.
The interaction I've had with the customer service has been pretty good. I filed a claim and they were there the next day after a hail storm and I got my check within the week. It went really smooth.
The premium of the other insurance companies charge the dubonik for the premium less a service fee.
My car insurance is excellent. I am subscribed to the highest level of car insurance, which has great benefits. I have had to use roadside assistance a few times, and the representatives I have spoken to as well as the roadside service (tire change, battery jumpstart) have all been polite and professional.
I like the accessibility of State Farm when I have an accident or my car is broken down. I can always reach someone for an accident claim, and they get my claim started immediately, treat me with respect, and try to make the process as easy and productive as possible for me.
It's just basic full coverage insurance since I financed my car. Just the bare minimum full coverage available for Florida.