Everything You Need to Know

Find cheap car insurance in Lansing, Michigan, by comparing quotes and avoiding traffic violations. Michigan already has some of the highest insurance rates in the country so comparing rates can save you a lot.

What Is Cheap Car Insurance Lansing Michigan?

Finding cheap car insurance in Lansing, Michigan, may take some work as Michigan is one of the costliest states for auto insurance. Insurance rates also vary, depending on factors like:

• Your age
• Your marital status
• Driving record
• Credit history
• Gender
• Credit score

The average insurance rate in Michigan is double the national average, at a rate of $3096 per year. Lansing, Michigan’s, average insurance rate is $2901 per year, which is slightly lower than the state’s average.

Michigan has some of the highest insurance rates for a few reasons, including:

• They have high insurance limits.
• They have a high rate of fraud.
• They have a high rate of uninsured drivers.
• All drivers must contribute to the MCCA fund which funds accident victims.

Additionally, the recent changes to the PIP laws have further increased Michigan driver’s rates. According to NerdWallet, all drivers must now carry personal injury protection (PIP).

Minimum Insurance Requirements in Michigan

All Michigan drivers must have an insurance policy that includes a minimum of the following:

• $50000 bodily injury liability per person
• $100000 bodily injury liability per accident
• $10000 property damage liability per accident

According to The Zebra, Michigan also recently updated its insurance laws and drivers may now be required to carry additional personal injury protection. The specific amount varies, depending on whether the driver has Medicaid or a qualifying healthcare plan. Personal injury protection, or PIP, refers to an insurance policy that pays for you and your passenger’s damages, regardless of who is at fault.

Best Insurance for High-Risk Drivers in Lansing

Insurance companies will usually consider a driver high-risk if they have numerous traffic violations or an at-fault accident on their record. Drivers with a DWI/DUI in Lansing, Michigan, pay an average rate of $8392. A reckless driving charge can lead to average insurance rates of $8588 per year. An at-fault accident can lead on average, $4569 per year. Even speeding tickets can lead to an average rate of $4772 per year.

One of the easiest ways to save on your insurance rates is to avoid tickets and maintain a good driving record.

Other Factors That Affect Insurance Rates

Your age is also a consideration when calculating insurance rates. Teen drivers will usually pay the highest rates. Drivers in their 50s usually enjoy the cheapest rates. This is how much you can expect to pay by age in Lansing, Michigan:

• Teen drivers: Average annual rate of $8308
• Drivers in their 20s: Average annual rate of $3625
• Drivers in their 30s: Average annual rate of $2895
• Drivers in their 40s: Average annual rate of $2873
• Drivers in their 50s: Average annual rate of $2712
• Drivers in their 60s: Average annual rate of $2759
• Drivers in their 70s: Average annual rate of $3195

While you may not be able to control your age, you can find other ways to save. Avoid speeding tickets or DUIs, which can lead to even higher rates than listed. Teen drivers may find cheaper rates by staying on their parent’s policy longer or taking a defensive driving course. Some insurance providers also offer good student discounts, which can save you a few dollars each month.

Even your marital status and gender can make a difference when it comes to your insurance rates. Married drivers in Lansing, Michigan, can save as much as $34 per year. Additionally, male drivers save, on average, $45 per year.

Some insurance companies may also consider your credit score when calculating insurance rates. Drivers with an exceptional credit score pay, on average, $1941 per year compared to drivers with low credit scores, who pay $9365 per year. Even paying down debt and improving your credit score can lead to insurance savings.

Optional Insurance Coverage to Consider in Michigan

Some drivers may choose to buy additional insurance coverage in Michigan. A few optional policies may include:

• Comprehensive
• Collision
• Limited property damage
• Loan/lease payoff
• Rental car reimbursement
• Roadside assistance
• Uninsured/underinsured motorist bodily injury

If you have a vehicle that is worth a lot, or you have an auto loan, it may be worth considering a full coverage insurance policy.

Cheapest Insurance Providers in Michigan

The cheapest insurance providers in Michigan are usually:

• SafeCo: Average annual rate of $368
• MetLife: Average annual rate of $1337
• USAA: Average annual rate of $1477
• Chubb: Average annual rate of $1704
• MEEMIC: Average annual rate of $2004
• Pioneer State Mutual: Average annual rate of $2149
• Progressive: Average annual rate of $2281
• State Farm: Average annual rate of $3475

This data comes from The Zebra and is based on minimum coverage rates. While considering the price is important, it can also be helpful to consider other factors, like ratings. Here are a few of the top-rated providers in Lansing, Michigan:

• Progressive: Progressive is one of the largest insurance companies in Michigan. In addition to having affordable rates, they also offer policyholders a number of ways to save. They have a usage-based program called Snapshot which can be beneficial if you don’t drive a lot. They are also one of the best providers in Michigan for high-risk drivers, such as those with an at-fault accident or DUI on record.
• USAA: USAA also often has affordable rates. However, it is only available to active military members and their family members.
• Liberty Mutual: Liberty Mutual often has good customer ratings due to its 24/7 customer service availability. They also offer a lifetime warranty on all repairs.
• State Farm: State Farm may be costlier than the other options, but they often have good satisfaction ratings. They also have nontraditional types of insurance, like rideshare and roadside.

When choosing the best provider, it can also be helpful to look at satisfaction ratings. Consider J.D. Power and A.M. Best when evaluating ratings.

Find cheap car insurance in Lansing, Michigan, by comparing a few of the top providers. Consider a few with good ratings and then choose the one that fits within your insurance budget.

Check this out if you need additional information, resources, or guidance on car insurance.

Sources:

Cheap Michigan Car Insurance I thezebra.com

Best Cheap Car Insurance in Michigan for 2021 I NerdWallet.com

Cheap Car Insurance With Tickets: What You Need to Know I Caranddriver.com

Best Car Insurance in Michigan: Everything You Need to Know I Caranddriver.com

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