Live in Lansing and own a vehicle? Then you need car insurance. It’s important to make sure the policy you choose is both affordable and has the right coverages. Our partners at ConsumerAffairs researched the best car insurance in Lansing so you’re financially protected after an accident or theft.
Michigan has required the purchase of no-fault car insurance coverage since 1973. At minimum, a policy must have three parts: personal injury protection, property protection insurance and residual liability insurance.
Michigan no-fault coverages
Personal injury protection (PIP)
Covers unlimited medical expenses and limited wages for up to three years
Property protection insurance (PPI)
Pays up to $1 million for damage your car does to someone’s property
Residual liability insurance — bodily injury and property damage (BI/PD)
Pays up to coverage amounts if you are found legally responsible for certain situations; minimum amounts are “20/40/10”:
$20,000 for a person hurt or killed
$40,000 total per accident if several people are hurt or killed
$10,000 for property damage in another state
Lansing residents may also choose to buy extra liability insurance or buy optional coverages like collision insurance or comprehensive insurance, which pays for damages to your car after an accident or compensates you if the vehicle is stolen. Uninsured and underinsured motorists coverage, another option, kicks in if a driver without insurance seriously injures you or a family member.
How much is car insurance in Lansing?
Unfortunately, drivers in Michigan pay some of the highest car insurance premiums in the U.S. Minimum coverage averages around $1,700 per year, several hundred dollars more than the national average but nowhere close to the prices in Detroit. If you decide to purchase full coverage, expect to pay $300-$400 more.
Car insurance companies in Lansing use a number of factors to calculate cost. Your car, driving record and credit score are major determinants. Even where you live in Lansing matters.
Get quotes from multiple companies, and be sure they include all available discounts. You can save money by having car safety features, bundling auto and home insurance, maintaining continuous coverage or raising your deductible.
Progressive is one of the largest auto insurers in the U.S., protecting over 18 million drivers. The company offers multiple coverages, 24/7 service and discounts for safe driving, signing up online and insuring multiple cars. Try the Name Your Price Tool and tell Progressive what you want to pay, and it’ll show you plans that fit. You can also compare rates at different companies and instantly see the best price. Customers appreciate the fast claims process and low rates.
Along with all the coverages Lansing drivers need, Liberty Mutual offers a 12-month rate guarantee, 24/7 customer service and a lifetime promise on all repairs. Customers also can add rental car coverage and towing services and earn benefits like accident forgiveness. The company contributes toward policyholders’ deductibles through the Liberty Mutual Deductible Fund. Reviewers like the discounts and the ease of switching from another insurer.
All types of car owners in Lansing will find a policy from the General, including those with a history of violations or accidents. The company has been protecting drivers across the U.S. for over 50 years with financially stable insurance. Customers get quality claims-handling and access to the brand-new app, which helps set up payments, access ID cards and reach on-demand support. Reviewers like how easy it is to get a quote from The General.
Payne Insurance Agency
Payne Insurance Agency is a family-owned and -operated independent insurance agency in business since 1978. Each customer gets personalized service and quotes from a variety of car insurance companies. Professional agents will help explain coverages and discounts. According to reviews, Payne Insurance Agency is committed to serving its customers, consistently going above and beyond.
Express Insurance is an independent agency specializing in finding affordable policies for high-risk drivers. The company represents multiple top-rated insurers and shops around to find the best deal. Get a quote online or call to speak with a representative, who can explain options for low down payments and easy payment plans. Reviewers with less-than-perfect driving records say Express Insurance delivers relatively cheap coverage.