Car Insurance in East Lansing, Michigan
Car Insurance in East Lansing, Michigan
The average cost of minimum coverage car insurance in East Lansing, Michigan, is $1,799 per year for adult drivers, or $3,763 for 18-year-olds.
However, there are still great deals from some insurers: We found that Progressive has the best prices for older adults, and Auto-Owners has the best rates for younger drivers. These insurers offered us sample quotes that are 50%-70% cheaper than the average rate, saving our sample drivers thousands of dollars each year.
Insurers set their rates differently for every driver, so we always recommend comparing quotes to find the best price for you.
Find Cheap Auto Insurance Quotes in Your Area
Cheapest auto insurance in East Lansing: Progressive
The cheapest option for minimum coverage car insurance for most drivers in East Lansing is Progressive. It offered our sample driver an average quote of $779 per year. That's 57% cheaper than the average price overall.
USAA is actually the cheapest insurer we found overall. It offered us an average price of just $490 per year for minimum coverage. However, only people who have served in the military and direct dependents (i.e., spouse or child) of someone who's had USAA insurance can buy a policy. This limited availability prevents us from making it our top recommendation.
Find Cheap Auto Insurance Quotes in Your Area
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $779 |
| 2 | Auto-Owners | $914 |
| 3 | Frankenmuth Insurance | $986 |
| 4 | Hanover | $1,775 |
| 5 | State Farm | $2,045 |
| 6 | AAA | $3,117 |
| 7 | Allstate | $4,285 |
| N/A* | USAA | $490 |
*USAA is only available to current and former military members and their families.
Cheapest full coverage car insurance in East Lansing: Progressive
Progressive offered us the best rate for full coverage car insurance, at just $1,226 per year. That's 66% less than the city average and nearly $900 less than the second-cheapest option, Frankenmuth Insurance.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,226 |
| 2 | Frankenmuth | $2,064 |
| 3 | Auto-Owners | $2,125 |
| 4 | State Farm | $3,219 |
| 5 | Hanover | $5,006 |
| 6 | AAA | $5,137 |
| 7 | Allstate | $8,670 |
| N/A* | USAA | $1,317 |
*USAA is only available to current and former military members and their families.
In addition to basic liability protection, full coverage also includes the following:
- Comprehensive coverage: Pays for damage to your car from everything besides a collision. Includes theft, vandalism, hail and animal damage, among others.
- Collision coverage: Pays for damage to your own car sustained in a crash. Collision coverage will pay regardless of whether or not you were at fault.
Cheap car insurance for drivers with prior incidents
Car insurance companies look at your driving history when setting your rates. Insurers have found that drivers who have recently been involved in a driving incident, like an at-fault crash or speeding ticket, are more likely to make a claim — and insurers charge those drivers more as a result.
If you have a driving incident on your record, shopping around for the best rates is even more important since there's typically an even bigger difference in price among insurers. We found the cheapest insurer for drivers who have:
Cheapest car insurance in East Lansing after an accident: Progressive
For drivers who've recently been at fault in an accident, we recommend Progressive. Its rate of $1,563 per year for full coverage after a crash is 71% cheaper than the average rate we found in East Lansing.
Insurance companies have found that drivers who were responsible for a crash recently are more likely to be in another crash, and they raise rates accordingly.
AAA and Allstate both gave our sample driver quotes that exceeded $10,000 per year — a shockingly high price, especially compared to more affordable options like Progressive and USAA.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,563 |
| 2 | Auto-Owners | $2,445 |
| 3 | Frankenmuth | $2,725 |
| 4 | State Farm | $3,865 |
| 5 | Hanover | $7,896 |
| 6 | AAA | $10,780 |
| 7 | Allstate | $12,402 |
| N/A* | USAA | $1,797 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for people with a speeding ticket: Progressive
Drivers with one recent speeding ticket may find the best prices at Progressive, which offered a sample rate of $1,527 per year for full coverage.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,527 |
| 2 | Frankenmuth | $2,288 |
| 3 | Auto-Owners | $2,445 |
| 4 | State Farm | $4,188 |
| 5 | Hanover | $6,888 |
| 6 | Allstate | $9,440 |
| 7 | AAA | $10,780 |
| N/A* | USAA | $1,640 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: Progressive
Driving under the influence is among the most serious driving infractions, and your insurance rates are likely to increase substantially if you're convicted. We found that a typical driver in East Lansing can expect to pay a shocking $11,703 per year after being convicted.
However, Progressive has much more affordable rates than competing insurers. We found that drivers can expect to pay just $1,430 for a year of full coverage after a DUI. That's 88% cheaper than the average price citywide.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,430 |
| 2 | Auto-Owners | $4,909 |
| 3 | State Farm | $8,388 |
| 4 | Frankenmuth | $9,414 |
| 5 | Hanover | $9,538 |
| 6 | AAA | $17,723 |
| 7 | Allstate | $39,960 |
| N/A* | USAA | $2,260 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers: Auto-Owners
Younger drivers almost always pay more for car insurance than older drivers. They have less experience behind the wheel and may not have the best judgment while driving. We found an average price of $3,763 for a year of minimum coverage insurance for an 18-year-old. That's about twice as much as for a 30-year-old driver.
Younger drivers may find a great rate at Auto-Owners. A sample driver got a quote for just $1,781 per year; that's 53% less than the average overall and $738 cheaper than the second-best option.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Auto-Owners | $1,781 |
| 2 | Progressive | $2,519 |
| 3 | Frankenmuth | $2,807 |
| 4 | Hanover | $4,007 |
| 5 | AAA | $5,173 |
| 6 | State Farm | $5,395 |
| 7 | Allstate | $7,635 |
| N/A* | USAA | $787 |
*USAA is only available to current and former military members and their families.
Best auto insurance companies in East Lansing, Michigan
Finding an insurer that you can depend on is just as important as finding one that's a great deal. With that in mind, we recommend Auto-Owners, USAA and State Farm as the three best-rated insurance companies for East Lansing residents. These companies performed very well in our national survey of auto insurance customers, particularly when it comes to well-rated claims service.
For a full analysis of the best-rated Michigan auto insurers, take a look at our page on Michigan car insurance.
Average car insurance cost in East Lansing, by neighborhood
The cost of car insurance can vary by location, even within a given city. For example, you might pay more for insurance if there's a high rate of auto theft in your neighborhood or if the streets in the area where you live are poorly maintained.
ZIP code | Full coverage | Minimum coverage |
|---|---|---|
| 48823 | $3,563 | $1,811 |
| 48824 | $3,593 | $1,828 |
| 48825 | $3,663 | $1,745 |
Auto theft statistics in East Lansing
Car theft rates are quite high in East Lansing. About 3.4 cars are stolen per 1,000 people annually. That's 48% higher than the statewide average of 2.3 thefts per 1,000 people. When compared to major Michigan cities, East Lansing is second only to Detroit. Slightly more cars are stolen in East Lansing than in neighboring Lansing.
City | Population | Motor vehicle theft | Motor vehicle theft per 1,000 people |
|---|---|---|---|
| Detroit | 663,502 | 6,886 | 10.4 |
| East Lansing | 47,913 | 164 | 3.4 |
| Lansing | 118,953 | 367 | 3.1 |
| Dearborn | 93,902 | 266 | 2.8 |
| Warren | 134,653 | 356 | 2.6 |
| Grand Rapids | 201,799 | 501 | 2.5 |
| Flint | 95,212 | 207 | 2.2 |
| Clinton Township | 101,308 | 156 | 1.5 |
| Livonia | 93,644 | 112 | 1.2 |
| Ann Arbor | 122,893 | 138 | 1.1 |
| Sterling Heights | 133,377 | 96 | 0.7 |
Motor vehicle theft data was pulled from the FBI 2019 Michigan crime report.
Methodology
We collected data from eight of the largest insurers in Michigan. Our sample driver was a 30-year-old man who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver received rates for a full coverage policy.
We used the following limits for minimum and full coverage policies:
Coverage | State minimum | Full coverage |
|---|---|---|
| Property protection | up to $1,000,000 | up to $1,000,000 |
| Residual bodily injury and property damage liability (BI/PD) | $50,000 per injury, $100,000 per accident | $50,000 per injury, $100,000 per accident |
| Personal injury protection (PIP) | $250,000 for people with qualified health coverage | $250,000 for people with qualified health coverage |
| Collision coverage | — | Included/$500 deductible |
| Comprehensive coverage | — | Included/$500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Source:
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.