Car Insurance in Lansing, Michigan – 2024 Rates + Price Comparisons

• The average cost of car insurance in Lansing is 7.9% more than the national average rate of $1,883.
• Monthly auto insurance rates for a few popular models in Lansing include the Mazda CX-5 at $139, Ford F150 at $190, and Subaru Forester at $152.
• Crossover vehicles like the Subaru Crosstrek, Nissan Kicks, Hyundai Venue, and Volkswagen Tiguan are our top picks for having cheap car insurance in Lansing.
• Car insurance quotes in Lansing have significant variability from as little as $27 per month for a liability-only policy to over $691 per month for high-risk drivers.

What is average car insurance cost in Lansing?

Average car insurance rates in Lansing cost $2,038 per year, or about $170 per month. When compared to the national average rate, Lansing car insurance cost is 7.9% more expensive per year.

The average car insurance cost in Michigan is $2,490 per year, so Lansing, MI, drivers pay an average of $452 less per year than the overall Michigan state-wide average rate. The cost of auto insurance in Lansing compared to other Michigan locations is $764 per year less than in Sterling Heights, $136 per year more expensive than in Grand Rapids, and $962 per year less than in Warren.

The next chart shows average auto insurance cost in Lansing for all 2024 models. Rates are averaged for all Lansing Zip Codes and shown for both different driver ages and policy deductibles.

In the chart above, the cost of auto insurance in Lansing ranges from $1,430 per year for a 60-year-old driver with a high deductible policy to $4,770 per year for a 20-year-old driver with low physical damage deductibles. From a monthly budget standpoint, the average cost in the previous chart ranges from $119 to $398 per month.

The age of the driver has the biggest impact on the price you pay for car insurance, so the list below illustrates these differences by breaking down average car insurance rates for young, middle-age, and senior drivers.

Average car insurance rates in Lansing, Michigan, for drivers age 16 to 60

• 16 year old – $7,262 per year or $605 per month
• 17 year old – $7,036 per year or $586 per month
• 18 year old – $6,303 per year or $525 per month
• 19 year old – $5,742 per year or $479 per month
• 20 year old – $4,102 per year or $342 per month
• 30 year old – $2,176 per year or $181 per month
• 40 year old – $2,038 per year or $170 per month
• 50 year old – $1,806 per year or $151 per month
• 60 year old – $1,692 per year or $141 per month

The rates listed above for teenage drivers assumed the gender of the driver was male. The chart below illustrates the average cost to insure teen drivers in Lansing, MI, by gender. Young female drivers tend to have cheaper car insurance rates than their male counterparts.

Auto insurance for a 16-year-old female in Lansing costs an average of $481 less per year than male drivers, while at age 19, the cost is still $888 less per year.

The cost to insure specific vehicles

The previous auto insurance rates in this article take the cost to insure each 2024 vehicle model and average them, which is handy for making broad comparisons such as the average cost difference for different locations or driver risk profiles.

But for more comprehensive car insurance cost comparisons, it makes better sense to instead look at the specific model of vehicle being insured. In the next few article sections, we explore all kinds of rates for different makes and models, but for now, a few of the most popular models will be used to find out how auto insurance rates size up in Lansing.

The next list shows average annual and monthly auto insurance cost in Lansing for some of the more popular cars, trucks, and SUVs. Later in this article, there is a section that covers the cost of insurance for some of these vehicles in much more detail.

Car insurance rates for popular Lansing vehicles

• Mazda CX-5 – $1,786 per year ($149 per month)
• Ford F150 – $2,446 per year ($204 per month)
• Subaru Forester – $1,954 per year ($163 per month)
• Nissan Altima – $2,372 per year ($198 per month)
• Ford Escape – $1,996 per year ($166 per month)
• Honda CR-V – $1,864 per year ($155 per month)
• Honda Civic – $1,936 per year ($161 per month)
• Ford Explorer – $1,985 per year ($165 per month)
• Toyota RAV4 – $2,011 per year ($168 per month)
• Toyota Highlander – $1,993 per year ($166 per month)

The most popular vehicle models in Lansing tend to be small or midsize sedans like the Volkswagen Jetta, Nissan Sentra, and Honda Accord and compact and midsize SUVs like the Chevy Equinox and Chevy Traverse.

Additional popular vehicles from other segments include luxury cars like the BMW 530i, Acura ILX, and Infiniti Q50, luxury SUVs like the Cadillac XT5, BMW X5, and Infiniti QX60, and pickup trucks like the Chevy Silverado, Ram 1500, and Toyota Tacoma.

We get into car insurance rates for many more vehicles coming up in the article, but before we do that, let’s take a condensed look at some of the ideas that we covered in the prior data.

• Car insurance rates fall a lot in your twenties – The average 30-year-old Lansing driver will pay $1,926 less annually than a 20-year-old driver, $2,176 compared to $4,102.
• Auto insurance is generally cheaper the older you are – Rates for a 50-year-old driver in Lansing are $2,296 per year cheaper than for a 20-year-old driver.
• Auto insurance for teenagers is not cheap – Average rates range from $4,854 to $7,262 per year to insure a teenage driver in Lansing, Michigan.
• Teenage females pay lower rates than teenage males – Teenage female drivers age 16 to 19 pay $888 to $481 less annually than males of the same age.
• Average car insurance cost per month ranges from $141 to $605 – That’s the average auto insurance price range for drivers aged 16 to 60 in Lansing.

Which vehicles have cheap insurance in Lansing?

When every make and model is compared, the vehicles with the most affordable auto insurance rates in Lansing, MI, tend to be crossovers and small SUVs like the Subaru Crosstrek, Kia Soul, Nissan Kicks, and Hyundai Venue.

Average insurance quotes for those crossover SUVs cost $148 or less per month for a policy with full coverage.

Some additional models that rank in the top 20 in our auto insurance cost comparison are the Volkswagen Taos, Volkswagen Tiguan, Nissan Murano, and Ford Bronco Sport.

Insurance is a little higher for those models than the compact SUVs at the top of the list, but they still have an average cost of $1,875 or less per year ($156 per month) in Lansing.

The next table details the 20 models with the cheapest car insurance in Lansing, sorted by average cost.

A list of 20 vehicle models with cheap Lansing car insurance is fine if you just want the absolute lowest rates. But considering we track over 700 vehicles, there is a lot of rate data no being shown.

Let’s rethink this, dig deeper, and display the models with the lowest rates in a format that makes more sense. The next six sections rank the vehicles with the most affordable insurance rates in Lansing for the six main vehicle segments.

Cars with the cheapest auto insurance in Lansing

The top-ranked vehicle in Lansing for the lowest-cost average insurance in the non-luxury two and four door car segment is the Toyota GR Corolla, costing $1,772 per year. Second place is the Nissan Leaf at $1,786 per year, and the third cheapest is the Honda Civic, at an average of $1,804 per year.

Also ranking well in our comparison are models like the Honda Accord, Hyundai Ioniq 6, Chevrolet Malibu, and Toyota Prius, with average annual insurance rates of $1,976 per year or less.

As a cost per month, full-coverage car insurance in Lansing on this segment for an average middle-age driver starts at around $148 per month, depending on your location. The next table ranks the twenty cars with the cheapest average car insurance rates in Lansing, starting with the Toyota GR Corolla at $1,772 per year and ending with the Mazda 3 at $2,110 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Is your vehicle not in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Michigan.

SUVs with the best auto insurance rates

For 2024 models, the five cheapest SUVs to insure in Lansing are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Insurance rates for these vehicles range from $1,506 to $1,626 per year.

Also ranking in the top 10 are models like the Buick Envision, Toyota Corolla Cross, Mazda CX-5, and Ford Bronco Sport, with an average cost of $1,670 per year or less.

Full-coverage car insurance in Lansing for this segment for a middle-age safe driver starts at an average of $126 per month, depending on your company and location. The next table ranks the twenty SUVs with the cheapest average car insurance rates in Lansing, starting with the Subaru Crosstrek at $126 per month and ending with the Honda HR-V at $148 per month.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the list? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Lansing car insurance quotes from top-rated car insurance companies in Michigan.

Cheap pickups to insure in Lansing, Michigan

Ranking at the top for the cheapest Lansing car insurance rates in the pickup segment are the Ford Maverick, Ford Ranger, Chevrolet Colorado, Nissan Titan, and Nissan Frontier. Car insurance rates for these vehicles average $165 or less per month.

Not the cheapest, but still in the top 10, are trucks like the Toyota Tacoma, GMC Sierra 2500 HD, GMC Canyon, and Hyundai Santa Cruz, with average rates of $2,098 per year or less.

On a monthly basis, auto insurance rates in Lansing on this segment for an average middle-age driver starts at an average of $146 per month, depending on the company and where you live. The next table ranks the twenty pickups with the lowest-cost average car insurance rates in Lansing, starting with the Chevrolet Colorado at $1,746 per year and ending with the Ram Truck at $2,356 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Need rates for a different pickup model? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Lansing car insurance quotes from top-rated car insurance companies in Michigan.

Cheap sports cars to insure

The four lowest-cost sports cars to insure in Lansing are the Mazda MX-5 Miata at $1,886 per year, Toyota GR86 at $2,148 per year, Ford Mustang at $2,242 per year, and BMW Z4 at $2,254 per year.

Additional models that have cheaper rates are the Nissan Z, BMW M2, Toyota GR Supra, and Subaru BRZ, with an average cost to insure of $2,438 per year or less.

Auto insurance in Lansing for this segment for a safe driver starts at an average of $157 per month, depending on your location.

The next table ranks the sports cars with the most affordable car insurance rates in Lansing, starting with the Mazda MX-5 Miata at $157 per month and ending with the Porsche Taycan at $288 per month.

Don’t see rates for your sports car? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Michigan.

Luxury cars with cheap insurance in Lansing

The four cheapest luxury car models to insure in Lansing are the Acura Integra at $1,812 per year, BMW 330i at $2,074 per year, Mercedes-Benz CLA250 at $2,096 per year, and Lexus IS 300 at $2,102 per year.

Also ranking in the top 10 are cars like the Lexus ES 350, Cadillac CT4, Genesis G70, and Mercedes-Benz AMG CLA35, with average rates of $2,144 per year or less.

Additional vehicles on the list include the Lexus ES 250, Lexus RC 350, Audi S3, and BMW 330e, which average between $2,144 and $2,286 per year for auto insurance in Lansing.

Car insurance in this segment can cost as low as $151 per month, depending on the company. The rate comparison table below ranks the luxury cars with the cheapest car insurance rates in Lansing.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Lansing car insurance quotes from top companies in Michigan.

Cheapest luxury SUVs to insure

The four most affordable luxury SUVs to insure in Lansing are the Acura RDX at $1,704 per year, Lexus NX 250 at $1,806 per year, Cadillac XT4 at $1,840 per year, and Jaguar E-Pace at $1,906 per year.

Also ranking well in our comparison are luxury SUVs like the Lexus UX 250h, Lexus NX 450h, Lexus NX 350h, and Lincoln Corsair, with average annual insurance rates of $1,966 per year or less.

Ranked lower than 10th place, but still in the top 20, SUVs like the Mercedes-Benz GLA35 AMG, Lexus NX 350, Land Rover Evoque, Infiniti QX60, and Acura MDX cost between $1,966 and $2,044 per year for auto insurance in Lansing.

Full-coverage car insurance for this segment in Lansing for a middle-age safe driver starts at an average of $142 per month, depending on the company.

The lowest-cost small luxury SUV to insure in Lansing is the Acura RDX at $1,704 per year. For midsize luxury models, the Jaguar E-Pace has the best rates at $1,906 per year. And for full-size models, the Infiniti QX80 is cheapest to insure at $2,286 per year.

The next table ranks the twenty SUVs with the most affordable auto insurance rates in Lansing, starting with the Acura RDX at $142 per month and ending with the Lexus NX 350 at $170 per month.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see insurance rates for your luxury SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Michigan.

The highs and lows of auto insurance

In order to reinforce the amount car insurance rates can change for different applicants (and also reiterate the importance of getting plenty of rate quotes), the examples below contain a wide range of car insurance rates for three popular vehicles in Lansing: the Ford F150, Honda Civic, and Honda Pilot.

Each example uses different driver and policy risk profiles to show how rates can be very different based on driver and coverage changes.

Ford F150 insurance rates

Car insurance for a Ford F150 in Lansing costs an average of $2,280 per year (about $190 per month) and varies from $1,892 to $5,266.

The Ford F150 is part of the full-size truck segment, and additional similar models include the GMC Sierra, Nissan Titan, Ram Truck, and Toyota Tundra.

Honda Civic insurance rates

Insurance for a Honda Civic in Lansing costs an average of $1,804 per year ($150 per month) and varies from $1,502 to $4,096 per year.

The Honda Civic is part of the compact car segment, and other models popular in Lansing include the Hyundai Elantra, Volkswagen Jetta, Nissan Sentra, and Chevrolet Cruze.

Honda Pilot insurance rates

Honda Pilot insurance in Lansing costs an average of $1,984 per year, or about $165 per month, and ranges from $1,650 to $4,588.

The Honda Pilot is classified as a midsize SUV, and other models in that segment include the Toyota Highlander, Kia Sorento, and Kia Telluride.

How to find cheaper auto insurance in Lansing

Drivers are always searching for ways to reduce the monthly expense for car insurance, so read through the savings tips in this next list and maybe you’ll be able to save a little dough on your next policy.

• Earn policy discounts to save money. Discounted rates may be available if the insured drivers are homeowners, are claim-free, insure multiple vehicles on the same policy, work in certain occupations, or many other policy discounts which could save the average Lansing driver as much as $344 per year on car insurance.
• Buy vehicles that are cheaper to insure. The performance of the vehicle you drive is a big factor in the cost of car insurance. As an example, a Subaru Impreza costs $1,048 less per year to insure in Lansing than a Porsche 911. Lower performance vehicles save money.
• Save by raising your deductibles. Raising your policy deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Avoid filing small claims. Most insurance companies give a discounted rate for not having any claims. Insurance should only be used to protect you from significant financial loss, not small claims that can be paid out-of-pocket.
• Get a discount from your job. Most insurance companies offer policy discounts for certain occupations like accountants, architects, high school and elementary teachers, doctors, lawyers, and others. By earning this discount on your policy you may save between $61 and $198 on your annual insurance bill, depending on your age.
• Safe drivers pay less. Having a few at-fault accidents can really raise rates, possibly up to $2,912 per year for a 20-year-old driver and as much as $850 per year for a 40-year-old driver. So be a cautious driver and save.