For a 40-year-old driver with a clean record, Lansing car insurance averages about $347 a month ($4,163 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Michigan average of $354 a month. Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Lansing table, at about $127 a month.
Lansing’s car insurance prices sit close to the Michigan average: our benchmark driver pays about $347 a month for full coverage in the capital, $7 less than the state average.
Our data covers six Lansing ZIP codes, including 48917 on the Eaton County side. The most expensive is 48906, on the north side, and the least expensive is 48911, on the south side, so check yours before you compare Lansing car insurance costs and quotes.
Cost data comes from the auto rates insurers file with state regulators, priced across all six Lansing ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Lansing averages $4,163 a year, or about $347 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $906 a year ($76 a month), and 50/100/50 liability with comprehensive and collision averages $4,062 ($339 a month).
Hanover is far more expensive than the other insurers here: its full-coverage average of about $773 a month is 3.2 times the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Hanover, the Lansing average would be about $240 a month.
The published 2026 statewide Michigan rate studies we reviewed most often rank GEICO cheapest for full coverage: four of the seven put it first, apart from USAA, which sells only to military families. One puts Progressive first, one Travelers and one Auto-Owners. For liability-only coverage at 20/40/10 limits, Auto-Owners has the lowest average among these five insurers, at about $54 a month, followed by Farm Bureau at $60.
Full-coverage averages by insurer in Lansing
Monthly, for the same driver and car. The AAA Auto Club row in the table isn’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $779 | $65 | $1,803 | $150 |
| Auto-Owners | $642 | $54 | $2,830 | $236 |
| Farm Bureau Insurance of Michigan | $720 | $60 | $3,443 | $287 |
| State Farm | $1,436 | $120 | $3,465 | $289 |
| Hanover | $955 | $80 | $9,273 | $773 |
| AAA Auto Club (Nov. 2025 rates)* | $2,303 | $192 | $4,115 | $343 |
| USAA (military families)* | $379 | $32 | $1,392 | $116 |
| GEICO* | $580 | $48 | $1,519 | $127 |
| Travelers* | $427 | $36 | $1,852 | $154 |
| Lansing average | $906 | $76 | $4,163 | $347 |
This table uses Lansing ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the six Lansing ZIP codes we price, full coverage for our driver ranges from about $325 a month in 48911 to $388 in 48906, a gap of $767 a year. 48917, west of downtown in Eaton County, averages about $332 a month.
Lowest-priced Lansing ZIP codes
Highest-priced Lansing ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Lansing’s average.
| ZIP Code: | Liability Only 20/40/10 (Yearly): | Liability Only 20/40/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 48906 | $983 | $82 | $4,661 | $388 | +12% |
| 48910 | $875 | $73 | $3,992 | $333 | -4% |
| 48911 | $868 | $72 | $3,894 | $325 | -6% |
| 48912 | $907 | $76 | $4,379 | $365 | +5% |
| 48915 | $912 | $76 | $4,069 | $339 | -2% |
| 48917 | $893 | $74 | $3,981 | $332 | -4% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $101 a year on average in our Lansing data, with the same $500 deductibles. That’s about $8 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Lansing ZIP codes, their full-coverage average fell from $5,035 a year nine months earlier to $4,343 in rates as of Aug. 31, 2026, a 13.7% drop. In Lansing, Auto-Owners raised its average 1.6%, while Hanover lowered its average 21.5%, State Farm 4.9% and Progressive 4.8%. Leaving Hanover out, the other three insurers in both sets of rates averaged 2.7% less for full coverage. Farm Bureau is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Lansing average above. AAA Auto Club’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/10 limits fell 20.1%, led by Hanover, which cut its liability-only average 44.0%.
Lansing sits mostly in Ingham County, which averages about $323 a month for full coverage in our data, below the state average. The city costs more than its suburbs: East Lansing averages about $308 a month, Okemos $300 and Holt $293.
Liability-only coverage costs less here than the state average: Lansing averages about $76 a month at 20/40/10 limits, compared with $87 statewide. Michigan law bars insurers from pricing by ZIP code itself, but it lets them group drivers by territory, so neighboring towns can be priced differently.
More Michigan cities and towns are in the Michigan rates by city table, and you can compare states on our car insurance rates by state page.
Battle Creek, about 43 miles southwest, averages $360 a month, and Ann Arbor, about 52 miles southeast, $295. Grand Ledge, just west of Lansing, averages about $294.
Drivers in Lansing follow Michigan’s no-fault rules. Every policy must include:
If you don’t choose a PIP medical level, your policy includes unlimited PIP medical coverage, according to the Michigan Department of Insurance and Financial Services. You can show proof of insurance on your phone, under MCL 257.328. Our Michigan requirements guide covers the PIP choices, the mini-tort rule and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Michigan law and the Michigan Department of Insurance and Financial Services. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Lansing averages about $347 a month ($4,163 a year) and liability-only coverage at 20/40/10 limits about $76 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Michigan average of $354 a month. Without Hanover, the Lansing average is about $240 a month.
Of the insurers anyone can buy from, GEICO has the lowest full-coverage average in our Lansing table, at about $127 a month, followed by Progressive and Travelers, effectively tied at about $150 and $154 a month. USAA, which sells only to military families, is lower still, at about $116 a month. Among the five major insurers we compared, full-coverage averages run from about $150 to $773 a month. Progressive’s Lansing average is 36% below Auto-Owners’ ($236), a lead wide enough that we show the range instead of naming a single cheapest insurer. For liability-only coverage at 20/40/10 limits, Auto-Owners has the lowest average among the five major insurers we compared, at about $54 a month. GEICO’s figure is priced from published 2026 Michigan rate studies and scaled to our benchmark driver. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. East Lansing full coverage averages about $308 a month and Lansing about $347, a difference of about $39 a month for the same driver and car.
In our data, 48911 has the lowest full-coverage average in Lansing, at about $325 a month, and 48906 the highest, at about $388. The ZIP code table on this page lists all six.
In our Lansing data, full coverage (100/300/100 with $500 deductibles) averages about $347 a month and liability-only coverage at 20/40/10 limits about $76, a difference of about $271 a month ($3,257 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Michigan law doesn’t require full coverage, but a lender or leasing company may.
Every policy in Lansing must include personal injury protection, property protection insurance of up to $1 million and bodily injury liability of $250,000 per person and $500,000 per crash, unless you sign a form choosing lower limits of at least $50,000 and $100,000, plus $10,000 in property damage liability for crashes in other states. If you don’t choose a PIP medical level, you get unlimited coverage.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Farm Bureau is new over the past nine months), their Lansing full-coverage average fell 13.7%, from about $5,035 to $4,343 a year. That’s higher than the Lansing average of $4,163 because it leaves out Farm Bureau. Hanover cut its Lansing average 21.5%, State Farm 4.9% and Progressive 4.8%, while Auto-Owners raised its average 1.6%. Liability-only coverage at 20/40/10 limits fell 20.1%.
For our benchmark driver, full coverage in Lansing averages about $347 a month. Nearby, Battle Creek averages about $360, Ann Arbor about $295 and Clinton about $294. Ann Arbor and Clinton are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
