Car Insurance in East Lansing, Michigan

The average cost of minimum coverage car indemnity in East Lansing, Michigan, is $ 1,799 per year for adult drivers, or $ 3,763 for 18-year-olds .
however, there are calm 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 distribution drivers thousands of dollars each year .
Insurers set their rates differently for every driver, so we constantly recommend comparing quotes to find the best price for you .

Cheapest auto insurance in East Lansing: Progressive

The cheapest choice for minimum coverage car indemnity 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 insurance company we found overall. It offered us an average price of just $ 490 per year for minimal coverage. however, entirely people who have served in the military and direct dependents ( i.e., spouse or child ) of person who ‘s had USAA indemnity can buy a policy. This limited handiness prevents us from making it our top recommendation .
Cheapest car insurance companies in East Lansing, Michigan.

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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 about $ 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

In summation to basic liability protective covering, full coverage besides 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.

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Cheap car insurance for drivers with prior incidents

car indemnity companies look at your driving history when setting your rates. Insurers have found that drivers who have recently been involved in a drive incident, like an at-fault crash or speeding slate, are more probable to make a claim — and insurers charge those drivers more as a result .
If you have a drive incidental on your record, shopping around for the best rates is evening more authoritative since there ‘s typically an even bigger remainder in price among insurers. We found the cheapest insurance company for drivers who have :

Cheapest car insurance in East Lansing after an accident: Progressive

For drivers who ‘ve recently been at demerit in an accident, we recommend Progressive. Its pace of $ 1,563 per year for full coverage after a crash is 71 % cheaper than the median pace we found in East Lansing. insurance companies have found that drivers who were creditworthy for a crash recently are more likely to be in another crash, and they raise rates consequently .
AAA and Allstate both gave our sample driver quotes that exceeded $ 10,000 per class — a shockingly high price, particularly compared to more low-cost 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

Cheapest car insurance for people with a speeding ticket: Progressive

Drivers with one late speeding ticket may find the best prices at Progressive, which offered a sample pace 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

Cheapest car insurance for drivers with a DUI: Progressive

Driving under the influence is among the most serious drive infractions, and your indemnity rates are probably 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 class after being convicted .
however, Progressive has much more low-cost 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 median 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

Cheapest car insurance for young drivers: Auto-Owners

Younger drivers about always pay more for car policy than older drivers. They have less experience behind the bicycle and may not have the best judgment while driving. We found an median price of $ 3,763 for a year of minimum coverage policy for an 18-year-old. That ‘s approximately twice adenine much as for a 30-year-old driver .
Younger drivers may find a great pace at Auto-Owners. A sample driver got a quote for good $ 1,781 per year ; that ‘s 53 % less than the average overall and $ 738 cheaper than the second-best choice .

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

Best auto insurance companies in East Lansing, Michigan

Finding an insurance company that you can depend on is good arsenic authoritative 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 home review of car insurance customers, particularly when it comes to well-rated claims service .
For a full psychoanalysis of the best-rated Michigan car insurers, take a attend at our page on Michigan car insurance .

Average car insurance cost in East Lansing, by neighborhood

The cost of cable car indemnity can vary by localization, even within a given city. For exemplar, you might pay more for indemnity if there ‘s a high rate of car larceny in your neighborhood or if the streets in the area where you live are ailing 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

cable car larceny rates are quite high in East Lansing. About 3.4 cars are stolen per 1,000 people per annum. 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 lone 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

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 follow 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 psychoanalysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for relative purposes only. Your own quotes may be different .
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