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Get Cheap Car Insurance in Lansing, NY
We monitor insurance prices, helping the average driver in Lansing save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Lansing
The chart below shows the cheapest car insurance company in Lansing for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Lansing Insurer | Monthly Cost |
|---|---|
| Kemper | $79 |
| Plymouth Rock Assurance | $105 |
| Safeco Insurance | $113 |
| Geico | $118 |
Savings for Every Kind of Lansing Driver
Based on our extensive insurance data, we know the average Lansing driver will save about 30% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $639 per year by choosing the right vehicle insurance company. Some Lansing residents are paying out over $2,142 extra every year for auto insurance in Lansing. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lansing, NY Savings / Yr. |
|---|---|
$639 |
|
$407 |
|
$813 |
|
$823 |
|
$2,016 |
|
$675 |
|
$1,075 |
Lansing Car Insurance vs. New York
People living in Lansing pay an average of 11.68% less than the typical driver in the state. The average driver in Lansing can expect to pay about $1,553 per year, or $2,142 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Lansing for most people.
Car Insurance Prices by Lansing Neighborhood
Insurance Prices
Where is insurance cheapest within Lansing?
The map shows insurance prices in and around Lansing, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $394 per year within the city boundaries, with insurance premiums ranging from a high of $2,372 to a low of $1,978. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of Lansing.Pick the Best Car Insurance Company for You in Lansing
The best car insurance provider for most drivers in Lansing
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $639 over the average Lansing car insurance company.
The best car insurance provider for Lansing drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $407 over the competition.
The best car insurance company for Lansing drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $813 better than other car insurance companies.
The best auto insurance for Lansing drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $823 less each year.
The least expensive car insurance company for new and young drivers in Lansing
In Lansing, Progressive costs young drivers $2,016 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lansing
Progressive gave the largest car insurance discounts to married couples, averaging $675 saved each year compared to an average Lansing couple's premiums.
The cheapest car insurance in Lansing for drivers with bad credit
The best Lansing car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lansing
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lansing driver can expect to pay about $183 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Lansing, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Lansing
What Influences the Cost of Car Insurance in Lansing?
On average, car insurance in Lansing is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Lansing is 23 minutes, which is far less than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lansing are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Lansing is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Lansing is $129 per month for minimum coverage and $178 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- North Lansing: Insurance costs 5.37% less
- Myers: Insurance costs 6.07% less
- Ludlowville: Insurance costs 6.40% less
- West Groton: Insurance costs 5.98% less
- Renwick: Insurance costs 7.66% less
- Goodyear Corners: Insurance costs 4.11% less
- West Dryden: Insurance costs 4.39% less
- Groton: Insurance costs 5.42% less
- Groton City: Insurance costs 5.46% less
- Genoa: Insurance costs 4.44% less
Cities with Similar Populations
- Macon: Insurance costs 17.55% less
- Portage: Insurance costs 36.79% less
- Port Deposit: Insurance costs 15.08% less
- Pontoon Beach: Insurance costs 30.07% less
- Pisgah Forest: Insurance costs 43.37% less
- Metamora: Insurance costs 35.53% less
- Marcy: Insurance costs 5.18% more
- Magnolia: Insurance costs 18.81% less
- Madison: Insurance costs 28.24% less
- Potomac Mills: Insurance costs 36.65% less