Whether you're spending a day at Potter Park Zoo or rushing to your next class at Michigan State University, Lansing is always bustling with activity. As you travel through the city, don't be surprised by the frequent traffic jams. Unfortunately, high traffic is just part of life in the Michigan capital. With so many vehicles on the roads, every driver in Lansing needs a comprehensive car insurance policy.
Finding affordable car insurance in Lansing might seem overwhelming, but our Independent Insurance Agents make the process simple. Instead of calling dozens of agents to gather quotes, you can get all the information you need in one place. Our agents compare quotes from multiple companies and provide an overview of all the options at once so you can find the best Lansing auto insurance policy with less time and less hassle.
Cost of Car Insurance in Michigan
- National Average Cost Per Year: $1,311
- Michigan Average Cost Per Year: $2,476
- #1 Most Expensive Auto Premium in the US
Compared to other states, Michigan's car insurance premiums are quite expensive. The good news is that you can still get a great rate. The key is to compare multiple policies and quotes and create a customized Lansing car insurance policy that will fit within your budget. Your rates will be determined by several important factors. Your age, your recent driving record, and the kind of car you drive will all be considered when you receive a car insurance quote.
Michigan Car Insurance Requirements
- Body Injury Liability: Required
- Property Damage Reliability: Required
- Personal Injury Protection (PIP): Required
- Minimum Liability Limits: 20/40/10
Drivers in Michigan must meet minimum liability requirements according to state law. That means you will need $20,000 in coverage for individual injuries, $40,000 for total persons injured, and $10,000 for property damage. While that seems like it would be adequate coverage, an actual accident could far exceed these minimums. Unfortunately, you will have to pay costs out of pocket if they exceed your liability coverage. The best way to protect yourself is to purchase a Lansing auto insurance policy with as much liability coverage as you can reasonably afford.
Number of Uninsured Motorists in Michigan
- How many US drivers are uninsured: 12.6%
- How many Michigan drivers are uninsured: 21%
There are thousands of insured motorists on the roads in Lansing, so make sure you select a policy with Uninsured Motorist Coverage. If you get in a collision and the other party isn't insured, it can lead to major financial stress. How will you pay for car repairs? How will you pay for medical care? If your auto insurance policy includes Uninsured Motorist Coverage, you have nothing to worry about.
Number of Auto Thefts in Michigan
- National Number of Thefts for 1,000 Vehicles: 2.94
- Number of Thefts for 1,000 Vehicles in Michigan: 3.33
Car theft is a serious problem in Lansing, but you don't have to be a helpless victim. Select a car insurance policy that covers auto theft in Lansing and you will be covered if your car is ever stolen.
Find a Great Lansing Car Insurance Policy
Choosing the best auto insurance policy is easy when you have an Independent Agent on your side. Our experienced agents can walk you through the process of comparing rates and quotes on multiple policies. Then you can choose the option that is best suited for your lifestyle. Our Independent Agents will work with you to create a customized car insurance policy with comprehensive coverage for liability, bodily injury, and theft.
Contact our friendly agents today to learn more about your options and to select a Lansing auto insurance policy that is right for you.