Lansing Insurance Rates:

Lansing, MI home insurance is approximately $616 to $834, about $51-$69/month. Our extensive research shows customers can save upto $290 by getting multiple quotes

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Lansing Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $40/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1670 sqft Vacation Property Constructed In 1975 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Divorced Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $370/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Bath 2210 sqft Vacation Property Constructed In 1944 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Home Insurance Rate of $260/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $315,000

5 Beds, 5 Bath 4710 sqft Primary Residence Constructed In 1967 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $220/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1490 sqft Vacation Property Constructed In 1970 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Lansing, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
48911 $98,600 $740
48912 $95,700 $730
48906 $93,000 $730
48910 $91,300 $730
48933 $86,700 $730
48915 $83,500 $720
48917 $144,000 $760

Lansing Rates & Quotes Analysis:

Lansing Area Estimated House Insurance
Centennial Way, Bridgeport Dr, Ravenna Trl, Williams Rd, Wildon Way W, Barretta Way, Portman Pl, Heathgate Dr, Ambassador Ave, Wellington Dr$716
Sweetgrass Ln, Millett Hwy, Guinea, Blue Lagoon Dr, I- 69, Brickand Dr, Old Farm Ln, Arbor Vitae Dr, Vernon Dr, Rockingham Dr$735
Hibiscus Ln, Pine Ridge Dr, River Cove Dr, Killarney Ct, Bobsyl Ln, Creekside Dr, Hart Hwy, Thornapple Ln, Jimson Dr, Madonna Dr$776
Chellmar Dr, Truxton Ln, Ballinalee Ln, Echo Ln, W Mt Hope Ave, Westshire St, S Arlington Dr, Barnett Cir, Chubby Dr, Hidden Pond Dr$753
Glen Terra Dr, Vicksburg Dr, Vermillion, Apple Blossom Ln, Cornerstone Dr, Woodlane Dr, W Greenfield Rd, Prestwick Dr, Legend Woods Dr, Newberry Dr$782
Countryside Dr, Royal Cove Dr, Kelly Ln, Yellowstone Ln, Saxon Dr, Courtland Dr, Williamsburg Rd, Westhill Dr, Huckleberry Ln, E Mount Hope Hwy$780
Central Cir, Ryder Rd, Dove Ln, Burt Hwy, Marketplace Blvd, Lanac St, Ellstone Cir, Audrey Ln, Pebble Pl, Doe Pass$772
Centerline Dr, Wild Spirit Dr, Steeplechase Way, Roaring Brook Cir, Gold Fields Dr, Jordan Ct, Bridge Hwy, Old Castle Cir, Ember Glen Pass, Woodbridge Dr$772
Hartland Dr, Bittersweet Ln, Firwood St, Gettysburg Dr, Delta Market Dr, N River Hwy, Pares Rd, E Libbie Dr, Merryman Way, Wheatdale Ln$773
Meade Dr, Seaway Dr, Rockbridge Rd, Municipal Way, Teller Trl, Sandpiper Ln, Dickson Rd, Hearthstone Rd, Coneflower Ct, Granger Dr$774

Insurance rates are influenced by a number of factors including:

  • Year Built: 13,561 Homes (24% of total) built between 1939 or earlier in Lansing are paying home insurance between $1,552-$1,563 compared to Lansing charter (+$23), Edgemont Park (+$21), Waverly (+$80), Morrice (-$10) and Bancroft (-$16).
  • Bedrooms: 19,051 2 bedrooms homes (34% of total homes ) in Lansing are paying about $704. Areas near to Lansing such as Lansing charter, Edgemont Park, Waverly are costlier by $12, $3, $28 respectively whereas Potterville and Bancroft are more economical by $3, $7 respectively for similar homes.
  • Auto Insurance Bundling: 4,143 Households (15% of all households) in Lansing have 3 or more vehicles available and when it is bundled with home insurance you can save $181. Discounts for similar bundling in close by locations such as Lansing charter, Edgemont Park, Waverly come to $184, $184, $190 respectively.
  • Senior Discounts: 11,918 seniors (more than 55 years) occupied housing units (45% of total) in Lansing get discounts between $108 to $110. The comparative concessions in proximate regions such as Lansing charter, Waverly and East Lansing are $110, $114 and $117 respectively.
  • New Homes discounts: New homes such as the 15,011 homes built between 2000 to 2009 in Lansing can save $145 and similar new home insurance discounts in nearby towns and cities like Lansing charter, Edgemont Park and Waverly are $147, $147 and $152 respectively.

Lansing Homeowners insurance Facts

  • Lansing, MI has 26,442 owner occupied houses which is 54.9% of all units whereas Lansing charter, Edgemont Park and Waverly have 47.15%, 65.45% and 56.29% respectively.
  • Lansing, MI homeowners yearly insurance price at $725 is 0.81% of the typical house value of $90,000 which is in contrast with 0.67% in Lansing charter, 0.68% at Edgemont Park & 0.51% in Waverly.
  • Homeowners in Lansing, MI pay 0.97% of their income ($75,000 or more) in insurance whereas homeowners in Lansing charter, Edgemont Park and Waverly pay 0.98%, 0.98% and 1.02% respectively.
  • Lansing, MI’s insurance is 5.5% of monthly housing costs of $1,091/month, for owners with a mortgage compared to 5.31% in Lansing charter, 5.2% at Edgemont Park & 4.41% in Waverly. But, for households without a mortgage, insurance is 13.6% of costs ($446 in Lansing, MI) in contrast with 13.79% in Lansing charter, 13.22% at Edgemont Park & 12.03% in Waverly.

Lansing, MI Home Values & Insurance rates

For example, insurance for 2,962 Homes (11.0% of total homes ) valued between $80,000 to $89,999 in Lansing, MI is about $681. Rates in nearby areas in such as Lansing charter, Edgemont Park, Waverly are cheaper by $121, $107, $247 respectively while Morrice and Lyons are costlier by $41 and $6 respectively for similar homes.

Lansing, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,006 15.0% $195
$50,000 to $59,999 1,398 5.0% $420
$60,000 to $69,999 2,393 9.0% $522
$70,000 to $79,999 2,460 9.0% $601
$80,000 to $89,999 2,962 11.0% $681
$90,000 to $99,999 2,850 10.0% $761
$100,000 to $124,999 4,801 18.0% $884
$125,000 to $149,999 2,608 9.0% $1102
$150,000 to $174,999 1,328 5.0% $1305
$175,000 to $199,999 746 2.0% $1508
$200,000 to $249,999 426 1.0% $1812

Renters Insurance in Lansing

  • Average Renters Insurance in Lansing :  $244($20/month)

  • Median Gross Rent in Lansing :  $701

  • Lansing Renters Insurance to Median Rent Ratio:  2.85%

  • Renter occupied housing units in Lansing :  21,765

Lansing Renters Insurance as a Percentage of Rent

Lansing Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 647 3.0% $361
$200 to $299 856 4.0% $811
$300 to $499 2,247 10.0% $1261
$500 to $749 8,485 40.0% $1936
$750 to $999 5,449 25.0% $2686
$1,000 to $1,499 3,016 14.0% $3811
$1,500 or more 403 1.0% $5461

Rent Affordability in Lansing:

Approximately 52.0% (11,510) of households are spending more than 35% of their income on gross rent in Lansing

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,027 9.0%
15.0 to 19.9 percent 1,822 8.0%
20.0 to 24.9 percent 2,396 11.0%
25.0 to 29.9 percent 1,959 9.0%
30.0 to 34.9 percent 2,051 9.0%
35.0 percent or more 11,510 52.0%

Lansing Renters Insurance Discounts:

Lansing Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Lansing, MI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 11,173 51.0% $24.4
2 vehicles available 4,665 21.0% $36.6
3 or more vehicles available 929 4.0% $48.8

Lansing Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,222 5.0% $70
60 to 64 years 980 4.0% $56
65 to 74 years 1,124 5.0% $45
75 years and over 819 3.0% $35

Protective device discount in Lansing Up to :  $36

Claims-free discount in Lansing Up to :  $48