Auto Insurance in Flint, MI
As of July 2020, auto insurance providers can no longer use your gender, credit score, marital status, education level, or ZIP code when calculating your auto insurance rates. We’ll cover how to find low rates in our review.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Nov 27, 2023
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- Flint, MI auto insurance costs are some of the highest in the nation, reaching $1,352 per month or $16,235 annually on average
- The minimum requirements for auto insurance in Flint, MI is 20/40/10
- As of July 2020, new laws went into effect in Michigan which will lead to lower overall rates across the state
- As of July 2020, your credit history, gender, ZIP code, and marital status won’t affect your auto insurance in Flint, Michigan
If you are looking for Flint, MI auto insurance, you’re in the right place. On average, drivers in your city pay $1,352 per month or $16,235. Those are some of the highest rates in the nation. However, cheap auto insurance doesn’t have to be hard to find.
Read through our complete guide to learn what goes into calculating your Flint, MI auto insurance rates, and how you can minimize your costs. We’ll even cover how the new July 2020 auto insurance laws in Michigan can help you lower your rates.
Michigan auto insurance lists its minimum liability coverage as 20/40/10. Drivers who want to compare auto insurance in Flint, MI can find competitive rates from multiple companies. Nationwide, Farm Bureau, Allied, Hanover, and Liberty Mutual rank among the best Flint, MI auto insurance companies.
Are you looking for cheap auto insurance in Flint, MI? Find affordable PLPD insurance in Flint, Michigan, or any other coverage, by the top providers right now by entering your ZIP code in the FREE comparison tool above.
How much is Flint, Michigan auto insurance on average?
We won’t keep you in suspense on how much you’ll pay for auto insurance in Flint, Michigan. In the table below, check out the average cost of Flint auto insurance by company.
| Companies | Average Annual Rates for a Married 60-Year-Old-Female | Average Annual Rates for a Married 60-Year-Old-Male | Average Annual Rates for a Married 35-Year-Old-Female | Average Annual Rates for a Married 35-Year-Old-Male | Average Annual Rates for a Single 25-Year-Old-Female | Average Annual Rates for a Single 25-Year-Old-Male | Average Annual Rates for a Single 17-Year-Old-Female | Average Annual Rates for a Single 17-Year-Old-Male | Average Annual Rates |
|---|---|---|---|---|---|---|---|---|---|
| USAA | $3,202.18 | $2,980.83 | $3,398.92 | $3,161.30 | $4,112.52 | $3,865.24 | $8,391.00 | $7,825.19 | $4,617.15 |
| Progressive | $3,029.38 | $3,382.35 | $3,429.15 | $3,174.86 | $4,000.08 | $3,689.12 | $12,931.37 | $13,815.73 | $5,931.51 |
| Geico | $5,600.44 | $5,600.44 | $5,479.30 | $5,479.30 | $5,228.64 | $5,228.64 | $15,068.46 | $15,068.46 | $7,844.21 |
| Nationwide | $5,835.83 | $5,835.83 | $6,595.96 | $6,595.96 | $7,274.26 | $7,274.26 | $18,108.20 | $18,108.20 | $9,453.56 |
| Travelers | $8,148.68 | $8,148.68 | $9,527.25 | $9,527.25 | $10,365.71 | $10,365.71 | $29,087.03 | $29,087.03 | $14,282.17 |
| State Farm | $11,079.02 | $11,079.02 | $11,836.82 | $11,836.82 | $13,929.54 | $13,929.54 | $42,846.76 | $42,846.76 | $19,923.04 |
| Farmers | $14,394.38 | $14,394.38 | $15,560.50 | $15,560.50 | $17,631.34 | $17,631.34 | $34,414.92 | $34,414.92 | $20,500.29 |
| Liberty Mutual | $22,577.08 | $22,577.08 | $22,797.85 | $22,797.85 | $22,797.85 | $22,797.85 | $52,934.25 | $52,934.25 | $30,276.76 |
| Allstate | $23,347.48 | $23,347.48 | $24,899.29 | $24,899.29 | $26,168.26 | $26,168.26 | $58,758.60 | $58,758.60 | $33,293.41 |
Flint’s current average auto insurance rate is a staggering $1,352 per month or $16,235 annually. That is much more than the national average. As you can see, your age and the company you choose heavily influence your individual premiums.
There are many reasons why Flint’s auto insurance is more expensive. One main reason has to do with older Michigan auto insurance laws that were changed in July of 2020. As time goes on, rates in Michigan will start to look very different.
Read on to learn how you can take advantage of the new state laws and lower your average auto insurance rate in Flint, Michigan.
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Auto Insurance Coverage Requirements in Michigan
Auto insurance is legally required in 49 states, and Michigan is no exception. In fact, Michigan law requires drivers to carry some of the largest limits in the country. On average, Michigan drivers pay $1,352 per month and $16,235 annually for insurance.
If that seems high to you, you’re not wrong. Unsurprisingly, Michigan has long been labeled as one of the most expensive states in the nation for auto insurance. However, as of July 2020, a new law was implemented that allows Michigan drivers to forgo or lower your level of personal injury protection insurance.
The bipartisan law will help lower the average auto insurance rates for all Michigan drivers over time, including those living in Flint.
Take a look at the following table to learn the current minimum level of auto insurance you’re required to purchase in Flint, MI.
| Auto Insurance Coverage Types | Minimum Coverage Requirements | Most Common Coverage |
|---|---|---|
| Bodily Injury Liability | 20,000/40,000 | 100,000/300,000 |
| Property Damage Liability | 10,000 | 100,000 |
| Uninsured Motorist Bodily Injury | Not required | 20,000/40,000 |
| Medical Payments | Not required | 5,000 |
| Collision | Not required | 500 deductible |
| Comprehensive | Not required | 100 deductible |
As you can see, PLPD insurance in Michigan, or liability insurance, is required by the state.
If you are still financing your vehicle, your bank lender may require that you add comprehensive and collision auto insurance coverage to your policy. Otherwise, all additional coverage forms, including medical payments, uninsured or underinsured motorist coverage, and now even personal injury protection are optional.
Watch the following video for more information about what this new auto insurance law means for Michigan drivers.
You might have caught that insurance providers are no longer allowed to use many major factors when determining your rates. As of July 2020, Michigan has banned insurance providers from using the following non-driving information:
- Gender
- Marital status
- Credit score
- Education level
- Occupation
- ZIP code
- Homeownership
Keep reading to learn what insurance providers will use, and what you can do to truly take advantage of the new auto insurance requirements.
Major Auto Insurance Factors in Flint, Michigan
Now that you know the laws for your state, let’s discuss what major factors influence your premiums, and what you can do to secure your cheapest auto insurance rates.
Michigan providers now focus on your driver-specific information when calculating your rates. This includes your driving record, level of experience on the road, and the type of vehicle make and model you use.
In the graph below, you can compare monthly auto insurance rates by company in Flint, MI.
Based on the data above, it looks as though Nationwide auto insurance and Farm Bureau are vying for the lowest premiums in the state. But keep in mind there are other factors to consider, also.
How good is their customer service record? Are they available if you need to file a claim during non-business hours? How high will your monthly rate spike if you get a ticket? All of these questions can change what is and is not affordable based on your circumstances.
Auto insurance providers evaluate only a few driving factors when establishing Flint, MI auto insurance quotes, such as your driving record, and the type of vehicle you drive. Additionally, premiums vary among Flint, MI auto insurance companies.
To help you ensure you’re still getting your most affordable car insurance in Flint, MI, compare quotes from multiple companies.
In the auto insurance world, this is known as comparison shopping. In our expert opinion, comparison shopping is essential.
Remember, when your auto insurance company prepares to write your insurance plan, several specifications are considered. However, Michigan recently banned using non-driving factors as a means for calculating auto insurance rates.
This is great news for you, as it ensures your premiums are fair and accurate. Follow along to learn what still will impact your rates as a Flint resident, and to learn what no longer applies.
What ZIP codes have the cheapest auto insurance rates in Flint, Michigan?
Insurance companies care about where you park your car at night. If the city you live in has higher crime rates or a very dense population, it increases your risk of getting into an accident or having your car stolen. To mitigate that risk, insurance providers will charge higher rates.
According to DataUSA, the population of Flint, MI is 97,161 and there are 7 total ZIP codes in the city. However, as of July 2020, providers in Michigan can no longer charge you different rates based on your ZIP code.
But how do Flint rates compare to other major cities in Michigan? Find out by comparing monthly rates by city in the graph below.
Flint and Warren residents pay similar amounts for auto insurance. However, both cities pay much less than those who live in Detroit. This is largely due to population densities and fatal crash statistics.
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Automotive Accidents in Flint, Michigan and Your Auto Insurance Rates
Any city with a high rate of auto accidents is likely to be more expensive to drive in. Flint accident rates are a little high, but not necessarily the highest in the country per capita.
See details about the Flint fatal crash statistics in the graph below.
Safe driving not only saves lives, but it can also save you money on your auto insurance premiums. If your driving record is accident-free, you might want to ask about a safe driver or a defensive driving course discount.
Auto Thefts in Flint, Michigan and Your Auto Insurance Rates
Even in modest cities or non-urban towns, car theft can still be an issue. To make it a lesser dilemma for you, consider purchasing comprehensive auto insurance coverage.
Comprehensive policies protect your vehicle from weather damage, damage from animals, flood or fire damage, acts of vandalism, and even vehicle theft.
You might also consider putting in a passive anti-theft system on your motor vehicle. Your auto insurance company could compensate you with discounts.
According to City-Data, the vehicle theft rate in Flint, MI dropped substantially from 770 in 2011 to only 459 in 2012. That number has stayed low ever since.
How much will a comprehensive policy cost you in Flint compared to a basic policy? Find out in the graph below.
Despite the recent decline, theft rates are still a little high in your city compared to other metropolitan regions with the same population size.
Of all of the different types of auto insurance coverage, remember that comprehensive auto coverage is the only policy addition that can protect you from theft.
Best Auto Insurance for Credit History Rates in Flint, Michigan
According to the Department of Insurance and Financial Services in Michigan, car insurance companies in Flint, MI can no longer use your credit score to determine what you will pay for car insurance.
However, before this law passed, your credit score majorly impacted your auto insurance rates in Flint. See what we mean in the graph below.
As you can see, having poor credit used to double if not triple your auto insurance premiums in Flint, Michigan. However, this is no longer allowed.
If you have poor credit and live in Flint, you should reapply for auto insurance to secure lower rates. With the new laws in place, your rates will lower substantially.
Enter your ZIP code below to compare auto insurance rates.
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Does age affect my auto insurance rates in Flint, Michigan?
Did you know that some companies will charge teenage drivers up to 300% more for insurance than someone twice their age? It all has to do with their overall lack of driving experience.
Because of their inexperience, they are much more likely to get into an accident than older drivers. Providers can still use your age as a determining factor because, statistically, car accidents are the leading cause of death for teenagers. Therefore, there is a proven correlation between your age and your driving experience.
See how much a 17-year-old living in Flint will pay for auto insurance each month compared to a 34-year-old in the graph below.
If you’re a young driver living in Flint, Michigan, ask about good student discounts or safe driver discounts to lower your overall rates. You can even take an optional driving course for more potential savings.
Best Auto Insurance for Driving Record Rates in Flint, Michigan
A speeding ticket here or a fender-bender there doesn’t necessarily make you a bad driver, but it can significantly raise your rates.
In fact, in Michigan, your driving record is arguably the most important factor when it comes to determining what you’ll pay for auto insurance.
See how just one traffic violation can affect your monthly rates in Flint, MI in the graph below.
If you only have a minor offense or two on your record, ask your insurance agent about an accident forgiveness program. You could end up saving a lot of money if you are eligible.
Your Vehicle Make and Model and Your Flint, Michigan Auto Insurance Rates
The type of car you drive can heavily impact what you end up paying for auto insurance. Some vehicles are more likely to get stolen than others.
Similarly, if you drive a luxury car that is very expensive to replace and repair, your rates will be much higher than for someone who drives an economy sedan.
Take a look at the graph below, which compares rates for a basic four-door car to a luxury vehicle.
Another reason why fancy cars cost more to insure is because of how much coverage the owners choose to purchase. Many drivers of classic or luxury vehicles purchase full coverage auto insurance policies to ensure that their assets are totally protected.
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Minor Auto Insurance Factors in Flint, Michigan
We’ve discussed the major factors that impact your auto insurance rates in Flint, MI. Now, let’s look at some minor factors that sometimes come into play.
Keep reading to learn more.
Your Marital Status and Your Flint, Michigan Auto Insurance Rates
As of July 2020, your marital status can no longer be used to determine your auto insurance rates in Michigan.
However, if you and your spouse both own vehicles, you can put them under the same policy and qualify for multi-car discounts.
You can also bundle additional policies, such as homeowner’s insurance, through the same provider for more opportunities for savings.
Your Gender and Your Flint, Michigan Auto Insurance Rates
While many states still allow insurance providers to use gender as a means for determining your auto insurance rates, Michigan recently banned the practice.
Your gender will no longer influence what you pay for auto insurance if you live in Flint, Michigan.
Your Commute Length and Your Flint, Michigan Auto Insurance Rates
If you drive more than average, especially during heavily-trafficked times of day like rush hour, it can cause your insurance premiums to go up.
An average work commute in Flint lasts around 22 minutes. That’s less than the national average of 25 minutes. Just about 77 percent of motorists drive their own automobile to work each day, while another 11 percent choose to carpool.
Do you think you’ll pay higher Flint, MI auto insurance rates for driving more miles each year? Or for driving for pleasure instead of commuting to work/school?
Fortunately, the truth is that usually business vehicles see a significant rate hike of about ten to 12 percent per month, but private passenger policies only increase by a few dollars annually.
Your Coverage and Deductibles and Your Flint, Michigan Auto Insurance Rates
If you are interested in purchasing a full coverage policy but are on a tight budget, consider increasing your deductibles. Both collision and comprehensive insurance coverages have deductibles associated with them.
The deductible is the amount you pay out of pocket before your insurance provider steps in. It will be more expensive to file a claim if the worst happens, but it will lower your monthly bill.
Just be careful not to make your deductible too high, making the added coverage not worth your while.
Your Education Level and Your Flint, Michigan Auto Insurance Rates
Companies in Michigan can no longer use your education level as a determining factor for your auto insurance rates. However, there are many wonderful colleges and universities located within the city limits.
In Flint, nearly one-third of the residents have a high school diploma or an equivalent thereof. One-quarter have not yet completed their high school education.
The University of Michigan has a satellite campus in Flint, as does Central Michigan University. Kettering University, a famous engineering school, formerly known as the General Motors Institute, is also located in Flint. If you’re looking for the fast-track to your higher education, you can also look into Mott Community College.
If you’re a student and you have a B average, ask about good student discounts.
How We Conducted Our Flint, Michigan Auto Insurance Analysis
We calculated our average rate based on a married 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and who owns his own home.
The miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
You are now an expert on securing affordable Flint, MI auto insurance. If you’re a Michigan resident, it is the perfect time to secure more affordable auto insurance. Take what you’ve learned and start comparison shopping to find your best rates.
Which Flint, MI auto insurance company is for you? Before you buy Flint, MI auto insurance, be sure to compare quotes from multiple insurance companies. You’ll find the answer to the question, “How can I find cheap car insurance in Flint, MI?”
Find out now by entering your five-digit Michigan ZIP code into our FREE quote tool below.