Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Are you looking for cheap auto insurance in Flint, Michigan? At, you could find the lowest priced insurance rates for your area. To find free car insurance estimates offered by the top providers right now, input your postal code into the quote box on this site.

Flint, named after the Flint River which it borders, has a unique history all its own. It was originally the birthplace of General Motors, and also the site for the staging of the infamous Flint Sit-Down Strike of the 1930’s. Before the area was settled by European immigrants, the territory was mostly populated by the Ojibwa Indians.

  • Fun fact: single men, take notice! Flint is #65 on the list of “Top 100 cities with the largest percentage of females (pop. 50,000+)”.

Auto Insurance Coverage Requirements in Michigan

Driving legally in Flint requires:

CoverageRequirementsMost Common
Bodily Injury Liability20,000/40,000100,000/300,000
Property Damage Liability10,000100,000
Uninsured Motorist Bodily InjuryNot required20,000/40,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible

If you are still financing your vehicle, your bank lender may require that you add Comprehensive and Collision insurance to your policy. Otherwise, all additional forms of coverage – including Medical Payments and Uninsured/Underinsured Motorist coverage are optional.

Most drivers in Michigan probably have to pay somewhere around $213 per month just for their insurance. However, if you park your car in a Flint zip code each night, you could get insured for as little as $110/mo* – just keep reading to find out how!

Average Monthly Auto Insurance Premiums Legend: Flint Nationwide Farm Bureau Allied Hanover Liberty Mutual 10 20 30 40 50 60 70 80 90 100 110 120 $59 $96 $112 $111 $121


Based on the data above, it looks as though Nationwide and Farm Bureau are vying for 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 24/7 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 many factors when establishing quotes, such as gender, geography, occupation, driving distance to work, and multiple cars and drivers. Additionally, premiums vary from company to company. To find out whether you’re still getting the most affordable price, check cheap Flint auto insurance quotes on the web.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Major Car Insurance Factors in Flint

The moment your automobile insurance agency prepares to write your insurance plan, they take several specifics under consideration. Many of these, just like your real age or maybe your precise locale, usually are impossible to alter. Other factors include:

Your Zip Code

Your auto insurance rates could vary depending on the place you live. Usually, populous cities have increased car insurance rates since the additional number of motorists on the streets boosts the chance of a car accident! The population of Flint is 99,763, plus the average household earnings are about $23,131.

Auto Insurance by Zip Code Legend: Detroit Warren Sterling Heights Grand Rapids Flint Nationwide Farm Bureau Allied Hanover Liberty Mutual 15 30 45 60 75 90 105 120 135 150 165 $63 $48 $48 $42 $59 $99 $123 $102 $76 $96 $143 $89 $105 $63 $112 $154 $101 $92 $65 $111 $165 $75 $84 $65 $121


Automotive Accidents

Any city with a high rate of auto accidents is likely to be more expensive to drive around in, with regard to insurance. Flint accident rates are a little high, but not necessarily the highest in the country per capita. However, if your driving record is accident-free, you might want to ask about a safe driver or a defensive driving course discount.

Fatal Accidents in Flint, MI Legend: Flint Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 35 18 26 7 18 35 8


Auto Thefts in Flint

Even in modest cities or non-urban towns, car theft can still be an issue. In order to make it a lesser dilemma for you, consider putting in a passive anti-theft system on your motor vehicle. Your actual auto insurance company could compensate you with lower costs! Within Flint, they had 320 auto thefts in 2013. Though this marks a recent decline, theft rates are still a little high. And Comprehensive coverage is the only policy addition that can protect you from theft.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Nationwide Farm Bureau Allied Hanover Liberty Mutual 50 100 150 200 250 300 350 400 450 500 550 $59 $206 $96 $305 $112 $216 $111 $232 $121 $574


Your Credit Score

Young, inexperienced drivers will generally be charged much higher rates per month than someone in their 30’s, 40’s, or beyond. The less experience you have behind the wheel, the more likely you are to cause an accident. Charging teenage drivers a higher premium is the insurance company’s way of offsetting potential expenses.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Nationwide Farm Bureau Allied Hanover Liberty Mutual 35 70 105 140 175 210 245 280 315 350 $54 $66 $86 $181 $101 $190 $101 $189 $32 $356


Your Age

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.

Auto Policy Age Comparison Legend: 34 Year Old 17 year Old Nationwide Farm Bureau Allied Hanover Liberty Mutual 40 80 120 160 200 240 280 320 360 $59 $136 $96 $167 $112 $380 $111 Do Not Sell $121 $315


Your Driving Record

A speeding ticket here or a fender-bender there doesn’t necessarily make you a bad driver, but it can (and often will) significantly raise your rates. If you have a minor offense or two on your record, ask your insurance agent about “Accident Forgiveness” discounts. You could end up saving a lot of money if you are eligible.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Nationwide Farm Bureau Allied Hanover Liberty Mutual 40 80 120 160 200 240 280 320 360 $59 $63 $68 $73 $96 $137 $96 $108 $112 $160 $370 $220 $111 $149 $175 $165 $121 $280 Do Not Sell $169


Your Vehicle

Confused about which vehicles are cheaper to insure than others? Well, so are most insurance companies. But one thing they are very clear on, however, is that more expensive vehicles (such as luxury cars) should be charged a higher premium than your typical, compact sedan. This sentiment is reflected in the chart below, where you can see that carrying auto insurance on a luxury vehicle is significantly more expensive than with your typical sedan.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Nationwide Farm Bureau Allied Hanover Liberty Mutual 50 100 150 200 250 300 350 400 450 500 550 600 $59 $276 $96 $339 $112 $251 $111 $238 $121 $612


Minor Car Insurance Factors in Flint

These factors, in addition to the factors above that are very significant, can all contribute to your final monthly insurance premium:

Your Marital Status

If you are married and want to save money on your auto policy, bundle your insurance with that of your spouse. You’ll both save a ton of money that way. You can even bundle additional policies, such as homeowner’s insurance, if your provider sells those types of coverage.

Your Gender

It may sound unbelievable, but insurers are phasing out the practice of charging men and women different premiums for their auto insurance policies. This is because, statistically speaking, there really are no major differences between the way men and women drive. Some companies do still charge different rates, but whether that favors male or female drivers varies from one provider to the next.

Your Driving Distance to Work

An average work commute in Flint can last between 19-33 minutes. Just about three-quarters of motorists will drive their own automobile to work each day, while anywhere from 4-33% will hitch a ride with their coworkers and carpool.

Do you think you’ll pay higher insurance rates for driving more miles each year? Or for driving for pleasure instead of commuting to work/school? Well, the truth is that only business vehicles see a significant rate hike (about 10-12%/month). All other variables will only change your monthly premium by a few dollars.

Your Coverage and Deductibles

Want to lower your premium? Or purchase additional coverage for peace of mind? Then talk to your insurer about raising your deductible. Yes, it will be more expensive to file a claim if the worst happens, but it will lower your monthly bill.

Education in Flint, MI

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. But did you know that taking your education to the next level can yield lower prices on your car insurance bill? It’s an even better way to get discounts than getting a great job, or a higher salary.

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. Or if you’re looking for the fast-track to your higher education, you can also look into Mott Community College.

Determining your own personal financial risk can be very difficult or unattainable for the common insurance shopper. Insurance agencies have got an advantage over shoppers due to their studies and experiential understanding. Learn specifically what insurance companies don’t want people to know. Learn more about Flint, Michigan.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. 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.


The Michigan Department of Insurance and Financial Services

Department of Highway Safety and Motor Vehicles


Enter your zip code below to view companies that have cheap auto insurance rates.

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Compare Auto Insurance Rates in Flint, Michigan – See How Much You Can Save