Written by

Reviewed byRachel Brennan
Licensed Auto Insurance Agent

UPDATED: Oct 19, 2020

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Things to Remember...

  • The minimum requirements for auto insurance in Flint, MI  is 20/40/10.
  • Flint, MI auto insurance is $148 cheaper than Michigan average.
  • Credit and gender won’t affect your auto insurance in Flint, MI.
  • Your education level can determine how much you pay for auto insurance.

If you are looking for Flint, MI auto insurance, you’re in the right place. Cheap car insurance in Flint, MI doesn’t have to be hard to find.

Michigan auto insurance lists its minimum liability coverage as 20/40/10. Drivers who want to compare car insurance in Flint, MI, can find competitive rates. Nationwide, Farm Bureau, Allied, Hanover, and Liberty Mutual rank among the best Flint, MI car insurance companies. Nationwide offers Flint, MI, auto insurance at $59 per month.

Are you looking for cheap auto insurance in Flint, MI? Find cheap PLPD auto insurance in Flint, MI, or any other coverage, by the top providers right now by entering your ZIP code in the FREE comparison tool above.

Cheapest Auto Insurance in Flint, MI

Before we get into the cheapest auto insurance in Flint, MI, let’s compare the average monthly rate of Flint to the state and national average.

Flint, MI Average Monthly Auto Insurance Rates vs. Michigan and National Average
LocationAverage Monthly Rates
Flint, MI$110
Michigan$258
National Average$129
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Most drivers in Michigan probably have to pay somewhere around $258 per month just for their insurance. However, Flint car insurance could be as little as $110 per month. Let’s explore the cheapest car insurance in Flint, MI, now.

Flint, MI Average Monthly Auto Insurance Rates 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 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 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 Flint, MI auto insurance quotes, such as gender, geography, occupation, driving distance to work, and multiple cars and drivers. Additionally, premiums vary among Flint, MI auto insurance companies.

To find out whether you’re still getting affordable Flint, MI auto insurance, check the cheapest car insurance in Flint, Michigan, on the web.

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Major Factors in Cheap Auto Insurance in Flint, Michigan

When your auto insurance company prepares to write your insurance plan, they take several specifics under consideration. Many of these factors, like age or maybe your precise location, usually are impossible to alter. Other factors include:

Your ZIP Code

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

Flint, MI Average Monthly Auto Insurance Rates by City 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. 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.

Flint, MI Fatal Accident Statistics 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. To make it a lesser dilemma for you, consider putting in a passive anti-theft system on your motor vehicle. Your auto insurance company could compensate you at 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 auto coverage is the only policy addition that can protect you from theft.

Flint, MI Basic vs. Comprehensive Monthly Auto Insurance Rates 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 Insurance History Score

According to the Department of Insurance and Financial Services in Michigan, auto insurance companies can no longer use a credit score to determine rates in Michigan.

Watch this video for an extensive report on Michigan’s new car insurance law.

However, your insurance score can still determine your car insurance rates. An insurance score is a grade that represents your insurance history. Your insurance history is monitored by a database called the Comprehensive Loss Underwriting Exchange (C.L.U.E.).

If you have no accidents and paid your premiums on time over the years, your insurance history (or insurance credit score) will be excellent. Accidents, traffic violations, and driving-related convictions will hurt your insurance credit score. Let’s review how insurance history affects your Flint, MI car insurance rates.

Flint, MI Average Monthly Auto Insurance by Insurance History Legend: Excellent Insurance Score  Poor Insurance Score  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.

Flint, MI Average Monthly Auto Insurance by Age Legend: 34-Year-Old Driver 17-year-Old Driver 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.

Flint, MI Average Monthly Auto Insurance Rates by Driving Record 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. Luxury cars and sports cars are more expensive 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.

Flint, MI Average Monthly Auto Insurance Rates 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 Factors in Cheap Auto Insurance in Flint, Michigan

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 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 car insurance 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 are no major differences between men and women drive. Some companies 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 to 33 minutes. Just about three-quarters of motorists will drive their automobile to work each day, while anywhere from four to 33 percent will hitch a ride with their coworkers and 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? Well, the truth is that only business vehicles see a significant rate hike (about ten to 12 percent per 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. If you’re looking for the fast-track to your higher education, you can also look into Mott Community College.

Determining your 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.

Auto Insurance Coverage Requirements in Michigan

To drive in Flint, MI, you’ll need to get the minimum requirements for car insurance. Here are the requirements.

Michigan Minimum Auto Insurance Requirements
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
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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 coverage forms, including Medical Payments and Uninsured/Underinsured Motorist coverage, are optional.

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Top 5 Flint, MI Auto Insurance Agents

  • Al Bourdeau Insurance Agency 3835 Davison Rd, Burton, MI 48509
  • Security First Insurance Agency, Inc G-3526 Miller Road, Flint, MI 48507
  • Thomas Spence Insurance 3208 W Pierson Rd, Flint, MI 48504
  • Potter & Roose Insurance 503 Saginaw St # 906, Flint, MI 48502
  • State Farm: Ron Gillum Jr 1510 W Court St #1, Flint, MI 48503

Flint, MI Fun Facts

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 the site for staging the infamous Flint Sit-Down Strike of the 1930s. Before the area was settled by European immigrants, the territory was mostly populated by the Ojibwa Indians.

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

How We Conducted Our Auto 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.

Are you ready to buy Flint, MI auto insurance? It’s not too late to get a cheap auto insurance quote in Flint, MI. Enter your ZIP code to find affordable Flint, MI car insurance today. Which Flint, MI auto insurance company is for you? Find out now.