Cheapest car insurance quotes in Flint
On average, auto insurance in Flint costs about $175 per month for minimum coverage liability insurance and about $271 per month for full coverage insurance. Flint drivers pay 37% more than the Michigan average.
| Coverage type | Flint, MI | Michigan | United States |
|---|---|---|---|
| State minimum | $175 | $118 | $77 |
| Full coverage | $271 | $197 | $165 |
Securing an affordable car insurance policy is a great way to keep your auto-related expenses as low as possible. However, there’s no “cheapest” car insurance provider for every driver. To ensure you’re getting the best price for customized coverage, compare auto insurance quotes from various companies before choosing your favorite.
Cheapest car insurance companies in Flint, Michigan
- Overall standout: Dairyland$37/month for liability-only, $83/month for full coverage
- Best for minimum coverage: Travelers$25/month on average
- Next best for full coverage: Mercury Auto$91/month on average
Best car insurance companies in Flint
Jerry conducted the nation’s largest insurance shopping survey to help you identify which auto insurance company offers the best rates in Flint, Michigan.
We spoke to more than 15,000 policyholders in 50 states about 87 insurance providers. The results? There’s simply no best or cheapest car insurance company for every driver—instead, your rates are highly individualized. This is because every provider has their own set of calculations and algorithms in place to determine final rates, meaning what looks best for one motorist may look completely different for another.
However, that doesn’t mean there aren’t a few standout companies in Flint—not only in terms of price, but customer satisfaction and claims handling. According to our research, here are a few of the top-rated (and cheapest) companies in the city.
| Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
| Travelers | $25 | $130 | 4.2 | 4.6 |
| Dairyland | $37 | $83 | 4.5 | 4.7 |
| National General | $72 | $139 | 4.7 | 4.8 |
| Progressive | $131 | $195 | 3.9 | 4.2 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re looking for a fast and easy way to find the cheapest rates in Flint, try using a car insurance comparison app or website.
Jerry is a top-rated insurance agency that offers a straightforward app that auto owners can use to shop for car insurance and explore their motorist coverage options. Moreover, Jerry provides end-to-end service—helping you register for your new policy and even canceling your old one on request.
Best cheap car insurance quotes in Flint
Whether you’re from Detroit, Lansing, Ann Arbor, or Flint, every Michigan driver is legally required to carry minimum liability coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and property protection insurance (PPI).
However, depending on your specific needs, you’ll likely want to consider additional coverage types—such as full coverage.
Cheap minimum liability insurance quotes in Flint
Before legally driving your car, you’ll need to secure a policy meeting Michigan’s minimum liability coverage requirements.1
- $50,000 of bodily injury liability per person
- $100,000 of bodily injury liability per accident
- $15,000 in property damage liability per accident
You’ll often hear this referred to as 50/100/15 coverage. Let’s take a look at some of the most affordable providers for motorists interested in state minimum coverage.
| Insurance company | Monthly minimum coverage cost |
|---|---|
| Travelers | $25 |
| Dairyland | $37 |
| Allstate | $54 |
| Nationwide | $63 |
| National General | $72 |
| Mercury Auto | $75 |
Do you need more than minimum coverage in Flint?
Most drivers in Flint feel that the best car insurance policy will include more than the state minimum coverage.
If you cause a collision, you could be responsible for medical bills and vehicle repairs that greatly exceed the 50/100/15 limit—especially if the other driver is seriously injured or the vehicle is totaled.
THE BOTTOM LINETo ensure you’re fully protected, consider 100/300/100 liability coverage—even if you opt out of collision and/or comprehensive coverage.
Cheap full coverage car insurance quotes in Flint
But what happens if you’re injured or your vehicle is damaged in an accident? That’s where full coverage car insurance comes in.
Full coverage auto insurance includes comprehensive and collision coverage.
- Collision coverage will help cover the cost of repairing or replacing your accident-damaged vehicle.
- Comprehensive coverage pays for damage due to vandalism, environmental causes, and even theft.
If you purchase your vehicle using an auto loan, your loan provider will likely require that you buy full coverage car insurance. Let’s have a closer look at some of the cheapest options for Flint drivers looking for full coverage.
| Insurance company | Monthly full coverage cost |
|---|---|
| Dairyland | $83 |
| Mercury Auto | $91 |
| Allstate | $97 |
| Travelers | $130 |
| National General | $139 |
| Progressive | $195 |
| Safeco | $229 |
Average cost of car insurance in Flint by zip code
Your ZIP code can also play a massive role in how much you spend on insurance. Areas more prone to theft, natural disasters, or vandalism can all see higher rates than areas less susceptible to these factors.
Let’s take a look at premium costs for different ZIP codes in the city.
| ZIP codes | Monthly coverage cost |
|---|---|
| 48505 | $150 |
| 48506 | $159 |
| 48507 | $180 |
| 48504 | $192 |
| 48503 | $201 |
| 48532 | $203 |
Car insurance quotes in Flint by rating factors
Flint, Michigan car insurance companies consider several factors when calculating your premium, including:
- Driving record and claims history: Insurance providers may charge higher rates if your Michigan driving record shows a history of accidents or traffic violations.
- Location: Rates tend to be higher for city drivers than for rural drivers. Different ZIP codes within the same city may also have varying insurance rates.
- Vehicle type: Luxury cars, high-performance vehicles, and sports cars generally have higher insurance costs for collision and comprehensive coverage.
- Usage of the vehicle: If you use your car to commute to work or have higher annual mileage, insurance companies may charge higher premiums than leisure usage.
- Credit score: Drivers with higher credit scores typically pay less for the same coverage—it’s considered an indicator of financial responsibility.
It’s important to note that these factors can vary among insurance providers, so we recommend using an online comparison tool or app to get personalized quotes based on your specific circumstances.
Cheap car insurance quotes in Flint after driving violations
Your driving history plays a significant role in determining your auto insurance quotes. If insurance companies see a track record of violations, they consider you a higher-risk driver, resulting in higher insurance rates.
Some of the most common traffic violations that can increase your car insurance rates include:
- Speeding
- DUIs
- At fault accidents
- Reckless driving
Cheapest car insurance in Flint after speeding ticket
Speeding violations can be categorized into different degrees based on the extent of the speed limit exceeded. These categories typically include speeding 1-5 mph over the limit, 6-10 mph over the limit, 11-15 mph over the limit, 16-20 mph over the limit, and speeding over 21 mph over the limit.
A moving violation will almost always impact your car insurance rates, but Jerry has successfully helped drivers with varying speeding tickets keep their rates as low as possible—let’s have a look at which providers still offer the most affordable rates in Michigan after a minor speeding ticket.
| Insurance company | Monthly coverage cost |
|---|---|
| Nationwide | $111 |
| National General | $115 |
| Assurance America | $150 |
| Safeco | $158 |
Cheapest car insurance in Flint after DUI
A Michigan DUI violation typically leads to a higher increase in car insurance rates than other violations.
If you have a DUI offense on your record, insurance rates can vary significantly among different insurance companies. It may be necessary to compare rates from multiple insurers to find the cheapest options after a DUI.
Jerry has assisted several Flint drivers secure affordable auto insurance rates following a DUI, and here are a few of the cheapest providers we discovered in the state.
| Insurance company | Monthly coverage cost |
|---|---|
| Bristol West | $156 |
| The General | $165 |
| State Auto | $207 |
| Progressive | $271 |
Cheapest car insurance in Flint after an at-fault accident
Your car accident or claim history is a crucial element that significantly impacts car insurance rates.
Insurance companies carefully assess your previous at-fault accidents to evaluate the level of risk you pose as an insured individual. If you have been involved in a recent at-fault accident, it is possible for your Flint car insurance rates to increase dramatically.
That said, these are some of the most affordable providers in the state that we found for drivers in an at-fault accident.
| Insurance company | Monthly full coverage cost |
|---|---|
| Plymouth Rock | $105 |
| Encompass | $130 |
| Allstate | $146 |
| Progressive | $163 |
| Safeco | $220 |
For drivers interested in a minimum coverage policy, consider one of these providers.
| Insurance company | Monthly minimum coverage cost |
|---|---|
| Plymouth Rock | $59 |
| Safeco | $104 |
| State Auto | $114 |
| Progressive | $117 |
| Nationwide | $127 |
| Bristol West | $224 |
Cheapest car insurance in Flint after other driving violations
Aside from speeding tickets and DUIs, other violations like reckless driving and driving on a suspended license can also increase car insurance costs in Flint.
We’ve given you a list of different driving violations and how we helped Michigan drivers find affordable insurance providers despite these infractions.
| Violation | Top insurance provider | Monthly coverage cost |
|---|---|---|
| Failure to obey signal | Assurance America | $31 |
| Failure to show documents | Dairyland | $49 |
| Failure to yield | Safeco | $89 |
| Following too closely | The General | $165 |
Cheap car insurance quotes in Flint by age
Insurance rates for new drivers are notably steep owing to their limited driving experience. As individuals age 25, their insurance rates tend to decrease; however, in Flint, rates tend to rise again between 35 and 54, then drop before increasing for a final time at 65+.
Depending on your age, here’s what you might pay for coverage in Flint.
| Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| 18-21 | $366 | $474 |
| 22-25 | $230 | $319 |
| 26-34 | $141 | $195 |
| 35-44 | $186 | $246 |
| 45-54 | $183 | $234 |
| 55-64 | $129 | $168 |
| 65+ | $175 | $218 |
Cheapest car insurance in Flint for young drivers
Teen drivers in Michigan typically pay the highest insurance rates out of any age group in the state. Thanks to a higher likelihood of teenagers being involved in accidents compared to other age groups.
As such, teens who drive newer cars should opt for full coverage insurance for better financial protection.
But young motorists in general may see higher than average rates until they reach the age of 25—here are some of the most affordable providers we found for young drivers aged 22-25 in Flint.
| Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| Safeco | $135 | $275 |
| State Auto | $160 | $285 |
| Progressive | $228 | $233 |
Cheapest car insurance in Macon for middle-aged drivers
As drivers gain more experience, their rates lower. Drivers 25-34 see some of the cheapest coverage, with rates rising again once drivers turn 35. Although most drivers at this age tend to pay cheaper premiums, motorists can still save with these providers:
| Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| State Auto | $106 | $227 |
| Progressive | $124 | $183 |
| Safeco | $127 | $240 |
Cheapest car insurance in Flint for senior drivers
Once individuals reach their mid-60s, car insurance rates begin to increase after a slight drop between 55 and 64. This trend can be attributed to several factors contributing to higher seniors’ insurance costs.
Older drivers have a heightened vulnerability to accidents and are more prone to sustaining severe injuries in the event of a collision. Consequently, insurance providers incur significant medical expenses and experience elevated costs, leading to higher car insurance rates for seniors.
That doesn’t mean affordable coverage is off the table if you’re an older driver. In fact, here are some of the cheapest providers in Flint for those aged 65 or older.
| Insurance company | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
| Nationwide | $60 | $72 |
| State Auto | $64 | $118 |
| Progressive | $119 | $176 |
Cheap car insurance quotes in Flint based on insurance history
Your insurance history—how long you’ve been continuously insured—plays a crucial role in determining your car insurance rates.
Driving without insurance deems you a high-risk driver, and insurers want to know you’ve maintained continuous insurance for the duration you have been driving. Having a gap in your insurance coverage, regardless of the reason, results in higher car insurance rates.
To assist our customers in making timely insurance payments and avoiding coverage lapses, Jerry sends payment reminders to eligible customers. These reminders are sent when a payment is approaching or if a customer has fallen behind on their payments.
We have successfully helped numerous customers who are currently without insurance or have experienced a lapse in coverage in finding opportunities to save on a new policy.
| Insurance company | Monthly coverage cost |
|---|---|
| Progressive | $231 |
| Nationwide | $239 |
| State Auto | $303 |
| Safeco | $305 |
| The General | $322 |
Cheap car insurance quotes in Flint for popular cars
The vehicle you choose significantly influences your car insurance premiums. Various factors related to the type of car impact insurance costs, such as repair or replacement expenses, the probability of theft, and the overall safety performance of the vehicle.
Some of the most popular vehicles in the Great Lake State include:
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
Now that we know what some of the most popular cars in the city are, let’s pivot into the cheapest full coverage cost for each model.
| Vehicle type | Top insurance provider | Monthly coverage cost |
|---|---|---|
| Nissan Rogue | Safeco | $137 |
| Ford Bronco | Safeco | $126 |
| Chevrolet Silverado 1500 | Progressive | $216 |
| Toyota Corolla | Clearcover | $89 |
Learn more: How to get car insurance before buying a car
Why is car insurance in Flint so expensive?
The cost of car insurance in Michigan can be higher due to several factors, including:
- Crowded cities: Cities with a high population density tend to have more traffic congestion and a higher probability of accidents, resulting in increased insurance premiums.
- Uninsured drivers: The presence of uninsured drivers on the roads can pose financial risks for insurance companies, leading to higher overall insurance costs for everyone.
- Expensive healthcare: The cost of healthcare in Michigan can impact insurance premiums, as medical expenses associated with accidents and injuries are factored into coverage costs.
- More highway traffic: Michigan has a relatively higher density of highways, which can contribute to an increased frequency of accidents and subsequently drive up insurance rates.
- Rate of car thefts: Areas with a higher incidence of car thefts can lead to increased insurance costs, as insurers compensate for the higher risk of vehicle loss or damage.
- High risk of natural disasters: Michigan is prone to natural disasters such as severe storms and floods, which can cause significant damage to vehicles. This increased risk contributes to higher insurance premiums.
Considering these factors, it’s not uncommon for car insurance in Michigan to be relatively expensive compared to other regions.
How to lower car insurance costs in Flint
1. Shop around and compare quotes
You won’t know you’ve found the best deal without comparing auto insurance quotes. Try to shop for car insurance quotes with at least three different providers every six months.
If you want to comparison shop in minutes with just a few taps, download Jerry. You’ll receive the most competitive quotes in Flint that’ll take the guesswork out of your hunt for cheap rates.
2. Hunt for car insurance discounts
A great car insurance discount is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:
- Good driver discounts: You’re due for some savings if you’ve held a clean driving record for at least three years.
- Telematics device discounts: Telematics devices reward calm and mellow driving habits over hard braking and speeding.
- Good student discounts: College and high school students with a B average or better can save money on car insurance.
- Insurance bundle discounts: You could save money if you bundle your home and auto insurance products from the same provider.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.
FAQ
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Source
- https://www.michigan.gov/-/media/Project/Websites/difs/Publication/Auto/Auto_Insurance_Guide.pdf?rev=5e970c4aed3c4599bdd08a4706a44cbd#:~:text=Your%20policy%20must%20pay%20at,for%20property%20damage%20per%20accident. ↩︎
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
