The average Flint driver pays $3,171 per year for full coverage car insurance, well over the national average. Michigan has some of the highest car insurance rates in the nation, which makes it all the more important for Flint drivers to shop around and find their most affordable option before buying a policy.
policycentral can help you see quotes from top car insurance companies so you can choose a policy that works best for your needs and your budget.
Methodology & why you can trust our rates
policycentral has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Flint, MI
Your driving record, the car you drive, and where you live are the biggest factors insurance companies use to set your rates, but each company weighs your information differently. That’s why car insurance rates can vary so much from one company to the next.
Company | Average cost | JD Power Rating |
|---|---|---|
GEICO | $1,090 | 874 |
USAA | $1,388 | 890 |
Progressive | $1,624 | 861 |
MetLife | $1,667 | -- |
Meemic | $2,315 | -- |
Cheapest car insurance rates by ZIP code in Flint, MI
ZIP codes are one of the most important factors insurance companies use to establish car insurance premiums. Insurers look at the number of stolen vehicles, accidents, and claims in your neighborhood, and use that to set your rates.
ZIP code | Average cost |
|---|---|
48532 | $2,728 |
48507 | $3,059 |
48504 | $3,204 |
48506 | $3,277 |
48502 | $3,292 |
48503 | $3,306 |
48505 | $3,329 |
Choosing the right car insurance company in Flint, MI
Car insurance is expensive in Michigan, but you have to have car insurance if you want to drive legally. But the best company for you is the one that offers you the most coverage at the lowest rates, and the only way to find that company is to compare multiple options before you choose a policy.
policycentral makes it easy to compare options from top companies, so you can choose the coverage that works best for you.
Car insurance rates for drivers with driving violations in Flint, MI
Your driving record says a lot about you, and the more violations or accidents in your driving history, the more you’ll pay for car insurance.
Violation | GEICO | USAA | Progressive | MetLife | Meemic |
|---|---|---|---|---|---|
At-fault accident | $2,847 | $2,048 | $2,142 | $3,175 | $3,397 |
DUI | $7,374 | $2,619 | $1,846 | $3,758 | $6,007 |
Suspended license | $2,427 | $2,619 | $2,055 | $4,107 | $6,007 |
Open container | $5,380 | $2,619 | $2,006 | $1,981 | $2,815 |
Expired registration | $2,427 | $1,842 | $2,006 | $1,981 | $2,815 |
Driving without lights | $2,427 | $1,842 | $2,006 | $1,981 | $2,815 |
Running a red light | $2,427 | $1,842 | $2,006 | $1,981 | $2,815 |
Following too closely | $2,427 | $1,842 | $2,006 | $1,981 | $2,815 |
Hit and run | $3,838 | $2,619 | $2,055 | $3,758 | $6,007 |
Not-at-fault accident | $1,090 | $1,429 | $2,047 | $1,883 | $2,331 |
Passing a school bus | $2,427 | $2,395 | $2,006 | $1,981 | $2,815 |
Reckless driving | $2,847 | $2,395 | $2,055 | $3,758 | $6,007 |
Speeding | $2,427 | $2,032 | $1,973 | $2,124 | $3,825 |
Cheapest car insurance for drivers with a DUI in Flint, MI
Flint drivers with a DUI or DWI will pay higher than average rates for car insurance. The average annual cost for car insurance in Michigan is among the highest in the nation at $2,425 per year; drivers in Flint pay even more at $3,171 per year. But even with these high prices, drivers in Flint with a DUI can expect to pay even higher rates with an average of $6,469 per year, which is 104% higher than average.
But rates vary from company to company, even for drivers with a DUI on their record. We found the companies with the lowest rates for drivers with a DUI in Flint are Progressive, USAA, and Metlife.
Company | Rates for drivers with DUIs |
|---|---|
Progressive | $1,846 |
USAA | $2,619 |
MetLife | $3,758 |
Meemic | $6,007 |
GEICO | $7,374 |
Cheapest car insurance for drivers with a speeding ticket in Flint, MI
Drivers in Flint who have a speeding ticket or other moving violation may also pay more for car insurance. The average cost of insurance for a driver with a speeding ticket in Michigan is $3,629 per year.
But drivers with a speeding ticket or two can still find lower car insurance rates by comparing quotes from multiple insurance companies. We found the companies offering the lowest rates for drivers in Flint with a speeding ticket are Progressive, USAA, and Metlife.
Company | Rates for drivers with speeding tickets |
|---|---|
Progressive | $1,973 |
USAA | $2,032 |
MetLife | $2,124 |
GEICO | $2,427 |
Meemic | $3,825 |
Cheapest car insurance for drivers with bad credit in Flint, MI
Some states, including Michigan, have outlawed using credit scores as a factor when determining car insurance rates. But up until those changes went into effect, Michigan drivers with lower credit scores were paying more for car insurance.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,788 |
Progressive | $2,896 |
USAA | $3,240 |
MetLife | $3,455 |
Meemic | $4,081 |
Buying car insurance in Flint, MI
All Flint drivers must meet the minimum car insurance requirements in the state of Michigan.
Bodily Injury Liability Coverage Per Person: $20,000
Bodily Injury Liability Coverage Per Accident: $40,000
Property Damage Liability Coverage: $10,000
Personal Injury Protection: Amount varies depending on health coverage (see notes)
Michigan requires drivers to carry personal injury protection, though the exact amount required varies on the type of health insurance drivers have. Michigan also requires property protection insurance with a minimum limit of one million dollars.
Michigan is a no-fault state when it comes to car accidents. This means that after an accident, drivers must seek compensation for their injuries from their own car insurance company, even if another driver was at fault.
How to get cheap car insurance in Flint, MI
Discounts are a good way to make sure you’re getting your lowest rates on car insurance. Some of the most common car insurance discounts include:
Bundling discount: For combining home, life, and auto insurance policies with the same company.
Military discount: For active-duty service members and their families
Good student discount: For young drivers enrolled in high school or college who maintain a B average or better
Safe driver discount: For drivers who have no accident claims
Discounts vary by company, and you might not qualify for any of them, so be sure to ask your provider which ones may apply to you.
Frequently asked questions
Is car insurance higher in Michigan?
Yes, Michigan has some of the highest car insurance rates in the country. The average annual premium in Michigan is $2,425, which is well above the national average, but insurance can cost even more in certain cities and ZIP codes; drivers in Flint pay an average of $3,171 per year, while drivers in Detroit pay an average of $5,609 per year.
Can I opt out of PIP in Michigan?
You can opt out of PIP coverage in Michigan if you meet certain criteria. Drivers who are enrolled in Medicare Parts A and B can opt out of coverage if their spouse or any other covered driver who lives in their house also has Medicare parts A and B or has separate insurance coverage that includes PIP.
Is Geico expensive in Michigan?
GEICO is generally one of the more affordable options when it comes to car insurance, but that depends on a number of factors. For example, a DUI conviction can have a major impact on your rates. If you have insurance with GEICO, a DUI conviction can increase your rates by more than $6,000 per year.
How much is car insurance monthly in Michigan?
The average annual car insurance rate in Michigan is $2,425, which breaks down to $202 per month. Drivers in Flint pay $264 per month, which is $62 more expensive than the state average.
