Who Has the Cheapest Car Insurance in Flint, MI?
Progressive has the cheapest full coverage car insurance in Flint, Michigan, at $160 per month, on average.
Compare Car Insurance Rates in Flint, MI
Best cheap car insurance in Flint, MI
How we chose the top companies
Best and cheapest car insurance in Flint, Michigan
- Cheapest full coverage: Progressive, $160/mo
- Cheapest minimum liability: Progressive, $76/mo
- Cheapest for young drivers: Auto-Owners, $132/mo
- Cheapest after a ticket: Progressive, $198/mo
- Cheapest after an accident: Progressive, $233/mo
- Cheapest for teens after a ticket: Auto-Owners, $154/mo
- Cheapest after a DUI: Progressive, $186/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Farm Bureau has the best combination of cheap rates and good customer service among top car insurance companies in Flint, Michigan, for most people. Progressive has cheaper quotes, but the company has a poor reputation for customer satisfaction.
USAA has the cheapest coverage and the highest rated customer service among top auto insurance companies in Flint, MI. But, you can only get a USAA policy if you are — or an immediate family member is — a veteran or current member of the military.
Cheapest car insurance in Flint: Progressive
Progressive has the cheapest auto insurance in Flint, MI.
A full coverage policy from Progressive costs an average of $160 per month. That's less than half the Flint city average of $336 per month.
Find Cheap Auto Insurance Quotes in Flint
USAA is the best choice for car insurance in Flint if you can get a policy. The company charges $154 per month, on average, for a full coverage policy.
Cheapest full coverage car insurance in Flint
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $160 | |
| Auto-Owners | $234 | |
| Farm Bureau | $240 | |
| AAA | $277 | |
| Allstate | $316 | |
*USAA is only available to current and former military members and their families.
Cheapest minimum coverage in Flint: Progressive
Progressive has the most affordable minimum liability car insurance in Flint, with an average of $76 per month.
That's about 44% cheaper than the Flint city average.
Auto-Owners also has affordable rates, at an average of $83 per month.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| Progressive | $76 |
| Auto-Owners | $83 |
| AAA | $105 |
| Farm Bureau | $114 |
| Allstate | $125 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Flint
Cheapest car insurance in Flint for teens: Auto-Owners and Farm Bureau
Auto-Owners has the cheapest minimum liability coverage for 18-year-old drivers in Flint, at an average of $132 per month. That's much less than half the city average.
Farm Bureau has the most affordable full coverage auto insurance for Flint teen drivers. The company charges $390 per month, on average. That's much less than half the Flint city average.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $132 | $402 |
| Farm Bureau | $185 | $390 |
| AAA | $201 | $585 |
| Progressive | $264 | $773 |
| Allstate | $267 | $690 |
*USAA is only available to current and former military members and their families.
The best way for Flint teens to save on car insurance is by sharing a policy with their parents. Young people can also save by taking advantage of age-specific discounts like good student or student away from home.
Cheapest car insurance in Flint after a speeding ticket: Progressive
Progressive has the cheapest car insurance for Flint drivers who have a speeding ticket, at an average of $198 per month for full coverage.
The company charges less than half the city average.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| Progressive | $198 |
| Farm Bureau | $240 |
| Auto-Owners | $275 |
| AAA | $334 |
| Allstate | $418 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Flint after an accident: Progressive
Progressive has the cheapest auto insurance for Flint drivers with an accident on their record, at an average of $233 per month for full coverage. That's roughly one-half the citywide average of $463 per month.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Progressive | $233 |
| Auto-Owners | $275 |
| Farm Bureau | $293 |
| AAA | $404 |
| State Farm | $445 |
*USAA is only available to current and former military members and their families.
An at-fault accident will increase the amount you pay for car insurance by 38% in Flint, on average. You can lower the amount you pay for car insurance each month by shopping around and comparing quotes. Switching from the most expensive auto-insurance company, Farmers, to the cheapest for most people, Progressive, would save you over $1,000 per month, on average.
Cheapest car insurance for teens after a ticket or accident: Auto-Owners
Auto-Owners has the cheapest car insurance for Flint teens with a ticket or accident on their record.
Teen drivers in Flint who have a ticket pay an average of $154 per month for a minimum coverage policy from Auto-Owners. That's about 70% cheaper than the Flint city average.
Auto-Owners also has the most affordable coverage for Flint teen drivers who've had an at-fault accident, at an average of $154 per month. That's also about 70% cheaper than the city average.
Monthly minimum coverage rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $154 | $154 |
| Farm Bureau | $185 | $225 |
| AAA | $223 | $256 |
| Progressive | $274 | $293 |
| Allstate | $363 | $384 |
*USAA is only available to current and former military members and their families.
A teen driver with Auto-Owners insurance will only see an increase of $22 per month, on average, after a ticket. That's a fairly small increase.
Cheapest car insurance in Flint for drivers with a DUI: Progressive
Progressive has the cheapest rates for Flint drivers with a DUI, at an average of $186 per month for full coverage. That's roughly three-quarters cheaper than the Flint city average.
Cheapest Flint car insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $186 |
| Auto-Owners | $542 |
| Farm Bureau | $614 |
| AAA | $715 |
| State Farm | $1,066 |
*USAA is only available to current and former military members and their families.
In Flint, a DUI more than doubles the cost of car insurance, on average. Keep in mind, your rate won't change until your next policy renewal. Consider shopping around for car insurance then.
Average cost of car insurance in Flint by neighborhood
Downtown Flint has the most expensive average rates in the city, at $360 per month.
The city's southern neighborhoods have the most affordable rates, at an average of $334 per month. There's a small difference between the cheapest and most expensive neighborhoods in Flint, at $26 per month on average.
Some neighborhoods have higher rates than others because of factors such as theft, vandalism and traffic.
Full coverage quotes by Flint ZIP code
ZIP | Monthly rate | % from average |
|---|---|---|
| 48502 | $360 | 4% |
| 48503 | $357 | 3% |
| 48504 | $350 | 1% |
| 48505 | $352 | 2% |
| 48506 | $337 | -3% |
Frequently asked questions
Who has the cheapest car insurance in Flint, MI?
Progressive has the cheapest car insurance in Flint for most people, at an average of $160 per month for full coverage. USAA has even cheaper rates at $154 per month, on average. But, you can only buy a USAA policy if you are a military member, veteran or qualified family member.
What are the best car insurance companies in Flint, Michigan?
USAA, State Farm, Farm Bureau and AAA are the best car insurance companies in Flint, MI. These companies score high on customer satisfaction according to a recent J.D. Power survey, and they have high overall ratings from ValuePenguin editors.
How much is car insurance in Flint, Michigan?
In Flint, Michigan, an average full coverage car insurance policy costs $336 per month. Flint drivers pay an average of $136 per month for minimum liability coverage.
Methodology
To find the best cheap car insurance in Flint, MI, ValuePenguin collected quotes from eight of the most popular insurance companies in Michigan. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that meet the legal requirements for Michigan.
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $250,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person, $100,000 per accident
- Comprehensive and collision: $500 deductible
Insurance rate data from Quadrant Information Services was used in this analysis. All rates were taken from public insurance company filings. Cost figures should be used for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.