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Cheapest car insurance in Flint, Michigan (Jun 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Flint, Michigan.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

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
$25
$130
4.2
4.6
$37
$83
4.5
4.7
$72
$139
4.7
4.8
$131
$195
3.9
4.2
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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
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
$25
$37
$54
$63
$72
$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. 
To 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. 
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
$83
$91
$97
$130
$139
$195
$229
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Average cost of car insurance in Flint by zip code

Your ZIP code can also play a massive role in how much your 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 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.

How do different factors impact your car insurance costs in Flint?

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Allowed (with applicable limitations): Driving experience, gender, age, credit history, education, employment status, marital status, residential status.
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Prohibited (or effectively prohibited): Occupation.
Learn more about the car insurance rating factors in Flint:

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:

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
$111
$115
$150
$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
$156
$165
$207
$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
$105
$130
$146
$163
$220
For drivers interested in a minimum coverage policy, consider one of these providers. 
Insurance company
Monthly minimum coverage cost
$59
$104
$114
$117
$127
$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
$31
Failure to show documents
$49
Failure to yield
$89
Following too closely
$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
$135
$275
$160
$285
$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
$106
$227
$124
$183
$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
$60
$72
$64
$118
$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
$231
$239
$303
$305
$322

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

What is the minimum car insurance in Flint, Michigan?

The state-minimum car insurance in Flint, Michigan is as follows:These coverages are commonly referred to as 50/100/25 coverage.
  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $25,000 in property damage liability per accident
These coverages are commonly referred to as 50/100/25 coverage.

What is the cheapest car insurance in Flint?

According to a recent Jerry survey,
Travelers
and
Dairyland
offer the lowest rates for full and minimum coverage in Flint.

How much is car insurance in Flint?

People living in Flint pay on average $135 per month – or $1,620 per year – on state-minimum liability coverage. Full coverage in Flint costs on average $251 per month or $3,012 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the best car insurance in Flint?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Travelers
,
Dairyland
, and
National General
receive good ratings from Flint drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*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.