Car Insurance in Flint, Michigan

Car Insurance in Flint, Michigan

Find Cheap Auto Insurance Quotes in Flint, MI

Currently insured?

Flint is one of Michigan's most well known cities. The seat of Genesee County however is one of the most expensive for car insurance in the state. In Flint, the average cost of car insurance for a 30 year old male is $3,980. While the price is high, there are still great deals to be had in Flint however. Car insurance prices vary by company, and by analyzing 22 from the city, we were able to find out who has the most affordable car insurance in Flint, Michigan.

Cheapest Auto Insurance in Flint, MI

We looked at quotes for a sample 30 year old male with a clean driving record from over 22 companies to see which company had the overall best yearly rates. The most affordable insurer was MetLife where rates were well below the city average of $3,980. Notably absent from the top five are the nation's largest companies like Progressive and Allstate. In fact, the largest companies turned out to be the most expensive in Flint. Below you can see the five most affordable auto insurers in Flint based on our analysis.

Image displays the five cheapest auto insurers in Flint Michigan

Find Cheap Auto Insurance Quotes in Flint, MI

Currently insured?

When you buy car insurance, it is incredibly important you shop around and obtain multiple quotes. Just because you may have heard the name of the company before, it does not mean they have the best rates around. Below is a list of the top ten insurers for our sample 30 year old driver:


Yearly Rate


Hastings Mutual$1,032
Pioneer State Mutual$2,892
Grange Insurance$2,928
Auto Owners$2,964
Auto Club Group$3,456

Car Insurance Agents and Agencies in Flint

Below we collected the information for ten agencies and agents in the Flint area. While some companies allow the whole purchasing process to happen on-line, a number of smaller companies may require you to use an agent.


Google Rating

Al Bourdeau Insurance Agency

3835 Davison Rd, Burton, MI 48509, United States3.8
Security First Insurance Agency, IncG-3526 Miller Road, Flint, MI 48507, United States3.4
Thomas Spence Insurance3208 W Pierson Rd, Flint, MI 48504, United StatesNA
Potter & Roose Insurance503 Saginaw St # 906, Flint, MI 48502, United StatesNA
State Farm: Ron Gillum Jr1510 W Court St #1, Flint, MI 48503, United StatesNA
Allstate Insurance: Brian Hickman2308 S Ballenger Hwy, Flint, MI 48503, United StatesNA
Farmers Insurance - Paul Turchi4419 Richfield Rd, Flint, MI 48506, United StatesNA
McCredie Insurance Agency5454 Gateway Center, Flint, MI 48507, United StatesNA
Mark Owen Agency4386 Lennon Rd, Flint, MI 48507, United StatesNA
Eve Insurance4508 Beecher Rd, Flint, MI 48532, United StatesNA

Car Insurance Requirements

As a no-fault state, personal injury protection (PIP) is apart of the minimum car insurance requirements in Michigan. In Michigan PIP is limitless (opposed to other states where it is usually between $10,000 and $50,000) meaning your medical bills are covered no matter the cost. Drivers are also required to hold personal property insurance (PPI). Below we list all the requirements for car insurance in Michigan.

Type of Coverage


Bodily Injury Liability (BI)

$20,000 per person/ $40,000 per accident

Property Damage Liability (PD)

$10,000 per accident

Personal Injury Protection (PIP)


Property Protection Insurance (PPI)

Up to $1 million

Personal Injury Protection

As we say above, personal injury protection is unlimited in Michigan, so your medical bills can go into the millions and still be covered. PIP will also cover your lost wages up to a certain amount until you recover if you are disabled as a result of your injuries. Unfortunately, these benefits makes rates more costly in Flint and in the rest of Michigan. The state allows you to reduce your premium however when you coordinate your health insurance plan with your PIP. Your health insurance covers your injures while PIP will continue to pay for lost wages in the event of a disability. Note though, if you have Medicare or Medicaid, you will not be able to coordinate the two.

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