Who Has the Cheapest Car Insurance in Flint, Michigan?

The best rates for car insurance in Flint, MI are from Progressive, with an average of $90 per month for minimum coverage or $136 per month for full coverage.

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Best cheap car insurance companies in Flint, MI

Insurance companies charge different rates for every driver, so it's essential to gather quotes from several companies to be sure you find your best price.

Cheapest car insurance in Flint: Progressive

Progressive has the best full-coverage car insurance for drivers in Flint. Its typical rate of $1,637 per year was 70% less expensive than the average rate citywide of $5,513. The second-most affordable option, Auto-Owners, was more than twice as costly, at $3,337 per year.

Full-coverage car insurance includes comprehensive and collision coverages in addition to all of the basic coverages required by law in Michigan, like liability protection and PIP.

Cheapest full coverage car insurance in Flint, MI

Company
Rating
Monthly rate
Progressive logo
Progressive
$136
Auto-Owners logo
Auto-Owners
$278
Frankenmuth logo
Frankenmuth
$302
State Farm logo
State Farm
$325
AAA logo
AAA
$597
Hanover logo
Hanover
$716
Allstate logo
Allstate
$1,181
USAA logo
USAA
$140

*USAA is only available to current and former military members and their families.


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Cheapest liability insurance quotes in Flint: Progressive

Progressive is the best minimum-coverage car insurance company in Flint, with average rates of $1,077 per year. That's $2,056 cheaper than the average citywide. Drivers can also find affordable prices from Frankenmuth and Auto-Owners, which both charge around $1,400 for basic coverage.

Cheapest car insurance companies in Flint, Michigan.

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Cheapest minimum coverage car insurance in Flint, MI

Company
Rating
Monthly rate
Progressive logo
Progressive
$90
Frankenmuth logo
Frankenmuth
$116
Auto-Owners logo
Auto-Owners
$117
State Farm logo
State Farm
$201
Hanover logo
Hanover
$349
AAA logo
AAA
$399
Allstate logo
Allstate
$760
USAA logo
USAA
$57

*USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers: Auto-Owners

Auto-Owners offers the best price for teen drivers. It charges a typical price of $2,886 for one year of minimum coverage, more than $1,000 cheaper than the second-cheapest option, Frankenmuth.

Eighteen-year-old drivers can expect to pay the most for car insurance of any age group. Younger drivers have less experience behind the wheel and may not be as adept at assessing road risks as older people.

Cheapest minimum-coverage car insurance for young drivers

Company
Monthly rate
Auto-Owners$241
Frankenmuth$331
Progressive$333
State Farm$545
AAA$668
Hanover$826
Allstate$1,319
USAA$100

*USAA is only available to current and former military members and their families.


Cheapest car insurance for drivers with a speeding ticket: Progressive

Progressive is the cheapest company for Flint drivers with a speeding ticket, which offered an average price of $2,067 per year for full coverage. That's much less than the price we found at the second-cheapest insurer, Auto-Owners.

Car insurance companies have found that drivers with a speeding ticket on their records are more likely to make another claim in the future, so you're likely to see your rates go up after you're caught speeding.

Cheapest car insurance after a speeding ticket

Company
Monthly rate
Progressive$172
Auto-Owners$322
Frankenmuth$338
State Farm$423
Hanover$1,006
Allstate$1,290
AAA$1,299
USAA$177

*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 most affordable rates for drivers in Flint after an at-fault accident. It offered a quote of $2,133 per year for full coverage. That's $1,732 per year cheaper than the second-cheapest option, Auto-Owners.

Car insurance companies have found that drivers who have been involved in one crash are more likely to be involved in another, so your rates tend to go up if you're at fault in an accident. We found a typical increase of 54% for Flint drivers.

Cheapest car insurance after an accident

Company
Monthly rate
Progressive$178
Auto-Owners$322
State Farm$390
Frankenmuth$397
Hanover$1,178
AAA$1,299
Allstate$1,716
USAA$196

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with a DUI: Progressive

A DUI is among the most serious driving infractions you can commit, and the consequences are similarly harsh. In addition to potentially losing your license and facing a steep fine, you'll likely see a big jump in your car insurance bills. We found a typical price of $18,735 per year for full coverage after a DUI.

The best price for car insurance after a DUI was from Progressive, which gave a year of coverage for $1,934. That's 89% cheaper than the typical company in Flint.

Cheapest car insurance with a DUI

Company
Monthly rate
Progressive$161
Auto-Owners$651
State Farm$847
Frankenmuth$1,373
Hanover$1,392
AAA$2,195
Allstate$5,623
USAA$248

*USAA is only available to current and former military members and their families.

Car insurance companies with the best customer service in Michigan

It's important to find affordable car insurance, but it's just as necessary to find an insurer that has great service, too.

For Michigan residents, we recommend Auto-Owners, USAA and State Farm as the companies with the best service. They performed the best among Michigan insurance companies in our national survey of car insurance claims service.

See our page on Michigan car insurance for a full analysis of the best-rated Michigan auto insurers.

Average car insurance costs in Flint by neighborhood

Car insurance costs vary based on where you live, even within a city. Residents of a neighborhood with a lot of car theft or narrow, poorly maintained roads may have higher rates than someone living elsewhere.

Here's the full breakdown of car insurance costs in Flint by ZIP code.

ZIP code
Full coverage
Minimum coverage
48502$489$283
48503$463$258
48504$469$265
48505$501$290
48506$429$243
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Auto theft statistics in Flint

Car theft rates are moderately high in Flint compared to other major Michigan cities. The typical rate in Flint is 2.2 car thefts per 1,000 residents, slightly less than the state average of 2.3 thefts per thousand residents.

Rank
City
Population
Car thefts
Thefts per 1,000 residents
1Detroit663,5026,88610.4
2Lansing118,9533673.1
3Dearborn93,9022662.8
4Warren134,6533562.6
5Grand Rapids201,7995012.5
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Motor vehicle theft data was pulled from the FBI 2019 Michigan Crime Report.

Methodology

We collected data from eight of the largest companies in Michigan. We found quotes with a profile of a 30-year-old man who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver received rates for a full-coverage policy.

We used the following limits for minimum and full-coverage policies:

Coverage
State minimum
Full coverage
Property protectionup to $1,000,000up to $1,000,000
Residual bodily injury and property damage liability (BI/PD)$50,000 per injury, $100,000 per accident$50,000 per injury, $100,000 per accident
Personal injury protection (PIP)$250,000 for people with qualified health coverage$250,000 for people with qualified health coverage
Collision coverageIncluded/$500 deductible
Comprehensive coverageIncluded/$500 deductible

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.

Source:

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.