Who Has the Cheapest Car Insurance in Flint, Michigan?

Who Has the Cheapest Car Insurance in Flint, Michigan?

Find Cheap Auto Insurance Quotes in Flint, MI

Currently insured?

Progressive often has the best prices for car insurance in Flint, MI including an impressively low rate of $1,077 per year for basic coverage.

Auto-Owners was often the second-best option for low prices, and had the best prices for younger drivers.

Both insurers had much better rates than in Flint overall, where you can expect to pay $5,513 for full coverage or $3,133 for state-minimum protection.

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

Cheapest auto insurance in Flint: Progressive

The best minimum-coverage insurer in Flint is Progressive, which has an average rate 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.

Compare Car Insurance Rates in Flint, Michigan

Currently insured?
Rank
Company
Annual rate
1Progressive$1,077
2Frankenmuth Insurance$1,390
3Auto-Owners$1,407
4State Farm$2,406
5Hanover$4,191
6AAA$4,787
7Allstate$9,116
N/A*USAA$687

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

Cheapest full-coverage car insurance in Flint: Progressive

For drivers who want or need full coverage for their car, we recommend Progressive. 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.

Rank
Company
Annual rate
1Progressive$1,637
2Auto-Owners$3,337
3Frankenmuth$3,626
4State Farm$3,895
5AAA$7,164
6Hanover$8,594
7Allstate$14,168
N/A*USAA$1,682

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

  • Comprehensive coverage: pays for damage to your car that is not due to a crash, such as vandalism or animal damage. Also covers theft.
  • Collision coverage: pays for damage to your car that is due to a crash, regardless of who is at fault.
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Cheapest car insurance for drivers with prior incidents

One of the main factors car insurers use to set rates is your driving history. People with driving incidents on their records, like an at-fault accident or speeding ticket, are statistically more likely to make a claim than drivers with clean histories. The insurer passes this expected extra cost on to you by charging higher rates.

Here are the best insurers for drivers who have:

Cheapest car insurance in Flint after an accident: Progressive

The most affordable insurer after an at-fault car crash is Progressive, which offered us 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.

Rank
Company
Annual rate
1Progressive$2,133
2Auto-Owners$3,865
3State Farm$4,678
4Frankenmuth$4,766
5Hanover$14,132
6AAA$15,585
7Allstate$20,586
N/A*USAA$2,356

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

Cheapest car insurance for drivers with a speeding ticket: Progressive

The cheapest insurer for drivers with a speeding ticket in Flint is Progressive, which offered us 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 insurers 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.

Rank
Company
Annual rate
1Progressive$2,067
2Auto-Owners$3,865
3Frankenmuth$4,058
4State Farm$5,070
5Hanover$12,071
6Allstate$15,478
7AAA$15,585
N/A*USAA$2,128

*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.

We found the best price for car insurance after a DUI at Progressive, which gave our sample driver a year of coverage for $1,934. That's 89% cheaper than the typical insurer in Flint.

Rank
Company
Annual rate
1Progressive$1,934
2Auto-Owners$7,809
3State Farm$10,161
4Frankenmuth$16,480
5Hanover$16,701
6AAA$26,340
7Allstate$67,478
N/A*USAA$2,978

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

Cheapest car insurance for young drivers: Auto-Owners

We found the best car insurance rates for younger drivers at Auto-Owners, which charged a typical price of $2,886 for one year of minimum coverage. That's more than $1,000 cheaper than the second-cheapest option, Frankenmuth.

Younger 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.

Rank
Company
Annual rate
1Auto-Owners$2,886
2Frankenmuth$3,967
3Progressive$4,000
4State Farm$6,537
5AAA$8,017
6Hanover$9,913
7Allstate$15,822
N/A*USAA$1,204

*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 car insurance that's affordable, 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 insurers with the best service. They performed the best among Michigan insurers in our national survey of car insurance claims service.

See our 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

The cost of car insurance varies 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$5,873$3,396
48503$5,551$3,094
48504$5,625$3,178
48505$6,008$3,476
48506$5,150$2,916
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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 insurers in Michigan. Our sample driver was 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.