Cheapest Auto Insurance in Flint, Michigan (2025)

In Flint, Michigan, the average monthly cost of auto insurance is $206, which is more than the $178 overall average monthly auto insurance cost for Michigan, as well as the overall national average of $143 per month.

Flint experienced an increase in auto theft between 2021 and the first quarter of 2022, and Genesee County reported a higher number of auto accidents than many other counties in Michigan.1 2 These factors could contribute to Flint’s more expensive auto insurance rates.

Cheapest car insurance companies in Flint

While some insurers offer more affordable policies, no single insurer offers the cheapest auto insurance for all Michigan drivers.

That’s because insurers evaluate risk levels differently, and motorists with different driver profiles may get better prices from different insurance companies. It’s best to compare multiple insurers side by side to see which one is the best for your situation. Here are some of the best and cheapest insurance companies in Flint.

Best insurer for drivers with an at-fault accident: Auto-Owners

Best insurer for the military community: USAA

Best insurer for customer service: State Farm

How to get the cheapest car insurance in Flint

To get the most affordable car insurance possible, you’ll need to shop around, make the right coverage choices, and work on maintaining a clean driving record. Here are some steps to keep premiums down and avoid paying the highest rates that could bust your budget:

• Practice safe driving habits. Avoiding accidents or speeding tickets and taking a defensive driving course can help reduce premium costs.

• Ask your insurer about discounts. Many insurers provide opportunities to reduce premiums if you’re a member of certain groups, work for a particular employer, or are a student who earns good grades. If you bundle coverage from the same insurer — such as buying home insurance, auto insurance, and life insurance — it can also help you save money on each of the insurance policies.

• Improve your credit score. While insurers in Michigan can’t use credit to determine whether to offer you coverage, state law allows them to take credit history into account when setting premiums.3 Better credit translates to cheaper rates, so raising your score over time could lower your car insurance costs.

• Compare prices from different insurers. Get several quotes before buying auto insurance, as prices vary between companies and insurers impose different charges on drivers with differing risk profiles.

Cheapest liability-only car insurance in Flint: Auto-Owners

In Michigan, liability car insurance provides coverage only for your injuries and any damages you cause to other people’s property in an accident where you’re at fault. It doesn’t apply to cars unless they were parked at the time of the accident, so your own car repairs aren’t covered.

Auto-Owners has the cheapest liability-only insurance in Flint, with rates as low as $66 per month, but other cheap insurers are in the table below.

Cheapest full-coverage car insurance in Flint: Auto-Owners

Full-coverage auto insurance provides more asset protection. It typically includes liability, collision, and comprehensive coverages and pays for more situations. For example, collision coverage pays for your vehicle damage.

On average, full-coverage car insurance costs $250 per month in Flint, and the table below shows affordable full-coverage auto insurers.

Car insurance requirements in Michigan

Michigan is a no-fault state, so drivers must buy personal injury protection (PIP) coverage. PIP pays for all of a policyholder’s reasonable and necessary medical expenses resulting from an accident and provides a limited amount of wage loss compensation for up to three years following a collision.

Michigan also requires property protection insurance (PPI), which specifically pays for damage to other people’s property, such as buildings, fences, and parked cars. PPI doesn’t apply to cars that are being driven, so you’ll need to add optional collision coverage. 

Residual bodily injury and property damage liability coverages are also mandatory and apply if you cause a death or a serious injury or if you damage someone’s property in another state, respectively.

Here are Michigan’s minimum car insurance requirements:4 5

While Michigan recently changed its minimum car insurance requirements, some drivers may not think it’s enough coverage for them. Here are some optional insurance coverages you can add to your policy for greater protection:

Cheapest car insurance for drivers with an incident

Speeding tickets, driving under the influence, and at-fault accidents become part of your driving history. When you have a record of these incidents, you’ll generally pay higher rates for both liability insurance and full-coverage insurance.

Some insurers increase premiums more than others, but it depends on the severity of the accident or violation. For example, a DUI is one of the more serious violations and typically comes with the highest car insurance spikes.

Here are the cheapest insurance companies in Flint, based on driving history.

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Speeding was a contributing factor in 29% of traffic fatalities nationwide in 2021. Driving faster than the speed limit significantly increases the chance of a collision and serious injuries.6

Because of the added risk, virtually all insurers charge more for drivers with a history of speeding. However, the premium penalty is higher with some companies than others.

Drivers in Flint pay an average of $239 per month after a speeding ticket, but the cheapest insurer is Auto-Owners.

The table below also shows other affordable insurance companies for drivers with a ticket on their record.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

At-fault accidents on your record increase your risk for filing future car insurance claims, so auto insurers increase rates to offset that risk. How much your car insurance increases after an accident depends on the auto insurer and the severity of the accident.

In Flint, drivers with an at-fault accident on their record pay an average of $295 per month for car insurance, but the table below shows cheap insurers in the city.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Driving while impaired is considered high-risk behavior, so drivers with a DUI on their record pay higher auto insurance premiums. The state may also require drivers to provide special proof of insurance using an SR-22 form after a DUI conviction.

The average cost of car insurance in Flint after a DUI conviction is $332 per month, but you can start your search for affordable coverage with the insurers in the table below.

Cheapest car insurance for seniors: Auto-Owners

While auto insurance premiums are expensive for teens, they decline in middle age as people develop more driving experience and are less risky to insure. However, as drivers age, health issues and delayed reaction time cause their accident risk to rise again.7 This results in a slight uptick in senior drivers’ car insurance premiums once they reach their 70s.

Still, senior drivers tend to have low average rates, especially compared to teens. Senior drivers pay an average of $173 per month for car insurance. You can also check out the table below to see other affordable insurers for seniors.

Cheapest car insurance for teens: USAA

Teen drivers have the highest risk of a motor vehicle accident of any age group. A lack of experience and a high degree of risk-taking behaviors both contribute to their elevated risk which, in turn, results in higher auto insurance premiums.8

Not all insurers impose the same premium increases for teens, though. The cheapest average rate for teen drivers in Flint is $114 per month. The table below also shows some other affordable options for young drivers.

Is car insurance more expensive in Flint?

Car insurance is very expensive in all of Michigan. And average premiums are even higher in Flint. A great number of both accidents and auto thefts helps explain why auto insurance rates are so high in the Flint area.1 2

More cities in Michigan

Here’s how the average cost of car insurance in Flint compares to other cities in Michigan.

Flint car insurance FAQs