Cheapest Auto Insurance in Flint, Michigan (2025)
USAA offers the cheapest car insurance in Flint, with minimum-coverage policies as low as $70 per month.
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In Flint, Michigan, the average monthly cost of auto insurance is $187, which is more than the $174 overall average monthly auto insurance cost for Michigan, as well as the overall national average of $138 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.[?] [?] These factors could contribute to Flint’s more expensive auto insurance rates.
Quick Facts
The average cost of car insurance in Flint is $141 per month for liability and $233 per month for full coverage.
The cheapest full-coverage insurance is with Auto-Owners.
USAA offers the best coverage for veterans living in Flint, Michigan.
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.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $108 | $67 | Drivers with an at-fault accident |
| USAA | 9.1 | $109 | $68 | Military members and families |
| State Farm | 9.3 | $224 | $139 | Customer service |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.[?] 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.
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Cheapest liability-only car insurance in Flint: USAA
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.
USAA has the cheapest liability-only insurance in Flint, with rates as low as $70 per month, but other cheap insurers are in the table below.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $70 |
| USAA | $70 |
| Chubb | $76 |
| Safeco | $116 |
| National General | $129 |
| Nationwide | $141 |
| State Farm | $144 |
| Bristol West | $146 |
| Direct Auto | $149 |
| Progressive | $163 |
| Travelers | $167 |
| Liberty Mutual | $170 |
| GEICO | $187 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $233 per month in Flint, and the table below shows affordable full-coverage auto insurers.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $115 |
| USAA | $116 |
| Chubb | $126 |
| Progressive | $205 |
| Safeco | $207 |
| Nationwide | $233 |
| State Farm | $238 |
| GEICO | $244 |
| Liberty Mutual | $253 |
| National General | $255 |
| Travelers | $275 |
| Bristol West | $292 |
| Direct Auto | $292 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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:[?] [?]
Coverage | Minimum Requirements |
|---|---|
| Residual bodily injury liability | $20,000 per person / $40,000 per accident |
| Residual property damage liability | $10,000 per accident outside of Michigan |
| Personal injury protection (PIP) | No limit |
| Property protection insurance | $1 million per accident in Michigan |
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.
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Cheapest car insurance for drivers with a speeding ticket: USAA
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.[?]
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 $206 per month after a speeding ticket, but the cheapest insurer is USAA.
The table below also shows other affordable insurance companies for drivers with a ticket on their record.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $70 | $84 |
| Auto-Owners | $70 | $85 |
| Chubb | $76 | $90 |
| Safeco | $116 | $144 |
| National General | $129 | $151 |
| State Farm | $144 | $169 |
| Nationwide | $141 | $170 |
| Bristol West | $146 | $171 |
| Direct Auto | $149 | $176 |
| Progressive | $163 | $180 |
| Travelers | $167 | $201 |
| Liberty Mutual | $170 | $202 |
| GEICO | $187 | $229 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
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 $267 per month for car insurance, but the table below shows cheap insurers in the city.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $70 | $95 |
| USAA | $70 | $96 |
| Chubb | $76 | $103 |
| Safeco | $116 | $168 |
| National General | $129 | $177 |
| Nationwide | $141 | $194 |
| State Farm | $144 | $195 |
| Bristol West | $146 | $199 |
| Direct Auto | $149 | $210 |
| Travelers | $167 | $230 |
| Progressive | $163 | $233 |
| Liberty Mutual | $170 | $235 |
| GEICO | $187 | $248 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
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 $227 per month, but you can start your search for affordable coverage with the insurers in the table below.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $70 | $94 |
| USAA | $70 | $94 |
| Chubb | $76 | $102 |
| Safeco | $116 | $167 |
| National General | $129 | $173 |
| Nationwide | $141 | $189 |
| State Farm | $144 | $193 |
| Bristol West | $146 | $196 |
| Progressive | $163 | $198 |
| Direct Auto | $149 | $200 |
| Travelers | $167 | $224 |
| Liberty Mutual | $170 | $228 |
| GEICO | $187 | $244 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
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.[?] 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 $158 per month for car insurance. You can also check out the table below to see other affordable insurers for seniors.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $55 | $91 |
| USAA | $57 | $94 |
| Chubb | $57 | $94 |
| National General | $101 | $199 |
| Safeco | $101 | $180 |
| Nationwide | $107 | $177 |
| State Farm | $113 | $186 |
| Direct Auto | $119 | $233 |
| Bristol West | $120 | $240 |
| Travelers | $132 | $218 |
| Progressive | $138 | $174 |
| Liberty Mutual | $141 | $210 |
| GEICO | $147 | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.[?]
Not all insurers impose the same premium increases for teens, though. The cheapest average rate for teen drivers in Flint is $121 per month. The table below also shows some other affordable options for young drivers.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $121 | $201 |
| Auto-Owners | $129 | $212 |
| Chubb | $150 | $249 |
| Safeco | $219 | $391 |
| Bristol West | $244 | $488 |
| National General | $247 | $487 |
| Nationwide | $259 | $428 |
| Progressive | $259 | $326 |
| State Farm | $261 | $431 |
| Direct Auto | $275 | $539 |
| Liberty Mutual | $281 | $418 |
| GEICO | $317 | $413 |
| Travelers | $322 | $531 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.[?] [?]
More cities in Michigan
Here’s how the average cost of car insurance in Flint compares to other cities in Michigan.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Ann Arbor | $115 | $203 |
| Dearborn | $270 | $391 |
| Detroit | $268 | $408 |
| Grand Rapids | $107 | $195 |
| Kalamazoo | $122 | $196 |
| Lansing | $115 | $193 |
| Rochester | $145 | $220 |
| Warren | $188 | $299 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Flint car insurance FAQs
Still have questions about car insurance in Flint? Check out these answers below.
How much is car insurance in Flint?
The average cost of car insurance in Flint is $141 per month for liability and $233 per month for full coverage.
Who has the cheapest car insurance in Flint?
USAA, Auto-Owners, and Chubb have the cheapest liability-only car insurance in Flint, with rates as low as $70, $70, and $76 per month, respectively.
The best way to find the cheapest car insurance for your situation is to compare quotes from multiple auto insurers. Use an online quote-comparison tool to quickly get prices from multiple car insurance companies to find the one that offers you the best price.
What are the best car insurance companies in Flint?
Some of the best car insurance companies in Flint include Auto-Owners, USAA, and State Farm. These insurers have good Insurify Quality Scores, relatively low car insurance rates, and solid customer satisfaction scores.
How much is car insurance in Michigan a month?
The average cost of car insurance in Michigan is $137 per month for liability and $211 per month for full coverage.
Can your credit affect your car insurance rates in Michigan?
Yes, car insurance companies in Michigan can use your credit history when determining your car insurance premiums. However, companies can’t deny you coverage based solely on your credit history.[?]
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