Cheapest Auto Insurance in Flint, Michigan (2026)
USAA offers the cheapest car insurance in Flint, with minimum-coverage policies as low as $77 per month.
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Written byChristy Rakoczy
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Christy RakoczyInsurance and Personal Finance Freelance Writer
17+ years in personal finance and insurance writing
JD, Law from University of California, Los Angeles
Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
Christy has been a contributor at Insurify since August 2023, helping readers make informed decisions about their insurance needs.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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Table of contents
In Flint, Michigan, the average monthly cost of auto insurance is $188, which is more than the $173 overall average monthly auto insurance cost for Michigan, as well as the overall national average of $136 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.
Quick Facts
The average cost of car insurance in Flint is $140 per month for liability and $236 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 | $116 | $72 | Drivers with an at-fault accident |
| USAA | 9.1 | $117 | $72 | Military members and families |
| State Farm | 9.3 | $241 | $148 | Customer service |
Disclaimer: Table data sourced from real-time Flint car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Flint 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
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $77/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $125/mo |
4.3
Best choiceBased on 303 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (145)
Paul
Verified Review
Auto Owners
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
Scott
Verified Review
Poor
Reviewed in Michigan on January 28, 2026
Prices are too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
More than 10,000 auto accidents occurred in Genesee County in 2022. These collisions included 50 fatal crashes, more than 2,100 accidents causing injury, and 8,011 collisions resulting in property damage.[2]
Drivers who have had an accident typically pay higher average rates. However, Auto-Owners offers more affordable coverage than many competitors for the thousands of drivers who cause crashes in the Flint area.
Pros
Above-average J.D. Power customer satisfaction rating in the North Central region
Bundling insurance discounts available
Cons
Below-average J.D. Power claims satisfaction rating
Lower mobile app rating than competitors
Best insurer for the military community: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $77/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $126/mo |
4.9
Best choiceBased on 2,986 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,455)
Harvey
Verified Review
Overall Outstanding Service
Reviewed in Texas on February 18, 2026
Excellent and professional service. My minor complaint is that it is somewhat expensive.
John
Verified Review
No claims, tickets, etc. Low mileage on both vehicles, yet the price increased by $300 from last year.
Reviewed in Massachusetts on February 17, 2026
No claims, tickets, etc. Low mileage on both vehicles, yet the price increased by $300 from last year.
Ritchie
Verified Review
Need cheaper coverage
Reviewed in Arizona on February 17, 2026
I would like to have full coverage at a cheaper rate.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is an ideal insurance option for the more than 3,600 military veterans living in Flint, Michigan, as well as for any active-duty military members and their qualifying family members. USAA coverage is available only to people with military affiliation, but the insurer is a popular and affordable choice for drivers who qualify for a policy.
Pros
Above-average J.D. Power customer satisfaction rating
Cheaper rates than competitors
Cons
Restrictive membership eligibility
No gap insurance available
Best insurer for customer service: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $159/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $259/mo |
4.0
Best choiceBased on 15,129 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (7,058)
John
Verified Review
Excellent
Reviewed in Indiana on February 19, 2026
I'm satisfied with my coverage so far.
Danton
Verified Review
Higher Auto Premium for Last 5 Years
Reviewed in New Jersey on February 19, 2026
Above average auto insurance premium even with no DWI, violation tickets, etc.!
Robert
Verified Review
State Farm Ripoff
Reviewed in Virginia on February 19, 2026
They set their policies to get more money from the customer. I have the discounts available on my policy, and they increase their fee every month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm provides in-person customer support to drivers who need help choosing an auto insurance policy. The insurer has a half-dozen local agents working within Flint, Michigan, who can offer assistance to drivers who aren’t sure what coverage would best fit their lives.
Pros
Above-average J.D. Power customer satisfaction and claims satisfaction ratings
Six local agents available in Flint
Cons
Gap insurance not available
Can’t purchase a policy online
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.
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Guide to Car Insurance Discounts (2026)
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 $77 per month, but other cheap insurers are in the table below.
The below rates in Flint, MI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $77 |
| Auto-Owners | $77 |
| Chubb | $84 |
| National General | $116 |
| Safeco | $118 |
| Progressive | $129 |
| Bristol West | $144 |
| Direct Auto | $153 |
| Nationwide | $157 |
| State Farm | $159 |
| Liberty Mutual | $163 |
| Travelers | $184 |
| GEICO | $191 |
Disclaimer: Table data sourced from real-time Flint car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Flint 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 $236 per month in Flint, and the table below shows affordable full-coverage auto insurers.
The below rates in Flint, MI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $125 |
| USAA | $126 |
| Chubb | $137 |
| Progressive | $206 |
| Safeco | $206 |
| National General | $246 |
| Liberty Mutual | $247 |
| Nationwide | $255 |
| State Farm | $259 |
| GEICO | $259 |
| Direct Auto | $278 |
| Bristol West | $291 |
| Travelers | $300 |
Disclaimer: Table data sourced from real-time Flint car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Flint may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Flint, Michigan
Drivers in and around Flint, Michigan have found policies from Direct Auto, Liberty Mutual, Bristol West, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Flint, Michigan within the last 10 days. Last updated on February 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Flint, Michigan within the last 10 days. Last updated on February 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 19, 2026. 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:[4] [5]
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:
Collision coverage
Collision coverage pays for your vehicle’s damage after an accident in Michigan. Without this coverage, you’ll need to pay for your car repairs out of pocket, as the other driver’s coverage won’t apply even if they’re at fault.
Comprehensive coverage
Comprehensive coverage pays for damages to your vehicle from incidents other than collisions, like theft, vandalism, falling objects, severe weather, and more.
Gap insurance
Primarily for people who finance or lease their vehicles, gap insurance pays the difference between your auto loan balance and the insurance settlement after a total loss.
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.[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 $214 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 in Flint, MI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $77 | $95 |
| Auto-Owners | $77 | $96 |
| Chubb | $84 | $102 |
| National General | $116 | $138 |
| Safeco | $118 | $149 |
| Progressive | $129 | $147 |
| Bristol West | $144 | $173 |
| Direct Auto | $153 | $182 |
| Nationwide | $157 | $194 |
| State Farm | $159 | $192 |
| Liberty Mutual | $163 | $198 |
| Travelers | $184 | $228 |
| GEICO | $191 | $238 |
Disclaimer: Table data sourced from real-time Flint car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Flint may vary based on the policy buyer's unique driver profile.
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 $269 per month for car insurance, but the table below shows cheap insurers in the city.
The below rates in Flint, MI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $77 | $107 |
| Auto-Owners | $77 | $106 |
| Chubb | $84 | $116 |
| National General | $116 | $160 |
| Safeco | $118 | $171 |
| Progressive | $129 | $184 |
| Bristol West | $144 | $197 |
| Direct Auto | $153 | $217 |
| Nationwide | $157 | $219 |
| State Farm | $159 | $218 |
| Liberty Mutual | $163 | $226 |
| Travelers | $184 | $257 |
| GEICO | $191 | $258 |
Disclaimer: Table data sourced from real-time Flint car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Flint may vary based on the policy buyer's unique driver profile.
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 $303 per month, but you can start your search for affordable coverage with the insurers in the table below.
The below rates in Flint, MI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $77 | $118 |
| Auto-Owners | $77 | $118 |
| Chubb | $84 | $129 |
| National General | $116 | $178 |
| Safeco | $118 | $194 |
| Progressive | $129 | $208 |
| Bristol West | $144 | $221 |
| Direct Auto | $153 | $235 |
| Nationwide | $157 | $241 |
| State Farm | $159 | $244 |
| Liberty Mutual | $163 | $250 |
| Travelers | $184 | $283 |
| GEICO | $191 | $292 |
Disclaimer: Table data sourced from real-time Flint car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Flint may vary based on the policy buyer's unique driver profile.
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 $165 per month for car insurance. You can also check out the table below to see other affordable insurers for seniors.
The below rates in Flint, MI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $62 | $100 |
| USAA | $63 | $103 |
| Chubb | $64 | $105 |
| National General | $92 | $195 |
| Safeco | $104 | $182 |
| Progressive | $114 | $181 |
| Bristol West | $121 | $244 |
| Nationwide | $122 | $197 |
| Direct Auto | $125 | $226 |
| State Farm | $126 | $206 |
| Liberty Mutual | $138 | $208 |
| Travelers | $149 | $242 |
| GEICO | $154 | $208 |
Disclaimer: Table data sourced from real-time Flint car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Flint 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.[8]
Not all insurers impose the same premium increases for teens, though. The cheapest average rate for teen drivers in Flint is $133 per month. The table below also shows some other affordable options for young drivers.
The below rates in Flint, MI, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $133 | $217 |
| Auto-Owners | $145 | $235 |
| Chubb | $163 | $266 |
| Progressive | $201 | $321 |
| National General | $220 | $467 |
| Safeco | $223 | $390 |
| Bristol West | $239 | $482 |
| Liberty Mutual | $266 | $404 |
| Direct Auto | $276 | $501 |
| Nationwide | $287 | $466 |
| State Farm | $288 | $469 |
| GEICO | $318 | $431 |
| Travelers | $358 | $584 |
Disclaimer: Table data sourced from real-time Flint car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Flint 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.[1] [2]
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 | $116 | $198 |
| Dearborn | $274 | $439 |
| Detroit | $267 | $412 |
| Grand Rapids | $102 | $193 |
| Kalamazoo | $124 | $193 |
| Lansing | $113 | $189 |
| Rochester | $141 | $219 |
| Warren | $184 | $292 |
Disclaimer: Table data is based on real-time Flint quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $140 per month for liability and $236 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 $77, $77, and $84 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 $135 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.[3]
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Flint Police Department. "Crime Stat - Citywide Profile."
- Michigan State Police. "2022 Statewide Traffic Crash Data Year End Report."
- Michigan Legislature. "500.2153 Credit information or insurance score; use.."
- Michigan Department of Insurance and Financial Services. "What auto insurance coverage do I have to purchase?."
- Michigan Department of Insurance and Financial Services. "What are the levels of PIP Medical coverage available?."
- NHTSA. "Speeding and Aggressive Driving Prevention."
- National Institute on Aging. "Safe Driving for Older Adults."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
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Christy RakoczyInsurance and Personal Finance Freelance Writer
Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
Christy has been a contributor at Insurify since August 2023, helping readers make informed decisions about their insurance needs.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.