Car insurance costs an average of $325 each month in Flint. Paying too much? Enter your ZIP to compare rates.
The typical Flint driver pays $3,901 per year for car insurance. That's more than the Michigan average ($3,096) and more expensive than the U.S. average of $1,548. Continue reading to learn how much you can expect to pay for insurance based on your marital status, age, credit score and other factors in Flint.
| Flint Average (per year) | Michigan Average | National Average |
| $3,901 | $3,096 | $1,548 |
The difference in auto insurance rates from company to company can be substantial. In Flint, Progressive offers the cheapest premiums for the typical insurance buyer. We've gathered the best cheap car insurance companies in Flint below. Remember that this list should only be seen as a starting point: it's important to compare quotes specific to your unique driving profile.
| Company | Average Yearly Rate |
| Progressive | $2,316 |
| AAA | $2,874 |
| AAA | $2,936 |
| State Farm | $4,276 |
| The Hanover | $6,787 |
Consult our expert guide to finding the best cheap car insurance.
Flint drivers in their 50s pay relatively affordable car insurance rates just $3,702 each year, on average. Those in their 60s don't pay much more ($3,762).
Teenage drivers pay Flint's most expensive car insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Flint is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Flint is $6,250, the largest such difference between any two age brackets.
| Age tier | Average Yearly Rate |
| Teenagers | $11,105 |
| 20s | $4,855 |
| 30s | $3,940 |
| 40s | $3,922 |
| 50s | $3,702 |
| 60s | $3,762 |
| 70s | $4,369 |
Find out more about how age can change car insurance costs.
Marital status and gender can play roles in how car insurance companies set rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Flint pay $39 less than single drivers for auto insurance.
Another component of auto insurance pricing is gender. In Flint, female drivers pay $75 per year more than do male drivers.
| Marital Status/Gender | Average Yearly Rate |
| Female | $3,976 |
| Male | $3,901 |
| Single | $3,901 |
| Married | $3,862 |
| Divorced | $3,901 |
| Widowed | $3,901 |
Discover more about how gender and marital status have on insurance rates.
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can increase what you pay for car insurance.
Flint drivers found guilty of reckless driving pay a heavy toll when it comes to auto insurance, facing a rate increase of $8,231 per year versus the city average. A ticket for speeding results in a $2,595 rate hike while a DWI or DUI violation costs $7,977per year in extra insurance expenditures.
| Violation | Average Annual Rate |
| DUI/DWI | $11,878 |
| Reckless Driving | $12,132 |
| At-fault Accident (damages less than $1,000) | $5,576 |
| At-fault Accident (damages > $2,000) | $6,171 |
| Speeding Ticket (16-20 mph over speed limit) | $6,496 |
Learn more about how citations can raise your auto insurance rates.
In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Flint drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 75% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Flint, improving your credit to "Fair" could help you earn a $3,628 decrease in annual car insurance rates.
| Credit Level | Average Rate (annual) |
| Very Poor | $11,398 |
| Fair | $7,770 |
| Good | $5,587 |
| Very Good | $4,230 |
| Exceptional | $2,879 |
Get additional information on how credit impacts car insurance costs.