Flint, MI Car Insurance

Car insurance costs an average of $325 each month in Flint. Paying too much? Enter your ZIP to compare rates.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

How much does auto insurance cost in Flint?


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 AUTO INSURANCE PREMIUMS
Flint Average (per year)Michigan AverageNational Average
$3,901$3,096$1,548

Contents:

Flint car insurance rates by company


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.


FLINT AUTO INSURANCE RATES BY COMPANY
CompanyAverage 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 car insurance premiums by age

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.


FLINT AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage 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.



Flint auto insurance rates by marital status and gender


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.


FLINT CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage 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.



Flint car insurance premiums by accident and violation history


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.


FLINT CAR INSURANCE RATES AFTER A COLLISION OR CITATION
ViolationAverage 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.



Flint car insurance rates by credit score


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.


FLINT CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit LevelAverage 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.



The Zebra

The Zebra is the nation's leading independent insurance comparison site. The Zebra compares more than 100 insurance companies and provides agent support and educational resources to ensure drivers are equipped to make the most informed decisions about their home and auto insurance.