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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 Average||National Average|
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
|Company||Average Yearly Rate|
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 tier||Average Yearly Rate|
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/Gender||Average Yearly Rate|
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
|Violation||Average Annual Rate|
|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|
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 Level||Average Rate (annual)|
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.