The best car insurance in Flint, MI

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Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|3 min read

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The average Flint driver pays $2,995 per year for full coverage car insurance, well over the national average. Michigan has some of the highest car insurance rates in the nation, which makes it all the more important for Flint drivers to shop around and find their most affordable option before buying a policy.

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Policygenius can help you see quotes from top car insurance companies so you can choose a policy that works best for your needs and your budget.

Key Takeaways

  • GEICO has the lowest average car insurance rates in Flint for full coverage.

  • Michigan has some of the highest car insurance rates in the U.S.

  • The minimum liability car insurance requirements in Michigan are $50,000 per person/$100,000 per accident in bodily injury liability and $10,000 in property damage liability.

Cheapest car insurance companies in Flint, MI

Your driving record, the car you drive, and where you live are the biggest factors insurance companies use to set your rates, but each company weighs your information differently. That’s why car insurance rates can vary so much from one company to the next.

Company

Average cost

JD Power Rating

GEICO

$1,078

871

USAA

$1,445

890

MetLife

$1,667

886

Progressive

$1,770

856

Michigan Farm Bureau

$2,188

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Cheapest car insurance rates by ZIP code in Flint, MI

ZIP codes are one of the most important factors insurance companies use to establish car insurance premiums. Insurers look at the number of stolen vehicles, accidents, and claims in your neighborhood, and use that to set your rates.

ZIP code

Average cost

48502

$3,112

48503

$3,175

48504

$2,996

48505

$3,137

48506

$2,934

48507

$2,955

48532

$2,654

Choosing the right car insurance company in Flint, MI

Car insurance is expensive in Michigan, but you have to have car insurance if you want to drive legally. But the best company for you is the one that offers you the most coverage at the lowest rates, and the only way to find that company is to compare multiple options before you choose a policy.

Policygenius makes it easy to compare options from top companies, so you can choose the coverage that works best for you.

Car insurance rates for drivers with driving violations in Flint, MI

Your driving record says a lot about you, and the more violations or accidents in your driving history, the more you’ll pay for car insurance.

Violation

GEICO

USAA

MetLife

Progressive

Michigan Farm Bureau

At-fault accident

$2,803

$2,135

$3,175

$2,541

$3,742

DUI

$7,246

$2,733

$3,758

$2,151

$6,777

Suspended license

$2,391

$2,733

$4,107

$2,380

$2,277

Open container

$5,300

$2,733

$1,667

$2,322

$6,777

Expired registration

$2,391

$1,919

$1,981

$2,322

$2,277

Driving without lights

$2,391

$1,919

$1,981

$2,322

$2,277

Not showing documents

$2,391

$1,919

$1,981

$2,322

$2,277

Running a red light

$2,391

$1,919

$1,981

$1,803

$2,277

Cheapest car insurance for drivers with bad credit in Flint, MI

Some states, including Michigan, have outlawed using credit scores as a factor when determining car insurance rates. But up until those changes went into effect, Michigan drivers with lower credit scores were paying more for car insurance.

Company

Rates for drivers with bad credit

GEICO

$1,769

Progressive

$3,183

USAA

$3,240

MetLife

$3,455

Meemic

$4,099

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Buying car insurance in Flint, MI

All Flint drivers must meet the minimum car insurance requirements in the state of Michigan.

  • Bodily Injury Liability Coverage Per Person: $50,000

  • Bodily Injury Liability Coverage Per Accident: $100,000 

  • Property Damage Liability Coverage: $10,000

  • Personal Injury Protection: Amount varies depending on health coverage (see notes)

Michigan requires drivers to carry personal injury protection, though the exact amount required varies on the type of health insurance drivers have. Michigan also requires property protection insurance with a minimum limit of one million dollars.

Michigan is a no-fault state when it comes to car accidents. This means that after an accident, drivers must seek compensation for their injuries from their own car insurance company, even if another driver was at fault.

How to get cheap car insurance in Flint, MI

Discounts are a good way to make sure you’re getting your lowest rates on car insurance. Some of the most common car insurance discounts include: 

  • Bundling discount: For combining home, life, and auto insurance policies with the same company.

  • Military discount: For active-duty service members and their families

  • Good student discount: For young drivers enrolled in high school or college who maintain a B average or better

  • Safe driver discount: For drivers who have no accident claims

Discounts vary by company, and you might not qualify for any of them, so be sure to ask your provider which ones may apply to you.

Frequently asked questions

Is car insurance higher in Michigan?

Yes, Michigan has some of the highest car insurance rates in the country. The average annual premium in Michigan is $2,377, which is well above the national average, but insurance can cost even more in certain cities and ZIP codes; drivers in Flint pay an average of $2,995 per year, while drivers in Detroit pay an average of $5,357 per year.

Can I opt out of PIP in Michigan?

You can opt out of PIP coverage in Michigan if you meet certain criteria. Drivers who are enrolled in Medicare Parts A and B can opt out of coverage if their spouse or any other covered driver who lives in their house also has Medicare parts A and B or has separate insurance coverage that includes PIP.

Is Geico expensive in Michigan?

GEICO is generally one of the more affordable options when it comes to car insurance, but that depends on a number of factors. For example, a DUI conviction can have a major impact on your rates. If you have insurance with GEICO, a DUI conviction can increase your rates by more than $6,000 per year.

How much is car insurance monthly in Michigan?

The average annual car insurance rate in Michigan is $2,377, which breaks down to $198.08 per month. Drivers in Flint pay $249.58 per month, which is $51.50 more expensive than the state average.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.