+120 more*These quotes are from Compare.com users in and around Flint, Michigan within the last 10 days. Updated on October 22, 2026
*These quotes are from Compare.com users in and around Flint, Michigan within the last 10 days. Updated on October 22, 2026
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Updated
The average cost of car insurance in Flint is $195 per month, according to Compare.com data. These relatively high average rates reflect the unique challenges of insuring vehicles in this Michigan city.
Flint residents face higher rates partly due to Michigan’s relatively in-depth insurance requirements. In fact, Michigan residents paid some of the highest car insurance rates in the nation until recent reforms. That said, the Michigan Department of Insurance and Financial Services (DIFS) has implemented several reforms in the past few years to make insurance more accessible throughout the state.[1]
Regardless, many insurance companies offer rates well below the citywide average. Our research shows Auto-Owners, USAA, and Chubb provide some of the most competitive rates in the area, with the cheapest starting at just $76 per month.
In this guide, we’ll cover the cheapest insurers in Flint for various driver types, help you understand how to pick the right company for your needs, and share practical tips for saving on your car insurance in Flint.
Auto-Owners offers the cheapest car insurance in Flint, with an average monthly rate of $76.
Flint drivers pay an average of $141 per month for liability insurance and $248 for full coverage.
Michigan requires drivers to carry minimum liability limits of 50/100/10, personal injury protection (PIP), and $1 million in property protection insurance (PPI).
Even with Michigan’s historically high insurance rates, you can still find affordable options in Flint that won’t wreak havoc on your finances. To start you on your search for cheaper coverage, we’ve highlighted the cheapest car insurance companies in Flint in the table below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $76 |
| USAA | $77 |
| Chubb | $83 |
| Progressive | $113 |
| National General | $116 |
| Safeco | $122 |
| Liberty Mutual | $141 |
| Allstate | $146 |
| Bristol West | $152 |
| Direct Auto | $152 |
| State Farm | $157 |
| GEICO | $176 |
| Travelers | $182 |
| Insurify Car | $191 |
Auto-Owners leads the pack with an average monthly liability rate of $76, making it the most affordable option for many Flint drivers. But keep in mind that Auto-Owners won’t be the cheapest option for every Flint driver. After all, multiple factors influence exactly how much you pay, and each insurance company calculates its rates differently.
In the following sections, we’ll break down the cheapest options based on different driver profiles and coverage needs.
While the companies above provide a good starting point, your personal rates can vary significantly based on factors like your age, driving record, and even your credit history. That’s why it’s crucial to compare quotes from multiple insurers that have experience with drivers similar to you.
Below, you’ll find a comprehensive breakdown of the cheapest insurance companies in Flint for various driver profiles and coverage types, based on our extensive analysis of local rates.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $76 |
| Full coverage | Auto-Owners | $129 |
| Teens | Auto-Owners | $143 |
| Seniors | Auto-Owners | $60 |
| Drivers with a speeding ticket | Auto-Owners | $94 |
| Drivers with an at-fault accident | Auto-Owners | $96 |
| Drivers with a DUI | Auto-Owners | $116 |
| Drivers with excellent credit | Auto-Owners | $58 |
| Drivers with poor credit | Auto-Owners | $109 |
Policies in Flint start as low as $76 per month.
The average rate for minimum liability coverage in Flint is $141 per month, according to our data. But while this basic coverage meets legal requirements, most insurance experts recommend purchasing more than the state minimum. That’s because minimum coverage may not provide adequate protection if you cause a serious accident, potentially leaving you with thousands of dollars in out-of-pocket expenses.[2]
That said, if you’re looking for basic coverage that only meets Michigan’s requirements, check out the five cheapest companies in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $76 |
| USAA | $77 |
| Chubb | $83 |
| Progressive | $113 |
| National General | $116 |
| Safeco | $122 |
| Liberty Mutual | $141 |
| Allstate | $146 |
| Bristol West | $152 |
| Direct Auto | $152 |
| State Farm | $157 |
| GEICO | $176 |
| Travelers | $182 |
| Insurify Car | $191 |
Most drivers should consider purchasing full-coverage insurance for better protection. Full coverage typically includes comprehensive and collision coverage in addition to the state’s minimum requirements, protecting your vehicle against theft, vandalism, and damage from accidents.
If you finance or lease your car, your lender or leasing company will require you to maintain full-coverage insurance throughout your term.[3]
The average full-coverage rate in Flint is $248 per month. But several insurers offer full coverage at prices comparable to what others charge for basic liability protection in Flint.
The chart below highlights the five cheapest insurers in the area for full coverage, according to our data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $129 |
| USAA | $130 |
| Chubb | $141 |
| Progressive | $177 |
| Safeco | $205 |
| Liberty Mutual | $245 |
| National General | $251 |
| GEICO | $263 |
| State Farm | $266 |
| Allstate | $293 |
| Bristol West | $296 |
| Travelers | $309 |
| Direct Auto | $314 |
Teens face some of the highest insurance rates of any age group. In fact, teen drivers are nearly three times as likely to be in a fatal crash as drivers aged 20 and older, according to the Centers for Disease Control and Prevention (CDC). That makes them much riskier for insurers, which means substantially higher rates.[4]
Nationwide, our data shows the average teen pays nearly double what someone 20 or older pays for the same coverage. In Flint, the average rate for teen drivers is $311 per month. Despite these high rates, it’s still possible to find more affordable options if you’re a teen driver or have one on your policy.
The chart below shows the five cheapest insurers in Flint for teens, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $131 |
| Auto-Owners | $143 |
| Chubb | $158 |
| Progressive | $180 |
| National General | $215 |
| Liberty Mutual | $229 |
| Allstate | $233 |
| Safeco | $235 |
| Bristol West | $250 |
| Direct Auto | $277 |
| State Farm | $283 |
| GEICO | $297 |
| Insurify Car | $305 |
| Travelers | $354 |
On the other hand, seniors typically enjoy some of the lowest car insurance rates of any age group. The Insurance Institute for Highway Safety (IIHS) found that older drivers tend to have fewer accidents than younger ones and often drive fewer miles, which helps keep their rates lower.[5]
In Flint, seniors pay an average of $167 per month for car insurance. But even with these relatively low average rates, you can likely find even better deals from several companies that specialize in insuring older drivers.
To give you a better idea, the chart below shows the five cheapest insurers in Flint for seniors, according to our data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $60 |
| USAA | $62 |
| Chubb | $62 |
| National General | $91 |
| Progressive | $97 |
| Safeco | $106 |
| Liberty Mutual | $116 |
| State Farm | $123 |
| Direct Auto | $123 |
| Allstate | $125 |
| Bristol West | $126 |
| GEICO | $139 |
| Travelers | $145 |
| Insurify Car | $164 |
Getting a speeding ticket typically causes your insurance rates to increase the next time your policy renews. Insurers view traffic violations as indicators that you’re more likely to be involved in an accident in the future, which could mean costly insurance claims.[6]
In fact, our research shows that even a single speeding ticket leads to an average rate increase of 28% nationwide. In Flint, drivers with a recent ticket pay an average of $225 per month for coverage. That said, several insurers specialize in helping drivers with less-than-perfect records find more affordable rates, including the ones featured in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $94 |
| USAA | $95 |
| Chubb | $101 |
| Progressive | $131 |
| National General | $139 |
| Safeco | $154 |
| Allstate | $169 |
| Liberty Mutual | $172 |
| Direct Auto | $184 |
| Bristol West | $185 |
| State Farm | $191 |
| Insurify Car | $221 |
| GEICO | $222 |
| Travelers | $226 |
Causing an accident can result in a substantial jump in your insurance rates because it signals to insurers that you’re more likely to file future claims. Insurance companies typically look back at your driving history for the past three to five years when determining rates, and a single accident means higher bills as long as it’s on your record.
Our research indicates that a single at-fault accident causes average insurance rates to increase by 33% nationwide. In Flint, the average rate for drivers with a recent accident is $230 per month. But you can often find a better deal with one of the five insurers highlighted in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $96 |
| USAA | $98 |
| Chubb | $105 |
| Progressive | $133 |
| National General | $146 |
| Safeco | $161 |
| Allstate | $172 |
| Liberty Mutual | $178 |
| Bristol West | $191 |
| Direct Auto | $197 |
| State Farm | $198 |
| GEICO | $221 |
| Insurify Car | $225 |
| Travelers | $234 |
A DUI conviction causes the sharpest increase in car insurance rates of any traffic incident. Our research shows that nationwide, average rates increase by a staggering 59% following a DUI conviction.
Even beyond higher rates, getting a DUI can make it challenging to find coverage at all, and it may also trigger requirements for SR-22 insurance certification, which proves you have the minimum required coverage.[7]
The good news is that some insurers specialize in covering high-risk drivers, including people with DUI convictions. In Flint, drivers with a DUI pay an average of $314 per month for auto insurance, but you’re not necessarily stuck paying sky-high premiums.
The chart below shows the five cheapest insurers in Flint for people with DUIs, according to our data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $116 |
| USAA | $117 |
| Chubb | $126 |
| National General | $176 |
| Progressive | $182 |
| Safeco | $204 |
| Liberty Mutual | $215 |
| Bristol West | $231 |
| Direct Auto | $231 |
| Allstate | $235 |
| State Farm | $239 |
| GEICO | $270 |
| Travelers | $277 |
| Insurify Car | $308 |
Some insurance companies consider your credit history when calculating your rates. These insurers use what’s called a “credit-based insurance score” to determine your likelihood of filing claims or defaulting on payments.[8]
While insurers can’t deny you coverage simply because of your credit, it can lead to much higher rates. In fact, our research shows that drivers with poor credit pay 40% more than those with excellent credit scores.
In Flint, the average car insurance rate for people with poor credit is $215 per month. But not all companies weigh credit scores equally, and some offer very competitive rates regardless of your credit history.
The chart below shows the five cheapest insurers in Flint for drivers with bad credit.
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| Auto-Owners | $109 |
| Progressive | $125 |
| Chubb | $127 |
| National General | $135 |
| Safeco | $142 |
| Liberty Mutual | $158 |
| Allstate | $161 |
| Bristol West | $177 |
| Direct Auto | $177 |
| GEICO | $194 |
| Travelers | $203 |
| Insurify Car | $211 |
| State Farm | $218 |
Compare personalized quotes from Flint’s top insurers.
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Michigan, like most states, requires all drivers to maintain a minimum level of car insurance coverage. Drivers in Flint must have at least the following coverages:[9]
$50,000 per person and $100,000 per accident in bodily injury liability
$10,000 in property damage liability
$1 million in property protection insurance (PPI)
Most insurance experts recommend buying coverage above Michigan’s minimum limits. In many cases, minimum coverage isn’t enough to cover a serious accident with multiple injuries or significant property damage.
Imagine you cause an accident that totals someone’s $30,000 vehicle, and you have only the minimum $10,000 in property damage liability. In this scenario, you could be personally responsible for paying the remaining $20,000 out of your own pocket.
Here are answers to some commonly asked questions about car insurance in Flint.
The average cost of basic liability insurance in Flint is $141 per month, while full coverage averages $248, according to our data. But your rates will likely vary based on factors like your driving history, credit score, and the coverage options you choose.
It depends on several factors, including your driving record, address, vehicle type, and coverage needs. Compare.com data shows that the average rate in Flint is $195 per month, compared to the national average of $143. While Michigan has historically had some of the highest rates in the nation, recent reforms have helped bring costs down.
Auto-Owners offers the cheapest average car insurance rates in Flint, just $76 per month, according to Compare.com data. That said, the cheapest company for you will depend on your specific circumstances and coverage needs.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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