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How much is car insurance in Flint?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Flint are about the same as the rest of Texas.
On the other hand, car insurance rates in Flint are more affordable than the national average. You can expect to pay about $15 below the national average for auto insurance in Flint.
Although these are the average rates for auto insurance in Flint, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for Flint to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may creep back up in Flint.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance coverage, this is not the case in Flint, where female drivers pay around $68 per month while male drivers pay about $62.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Flint with a single accident on their record will usually see rates around $59 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$51|
If you look at the first table above, the cheapest vehicles to insure in Flint are typically SUVs, at $53 per month.
Truck and van drivers will see rates of about $67 to insure their car, while car owners usually pay around $70 per month.
You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Flint are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Flint, with married couples paying about $10 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$100|
Another factor taken into consideration is your housing situation. The average rates for both homeowners and renters in Flint are around $64 per month.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Flint, TX
Recent trends in car insurance for Flint drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
Car insurance rates in Flint increased from 2016-2017, when they hit a high of $69. This shifted in 2018, when they began to turn downward again. They finished down in 2021, at $51 a month
How does Flint compare to neighboring areas?
Why are car insurance rates in Flint different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Access to off-street parking
- Number of car accidents
- Total number of drivers in the community
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Flint?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing auto coverage in Flint in no time.
Flint Insurance FAQs
What factors affect car insurance quotes in Flint?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Flint different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Flint?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Flint?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Flint or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.