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How much is car insurance in Flint?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Flint is in line with pricing for the rest of Texas.
Car insurance rates in Flint are more affordable than the national average. The average monthly payment for the United States as a whole is about $16 more expensive than in Flint.
Although these are the average monthly costs for an auto insurance policy in Flint, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The monthly premium 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 sweat it however, we've broken down the average rate for Flint residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Flint drivers may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for insurance coverage, this is not the case in Flint, where female drivers pay around $67 per month while male drivers pay about $63.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Flint, having a single accident on your record will usually get you rates around $59 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $54.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$53|
The cheapest vehicles to insure in Flint are usually SUVs, with each type typically costing about $55 per month.
Truck and van drivers will see rates of about $66, while the rates for car owners average out to about $70 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few 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|
On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Flint is no exception, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$100|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than if you own your own home in Flint. But those who live at home with their parents can expect to pay significantly more.
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
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Flint, the rates for auto insurance had been decreasing from 2017-2019, before steadying out in 2020. Car insurance rates finished up in 2022, at $124 a month
How does Flint compare to neighboring areas?
Why are car insurance rates in Flint different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Amount of drivers in the region
- Road Safety (total number of local car accidents)
- Access to off-street parking
- Community laws
- Local crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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.
Luckily, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Flint.
Flint Insurance FAQs
What factors affect car insurance quotes in Flint?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Flint different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Flint?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Flint?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Flint or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.