Cheap Car Insurance in Flint, MI for April, 2024

After thorough research, we have arrived at the conclusion that USAA offers the cheapest car insurance quotes in Flint.

min read
Updated: 18 March 2024
Written by
Bob Phillips
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Residents of Flint, also known as “The Vehicle City,” have a deep appreciation for automobiles and understand the importance of car insurance. However, they also know how expensive it can be to insure their vehicles.

To assist Flint residents in obtaining the most affordable auto insurance rates, we’ve researched numerous top insurers and found that USAA offers the most economical auto insurance in Flint by a significant margin. This is noteworthy considering the average annual rate for car insurance in Flint is $3,714, which is considerably higher than the state average of $3,176.

If you’re seeking a comprehensive and independent insurance review that will help you save money based on your driving history and the amount of coverage you need, you’ve come to the correct place. We’ll guide you in the proper direction to find the right car insurance policy that is not only the most inexpensive overall (USAA), but also the most affordable for complete coverage (GEICO), minimum coverage (Nationwide), young adults (Chubb), and seniors (Chubb).

Top Cheap Car Insurance in Flint, MI 2024

Cheapest Car Insurance, Flint 2024

Read on to learn the important facts about each of these companies so you can make an educated decision and find the right car insurance policy from one of these top car insurance companies in Flint.

Compare the cheapest auto insurance in Flint, MI

Overall Rating Best For J.D. Power Rating Average Annual Cost AM Best Rating Get A Quote
Nationwide
4.8

Cheapest Minimum Coverage

787

$989

A+

Instant Quote
USAA
4.9

Cheapest Overall

876

$1,471

A++

Instant Quote
GEICO
4.9

Cheapest Full Coverage

824

$2,617

A++

Instant Quote
Chubb
4.8

Cheapest for Young Adults

NR

$3,860

A++

Instant Quote
Chubb
4.7

Cheapest for Seniors

NR

$1,931

A++

Instant Quote
Scroll to see comparisons

Our methodology

In search of the most economical auto insurance rates in Flint, we conducted a thorough examination of data from several car insurance review sites. We also considered rates obtained from public filings acquired by Quadrant Information Services, as well as my own subjective viewpoint as a licensed insurance agent with over fifteen years of experience and more than three decades of purchasing car insurance.

71

Quotes Analzed

15+

Years Of Industry Experience

22

Brands Reviewed

32+

Research Hours

Compare the Cheapest Car Insurance Companies in Flint, MI


Cheapest Overall

Overall Rating
4.9

Key Statistics

10/10 Affordability
10/10 Customer satisfaction/reviews
9/10 Claims/payouts
9/10 Coverage level

Why We Like Them

Drivers in Flint who have a military background or come from a military family may qualify for USAA auto insurance, which we discovered to be the most affordable option among companies in Flint that don’t require bundling with other types of insurance.

USAA, in addition to providing the cheapest car insurance rates in Flint, offers policyholders a range of discounts, such as:

  • Responsible driver
  • Insure a new car
  • Bundle multiple policies
  • Be a loyal member
  • Install anti-theft devices

USAA’s standard coverage plan provides comprehensive insurance and collision coverage in the event of accidents, theft, vandalism, fire, or weather-related incidents. Furthermore, it safeguards a policyholder’s finances if they are held responsible for property damage or bodily injury. If you are involved in an accident with someone who is either uninsured or underinsured, USAA provides coverage for your injuries, vehicle damage, and lost wages in case you are unable to work.

USAA has an outstanding website and mobile app that allows you to report a claim, track its progress, get roadside assistance, schedule vehicle inspections, and access other services while also enabling you to communicate with your adjuster through a chat feature.

In addition to its low rates, USAA has the highest customer satisfaction scores from JD Power out of all the insurers we reviewed. The company is well-known for its member loyalty, owing to its excellent customer service.

Benefits & Drawbacks

Benefits
  • Highest customer satisfaction ratings for auto insurance.
  • Offers a one-stop-shop for insurance, banking, and investing products.
  • Provides policies in all states and Washington, D.C.
Drawbacks
  • Limited availability as it is only offered to active military personnel, veterans, and their families

Cheapest Overall Rates in Flint

Company Rate Per Year
USAA $1,388
Auto-Owners Insurance Co. $1,407
State Farm $2,406
GEICO $2,728
AAA $4,707

Cheapest For Full Coverage

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer satisfaction/reviews
9/10 Claims/payouts
9/10 Coverage level

Why We Like Them

While USAA offers lower rates than GEICO, GEICO takes the top spot in this category because it is available to everyone, unlike USAA, which is restricted to active military, veterans, and their families.

In Flint and throughout the state of Michigan, full insurance coverage is described as an auto insurance policy that includes comprehensive insurance and collision coverage in addition to at least the state’s minimum required coverage (basic coverage). Personal injury protection and property protection insurance are also included in full insurance coverage.

In addition to providing the most affordable full auto insurance coverage in Flint, GEICO also boasts strong ratings in areas such as customer service, policy renewals, claims handling, customer recommendations, and customer loyalty.

Full insurance coverage in Michigan includes:

  • Bodily injury liability insurance: $50,000 per person / $100,000 per accident
  • Property damage liability insurance: $10,000
  • Property protection insurance: $1,000,000
  • Personal injury protection: $250,000 with exceptions for drivers who have Medicare or Medicaid
  • Collision insurance: covers up to the value of the vehicle
  • Comprehensive insurance: covers up to the value of the vehicle

When purchasing a vehicle on finance, lenders typically demand full coverage insurance that not only meets state minimums but also includes comprehensive and collision coverage.

Benefits & Drawbacks

Benefits
  • According to J.D. Power, the insurance company has high customer satisfaction ratings for auto insurance.
  • The company has a robust website and mobile app that make it easy to manage policies and file claims
  • Many discounts are available to help customers save money.
Drawbacks
  • The company has a limited network of local agents, which could make it difficult for some customers to get in-person support.
  • The company doesn't offer gap or rideshare insurance, which may be a disadvantage for some customers who need these types of coverage.

Cheapest Full Coverage Rates in Flint

Company Rate Per Year
GEICO $2,732
Progressive $3,502
Auto-Owners $5,019
Frankenmuth $6,613
Farm Bureau $10,475

Cheapest Minimum Coverage

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer satisfaction/reviews
9/10 Claims/payouts
9/10 Coverage level

Why We Like Them

Nationwide is a leading insurance provider that offers both full and minimum coverage in Flint, but it is particularly cost-effective in offering the minimum coverage mandated by the state. The minimum coverage requirements in Flint and throughout Michigan are:

  • Bodily injury liability insurance: $50,000 per person / $100,000 per accident
  • Personal injury protection: $250,000 with exceptions for drivers who have Medicare or Medicaid
  • Property damage liability insurance: $10,000
  • Property protection insurance: $1,000,000
  • With minimum coverage, policyholders are not obligated to purchase comprehensive insurance and collision insurance on top of basic coverages.

Nationwide not only provides standard coverage but also offers additional coverage benefits through its loyalty rewards program, which is open to all policyholders regardless of their coverage level. These benefits include:

  • Minor accident forgiveness: Nationwide’s insurance rates will not increase if you have a minor accident or fender bender, even if it is your fault, as long as the repairs are under Nationwide’s accident threshold. This extra coverage has no limit on the number of accidents you have.
  • Guaranteed repairs for life: If you get your vehicle fixed at one of the auto repair shops in Nationwide’s network, your repairs are guaranteed for life.
  • Waive auto and homeowners insurance deductible: Nationwide will waive your auto and homeowners insurance deductible or reimburse you for the lowest deductible if you have a covered loss that affects both your car and home.

Nationwide makes managing your auto insurance easy with its website and mobile app. Through these platforms, you can report a claim, obtain insurance ID cards, and manage your auto insurance policy details. Additionally, Nationwide has a dedicated app for its SmartRide program that tracks your driving habits and rewards safe driving behavior with discounts on your premiums.

Benefits & Drawbacks

Benefits
  • Low number of complaints to state regulators for an insurer its size
  • Many discounts available for customers
  • Generous perks for loyal customers
Drawbacks
  • J.D. Power score for car insurers is below average
  • Above-average premiums for drivers with a DUI

Cheapest Minimum Coverage Rates in Flint

Company Rate Per Year
Nationwide $979
Auto Owners $1,815
GEICO $1,883
Progressive $2,158
MetLife $2,421

Cheapest for Young Adults

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer satisfaction/reviews
10/10 Claims/payouts
10/10 Coverage level

Why We Like Them

Although young adults are known to have a higher rate of accidents, they do not have to settle for expensive auto insurance rates. Chubb is the best choice for younger drivers looking for affordable coverage in Flint.

Chubb’s reputation for providing premium insurance coverage to high-income clients is well-known, but their rates for younger drivers in Flint are the cheapest around making it one of the best insurance solutions for inexperienced and young drivers. Their Masterpiece auto insurance policy caters to owners of expensive vehicles but is available for drivers of all ages. Some of the benefits include:

  • Rental car reimbursement: Chubb offers generous coverage of up to $15,000 to rent a car with no per-day limit.
  • OEM parts coverage: Chubb doesn’t just cover the cost of cheaper aftermarket parts but also pays for original equipment manufacturer (OEM) parts.
  • Worldwide rental car coverage: Chubb’s policy extends to damage to a rental car you drive anywhere in the world, which is perfect for young adults studying abroad.
  • Lifetime repair guarantee: If your vehicle is fixed at a Chubb-certified shop, the company provides a lifetime guarantee for the repairs.
  • Lock and key replacement: Chubb provides lock and key replacement with no deductible.
  • Removal of personal information: Chubb will delete personal data stored in the car’s systems, such as GPS addresses, phone contacts, and garage door codes if your vehicle is totaled.

Benefits & Drawbacks

Benefits
  • Offers the best rates for young drivers overall
  • Provides generous coverage and perks for high-end customers
  • Received fewer complaints than expected for auto insurance
Drawbacks
  • Chubb has above-average rates for adults
  • Fewer agents represent Chubb than many other car insurers

Cheapest Coverage for Young Adults

Company Rate Per Year
Chubb $3,865
GEICO $3,942
Auto-Owners $5,197
Hastings Mutual $6,783
Progressive $7,191

Cheapest for Seniors

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer satisfaction/reviews
10/10 Claims/payouts
10/10 Coverage level

Why We Like Them

Car insurance rates for adults aged 60 and over are typically lower due to their clean driving records, higher credit scores, and years of experience on the road. Insurers recognize this group as lower-risk and offer policies at lower rates.

Chubb, though known for its high-end vehicle coverage, is still the cheapest option for seniors due to the average value of their cars being higher than that of younger drivers. Chubb’s “concierge service” is especially popular among the senior market, as it provides personalized and attentive treatment to policyholders filing claims.

While younger drivers may prefer communicating through mobile apps, Chubb recognizes that many seniors prefer speaking with a live customer service representative, which they make readily available to their clients.

Overall, Chubb offers excellent value to older drivers with its comprehensive coverage and abundant customer service.

Benefits & Drawbacks

Benefits
  • Top financial strength rating of A++ by AM Best
  • Plenty of coverage options to choose from
  • Offers multiple policies for household insurance needs
Drawbacks
  • Online quotes are not available
  • Fewer agents represent Chubb compared to other car insurers

Cheapest Coverage for Seniors

Company Rate Per Year
Chubb $1,917
GEICO $2,232
MetLife $2,656
Wolverine Mutual $3,047
Fremont $3,251

Average cost of car insurance in Flint

Insurance Company Average Monthly Insurance Quote
USAA $214
GEICO $331
Safeco $362
State Farm $447
Bristol West $673

Average cost in Flint – by age

Age Group Average Monthly Rate
Teenagers $1,586
Under 25 $1,161
25-29 $1,146
30s $863
40s $944
50s $761
60s $674
70s $535
80+ $551

Average cost in Flint – by gender

Gender Annual Rate
Female $5,255
Male $5,277

Average cost in Flint – by marital status

Marital Status Average Monthly Cost
Single $691
Married $731

Average monthly cost in Flint with an accident

Insurance Company Clean Record At-Fault Accident
USAA $253 $381
GEICO $414 $589
Safeco $486 $656
State Farm $523 $798
Bristol West $702 $1,245

Average monthly cost in Flint – by credit tier

Very poor: $1,471
Fair: $931
Good: $856
Exceptional $790

Average cost in Flint – by zip code

ZIP Code Average Annual Rate
48228 $6,324
48219 $5,991
48235 $6,243
48227 $6,678
48224 $6,430
48221 $6,312
48205 $6,560
48234 $6,221
48210 $6,437
48209 $6,212

Minimum auto insurance requirements in Michigan

Michigan requires a minimum level of auto insurance coverage to drive legally. When shopping for car insurance in the state, it’s important to keep in mind that you must have at least the required minimum coverage.

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property protection within Michigan: $1 million
  • Personal injury protection: $250,000 (lower limits are allowed for some Medicare and Medicaid recipients)
  • Property damage liability per accident outside Michigan: $10,000

In Michigan, it’s essential to carry the minimum coverage required by law. However, depending on your vehicle type and driving habits, you may want to consider adding collision and comprehensive coverage or raising your coverage limits on top of your basic coverage. These additional coverages can provide additional protection and peace of mind on the road.

How to buy car insurance in Flint

When it comes to purchasing auto insurance in Flint, the process doesn’t have to be complicated or time-consuming. Whether you prefer the traditional method of working with an agent or the convenience of shopping online, following these steps will help you save both time and money.

Do your information gathering

To ensure a smooth and efficient process when shopping for car insurance in Flint, it’s important to have all the necessary information at hand before speaking with an agent or going online to request an insurance quote.

  • Name and birthdate of everyone who will be on the car insurance policy
  • Drivers license numbers for each person to be covered
  • Driving history for all drivers, including tickets, accidents, or any other violations
  • Your current insurer, if applicable, and your current coverage limits
  • Facts about the car: make, model, vehicle identification number, safety features, current odometer reading, annual miles driven

Determine your coverage needs

To ensure you get the right amount of coverage, it’s essential to determine your insurance needs. If you’re not sure where to start, you can use Michigan’s minimum auto insurance requirements as a guide.

  • Bodily injury liability per person: $50,000
  • Property protection within Michigan: $1 million
  • Personal injury protection: $250,000 (lower limits are allowed for some Medicare and Medicaid recipients)
  • Bodily injury liability per accident: $100,000
  • Property damage liability per accident outside Michigan: $10,000

If you’re feeling uncertain about how much coverage you should get, don’t hesitate to reach out to an agent who can provide expert advice on the matter. With their experience and knowledge of the industry, they can help you assess your specific needs and tailor a policy to fit your budget and circumstances

Choose your buying method

When shopping for car insurance in Flint, you have a few options to get the cheapest rate possible. The first is to work with an insurance agent. There are different types of agents, including captive agents who work for a single insurance company like Nationwide or State Farm, and auto insurance brokers who represent multiple companies like Progressive or Geico. Additionally, specialty agencies can help those with a poor driving records, such as recent accidents, DUIs, tickets, or lapses in coverage.

The second way to buy car insurance in Flint is by purchasing it directly from an insurer online. This method eliminates the need to speak with an agent or representative. Instead, you can enter your information, and the website will generate quotes with all of your policy options and pricing. Once you have found a policy that works for you, you can complete the application online.

Ultimately, the method you choose will depend on your preference for interacting with an agent or representative. Both options can be effective in helping you find the cheapest car insurance in Flint.

Compare companies

To ensure you’re getting the best deal on auto insurance, it’s important to get quotes from multiple companies. Aim to get at least three quotes and be sure to compare apples to apples by asking for quotes with the same coverage limits. Once you have your quotes, it’s a good idea to check the National Association of Insurance Commissioners website to see if any consumer complaints have been filed against the insurer.

By taking these steps, you’ll be able to make an informed decision and select the best car insurance company and policy for your needs. Don’t rush the process, and remember that a little bit of research can go a long way in finding the right coverage at a price you can afford.

Buy your new policy and cancel your old one

When you’re purchasing a new car, it’s important to have auto insurance in place before you drive it off the lot. If you’re replacing coverage on an existing vehicle, reach out to your previous insurer and cancel the policy once your new coverage has taken effect. Keep in mind that if you cancel mid-term, you may be subject to a cancellation fee, but you should receive a refund for any unused premium.

Factors that impact the cost of your car insurance policy in Flint

There are many factors that go into determining the cost of auto insurance in Flint. Insurance companies consider several elements when calculating the premium for your policy, including:

  • State requirements: As required by the state of Michigan, your car insurance policy must have at least the minimum coverage required.
  • Your age: Car insurance rates can vary significantly based on age. Younger drivers will generally pay more than older drivers because of their lack of driving experience and higher frequency of accidents. Rates typically start to decrease after age 25.
  • Car make and model: The safer the car you drive, the lower your insurance rates will be. For instance, a Ford Mustang GT will generally cost at least twice as much to insure as a Ford Focus with a 4-cylinder engine.
  • Your driving record: If you have been involved in accidents or received traffic violations, your auto insurance rates may increase as you are perceived as a higher risk to insurers.
  • Yearly mileage: Drivers with a long commute typically pay more for insurance than those who only drive for leisure.
  • Credit history: A better credit score typically results in lower insurance rates. Insurers see individuals with good credit as more responsible and less of a risk than those with poor credit.
  • Zip code: Your work location and where you park your car at night can have an impact on your insurance rate. You might get a discount or a rate increase depending on the likelihood of your vehicle being damaged in your area.
  • Marital status: Married drivers usually get lower rates since they are less expensive to insure than single drivers.
  • Gender: Men around age 45 tend to pay an average of 6% less than women of the same age, but the gender gap tends to even out for drivers in their 30s.

Car insurance discounts in Flint

Compared to other cities in Michigan, car insurance rates in Flint can be high, so it’s important to look for discounts to help reduce costs. Several discounts are available that you can take advantage of to get a lower rate on your auto insurance, including:

  • Good driving history
  • Customer loyalty
  • Being claims-free
  • Vehicle safety features
  • Low mileage discount
  • Good student discount
  • Military discount
  • Senior discount

Michigan car insurance laws to know

To drive legally in Michigan, it’s mandatory to have a minimum of 50/100/10 in liability insurance, personal injury protection (PIP) coverage, and at least $1 million in property protection insurance.

In accordance with Michigan’s no-fault insurance law, drivers must carry a valid proof of insurance that demonstrates they have PIP, property protection insurance (PPI), and third-party liability coverage. This law guarantees that anyone injured in a car accident can receive reimbursement from their own insurance company, regardless of who caused the accident.

In the news

According to a recent report by Repairer Driven News, car insurance premiums are anticipated to rise by an average of 8.4% this year. After a modest 0.6% decline in 2022, this increase marks the most significant rate hike since 2017.

Information about Flint

Flint is a city in the U.S. state of Michigan and the seat of Genesee County. It is located in the eastern central part of Michigan, about 66 miles northwest of Flint. The Flint River runs through the city and is a major contributor to its history as a manufacturing hub.

“Flint” is a word almost universally associated with the American automobile industry as well. The city is also known for its contributions to the music industry, with a rich history in jazz, blues, and gospel music.

Once a major industrial center, Flint has seen a significant decline in population since the 1960s, with many residents moving to the suburbs. However, the name Flint is still used to refer to the Flint metropolitan area, which has a population of 406,892. It is currently the seventh-largest city in Michigan.

FAQs

What is the cheapest car insurance in the state of Michigan?

Based on recent market research, it has been found that Travelers offers the most affordable auto insurance rates for good drivers in Michigan, while Secura is the most cost-effective option for full coverage.

How much does auto insurance cost in Flint on average?

Flint drivers face high car insurance costs, with an average yearly premium of $????

Do I need car insurance in Flint?

In Michigan, it is mandatory for all drivers to have auto liability insurance, and this applies to Flint drivers as well.

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