Flint, Michigan is home to some of the highest-than-average auto insurance rates. It is the birthplace for a large part of the auto industry. According to data from Quadrant Information Services, Flint residents pay on average $1,252 per year for minimum coverage, and $2,995 for full coverage. Our list shows that Progressive and USAA offer the lowest average rates for full and minimal car insurance coverage.
We found that several insurance companies are solid and affordable options based on our research about average rates, discounts, customer service ratings, and coverage options. These are our top picks for cheap Flint car insurance for 2021.
The best car insurance companies of Flint
To determine Flint’s best car insurance companies, Bankrate’s editorial team sourced the latest rates from Quadrant Information Services. There is more to it than price. We also considered the coverage options offered by each provider, as well as discounts and other resources. We also considered third-party ratings provided by industry leaders like AM Best for financial strength or J.D. Power’s 2021 U.S. Auto Insurance Study for customer satisfaction.
Flint drivers looking for a policy they can manage on their own will love Geico. A wide range of online tools and resources makes it easy for customers to manage their policy, whether they want to pay bills, get in touch with a representative or file a claim. Policyholders can access their policies via the app on the go. AM Best rates Geico A++ for financial stability. They offer a wide variety of coverages and discounts.
How do you insure a classic or expensive car? Because this option is not offered by other insurance companies, Auto-Owners might be the best place to start. The Michigan-based company provides coverage for all types of vehicles, including private passenger cars, ATVs and motorcycles. It also offers standard and optional options like gap insurance and roadside assistance. The 2021 J.D. also highly rates Auto-Owners. Power rankings are above-average in customer satisfaction scores.
Flint is one of most expensive places for car insurance. Any insurance company that offers multiple discounts is a good option. State Farm has a long list of discounts that can lower your annual premium by up to 25 percent. Being accident-free for three years or more, being a driver under 25 with no violations, combining multiple lines of insurance and using the telematics Drive Safe & Save program are some of the ways to save with State Farm. The mobile app offers convenient services for busy customers such as filing claims, contacting an agent, making payments, and providing roadside assistance.
Two standout features of Allstate are the Milewise pay-per mile insurance policy and Drivewise telematics safe driving program. These options allow Flint drivers to save money on their annual insurance premiums for full and minimum coverage. A mobile app is available to manage policy, file claims and pay bills.
If you’re a military veteran, USAA is an excellent choice for auto insurance. Service members’ families are also eligible. According to the company, drivers who change their coverage will save an average of $700. It is easy to see how USAA can help qualifying drivers save so much, with average annual rates that are well below Flint’s average rates.
Flint has the lowest car insurance
Compared to the national average of $1,674 annually for full coverage, car insurance in Flint is significantly more expensive. Flint’s average car insurance premium for full coverage is $2,309 higher than that of Michigan. This is one of the most expensive car insurance policies in the country. However, there are some options that may be more affordable. These are the best Flint car insurance providers, according to data from Quadrant Information Service.
USAA provides low-priced full coverage insurance for Flint for $1,431 each year if you are an active member or retired member. Progressive has the second-lowest full coverage in Flint at $1,449 per year, while Geico and MetLife follow at $1,733 annually and $1,925 annually respectively. For drivers looking for the lowest-priced minimum coverage, Chubb may be a good option. These rates are significantly cheaper than the average minimum coverage price at $1,252 per annum and the average full coverage price at $2,995 per annum. However, rates will differ for each policyholder.
Flint insurance requirements
Michigan’s minimum liability requirements of 50/100/10 apply in Flint. To be legally insured, drivers must have at least the following coverage:
- $50k bodily injury liability per individual
- Accidental bodily injury liability of $100,000
- $10,000 damage to property
Because Michigan is a no-fault state, drivers must also carry Personal Injury Protection coverage (PIP), Property Protection Insurance (PPI) and Residual Liability Insurance. A licensed agent can help you discuss your insurance needs. An agent can help you make sure that you have the right coverage for your particular situation.
Minimum coverage is not enough to cover financial obligations for drivers who are considering buying it. Drivers will be responsible for any excess damages resulting from an at-fault collision that exceed the insurance limits. You cannot also get minimum coverage for your vehicle. You will need collision and comprehensive coverages to protect your vehicle.
Flint Discounts on Car Insurance
Auto insurance in Flint is quite expensive, but most companies offer discounts to offset that cost. These discounts are common for Flint drivers:
- Defensive driving: You may be eligible for a discount if you present a certificate from a defensive driving class.
- You may be eligible for a discount if you are safe driving. Companies have different requirements about how long you must stay accident- and ticket-free to qualify.
- Multi-policy: You may be eligible for a discount if you combine multiple lines from the same insurance provider (e.g. auto and home).
- Multi-vehicle Discount: Your vehicles could be eligible for this discount if you have more than one vehicle insured with the same provider.
- Safety vehicle: Your vehicle may qualify for a discount if it has certain safety features, such as side curtain airbags and forward collision warning.
Important to remember that every insurance company has its own list and qualification criteria. To find out what discounts might be available, check with your insurance company.
Questions frequently asked
Which is the best auto insurance company?
Car insurance is unique for each person. The best provider will depend on your needs and budget. In general, the best car insurance companies are the ones that have made a mark with their excellent customer service, reasonable rates and a variety of coverage options.
What is the cost of car insurance in Flint?
Flint’s average cost for full coverage car insurance is $2,995 per year. Minimum coverage costs $1,252 annually. Prices can vary depending on many factors such as your driving record, car type, discounts available, and coverage selections.
What amount of car insurance do you need in Flint?
Flint residents must have insurance. You may also need additional coverage, as Michigan is a no fault state. To be legally able to drive, you must meet the minimum requirements of 50/100/10. This is in addition to the no-fault coverages required above. To protect your vehicle and yourself, you might consider purchasing additional coverage.