Flint, Michigan, the birthplace of a large portion of the auto industry, is also home to higher-than-average auto insurance prices. Motorists in Flint pay an average of $1,252 annually for minimum coverage and $2,995 annually for full coverage car insurance, according to data pulled from Quadrant Information Services. USAA and Progressive offer the cheapest average rates for both full and minimum car insurance coverage on our list.

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Based on our research into average rates, discount offerings, customer service ratings and coverage options, several insurance companies stand out as solid, affordable options. These are our picks for the best cheap car insurance companies in Flint for 2022.

Bankrate Insight
  • The best cheap car insurance company in Flint on our list is USAA, which costs an average of $594 per year for minimum liability and $1,733 per year for full coverage. It is only available to military and qualifying members, however.
  • The cheapest car insurance company in Flint on our list for minimum coverage car insurance is Chubb, costing an average of $457 per year. Its full coverage premiums, however, are the most expensive on our list.
  • The average cost of car insurance in Flint is $1,252 annually for minimum coverage and $2,995 annually for full coverage car insurance.

Best car insurance companies in Flint

To determine Flint’s best car insurance companies, Bankrate’s editorial team sourced the latest rates from Quadrant Information Services. However, there is far more to consider than just price alone. We also looked at the coverage options available from each provider in addition to discounts and resources. Finally, we considered third-party ratings from respected industry leaders, such as AM Best for financial strength and J.D. Power’s 2021 U.S. Auto Insurance Study for customer satisfaction.

Insurance Company J.D. Power Score
(North Central region)
Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico 837 / 1000 $858 $1,733
Auto-Owners 842 / 1,000 $1,120 $2,708
State Farm 851 / 1,000 $2,653 $4,754
Allstate 827 / 1,000 $1,538 $3,099
USAA 895 / 1,000 $594 $1,431

Quadrant Information Services, 2021
*USAA does not qualify for official ranking by J.D. Power due to eligibility restrictions.


Geico is a great option for Flint drivers who want a policy that they can manage themselves. 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. Using the mobile app, policyholders can manage their policies without having to pick up the phone or visit an office. Geico is rated A++ by AM Best for their financial stability and offers a wide range of available coverages and discounts.

Learn more: Geico insurance review


Insuring an expensive or classic car? Auto-Owners may be the place to start, since this option is not provided by some other insurers. The Michigan-based company offers coverage for all kinds of vehicles, from private passenger vehicles to ATVs to motorcycles, with standard and additional options such as gap insurance and roadside assistance. Auto-Owners is also highly rated in the 2021 J.D. Power rankings, placing above-average in customer satisfaction scores.

Learn more: Auto-Owners insurance review

State Farm

Flint is one of the most expensive cities for car insurance. Therefore, any insurance carrier that can offer multiple discounts could be a great 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. For busy customers, the mobile app provides on-the-go services such as filing claims, contacting your agent, making payments and getting roadside assistance.

Learn more: State Farm insurance review


Allstate offers two standout features: the pay-per-mile insurance policy called Milewise and the telematics safe driver program called Drivewise. Both of these options can help Flint motorists save on their annual insurance premium for both minimum and full coverage. There is also a functional mobile app to make policy management, claim filing and bill payments hassle-free.

Learn more: Allstate insurance review


USAA is a fantastic choice to consider for auto insurance if you are a current or past military service member. Families of service members are also eligible. The company says that the average savings for drivers who switch their coverage is over $700. With average annual rates well below Flint’s average rates, it is not difficult to see how qualifying drivers can save so much with USAA.

Learn more: USAA insurance review

Cheapest car insurance in Flint

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 is also more costly than the Michigan state average of $2,309 for full coverage, which is among the most pricey car insurance in the nation already. Some options are a bit more budget-friendly, though. Based on data from Quadrant Information Services, these are some of the cheapest car insurance providers in Flint.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Chubb $457 $2,093
USAA $594 $1,431
MetLife $607 $1,925
Progressive $784 $1,449
Geico $858 $1,733

If you are an active or retired member of the armed forces, USAA offers low-priced full coverage insurance in Flint at $1,431 per year. 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. For Flint motorists, these rates are considerably cheaper than the average minimum coverage price of $1,252 per year and average full coverage price of $2,995 per year, but rates will vary for each individual policyholder.

Flint insurance requirements

Michigan’s minimum liability requirements of 50/100/10 apply in Flint. This means that drivers must carry at least the following coverage amounts to be legally insured:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $10,000 property damage

Because Michigan is a no-fault state, drivers must also carry Personal Injury Protection coverage (PIP), Property Protection Insurance (PPI) and Residual Liability Insurance. Discussing your insurance needs with a licensed agent may be beneficial. An agent can help to ensure that you have the proper coverage for your specific situation.

Drivers considering purchasing minimum coverage should be aware that it may not be enough to cover their financial obligations after an at-fault accident. If damages in an at-fault accident exceed the insurance limits, drivers will have to pay out of pocket for the difference. Additionally, minimum coverage does not offer any coverage for your own vehicle. In order to cover your vehicle, you must add comprehensive and collision coverages.

Car insurance discounts in Flint

Although auto insurance is expensive in Flint, most companies do offer discounts to help offset the cost. Some of the common discounts that are often available to Flint drivers are:

  • Defensive driving: If you provide a certificate of completion from a defensive driving course, you may be eligible for a discount.
  • Safe driving: If you have a clean driving record with no violations or accidents, you may qualify for a discount. Stipulations for how long you must be accident- and ticket-free before qualifying vary between companies.
  • Multi-policy: If you combine multiple lines of insurance from the same provider, such as auto and home insurance, you may get a discount on each policy.
  • Multi-vehicle: If you insure more than one vehicle with the same provider, your vehicles may qualify for this discount.
  • Safe vehicle: If you have certain safety features on your vehicle, such as forward collision warning and side curtain airbags, your vehicle may be eligible for a discount.

It is important to note that each insurance company maintains its own list of discounts and qualifications. Check with your insurance provider to see what discounts you might qualify for.

Frequently asked questions

What is the best car insurance company?

Because car insurance is different for every person, the best provider depends on individual 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.

How much does car insurance in Flint cost?

Full coverage car insurance costs an average of $2,995 a year in Flint, while minimum coverage costs $1,252 per year. The prices can be higher or lower depending on a number of factors, such as driving record, the type of car you are insuring, available discounts and coverage selections.

How much car insurance do I need in Flint?

Insurance is mandatory in Flint and you might also need additional coverage since Michigan is a no-fault state. The minimum requirements to be able to drive legally are 50/100/10, in addition to the required no-fault coverages detailed above. You may want to consider buying additional coverage in order to protect yourself and your vehicle.


Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Rates are determined based on 2020 Quadrant Information Services data.