You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the lector. Our finish is to give you the best advice to help you make smart personal finance decisions. We follow rigorous guidelines to ensure that our column contented is not influenced by advertisers. Our column team receives no mastermind compensation from advertisers, and our capacity is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable data. We respect your trust. Our deputation is to provide readers with accurate and indifferent information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ rhenium reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive aim recompense from our advertisers. Bankrate follows a hard-and-fast editorial policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate contentedness to help you make the correct fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first base. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer serve, policy features and savings opportunities — sol you can feel confident about which provider is correct for you. Bankrate follows a rigorous editorial policy, so you can trust that we ’ re putting your interests first gear. All of our content is authored by highly qualified professionals and reviewed by subject matter experts, who ensure everything we publish is aim, accurate and worthy of your trust. Founded in 1976, Bankrate has a long track criminal record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take future. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Flint, Michigan, the birthplace of a large part of the car industry, is besides home to higher-than-average car policy 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. Based on our inquiry into average rates, deduction offerings, customer service ratings and coverage options, respective indemnity companies stand out as firm, low-cost options. These are our picks for the best cheap car policy companies in Flint for 2022. light bulb
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 ’ sulfur best car policy companies, Bankrate ’ s editorial team sourced the latest rates from Quadrant Information Services. however, there is far more to consider than good price alone. We besides looked at the coverage options available from each provider in addition to discounts and resources. ultimately, we considered third-party ratings from respected industry leaders, such as AM Best for fiscal intensity and J.D. Power ’ sulfur 2021 U.S. Auto Insurance Study for customer gratification .
| 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
Geico is a big option for Flint drivers who want a policy that they can manage themselves. A wide compass of on-line tools and resources makes it easy for customers to manage their policy, whether they want to pay bills, get in tint with a congressman or file a claim. Using the mobile app, policyholders can manage their policies without having to pick up the phone or visit an agency. Geico is rated A++ by AM Best for their fiscal constancy and offers a wide stove of available coverages and discounts. Learn more : Geico indemnity review
Read more: The 7 Best Car Insurance Companies (2022)
Auto-Owners
Insuring an expensive or classic car ? Auto-Owners may be the set 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 extra options such as break policy and roadside aid. Auto-Owners is besides highly rated in the 2021 J.D. Power rankings, placing above-average in customer satisfaction scores. Learn more : Auto-Owners policy review
State Farm
flint is one of the most expensive cities for car indemnity. consequently, any insurance carrier that can offer multiple discounts could be a great option. State Farm has a long tilt of discounts that can lower your annual premium by up to 25 percentage. Being accident-free for three years or more, being a driver under 25 with no violations, combining multiple lines of policy and using the telematics Drive Safe & Save platform 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 wayside aid. Learn more : state farm indemnity review
Allstate
Allstate offers two standout features : the pay-per-mile indemnity policy called Milewise and the telematics safe driver program called Drivewise. Both of these options can help Flint motorists save on their annual indemnity agio for both minimum and fully coverage. There is besides a functional mobile app to make policy management, claim charge and bill payments hassle-free. Learn more : Allstate insurance review
USAA
USAA is a fantastic choice to consider for car indemnity if you are a stream or by military service penis. Families of service members are besides 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 wax coverage, car indemnity in Flint is importantly more expensive. Flint ’ s average car policy premium is besides more dearly-won than the Michigan express average of $ 2,309 for full coverage, which is among the most costly car policy in the nation already. Some options are a spot 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 retire extremity of the arm forces, USAA offers low-cost broad coverage policy in Flint at $ 1,431 per year. Progressive has the second-lowest full moon coverage in Flint at $ 1,449 per year, while Geico and MetLife follow at $ 1,733 per annum and $ 1,925 per annum respectively. For drivers looking for the lowest-priced minimum coverage, Chubb may be a good option. For Flint motorists, these rates are well cheaper than the average minimum coverage monetary value 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 follow 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 besides carry Personal Injury Protection coverage ( PIP ), Property Protection Insurance ( PPI ) and Residual Liability Insurance. Discussing your policy needs with a license agent may be beneficial. An agent can help to ensure that you have the proper coverage for your specific position. Drivers considering purchasing minimum coverage should be aware that it may not be enough to cover their fiscal obligations after an at-fault accident. If damages in an at-fault accident exceed the policy limits, drivers will have to pay out of pouch for the remainder. additionally, minimal coverage does not offer any coverage for your own vehicle. In regulate to cover your vehicle, you must add comprehensive and collision coverages .
Car insurance discounts in Flint
Although car policy is expensive in Flint, most companies do offer discounts to help offset the monetary value. Some of the coarse discounts that are frequently 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 indemnity company maintains its own list of discounts and qualifications. Check with your indemnity supplier to see what discounts you might qualify for .
Frequently asked questions
What is the best car insurance company?
Because car indemnity is different for every person, the best provider depends on individual needs and budget. In general, the best car indemnity companies are the ones that have made a cross off with their excellent customer service, fair rates and a assortment of coverage options .
How much does car insurance in Flint cost?
Full coverage car indemnity costs an average of $ 2,995 a year in Flint, while minimal coverage costs $ 1,252 per year. The prices can be higher or lower depending on a numeral of factors, such as drive record, the type of car you are insuring, available discounts and coverage selections .
How much car insurance do I need in Flint?
policy is mandatary in Flint and you might besides need extra coverage since Michigan is a no-fault state. The minimum requirements to be able to drive legally are 50/100/10, in accession to the ask no-fault coverages detailed above. You may want to consider buying extra coverage in holy order to protect yourself and your fomite .
Methodology
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 repel record, good credit and the postdate 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 minimal coverages that meet each country ’ second requirements. Our sample drivers own a 2018 Honda Accord, commute five days a workweek and drive 12,000 miles annually. These are sample rates and should be used for relative purposes alone. Your quotes may be different. Rates are determined based on 2020 Quadrant Information Services data .