How much does auto insurance cost in Flint?

 

The typical Flint driver pays $3,901 per year for car insurance. That's more than the Michigan average ($3,096) and more expensive than the U.S. average of $1,548. Continue reading to learn how much you can expect to pay for insurance based on your marital status, age, credit score and other factors in Flint.

 

FLINT AUTO INSURANCE PREMIUMS
Flint Average (per year) Michigan Average National Average
$3,901 $3,096 $1,548

 

Contents:
  • Provider
  • Age group
  • Gender and marital status
  • Driving record
  • Credit score

 

Flint car insurance rates by company

 

The difference in auto insurance rates from company to company can be substantial. In Flint, Progressive offers the cheapest premiums for the typical insurance buyer. We've gathered the best cheap car insurance companies in Flint below. Remember that this list should only be seen as a starting point: it's important to compare quotes specific to your unique driving profile.

 

FLINT AUTO INSURANCE RATES BY COMPANY
Company Average Yearly Rate
Progressive $2,316
AAA $2,874
AAA $2,936
State Farm $4,276
The Hanover $6,787

 

Consult our expert guide to finding the best cheap car insurance.

 

 

Flint car insurance premiums by age

Flint drivers in their 50s pay relatively affordable car insurance rates just $3,702 each year, on average. Those in their 60s don't pay much more ($3,762).

Teenage drivers pay Flint's most expensive car insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Flint is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Flint is $6,250, the largest such difference between any two age brackets.

 

FLINT AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age tier Average Yearly Rate
Teenagers $11,105
20s $4,855
30s $3,940
40s $3,922
50s $3,702
60s $3,762
70s $4,369

 

Find out more about how age can change car insurance costs.

 

 

Flint auto insurance rates by marital status and gender

 

Marital status and gender can play roles in how car insurance companies set rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Flint pay $39 less than single drivers for auto insurance.

Another component of auto insurance pricing is gender. In Flint, female drivers pay $75 per year more than do male drivers.

 

FLINT CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Yearly Rate
Female $3,976
Male $3,901
Single $3,901
Married $3,862
Divorced $3,901
Widowed $3,901

 

Discover more about how gender and marital status have on insurance rates.

 

 

Flint car insurance premiums by accident and violation history

 

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can increase what you pay for car insurance.

Flint drivers found guilty of reckless driving pay a heavy toll when it comes to auto insurance, facing a rate increase of $8,231 per year versus the city average. A ticket for speeding results in a $2,595 rate hike while a DWI or DUI violation costs $7,977per year in extra insurance expenditures.

 

FLINT CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation Average Annual Rate
DUI/DWI $11,878
Reckless Driving $12,132
At-fault Accident (damages less than $1,000) $5,576
At-fault Accident (damages > $2,000) $6,171
Speeding Ticket (16-20 mph over speed limit) $6,496

 

Learn more about how citations can raise your auto insurance rates.

 

 

Flint car insurance rates by credit score

 

In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Flint drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 75% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Flint, improving your credit to "Fair" could help you earn a $3,628 decrease in annual car insurance rates.

 

FLINT CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit Level Average Rate (annual)
Very Poor $11,398
Fair $7,770
Good $5,587
Very Good $4,230
Exceptional $2,879

 

Get additional information on how credit impacts car insurance costs.

 

 

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.