Best Flint, MI Auto Insurance in 2025 (Your Guide to the Top 10 Companies)
The best auto insurance companies in Flint, MI, are Progressive, Auto-Owners, and State Farm, with monthly coverage starting at $100. Progressive offers competitive rates and discounts, Auto-Owners excels in customer satisfaction, and State Farm provides strong local agent support: Michigan’s no-fault laws and the average claim cost of $8,200 influence the coverage needs of drivers.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Feb 6, 2025
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Full Coverage in Flint MI
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Full Coverage in Flint MI
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17,760 reviewsCompany Facts
Full Coverage in Flint MI
A.M. Best Rating
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17,760 reviewsProgressive offers the best Flint, MI auto insurance with affordable rates and discounts like multi-policy, continuous insurance, and homeowner discounts. Auto-Owners and State Farm also excel with savings through Safe Driver and Drive Safe & Save programs, ensuring reliable and budget-friendly coverage.
Although the insurance rate of Flint’s drivers is alarmingly high, this guide walks through Michigan’s changed auto insurance laws, such as the discount offered by the continuous coverage insurance and essentials on how to reduce car insurance costs. Compare prices of top providers to have the most appropriate coverage for you.
Our Top 10 Company Picks: Best Flint, MI Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | High-Risk Drivers | Progressive |
 | #2 | 25% | A++ | Customer Service | Auto-Owners |
 | #3 | 17% | B | Local Agents | State Farm |
 | #4 | 20% | A | Telematics Programs | Farmers |
 | #5 | 25% | A | Flexible Coverage | The Hanover |
 | #6 | 25% | A | Flexible Payments | The General |
 | #7 | 25% | A++ | Affordable Rates | Geico |
 | #8 | 25% | A | Accident Forgiveness | Liberty Mutual |
 | #9 | 20% | A+ | Competitive Rates | Nationwide |
 | #10 | 25% | A+ | Multi-Policy Discounts | Allstate |
Get instant access to the best auto insurance quotes for Flint, MI by entering your ZIP code into our tool.
- Progressive offers affordable rates with comprehensive coverage in Flint
- Compare quotes to find the best coverage and lower premiums in Flint
- Flint residents pay an average of $115/month for auto insurance
#1 – Progressive: Top Overall Pick
Pros
- Affordable Insurance for High-Risk Drivers: High-risk drivers in Flint with violation offenses can find affordable coverage options.
- Customizable Coverage Options: Flint drivers can tailor their insurance coverage to fit specific needs. For more details, please read our ‘Progressive Auto Insurance Review.’
- Technology-Driven Discounts: The Snapshot program allows Flint drivers to earn auto insurance discounts based on safe driving behavior.
Cons
- Limited Discounts for New Drivers: New drivers in Flint may not receive many discounts for their auto insurance.
- Higher Rates for Urban Areas: Urban areas in Flint tend to have higher insurance premiums due to higher traffic and theft rates.
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#2 – Auto-Owners: Best for Customer Service
Pros
- Reputation for Excellent Customer Service: Auto-Owners is known for providing responsive customer support for their auto insurance in Flint.
- Multi-Policy Discount: Flint drivers who bundle home and auto insurance policies can receive a 25% discount.
- Paid-in-Full Discount: Drivers who pay their premium in full can save more on their insurance in Flint. Dive into the particulars with our article entitled “Auto-Owners Auto Insurance Review.”
Cons
- Limited Digital Tools: Auto-Owners offers fewer online tools compared to some other insurers in Flint.
- Not Ideal for High-Risk Drivers: High-risk drivers in Flint may find insurance rates that are less competitive.
#3 – State Farm: Best for Local Agents
Pros
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- Access to Personal Local Agents: Flint drivers benefit from the personal service of State Farm’s local agents.
- Drive Safe & Save Program: Safe driving is rewarded with discounts for Flint drivers through this program. Enhance your knowledge by reading our “State Farm Auto Insurance Review“
- Excellent Claims Handling: State Farm offers fast and efficient insurance claims processing for Flint residents.
Cons
- Higher Premiums for Some Drivers: Some drivers in Flint may face higher insurance premiums due to their driving history.
- Limited Bundling Options: State Farm has fewer policies available for bundling in Flint than other insurers.
#4 – Farmers: Best for Telematics Programs
Pros
- Signal App Discount: Farmers offer discounts in Flint for safe driving tracked by the Signal app. For a comprehensive understanding, consult our article titled “Farmers Auto Insurance Review.”
- Auto/Home Bundle Discount: Bundling home and auto insurance with Farmers offer Flint drivers significant savings.
- Good Student Discount: Students in Flint can save on their insurance premiums with a good student discount.
Cons
- Limited Discount Availability for Older Drivers: Older drivers in Flint may have fewer insurance discounts.
- Higher Premiums for High-Risk Drivers: Flint drivers with accidents may find higher insurance premiums with Farmers.
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#5 – The Hanover: Best for Flexible Coverage
Pros
- Wide Range of Coverage Options: Flint drivers can choose from various auto insurance coverage options with The Hanover.
- Anti-Theft Device Discount: Flint drivers can save on insurance premiums with anti-theft devices installed in their vehicles.
- Accident-Free Discount: The Hanover rewards Flint drivers with a clean driving record with an accident-free discount.
Cons
- Limited Availability in Certain Areas: The Hanover may not be available in all parts of Flint.
Gain deeper insights by perusing our article, “>Hanover Auto Insurance Review.” - Expensive for Drivers with Older Cars: Flint drivers with older vehicles may face higher insurance premiums with The Hanover.
#6 – The General: Best for Flexible Payments
Pros
- Flexible Payment Options: The General offers various payment plans for Flint drivers to fit their budget.
- Low-Mileage Discount: Flint drivers who drive less frequently can earn a discount on their insurance premiums.
- Affordable for High-Risk Drivers: The General offers competitive rates for high-risk drivers in Flint. Explore further in our article titled “The General Auto Insurance Review.”
Cons
- Fewer Coverage Options for Older Drivers: Flint drivers with older vehicles may have limited insurance coverage options with The General.
- Higher Deductibles: Flint drivers may face higher deductibles than other insurers with The General.
#7 – Geico: Best for Affordable Rates
Pros
- Competitive Rates for Safe Drivers: Geico provides low-priced insurance in Flint for safe drivers. Learn more in our review “Geico Auto Insurance Review.”
- A++ Financial Strength Rating: Geico brings financial security to Flint drivers with its A++ rating.
- Multi-Vehicle Discount: Flint drivers can save money by insuring multiple vehicles through Geico
Cons
- Limited Local Agent Support: Flint drivers who prefer working with local agents may not like Geico’s limited availability of in-person support.
- Limited Coverage for High-Risk Drivers: A high-risk driver in Flint is unlikely to get the most competitive rates or coverage options available at Geico.
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#8 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Liberty Mutual offers accident forgiveness, helping Flint drivers avoid insurance premium increases after a first accident.
- Claims-Free Discount: Flint drivers who remain accident-free receive discounts on their insurance premiums with Liberty Mutual.
- Hybrid Vehicle Discount: Liberty Mutual offers insurance discounts for Flint drivers who own hybrid or electric vehicles.
Cons
- Higher Premiums for Younger Drivers: Younger drivers in Flint may face higher insurance premiums with Liberty Mutual. Explore further details in our “Liberty Mutual Auto Insurance Review.”
- Limited Customization for Older Cars: Flint drivers with older vehicles may have fewer insurance options with Liberty Mutual.
#9 – Nationwide: Best for Competitive Rates
Pros
- SmartRide Program: Nationwide rewards Flint drivers with safe driving through the SmartRide program.
- Family Plan Discount: Flint families who insure multiple cars can save with Nationwide’s family plan discount.
- Accident-Free Discount: Flint drivers with no accidents can benefit from Nationwide’s accident-free discount.
Cons
- Limited High-Risk Driver Coverage: Nationwide may not offer the best rates for high-risk drivers in Flint.
- Claims Process Can Be Slow: Flint drivers report delays in insurance claims processing with Nationwide. Uncover more by delving into our article entitled “Nationwide Auto Insurance Review.”
#10 – Allstate: Best for Multi-Policy Discounts
Pros
- Multi-Policy Discount: Flint drivers can save by bundling auto insurance with home, life, or other policies through Allstate.
- Safe Driving Bonus: Allstate rewards Flint drivers with a safe driving bonus for maintaining a clean record. Gain deeper understanding through our article entitled “Allstate Auto Insurance Review.”
- Early Signing Discount: Flint drivers who sign up for auto insurance early can receive an early signing discount with Allstate.
Cons
- Premiums Can Be Expensive for New Drivers: New drivers in Flint may face higher insurance premiums with Allstate.
- Limited Local Support in Some Areas: Flint drivers may have limited access to local agents in certain areas with Allstate.
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Understanding Coverage Costs in Flint, MI
If you want to choose the right coverage in Flint, MI, consider providers like The General for the lowest minimum and full coverage rates at $100 and $230, respectively, or Allstate for higher coverage options.
Flint, MI Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $135 | $300 |
| $105 | $240 |
| $118 | $260 |
| $108 | $245 |
| $130 | $280 |
| $115 | $265 |
| $110 | $250 |
| $125 | $270 |
| $100 | $230 |
| $120 | $255 |
Driving history, vehicle type, and credit score also affect premium costs. Companies like Auto-Owners and Geico balance affordability and coverage with full coverage rates of $240 and $245, ensuring competitive options for Flint drivers.
Maximizing Auto Insurance Discounts in Flint, MI
Flint, MI, residents can reduce their premiums through discounts offered by top providers. Allstate’s early signing and safe driving bonuses encourage proactive and responsible driving. Auto-Owners offer discounts for safe drivers and those with low mileage, aiming at individuals who drive infrequently or have a clean driving history, which lowers the risk for insurance providers.
Flint, MI Auto Insurance Monthly Rates by Age & Gender
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 30% |
| 15% | 16% | 25% | 10% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 15% | 30% |
| 5% | 20% | 40% | 15% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
| 15% | 17% | 25% | 25% | 30% |
| 10% | 15% | 15% | 10% | 10% |
| 15% | 20% | 25% | 10% | 20% |
Progressive and Liberty Mutual offer homeowner and hybrid vehicle discounts, attracting eco-conscious drivers and homeowners. Farmers and Nationwide reward students with a good student discount, promoting safe driving and academic performance, thus lowering premiums for younger drivers.
Progressive Insurance is one of the largest insurance companies in the U.S. and has become very aggressive in writing auto policies in Detroit, Flint, Saginaw and other MI cities. A few things to keep in mind if you have a Progressive Insurance policy: https://t.co/DvXP09yZKL
— Lee Free (@1800LeeFree) July 7, 2021
The General and The Hanover target families and multi-vehicle households with multi-car and low-mileage discounts, making coverage more affordable for those with several vehicles. Meanwhile, State Farm’s Drive Safe & Save and Nationwide’s SmartRide incentivize safe driving, rewarding responsible habits and potentially reducing premiums for cautious drivers.
Modern safety features, including anti-lock brakes, airbags, and stability control, reduce the number of accidents and make the driver eligible for reduced insurance rates. Adaptive cruise control and automatic emergency braking elevate safety levels but lower premiums.
Flint, MI Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B | Low to moderate traffic congestion compared to larger cities. |
| Weather-Related Risk | B- | Moderate weather-related risks, including icy roads in winter. |
| Average Claim Size | C | Higher-than-average claim sizes due to repair costs and accident rates. |
| Uninsured Drivers Rate | C- | Above-average rate of uninsured drivers. |
| Vehicle Theft Rate | D | Significantly higher than the national average for vehicle theft. |
Many insurance companies, such as Progressive and Geico, offer discounts for vehicles with advanced driver-assistance systems. These features reduce the chances of claims, making them a good thing for drivers and insurers alike.
Flint, MI Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents Per Year | Approximately 3,500 |
| Claims Per Year | About 2,800 |
| Average Claim Cost | $8,200 |
| Percentage of Uninsured Drivers | 19% |
| Vehicle Theft Rate | 5.2 per 1,000 vehicles |
| Traffic Density | Moderate |
| Weather-Related Incidents | High during winter months |
State Farm’s Drive Safe & Save program is another telematics program that rewards safe driving habits. The program tracks driving speed and braking habits, potentially providing a personal discount that can contribute to safer roads and lower insurance costs.
Coverage Options in Flint, MI
When selecting auto insurance in Flint, MI, individuals must choose the right coverage policies. Whole policies offer liability, comprehensive, and collision insurance, presenting the most potential protection against accidents, thefts, and storm-related vehicle damage.
According to Michigan law, all drivers must possess minimum liability coverages known as PLPD: Personal Liability and Property Damage. Drivers are allowed, however, to carry additional coverages such as medical payments or uninsured motorist coverage for further protection in case of an accident.
If you’re looking for affordable coverage options in Flint, MI, consider Progressive’s continuous insurance discount or Auto-Owners’ low mileage discount to reduce monthly premiums while ensuring comprehensive protection.
Chris Abrams Licensed Insurance Agent
Each provider offers various add-ons and customization options to meet specific needs. For instance, Progressive and Liberty Mutual provide unique programs like accident forgiveness and telematics to encourage safe driving and reduce premiums.
Process of Claiming Auto Insurance in Flint, MI
When filing an auto insurance claim in Flint, MI, the first thing to do is contact your provider immediately after an accident or incident. Most insurance companies offer 24/7 claims support, so reporting damages at any time of day or night is easy.
Flint, MI Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $450 | $500 | $220 | $250 | $180 | $200 | $160 | $170 |
| $430 | $480 | $210 | $240 | $175 | $190 | $155 | $165 |
 | $460 | $510 | $230 | $260 | $190 | $210 | $170 | $180 |
 | $420 | $470 | $200 | $230 | $170 | $180 | $150 | $160 |
| $470 | $520 | $240 | $270 | $200 | $220 | $180 | $190 |
| $440 | $490 | $215 | $245 | $180 | $200 | $160 | $170 |
 | $435 | $485 | $220 | $250 | $185 | $200 | $165 | $175 |
 | $410 | $460 | $195 | $225 | $165 | $180 | $145 | $155 |
 | $480 | $530 | $250 | $280 | $210 | $230 | $190 | $200 |
| $445 | $495 | $225 | $255 | $185 | $205 | $165 | $175 |
Once you have filed your claim, the service provider will analyze the information and may even send an adjuster to assess the damages. Based on your policy, you might be compensated for repairs, medical bills, or other expenses, depending on what your coverage covers.
Flint, MI Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $250 | $315 | $420 |
| $210 | $275 | $360 |
| $260 | $330 | $450 |
| $220 | $280 | $375 |
| $270 | $340 | $460 |
| $230 | $295 | $390 |
| $225 | $290 | $380 |
| $215 | $280 | $370 |
| $275 | $345 | $470 |
| $245 | $310 | $420 |
Sometimes, the claims process may also involve negotiations with third parties, such as repair shops or medical providers. Always review your policy to understand your deductible and any limitations that may apply to your claim for a smoother experience.
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Best Flint, MI Auto Insurance Coverage: Essential Insights
Flint, MI, residents can get cheap auto insurance from leading companies like Progressive, Auto-Owners, and State Farm. For instance, Progressive offers a policy starting at just $100 monthly, covering comprehensive and collision insurance, thereby providing maximum coverage against accidents and damages.
Michigan law mandates drivers carry minimum personal liability and property damage (PLPD) coverage. However, adding collision insurance ensures coverage for damages to your vehicle after an accident, regardless of fault. Discounts for safe driving, good students, and vehicles with safety features like automatic braking help reduce premiums across providers.
Flint, MI, drivers can save up to 25% on auto insurance by utilizing discounts like safe driving programs, multi-car policies, and good student rewards offered by top providers.
Daniel Walker Licensed Insurance Agent
Initiatives such as State Farm’s Drive Safe & Save and Nationwide’s SmartRide offer extra savings for safe driving practices. Meanwhile, collision insurance companies like Geico and Auto-Owners help drivers recover repair costs from accidents, making it a vital component of whole coverage policies in Flint, MI.
Find the most affordable auto insurance quotes for Flint, MI, by entering your ZIP code into our free comparison tool.
Frequently Asked Questions
How does my credit score affect car insurance quotes in Flint, MI?
Your credit score also considerably impacts car insurance rates in Flint, MI. Typically, drivers with a good credit record will pay a lower premium than individuals with fair or bad credit scores. That difference can run anywhere from $50 to over $100 extra per month.
What insurance company in Michigan has the best rates?
The insurance company with the best rates in Michigan is The General, offering the cheapest minimum coverage at $100 per month and full coverage at $230 per month. Among car insurance companies in Flint, MI, Auto-Owners ($105 minimum, $240 full coverage) and Geico ($108 minimum, $245 full coverage) also provide competitive and affordable options.
Why is Michigan car insurance so expensive?
Michigan car insurance is expensive due to mandatory unlimited personal injury protection (PIP) under no-fault insurance laws, which increase premiums but provide extensive medical coverage. It manages costs for car insurance in Flint, MI, and it is crucial to evaluate your options and choose the right coverage for your needs.
What is the most trusted car insurance company?
Auto-Owners tops the list in Michigan, covering everything for a monthly premium of $240. It is sound financially and offers excellent claims handling. State Farm is a close second with good service and $270/month coverage, so it is the most popular in Flint, MI.
What is the difference between PLPD and full coverage in Michigan?
PLPD insurance offers basic coverage, including liability and property damage, while complete coverage includes PLPD plus protection for accidents, theft, and vehicle damages, regardless of fault. Knowing the PLPD insurance cost can help you decide based on your specific coverage needs.
How to lower car insurance in Michigan?
To lower costs on auto insurance, Flint, Michigan, compares quotes from multiple providers, as premiums vary widely. Opt for PLPD insurance or increase your deductible for affordability. Take advantage of Car Insurance Discounts like safe driving, multi-policy, or good student discounts, and maintain continuous coverage to avoid rate increases.
How much is car insurance in Flint?
In Flint, MI, car insurance costs $100–$150/month for minimum coverage and $250–$300 for full coverage. State Farm offers competitive rates, starting at $125 for minimum coverage. Comparing quotes helps find the best deal.
Who has the cheapest car insurance in the state of Michigan?
In Flint, MI, car insurance costs $100–$150/month for minimum coverage and $250–$300 for full coverage. State Farm offers competitive rates, starting at $125 for minimum coverage. Comparing quotes helps find the best deal.
Which insurance company has the highest customer satisfaction?
Cheap auto insurance companies, according to customer satisfaction surveys, such as Auto-Owners and State Farm, are the standouts for Flint auto insurance. Auto-Owners leads in customer service. State Farm is known for processing claims quickly and has high overall customer satisfaction.
Which insurance cover is best for a car?
Complete coverage is generally the best option for most drivers in Flint, MI, including liability, collision, and comprehensive insurance. It provides extensive protection against accidents, theft, and weather-related damage. To find the best plan for you, consult car insurance agents in Flint who can evaluate your needs.