Best Car Insurance In Flint, MI

Car insurance is a necessity to cover liability and meet legal requirements. The key factors influencing rates include your vehicle’s make, driving history, age, and credit score. Let’s explore options for the best car insurance in Flint, Michigan.
car insurance in Flint
Best Car Insurance In Flint, MI
When it comes to car insurance in Flint, MI, residents have several options to ensure they’re adequately protected on the road. Read on to learn all about the available options.
In this article

For the best car insurance in Flint, MI, consider Progressive, offering affordability and comprehensive coverage with an average yearly rate of $1,077. Nationwide stands out for comprehensive coverage, focusing on being “On Your Side.” Beem provides quick, personalized quotes, potentially saving hundreds annually. PLPD Insurance offers reliable coverage regardless of driving history. McCredie Insurance offers personalized service, understanding each client’s unique needs.


In Flint, MI, where the roads can be as unpredictable as the weather, the streets tell stories of 245,432 reported car crashes last year, making car insurance a crucial companion on your journeys. Whether you’re a seasoned driver or just starting your driving adventure in Flint, the road’s unpredictable nature makes having the right car insurance an essential safety net.

With an average cost of $3,901 annually – surpassing both state and national averages – car insurance in Flint becomes a financial shield against the unexpected. It’s not just about following traffic rules; it’s about securing yourself and your vehicle. As you navigate the bustling streets of Flint, explore the landscape of car insurance options to find coverage that aligns with your needs. In a city where every turn holds a story, having reliable car insurance ensures you’re ready for whatever the road brings your way.

Overview Of Car Insurance In Flint, MI

Car insurance in Michigan, is a vital driver consideration, with an average cost of $3,171 annually for full coverage—higher than the national average. Michigan, in general, has some of the highest car insurance rates in the country, underscoring the need for Flint drivers to shop around for the most affordable options.

Various factors influence the cost of car insurance, and it can differ even within the city. Neighborhood characteristics, like car theft rates or road conditions, impact insurance rates for residents. Flint drivers must compare options before settling on a policy to get the best deal. Understanding that the lowest rates for one driver might not be the best for another helps individuals make informed choices about their car insurance, ensuring they have the right coverage at a reasonable price.

Here is the table for the average car insurance rate by Flint ZIP code:

ZIP CodeAverage Cost
Table 1.0. Average car insurance rate by Flint ZIP code in Flint, MI

Top 5 Car Insurance In Flint, MI

Flint, MI, is known for its unique characteristics, and when it comes to car insurance, having the right coverage is crucial. Here’s a breakdown of Flint’s top 5 car insurance options, offering a blend of affordability, comprehensive coverage, and exceptional service.

  • Beem
  • McCredie Insurance
  • PLPD Insurance
  • Progressive
  • Nationwide


Discovering top car insurance in Flint, MI, is made simple with Beem. In just 5 minutes, Beem transforms the car insurance process in Dalton, Georgia, offering personalized car insurance quotes from major providers. This quick and easy service has the potential to save you hundreds annually. The key factors influencing rates include your vehicle’s make, driving history, age, and credit score. Car insurance is more than a choice; it must cover liability and meet legal requirements.

Beem’s user-friendly online tool allows you to compare rates effectively. It covers all vehicle damage, property damage, and personal injuries, ensuring comprehensive protection. While additional coverage options can enhance protection, Beem helps you navigate choices aligned with your budget, making it easy to decide about your car insurance.

McCredie Insurance

McCredie Insurance stands out as a leading choice for car insurance in Flint, MI, offering trusted coverage and personalized service. McCredie Insurance is a reputable insurance agency that has served the community with dedication and reliability.

What sets McCredie Insurance apart is its commitment to understanding each client’s unique needs. Beyond providing policies, they strive to create tailored solutions that fit your circumstances. Whether you’re a new driver or have a long-standing driving history, McCredie Insurance works to match you with the right coverage, ensuring peace of mind on the road. With a focus on customer satisfaction and a team of experienced professionals, McCredie Insurance is a top choice for those seeking reliable and personalized car insurance in Flint, MI. Choosing McCredie Insurance means choosing a partner who cares about your needs and strives to offer the best coverage for your driving journey.

PLPD Insurance

PLPD Insurance, provided by PLPD, Inc., is a trusted choice for car insurance in Flint, MI, with a rich history of serving Michigan individuals, families, and businesses since 1925. PLPD car insurance is designed to cover medical bills and repair costs if you damage someone else’s vehicle or property in an accident.

Whether you’ve had tickets, accidents, poor credit, or face bad luck, PLPD ensures coverage for all legal drivers. Also known as liability coverage, it takes care of another person’s medical care and damaged property expenses after an at-fault accident. The bodily injury liability coverage pays for the other driver’s medical bills. In contrast, the damage coverage covers the cost of their damaged property. While PLPD insurance is a crucial component, it is part of a comprehensive insurance policy, ensuring full coverage in case your car is damaged.


Progressive stands out as the top car insurance choice in Flint, MI, offering affordable rates starting at $1,077 per year for basic coverage. For those looking to save substantially on car insurance, Progressive is a go-to option, with an average savings of nearly $750 for those who switch.

The convenience and savings extend further for new customers who bundle their home and vehicle insurance with Progressive, enjoying an average savings of $793. This bundling option simplifies insurance management and ensures significant cost savings. With Progressive’s AutoQuote Explorer®, getting a free car insurance quote is straightforward. Flint drivers can easily compare prices from different insurers for the same coverage, ensuring they find the best rate and policy to meet their needs.


Nationwide stands out as a top choice for car insurance in Flint, MI, offering comprehensive coverage tailored to various vehicles and driving habits. What makes Nationwide Auto Insurance a reliable option for drivers in Flint?

Nationwide is committed to being “On Your Side,” providing a trustworthy claims service for quick and efficient resolution when you need it most. The Vanishing Deductible program is an added perk, rewarding safe driving habits by reducing your deductible over time. Nationwide also emphasizes client satisfaction through the On Your Side Auto Repair Network, offering written guarantees on car repairs for added confidence in service quality. Nationwide introduces innovative programs like SmartRide and SmartMiles to make auto insurance affordable, providing discounts based on your driving behavior. Choosing Nationwide ensures a reliable and reassuring car insurance experience in Flint, MI.

Car Insurance Requirements In Flint, MI

If you’re a driver in Flint, Michigan, it’s crucial to understand the state’s car insurance requirements. The basics include bodily injury liability coverage and covering medical expenses if you injure someone in an accident.

  • Bodily Injury Liability Coverage Per Person: $20,000
  • Bodily Injury Liability Coverage Per Accident: $40,000 
  • Property Damage Liability Coverage: $10,000
  • Personal Injury Protection: Amount varies depending on health coverage

Michigan operates on a no-fault basis. This means that irrespective of fault, you seek compensation from your insurance provider for injuries sustained in an accident.

Personal Injury Protection (PIP) is a must, but the amount depends on your health coverage. Property protection insurance with a minimum limit of one million dollars is also required.

Types Of Car Insurance Coverage In Flint, MI

When it comes to car insurance in Flint, MI, residents have several options to ensure they’re adequately protected on the road. Here’s a breakdown of the types of coverage available:

Liability Coverage

Bodily injury (BI) liability insurance covers medical expenses for other drivers and their passengers if you’re at fault in an accident. Property damage (PD) liability insurance covers damages to other drivers’ vehicles in the same scenario.

Collision Coverage

Collision coverage provides financial protection when your vehicle is damaged due to collisions. It’s particularly valuable in scenarios involving other vehicles or unexpected road hazards.

Comprehensive Coverage

Comprehensive coverage goes beyond collisions, offering protection against a broader range of incidents, including damages caused by nature, theft, or vandalism.

Medical Payments Coverage (MedPay)

MedPay is vital, providing coverage for medical bills after an accident and offering peace of mind regarding healthcare expenses.

Personal Injury Protection (PIP)

PIP offers comprehensive protection, covering medical bills and potentially compensating for lost wages, offering enhanced financial security after an accident.

Underinsured/Uninsured Motorist Coverage (UM/UIM)

This coverage protects you in an accident with an underinsured driver or without insurance. It includes coverage for property damages (UMPD/UIMPD) and bodily injuries (UMBI/UIMBI) for you and your passengers.

Car Insurance In Flint

Factors Influencing Car Insurance Rates In Flint, MI

Car insurance rates can feel like a complex puzzle, but breaking down the influencing factors can help drivers understand how premiums are determined in Flint, MI.

Driving Record

A clean driving record typically leads to lower insurance rates, indicating a lower risk for insurers. On the other hand, accidents, tickets, and traffic violations can increase premiums.

Age and Gender

Younger drivers, especially teenagers, often face higher insurance rates and statistically higher accident rates due to their lack of driving experience. Additionally, gender plays a role, too, with young male drivers typically facing higher premiums than their female counterparts.

Type of Vehicle

Your vehicle’s make, model, and year can impact insurance rates. Sports and luxury vehicles often come with higher premiums as a consequence of their higher repair costs and increased likelihood of theft.


Where you live can affect insurance rates. Urban areas like Flint may have higher rates due to increased traffic congestion, crime, and accident frequency.

Coverage Options

The type and amount of coverage you choose also influence premiums. More extensive coverage typically comes with higher premiums, while basic coverage may be more affordable.

Finding The Right Car Insurance Provider In Flint, MI

Securing the right car insurance in Flint, MI, is essential for legal driving, but it doesn’t have to break the bank. The best company for you offers excellent coverage at affordable rates. Start by checking your driving record – having a clean history usually means lower premiums. Also, consider your vehicle type and its safety features, as these can affect insurance costs. Where you live matters, too, as Flint’s unique characteristics impact your rates.

Comparing options from top companies is easy with our help. Don’t forget to explore different coverage options and discounts available. By comparing quotes and understanding your needs, you can find the perfect vehicle insurance provider in Flint that fits your budget and provides the coverage you need for a safe and legal drive.

Researching Local Insurance Companies

If you’re looking for local car insurance in Flint, MI, it’s crucial to do some research to find the best fit for your needs. To set their rates, different insurance companies consider factors like your driving record, the car you drive, and where you live. This means prices can vary a lot from one company to another.

On average, Flint drivers pay about $3,901 per year for car insurance, which is higher than the Michigan and U.S. averages. However, there are affordable options. With an average yearly rate of $1,077, Progressive is a good choice for minimum coverage. Other budget-friendly options include Frankenmuth and Auto-Owners, charging around $1,400 for basic coverage. Progressive, GEICO, and Secura Insurance local companies are recognized for offering some of Flint’s best and cheapest rates for full coverage policies.

But remember, the best company for you depends on your situation. It’s crucial to compare rates from local and nationalized insurance companies in Flint to find the best coverage and price that fits your needs and budget. Take your time researching and comparing so you can confidently drive, knowing you have the right insurance coverage.

Here is a table representing the car insurance rates from various car insurance companies:

CompanyAnnual Rate
State Farm$2,406
Table 2.0. Car insurance rates from various car insurance companies

Comparing Coverage

When choosing car insurance in Flint, finding the right coverage at a reasonable price is essential. Progressive stands out as the most affordable option for full-coverage insurance, with a yearly rate of $1,637—70% less than the citywide average of $5,513. Auto-Owners is the second-best option but comes at a higher cost of $3,337 per year.

Full-coverage insurance includes more than the basics required by Michigan law; it also covers comprehensive and collision situations, offering extra protection for your vehicle. To help you make an informed decision, here’s a quick ranking of some insurance options in Flint based on their annual rates:

RankCompanyAnnual Rate
4State Farm$3,895
Table 2.1. Full-coverage insurance rates in Flint, MI

Filing A Car Insurance Claim In Flint, MI

Filing a car insurance claim can be daunting, but with the right approach, you can ensure a smooth process and receive your money promptly. Here are some essential tips to help you navigate the claims process effectively.

File Promptly and Gather Documentation

The first step in filing a car insurance claim in Flint, MI, is to act promptly. File your claim right after an accident or incident occurs. Collect essential documents like hospital bills, police accident reports, and copies of submitted claims. Keeping everything organized helps in making the process smoother.

Document Conversations

Maintain detailed notes of every conversation with the insurance company representatives. Include the date, time, and specifics of each discussion. This keeps you informed about your claim’s progress and ensures clear communication throughout the process.

Seek Assistance if Needed

Contact the state insurance regulator for guidance if you face challenges or feel your claim isn’t handled fairly. They can intervene to ensure a fair resolution and provide assistance if things get complicated.

Consider Legal Support

When you believe your claim needs more attention, consulting with a qualified attorney specializing in insurance claims is an option. They can advocate on your behalf, ensuring you receive the compensation entitled under your policy. 

Following these steps can help make Flint’s car insurance claim process more manageable and increase the chances of a fair resolution.

Tips For Lowering Car Insurance Costs In Flint, MI

Saving money on car insurance is possible with suitable discounts. Here are some simple tips to help lower your car insurance costs in Flint:

Bundle Your Policies

Consider bundling your home, life, and auto insurance with the same company. Many insurance providers offer a discount for combining multiple policies, helping you save on overall costs.

Opt for Higher Deductibles

Opting for a higher deductible can lead to lower monthly premiums. While it means paying more out of pocket in case of a claim, it can be a strategic choice for those looking to reduce their overall insurance costs.

Take Advantage of Discounts

Explore various discounts available, such as military discounts for active-duty service members and their families, good student discounts for young drivers with a B average or better, and safe drivers for those with a clean driving record.

Ask Your Provider

Discounts can vary by company; you might qualify for more than you think. Therefore, it’s crucial to ask your insurance provider about the available discounts and determine which ones may apply to you. These discounts can help you lower your car insurance costs and save money in the long run.


As you navigate Flint’s streets, consider the various coverage options available to tailor your policy to your needs. From liability insurance to comprehensive coverage, there are options to provide the protection and peace of mind you deserve. Assess your driving record and vehicle type to understand how they affect insurance costs. Factors like safety features and your location in Flint play a role in determining premiums. Comparing options from top companies helps you find the coverage that suits you best. Explore various coverage options and discounts to maximize savings. By comparing quotes and considering your specific circumstances, you can choose the right car insurance provider in Flint, ensuring legal compliance and financial protection. Utilizing guides like Beem to gather quotes ensures you make informed decisions for your car insurance in Flint, MI.


How can I find affordable car insurance in Flint, MI?

To find affordable car insurance in Flint, consider options like Progressive and Beem, which offer competitive rates. Bundling policies, maintaining a clean driving record, and exploring discounts can lower premiums.

What factors influence car insurance rates in Flint, MI?

Factors like driving record, age, vehicle type, and location influence car insurance rates in Flint. Safe driving, choosing the right coverage, and leveraging discounts can positively impact rates.

How do I report a car insurance claim in Flint, MI?

Reporting a car insurance claim in Flint involves acting promptly after an incident, gathering necessary documentation, and maintaining detailed records of conversations with insurance representatives. Seeking assistance from the state insurance regulator or legal support may be necessary in challenging situations.

How can I get a personalized car insurance quote in Flint, MI?

With tools like Beem, getting a personalized car insurance quote in Flint is easy. Provide basic information about your vehicle, driving history, and coverage preferences. Beem’s user-friendly online tool allows you to compare rates from major providers, ensuring an informed decision.

Was this helpful?

Did you like the post or would you like to give some feedback? Let us know your opinion by clicking one of the buttons below!



Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

Related Posts
Can You Drive a Car Without Plates After Buying It? 
Can You Drive a Car Without Plates After Buying It? 
Many states consider driving a car without plates unlawful after purchasing it. Therefore, temporary plates or registrations are needed until permanent ones can be secured. Know more on how to comply with these requirements to avoid penalties, legal issues, and insurance hassles.
Why Do You Need Car Insurance
Why Do You Need Car Insurance ? – Know the Reasons
In most states, buying car insurance is required by law. It is a crucial way to protect yourself and your family from the potential costs of a major accident claim.
Does Auto Insurance Cover Theft
Does Car Insurance Cover Theft? [2024]
Auto insurance helps you cover the loss in these various types of accidents and thefts by giving necessary coverage. The blog aims to equip you with valuable insights to help you make informed decisions about protecting your vehicle from theft risks.
rental car insurance
Best Options For Rental Car Insurance
If you have rented a car, make sure you buy the company’s rental car insurance. However, if you already have vehicle insurance, you are likely covered up to your policy’s limits.
car insurance for high-risk drivers
Best Car Insurance for High-Risk Drivers
High-risk drivers often contend with higher insurance premiums due to their increased likelihood of filing claims. Let’s explore the best choices for car insurance for high-risk drivers.
car insurance for veterans
Best Car Insurance For Veterans
With various insurance providers offering tailored discounts and specialized coverage, veterans can easily find affordable and comprehensive vehicle protection. Read on to learn all about car insurance for veterans.

Get up to $1,000 for emergencies

Send money to anyone in the US

Ger personalized financial insights

Monitor and grow credit score

Save up to 40% on car insurance

Get up to $1,000 for loss of income

Insure up to $1 Million

Coming Soon

File federal and state taxes at low cost

Quick estimate of your tax returns

Get up to $1,000 for emergencies

Send money to anyone in the US

Save big on auto insurance - compare quotes now!

Zip Code:
Zip Code: