- Flint car insurance rates average $3,038 per year for a full coverage policy, or approximately $253 per month.
- Auto insurance rates for a few popular vehicles in Flint include the Tesla Model 3 at $297 per month, Toyota Highlander at $231, and Ram Truck at $293.
- Small crossovers like the Nissan Kicks, Subaru Crosstrek, and Buick Envision have top rankings for cheap car insurance in Flint.
- Vehicles with the lowest cost car insurance in Flint for their respective segments include the Chevrolet Colorado ($223 per month), Chrysler 300 ($249 per month), Acura RDX ($212 per month), and Mazda MX-5 Miata ($234 per month).
Average car insurance cost in Flint, MI
Average car insurance cost in Flint is $3,038 per year, which is 31.1% more than the U.S. average rate of $2,221. Car insurance in Flint per month costs about $253 per month for a policy with full coverage.
The average cost to insure a vehicle in Michigan is $2,858 per year, so drivers in Flint pay an average of $180 more per year than the overall Michigan average rate.
The average cost to insure a vehicle in Flint compared to other Michigan cities is about $632 per year more expensive than in Lansing, $130 per year less than in Sterling Heights, and $1,502 per year cheaper than in Detroit.
The chart below summarizes average car insurance cost in Flint, MI, broken out based on a variety of different driver ages, policy deductibles, and driver risk scenarios. Rates are averaged for all 2024 vehicle models including luxury brands.

The average cost of auto insurance per month in Flint is $253, with policy premium ranging from $210 to $582 for the average costs shown in the previous chart.
Auto insurance rates can have wide price ranges and are impacted by many factors. The potential for large differences in cost increases the need for multiple car insurance quotes when shopping around for the cheapest car insurance policy.
Driver age makes a big difference in the cost of car insurance. The list below details how age impacts cost by breaking out average car insurance rates for different driver ages.
Average cost of car insurance in Flint, Michigan, by driver age
- 16-year-old driver – $10,818 per year or $902 per month
- 17-year-old driver – $10,480 per year or $873 per month
- 18-year-old driver – $9,392 per year or $783 per month
- 19-year-old driver – $8,554 per year or $713 per month
- 20-year-old driver – $6,112 per year or $509 per month
- 30-year-old driver – $3,240 per year or $270 per month
- 40-year-old driver – $3,038 per year or $253 per month
- 50-year-old driver – $2,692 per year or $224 per month
- 60-year-old driver – $2,522 per year or $210 per month
The rates shown above for teen drivers assumed the driver was male. The next chart goes into more detail for teenage car insurance rates and illustrates average car insurance rates for teen drivers by gender. Teenage females tend to have cheaper car insurance rates than their male counterparts.

Auto insurance for a female 16-year-old driver in Flint costs an average of $712 less per year than the cost for a male driver, while at age 19, it still costs $1,322 less per year for females than males.
The cost to insure popular cars, pickups, and SUVs
The auto insurance rates mentioned up to this point take all 2024 models and come up with an average cost, which is practical when making broad comparisons like the average cost difference between different locations in Michigan.
Average car insurance rates are fantastic when trying to find the answer to questions like “is auto insurance in Flint cheaper than Ann Arbor?” or “are Michigan auto insurance rates cheaper than in Colorado?”.
For more accurate car insurance rate comparisons, however, it makes sense to analyze the specific model of vehicle being insured. Each make and model has it’s own exposure profile for car insurance rating and this data makes it possible to perform more detailed insurance cost analysis.
The next chart shows insurance rates in Flint for some of the more popular vehicles you’ll see on the road.

The vehicles that are popular in Flint tend to be small or midsize sedans like the Toyota Corolla, Volkswagen Jetta, and Nissan Altima and compact or midsize SUVs like the Chevy Equinox, Honda CR-V, and Jeep Grand Cherokee.
Some additional popular models in Flint from other vehicle segments include luxury models like the Acura ILX, Acura MDX, and Lexus RX 350 and sports cars like the Ford Mustang, Audi TT, and Chevy Corvette.
Which cars have cheap insurance in Flint, Michigan?
The models with the lowest cost average car insurance quotes in Flint, MI, tend to be compact SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Toyota Corolla Cross. Average insurance prices for models in the top 10 cost $2,488 or less per year to get full coverage.
A few other vehicles that rank well in the cost comparison table are the Volkswagen Taos, Nissan Murano, Subaru Outback, and Buick Encore. Average rates are a little bit more for those models than the cheapest small SUVs at the top of the rankings, but they still have an average insurance cost of $220 or less per month in Flint.
The following table lists the cheapest vehicles to insure in Flint, sorted by average cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $2,244 | $187 |
2 | Chevrolet Trailblazer | $2,284 | $190 |
3 | Kia Soul | $2,372 | $198 |
4 | Nissan Kicks | $2,392 | $199 |
5 | Honda Passport | $2,418 | $202 |
6 | Buick Envision | $2,434 | $203 |
7 | Toyota Corolla Cross | $2,448 | $204 |
8 | Hyundai Venue | $2,468 | $206 |
9 | Mazda CX-5 | $2,478 | $207 |
10 | Ford Bronco Sport | $2,488 | $207 |
11 | Volkswagen Tiguan | $2,514 | $210 |
12 | Acura RDX | $2,542 | $212 |
13 | Nissan Murano | $2,552 | $213 |
14 | Buick Encore | $2,580 | $215 |
15 | Subaru Outback | $2,588 | $216 |
16 | Honda CR-V | $2,590 | $216 |
17 | Buick Envista | $2,596 | $216 |
18 | Volkswagen Taos | $2,600 | $217 |
19 | Kia Niro | $2,616 | $218 |
20 | Toyota GR Corolla | $2,638 | $220 |
21 | Honda HR-V | $2,642 | $220 |
22 | Subaru Ascent | $2,644 | $220 |
23 | Nissan Leaf | $2,660 | $222 |
24 | Chevrolet Colorado | $2,674 | $223 |
25 | Honda Civic | $2,690 | $224 |
26 | Lexus NX 250 | $2,690 | $224 |
27 | Volkswagen Atlas | $2,694 | $225 |
28 | Acura Integra | $2,702 | $225 |
29 | Subaru Forester | $2,704 | $225 |
30 | Volkswagen Atlas Cross Sport | $2,708 | $226 |
31 | Kia Seltos | $2,714 | $226 |
32 | GMC Terrain | $2,718 | $227 |
33 | Nissan Rogue | $2,728 | $227 |
34 | Hyundai Kona | $2,732 | $228 |
35 | Mazda CX-30 | $2,740 | $228 |
36 | Cadillac XT4 | $2,744 | $229 |
37 | Ford Explorer | $2,756 | $230 |
38 | Volkswagen ID4 | $2,756 | $230 |
39 | Toyota Highlander | $2,766 | $231 |
40 | Ford Escape | $2,770 | $231 |
41 | Toyota Venza | $2,772 | $231 |
42 | Honda Odyssey | $2,776 | $231 |
43 | Nissan Sentra | $2,784 | $232 |
44 | Subaru Impreza | $2,790 | $233 |
45 | Chevrolet Equinox | $2,796 | $233 |
46 | Toyota RAV4 | $2,802 | $234 |
47 | Mazda MX-5 Miata | $2,812 | $234 |
48 | Mazda MX-30 | $2,820 | $235 |
49 | Hyundai Tucson | $2,824 | $235 |
50 | Chevrolet Traverse | $2,834 | $236 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Flint, MI Zip Codes. Updated June 26, 2025
A few other popular models making the list of the top 50 table above include the Volkswagen Atlas, Nissan Rogue, Subaru Forester, Nissan Leaf, and Chevrolet Equinox. Auto insurance rates for those vehicles cost between $2,642 and $2,840 per year.
In comparison, some examples that have more expensive auto insurance include the Hyundai Nexo that costs $3,352 per year, the Chevrolet Camaro that costs $3,944, and the Audi e-tron that costs $3,790.
For very high insurance rates, luxury and performance models like the Acura NSX and Aston Martin DBX have average rates that frequently cost twice as much or more as the cheapest vehicles.
This next section goes into detail about average auto insurance cost by vehicle segment. The rates shown in the chart will give you a good foundation of which types of cars, trucks, and SUVs that have the overall most affordable average car insurance rates.
Cheapest insurance rates by type of vehicle
If you’re shopping around for new or used cars, it is useful to know which styles of vehicles have more favorable auto insurance rates.
For example, you may be wondering if SUVs are cheaper to insure than minivans, or maybe how much more it costs to insure a three-quarter ton truck like The Ford F-250 compared to a half-ton like the F-150.
The next chart shows the average auto insurance cost in Flint for each automotive segment. Typically, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the best rates, with luxury cars and sports cars having the highest auto insurance rates.

Rates for general vehicle categories should be used as a starting point rather than the end point when comparing car insurance rates. Cost can vary considerably within any of the segments shown in the chart.
For example, in the large luxury car segment, car insurance rates range from the Audi A5 costing $3,610 per year up to the Mercedes-Benz Maybach S680 at $6,362 per year. That’s a difference of over $3,000 per year just within that segment.
For another example, in the half-ton pickup segment, rates range from the Nissan Titan costing $2,840 per year to the Toyota Tundra at $3,616 per year.
As you start to narrow down the type of vehicle you prefer, we recommend comparing not only rates for a specific model of vehicle, but also rates for the specific trim level you’re interested in buying since rates can again vary quite a bit just between the different trims and packages offered.
In the list shown below, we go into further detail and show the model with the cheapest overall insurance rates in Flint, MI, for each individual segment.
- Cheapest compact car insurance – Toyota GR Corolla at $2,638 per year or $220 per month
- Cheapest compact SUV insurance – Subaru Crosstrek at $2,244 per year or $187 per month
- Cheapest midsize car insurance – Kia K5 at $2,924 per year or $244 per month
- Cheapest midsize SUV insurance – Honda Passport at $2,418 per year or $202 per month
- Cheapest full-size car insurance – Chrysler 300 at $2,892 per year or $241 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,852 per year or $238 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $2,674 per year or $223 per month
- Cheapest full-size pickup insurance – Nissan Titan at $2,840 per year or $237 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $3,090 per year or $258 per month
- Cheapest minivan insurance – Honda Odyssey at $2,776 per year or $231 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $2,812 per year or $234 per month
- Cheapest compact luxury car insurance – Acura Integra at $2,702 per year or $225 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $2,542 per year or $212 per month
- Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $3,126 per year or $261 per month
- Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $2,840 per year or $237 per month
- Cheapest full-size luxury car insurance – Audi A5 at $3,610 per year or $301 per month
- Cheapest full-size luxury SUV insurance – Infiniti QX80 at $3,406 per year or $284 per month