Car Insurance Cost in Flint, MI (2025 Rates + Comparisons)

How much does car insurance cost in Flint, Michigan? We compared the cost to insure over 700 vehicles to find the models with cheapest car insurance in Flint.

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  • 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.

Average car insurance rates in Flint for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Flint for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Flint includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Flint, MI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,800$567
Safe Driver Age 20$5,950$496
At-fault Accidents Age 40$4,186$349
Low Deductibles Age 40$3,856$321
Safe Driver Age 30$3,148$262
Safe Driver Age 40$2,950$246
Safe Driver Age 50$2,618$218
High Deductibles Age 40$2,486$207
Discount Rate Age 40$2,452$204
Safe Driver Age 60$2,450$204

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

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.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Flint includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Flint, MI for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$10,818$10,106
17-Year-Old$10,480$10,044
18-Year-Old$9,392$8,668
19-Year-Old$8,554$7,232

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

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 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.

Average cost to insure popular 2024 model year vehicles in Flint.
Figure 3: Average cost to insure popular 2024 model year vehicles in Flint. Rates updated on June 27, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Flint Zip Codes.

Flint, MI, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$2,590$216
Honda HR-V$2,642$220
Honda Civic$2,690$224
Subaru Forester$2,704$225
Nissan Rogue$2,728$227
Ford Escape$2,770$231
Toyota RAV4$2,802$234
Hyundai Tucson$2,824$235
Ford Ranger$2,902$242
Kia K5$2,924$244
Toyota Tacoma$3,076$256
Toyota 4Runner$3,254$271
Toyota Camry$3,264$272
Chevrolet Silverado$3,358$280
Ford Bronco$3,370$281
Ford F150$3,400$283
Ram Truck$3,512$293
Tesla Model 3$3,568$297
Chevrolet Corvette$4,208$351

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 for the 2024 model year and also for all Flint, MI Zip Codes. Updated June 27, 2025

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.

Top 50 Cheapest Automobiles to Insure in Flint, Michigan
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,244$187
2Chevrolet Trailblazer$2,284$190
3Kia Soul$2,372$198
4Nissan Kicks$2,392$199
5Honda Passport$2,418$202
6Buick Envision$2,434$203
7Toyota Corolla Cross$2,448$204
8Hyundai Venue$2,468$206
9Mazda CX-5$2,478$207
10Ford Bronco Sport$2,488$207
11Volkswagen Tiguan$2,514$210
12Acura RDX$2,542$212
13Nissan Murano$2,552$213
14Buick Encore$2,580$215
15Subaru Outback$2,588$216
16Honda CR-V$2,590$216
17Buick Envista$2,596$216
18Volkswagen Taos$2,600$217
19Kia Niro$2,616$218
20Toyota GR Corolla$2,638$220
21Honda HR-V$2,642$220
22Subaru Ascent$2,644$220
23Nissan Leaf$2,660$222
24Chevrolet Colorado$2,674$223
25Honda Civic$2,690$224
26Lexus NX 250$2,690$224
27Volkswagen Atlas$2,694$225
28Acura Integra$2,702$225
29Subaru Forester$2,704$225
30Volkswagen Atlas Cross Sport$2,708$226
31Kia Seltos$2,714$226
32GMC Terrain$2,718$227
33Nissan Rogue$2,728$227
34Hyundai Kona$2,732$228
35Mazda CX-30$2,740$228
36Cadillac XT4$2,744$229
37Ford Explorer$2,756$230
38Volkswagen ID4$2,756$230
39Toyota Highlander$2,766$231
40Ford Escape$2,770$231
41Toyota Venza$2,772$231
42Honda Odyssey$2,776$231
43Nissan Sentra$2,784$232
44Subaru Impreza$2,790$233
45Chevrolet Equinox$2,796$233
46Toyota RAV4$2,802$234
47Mazda MX-5 Miata$2,812$234
48Mazda MX-30$2,820$235
49Hyundai Tucson$2,824$235
50Chevrolet 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

Top 50 cheapest vehicles to insure in Flint, MI with the Subaru Crosstrek ranking first at $2,244 per year
Top 50 cheapest vehicles to insure in Flint, MI with the Subaru Crosstrek ranking first at $2,244 per year

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.

Car insurance average cost by automotive segment in Flint, MI.
Figure 4: Car insurance average cost by automotive segment in Flint, MI. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Flint Zip Codes.

Car Insurance Rates by Automotive Segment in Flint, MI
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,792$233
Midsize SUV$2,996$250
Compact Car$3,002$250
Minivan$3,006$251
Midsize Pickup$3,068$256
Midsize Car$3,096$258
Compact Luxury SUV$3,294$275
Compact Luxury Car$3,342$279
Large SUV$3,352$279
Half-ton Pickup$3,366$281
Heavy Duty Pickup$3,492$291
Midsize Luxury SUV$3,608$301
Midsize Luxury Car$3,726$311
Sports Car$4,176$348
Large Car$4,368$364
Large Luxury SUV$4,700$392
Large Luxury Car$4,858$405

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 2024 model year vehicles and also for all Flint, MI Zip Codes. Updated June 26, 2025

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 insuranceToyota GR Corolla at $2,638 per year or $220 per month
  • Cheapest compact SUV insuranceSubaru Crosstrek at $2,244 per year or $187 per month
  • Cheapest midsize car insuranceKia K5 at $2,924 per year or $244 per month
  • Cheapest midsize SUV insuranceHonda Passport at $2,418 per year or $202 per month
  • Cheapest full-size car insuranceChrysler 300 at $2,892 per year or $241 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $2,852 per year or $238 per month
  • Cheapest midsize pickup insuranceChevrolet Colorado at $2,674 per year or $223 per month
  • Cheapest full-size pickup insuranceNissan Titan at $2,840 per year or $237 per month
  • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $3,090 per year or $258 per month
  • Cheapest minivan insuranceHonda Odyssey at $2,776 per year or $231 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $2,812 per year or $234 per month
  • Cheapest compact luxury car insuranceAcura Integra at $2,702 per year or $225 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $2,542 per year or $212 per month
  • Cheapest midsize luxury car insuranceMercedes-Benz CLA250 at $3,126 per year or $261 per month
  • Cheapest midsize luxury SUV insuranceJaguar E-Pace at $2,840 per year or $237 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $3,610 per year or $301 per month
  • Cheapest full-size luxury SUV insuranceInfiniti QX80 at $3,406 per year or $284 per month