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Cheapest Auto Insurance in Flint, MI

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CityInsurance Rate
Mount Morris$3520
Genesee Charter$3460

SR-22 Car Insurance Rates after DUI

CityInsurance Rate
Genesee County$5728

Car Insurance Rates by Segment

SegmentInsurance Rate
All Teens$4706
Female Teens$4706
Male Teen$4732
All Women$4232
Married Women$2115
All Men$3278
Married Men$3119

Flint, Michigan had long been a manufacturing powerhouse before much of the city’s industry moved overseas – it was one of the largest car manufacturing cities in the country at one stage. In recent times, Flint is famous for other reasons – the recent water crisis in the city has resulted in unclean water for close to four years. This news story has resulted in national media coverage and substantial efforts have been taken to try and fix the issue.

If you still live in Flint, you know it’s important to own a vehicle – local public transportation is unreliable. If you’re like most car owners, you’re also probably on the lookout for ways to save money. Our company is dedicated to helping our readers find the best auto insurance policies on the market. This article will also help people drive safely in Flint, Michigan – if you’re a current or future resident, make sure to check out content below or even put our car insurance costs calculator to use!

Flint: Driving Conditions in the City

Flint doesn’t have too many traffic issues. Unlike many areas in the country, you won’t have to contend with hour long commutes on your way to work. This being said, traffic can get bad in peak travel times and when accidents occur – don’t get too comfortable on the roads.

The worst part about driving in Flint is the weather. During winter months, the entire city can come to standstill if there is strong snow. While many local residents are used to the brutal weather, it still causes major issues. Icy roads and snow can create treacherous driving conditions – make sure to keep an eye on local weather reports if you plan on venturing out during the winter months. If you’re new to the area, don’t be overconfident on winter roads!

Driving Safely in Flint, Michigan

There are different road laws in different states – just because something is legal in Indiana, doesn’t mean it’s legal in Michigan. If you’re new to the area, make sure to familiarize yourself with local road laws and regulations – you don’t want to be fined because of ignorance. This section of our review is dedicated to helping you understand the local road laws in Michigan. Make sure to keep these in mind when driving around Flint!

Phone/Handheld Laws in Flint

You are not allowed to text and drive in the state of Michigan – this is a new law that has just come into place. If you are caught, you will receive a $100 fine for the first offense, and a $200 fine every other time that you are caught – this can add up. While you are legally allowed to talk on the phone while driving, you should avoid this as well. Talking and driving at the same time can cause distractions that increase your chances of an accident. In addition, using your hand to speak on the phone means you have less control of your vehicle.

Seatbelt and Car Seat Laws in Flint

If you are under the age of 16, you must wear a seat belt at all time in Flint. In addition, those in the front seat (passenger or driver) must also wear a seat belt while a vehicle is in operation. You can be fined by local authorities for not obeying these rules. While those over 16 are permitted to go without a seat belt in the back of a vehicle, it is highly advisable to not do this – it puts you at extreme risk of death or injury.

For children, those under the age of four need to be in a rear car seat at all time – this is extremely important. In addition, those under eight and over the age of four must be in a booster seat that is properly secured at all time. You are not allowed to use a regular seat belt until you are at least 4’ 9” – this is pretty standard across the country.

Helmet Laws in Flint

If you are over the age of 21 and have $20,000 in applicable personal medical coverage, you don’t have to wear a helmet while on a motorcycle in Michigan. If you do not meet these requirements, you will need to wear a helmet at all times while driving a motorcycle  — you’ll also need to wear one if you are a passenger. Not wearing a helmet can greatly increase your chances of injury or death – be careful.

Alcohol and Drug Laws (Driving)

For those who are over 21 in the state of Michigan, the legal BAC of a OWI is .08. This amount is reduced to .02 for those who are underage. If you are a first-time offender, you may receive up to $500 in fines, 93 days in jail, 360 hours of community service, license suspension for up to 30 days, vehicle ignition interlock, and more. And while we can help you find the cheapest sr22 insurance, which is the insurance you will have to carry to be able to drive after a DUI, it will still be a lot more expensive.

If you are over .17, the punishments increase massively. The same goes for those who are repeat offenders. You should be aiming to be as safe as possible on the roads!

Cheapest Auto Insurance in Flint, Michigan

Flint Statistics

Flint is ranked as one of the most crime-ridden cities in the United States – a lot of this probably has to do with the economic downturn in the area. If you want to be sure your car is safe overnight, make sure to park it in a secure area. In addition, you should be aiming for a comprehensive insurance plan that covers car theft or damage. It may cost more upfront, but it can save you massive headaches in the future.


As you can see, there’s plenty to keep in mind if you’re driving in Flint – you should always be the best driver possible if you want to avoid fines or accidents. Drivers with good records typically get offered the cheapest auto insurance in Michigan. If you’re looking for a new policy, make sure to check out auto insurance rates by state and some of the insurance providers that we recommend in Flint. We aim to provide our readers with solid leads on the best insurers on the market.

Car Insurance Companies in Flint

Cheapest Auto Insurance in Flint,Michigan
Map data © 2021 Google.

Thomas Spence Agency, Inc

3208 W Pierson Rd, Flint, MI 48504, USA

(810) 787-2900


Premier Insurance Agency

4918 Clio Rd, Flint, MI 48504, USA

(810) 789-2222


Potter & Roose Insurance

503 Saginaw St # 906, Flint, MI 48502, USA

(800) 701-5909


Security First Insurance Agency, Inc

G-3526 Miller Road, Flint, MI 48507, United States

(810) 732-5800



1389 W Bristol Rd, Flint, MI 48507, USA

(810) 341-5077


Brian Hickman: Allstate Insurance

2308 S Ballenger Hwy, Flint, MI 48503, USA

(810) 232-4209

Auto Body Shops in Flint

Auto Body Shops in Flint,Michigan
Map data © 2021 Google.

Maples Auto Collision

1919 Corunna Rd, Flint, MI 48503, USA

(810) 234-7000


Conley's Collision Inc

3602 N Franklin Ave, Flint, MI 48506, USA

(810) 233-3600


McFall's Collision & Frame Service

3614 Corunna Rd, Flint, MI 48532, USA

(810) 238-9161


American Automobile Collision

3301 Fenton Rd, Flint, MI 48507, USA

(810) 232-2277


Maaco Collision Repair & Auto Painting

G3345 S Dort Hwy, Burton, MI 48529, USA

(810) 553-6289


Vern's Collision and Glass Inc

2409 Davison Rd, Flint, MI 48506, USA

(810) 232-6751

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