Flint Insurance Rates:

Flint, MI home insurance is nearly $595 to $805, about $49-$67/month. Our in depth guide indicates shoppers can save upto $280 by getting multiple quotes

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Flint Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $340/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

4 Beds, 4 Baths 2680 sqft Seasonal Residence Constructed In 1944 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Central Air Conditioning, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Single Male who is Retired with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $300/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $75,000

3 Beds, 3 Baths 1540 sqft Rental Property Constructed In 1949 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Married Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $40/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

4 Beds, 4 Baths 2160 sqft Vacation Property Constructed In 1973 with Stone Flooring, Metal Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $60/2 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 2130 sqft Vacation Property Constructed In 1988 with Stone Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Swimming Pool, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $40/2 months for $25,000-$50,000 Coverage
Policy Holder Home Details :

Home Value : $20,000

2 Beds, 2 Baths 1107 sqft Rental Property Constructed In 1948 with Stone Flooring, Membrane Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Flint, MI Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
48507 $68,800 $720
48503 $63,300 $710
48505 $36,800 $700

Flint Rates & Quotes Analysis:

Flint Area Estimated House Insurance
Iroquois Ave, E 3rd Ave, Coggins Ave, Martin L King Blvd, Eastmont Dr, Bennett Ave, Russet Pl, Alabama Ave, Woodcroft Ave, Wabash Ave$689
Kennelworth Ave, Deena Dr, E Paterson St, Rangeley Dr, E 2nd St, Kearsley Park Blvd, Colby St, Burgess St, Massachusetts Ave, Ml King Ave$699
Overhill Dr, Walnut Creek Dr, Kent St, Eagle Ridge Ln, W Austin Ave, Victoria Ave, Gorey Ave, S Dexter St, Barney Ave, Swayze St$695
Trout Dr, Hillcroft Dr, Radcliffe Ave, Laurel Oak Dr, Remington Ave, Mann Ave, Wyoming Ave, Industrial Ave, Delaware Ave, Ralph St$698
W Thackery Ave, Cross Ct, Joel Ln, Buckham Aly, Williams St, Clement St, Lee St, Circle Dr, Brunswick Ave, Seminole St$697
Arthur St, McCree Dr, Crawford St, Horton Ave, Reid St, W Stewart Ave, Douglas Ave, Leslie Dr, University Park Dr, E Paterson St$720
E Witherbee St, E Moore St, E Lyndon Ave, Fairlane St, Herrick St, Markham St, Lakewood Dr, N Averill Ave, Theta Pass, Edmund St$676
McKeighan Ave, Damon St, Albert St, Loyola Dr, Parkside Dr, Paddington Ave, Stockton St, Lomita Ave, E Piper Ave, Woodbridge St$705
Alpha Way, Durand St, E Parkway Ave, W Fourth St, Nancy Dr, San Juan Dr, McPhail St, E York Ave, Pontiac St, Kellar Ave$682
Parkfront Dr, Mathews St, W Linsey Blvd, Basil Ln, Coventry Ct, Dana Ln, Chippewa St, Aubrey St, Rice Ct, Winona St$692

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,699 Homes (14% of total homes ) built between 1940 to 1949 in Flint are paying home insurance between $1,410-$1,421. Places close to Flint, MI such as Genesee County, Flint charter, Burton are more expensive by $60, $52, $34 respectively while Buena Vista and Robin Glen-Indiantown are cheaper by $11 and $37 respectively for similar homes.
  • Bedrooms: 24,092 3 bedrooms homes (45% of total homes ) in Flint are paying about $834. Areas near to Flint such as Genesee County, Flint charter, Burton are costlier by $28, $25, $14 respectively whereas Beecher and Buena Vista are more economical by $4, $5 respectively for similar homes.
  • Auto Insurance Bundling: 8,370 Households (36% of all households) in Flint have 2 vehicles available and when it is bundled with home insurance you can save $140. Discounts for similar bundling in close by locations such as Genesee County, Flint charter, Burton come to $146, $145, $143 respectively.
  • Senior Discounts: 12,230 seniors (more than 55 years) occupied housing units (53% of total) in Flint get discounts between $104 to $107. The comparative concessions in proximate regions such as Genesee County, Burton and Beecher are $109, $107 and $104 respectively.
  • New Homes discounts: New homes such as the 17,983 homes built between 2000 to 2009 in Flint can save $140 compared to Genesee County ($146), Flint charter ($145), Burton ($143).

Flint Homeowners insurance Facts

  • Flint, MI has 22,904 owner occupied houses which is 55.8% of all units whereas Genesee County, Flint charter and Burton have 70.32%, 63.72% and 75.4% respectively.
  • Flint, MI homeowners yearly insurance price at $701 is 1.39% of the typical house value of $50,500 which is in contrast with 0.73% in Genesee County, 0.77% at Flint charter & 0.89% in Burton.
  • Homeowners in Flint, MI pay 1.65% of their income ($40,000 to $44,999) in insurance whereas homeowners in Genesee County, Flint charter and Burton pay 1.72%, 1.71% and 1.69% respectively.
  • Flint, MI’s insurance is 6.4% of monthly housing costs of $914/month, for owners with a mortgage compared to 4.85% in Genesee County, 4.83% at Flint charter & 5.19% in Burton. But, for households without a mortgage, insurance is 15.2% of costs ($384 in Flint, MI) in contrast with 13.45% in Genesee County, 13.48% at Flint charter & 15.21% in Burton.

Flint, MI Home Values & Insurance rates

For example, insurance for 1,866 Homes (8.0% of total homes ) valued between $70,000 to $79,999 in Flint, MI is about $1,037. Rates in nearby areas in such as Genesee County, Flint charter, Burton are cheaper by $489, $462, $376 respectively while Beecher and Buena Vista are costlier by $79 and $133 respectively for similar homes.

Flint, MI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 11,349 50.0% $343
$50,000 to $59,999 2,388 10.0% $722
$60,000 to $69,999 2,118 9.0% $897
$70,000 to $79,999 1,866 8.0% $1037
$80,000 to $89,999 1,425 6.0% $1177
$90,000 to $99,999 685 3.0% $1317
$100,000 to $124,999 1,290 5.0% $1521
$125,000 to $149,999 381 1.0% $1906
$150,000 to $174,999 533 2.0% $2250
$175,000 to $199,999 274 1.0% $2600

Renters Insurance in Flint

  • Average Renters Insurance in Flint :  $309($25/month)

  • Median Gross Rent in Flint :  $651

  • Flint Renters Insurance to Median Rent Ratio:  3.84%

  • Average household size of renter-occupied unit :  2.55

Flint Renters Insurance as a Percentage of Rent

Flint Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 809 4.0% $377
$200 to $299 781 4.0% $827
$300 to $499 2,750 16.0% $1277
$500 to $749 6,449 38.0% $1952
$750 to $999 3,992 23.0% $2702
$1,000 to $1,499 1,847 10.0% $3827
$1,500 or more 290 1.0% $5477

Rent Affordability in Flint:

Approximately 67.0% (12,220) of households are spending more than 35% of their income on gross rent in Flint

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,345 7.0%
15.0 to 19.9 percent 1,246 6.0%
20.0 to 24.9 percent 1,055 5.0%
25.0 to 29.9 percent 1,245 6.0%
30.0 to 34.9 percent 1,030 5.0%
35.0 percent or more 12,220 67.0%

Flint Renters Insurance Discounts:

Flint Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Flint, MI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 9,590 52.0% $30.9
2 vehicles available 2,631 14.0% $46.35
3 or more vehicles available 598 3.0% $61.8

Flint Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,245 6.0% $65
60 to 64 years 902 4.0% $52
65 to 74 years 821 4.0% $42
75 years and over 625 3.0% $32

Protective device discount in Flint Up to :  $46

Claims-free discount in Flint Up to :  $61