Flagstaff, AZ Car Insurance

What should residents of Flagstaff expect to pay for their car insurance? Compared to their surrounding area, how do rates in Flagstaff stack up? What about against the rest of Arizona? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Flagstaff?

Looking at the chart above, you can see it's around $14 a month cheaper to insure your vehicle in Flagstaff than it is in the rest of Arizona.

Likewise, car insurance rates in Flagstaff are often favorable when viewed against the rest of the country. It's about $33 cheaper to insure your vehicle in Flagstaff compared to the average rate for the United States as a whole.

Keep in mind that while these are the average car insurance rates for Flagstaff, it isn't guaranteed that it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

But don't worry, we've broken down the average rate for Flagstaff residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

Average Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may begin to increase again in Flagstaff.

Average Car Insurance Rates by Gender

Although women typically pay less than men do for auto insurance, this is not the case in Flagstaff, where female drivers pay around $50 per month while male drivers pay about $46.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Flagstaff with a single accident on their record is about $82 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $51.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

In Flagstaff, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $39 per month for auto insurance coverage.

SUV owners, on the other hand, usually pay around $39 per month, while truck and van drivers can expect to pay about $54 a month to insure their car.

Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Flagstaff are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Generally, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

The difference in rates based on relationship status in Flagstaff can be as much as $15 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than drivers who own property in Flagstaff. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Flagstaff, AZ

Recent trends in car insurance for Flagstaff drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

The cost of car insurance in Flagstaff had been increasing from 2017-2019, before steadying out in 2020. Rates finished down in 2022, at $35 per month

How does Flagstaff compare to neighboring areas?

Why are car insurance rates in Flagstaff different from other areas?

There are a number of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

• Crime
• Local regulations
• Off-street parking accessibility
• Frequency of car accidents
• Total number of drivers in the area

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Flagstaff?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Flagstaff.

Flagstaff Insurance FAQs

What factors affect car insurance quotes in Flagstaff?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Flagstaff different from other neighboring cities?

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Flagstaff?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Flagstaff?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Flagstaff or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.