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How much is car insurance in Flagstaff?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Flagstaff is about $15 cheaper than it is in the rest of Arizona.
Compared to the national average cost of auto insurance coverage, Flagstaff has lower rates. It's about $33 cheaper to insure your vehicle in Flagstaff compared to the average rate for the U.S. as a whole.
Bear in mind that while these rates represent the expected monthly payments for Flagstaff drivers, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Flagstaff residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Flagstaff Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $40 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Flagstaff drivers may see their rates begin to go back up once they hit retirement.
Flagstaff Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Flagstaff, however, men actually pay a little bit less than female drivers for auto insurance.
Flagstaff Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Flagstaff with a single accident on their record is about $81 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $51.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Flagstaff Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$44|
The most affordable vehicles to insure in Flagstaff are usually SUVs, which run about $39 per month.
Truck and van drivers will see rates of about $53 for car insurance, while car owners typically pay around $49 a month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Flagstaff are vehicles eleven-to-fourteen years old.
Flagstaff Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Generally, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Flagstaff, the difference in rates based on relationship status can be as much as $14 a month.
Flagstaff Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$58|
Another factor taken into consideration is your housing situation. In Flagstaff, homeowners can expect to pay around $13 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
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 picking an insurance policy.
Car insurance rates in Flagstaff increased from 2017-2019, before leveling out in 2020. They finished down in 2022, at $38 per month
How does Flagstaff compare to neighboring areas?
Why are car insurance rates in Flagstaff different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for coverage. Many factors affecting your policy are based around where you live. These factors include things like:
- Off-street parking availability
- Community laws
- General road safety (how many accidents each locality has)
- Number of drivers in the area
- Rate of crime
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. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Flagstaff?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Flagstaff.
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Flagstaff Auto Insurance FAQs
What factors affect car insurance quotes in Flagstaff?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Flagstaff different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Flagstaff or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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