Table of contents
How much is car insurance in Flagstaff?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Flagstaff | $47 |
| AZ | $61 |
| United States | $80 |
As you can see in the chart above, it is around $14 a month cheaper to insure your vehicle in Flagstaff than it is in the rest of Arizona.
Compared to the rest of the country, auto insurance in Flagstaff is more affordable. The average monthly payment for the U.S. as a whole is about $33 more expensive than in Flagstaff.
While these are the average car insurance rates for Flagstaff, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down average rates for Flagstaff to help you understand what your policy's monthly premium will cost. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $70 |
| 25-34 | $38 |
| 35-44 | $33 |
| 45-54 | $29 |
| 55-64 | $51 |
| 65+ | $31 |
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may creep back up a bit in Flagstaff.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $46 |
| Female | $48 |
On average, female drivers pay slightly less for car insurance than their male counterparts. In Flagstaff, although men do pay a little bit less on their monthly premiums, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $82 |
| Multiple Accidents | $46 |
| 1 Ticket | $59 |
| Multiple Tickets | $65 |
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Flagstaff, having a single accident on your record will usually get you rates around $82 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $59 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $44 |
| 2-3 Years | $41 |
| 4-5 Years | $48 |
| 6-7 Years | $51 |
| 8-10 Years | $47 |
| 11-14 Years | $52 |
| 15 Years or Older | $43 |
In terms of affordable coverage, the cheapest vehicles to insure in Flagstaff are typically SUVs, at $40 per month.
SUV owners, on the other hand, by and large pay around $40 a month, while truck and van drivers can expect to pay about $50 per month for car insurance coverage.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Flagstaff, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $50 |
| Married | $36 |
| Divorced | $32 |
| Widowed | $29 |
Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Flagstaff is about $14 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $38 |
| Rent | $49 |
| Live with parents | $60 |
One other element taken into consideration is your living accommodations. If you rent your home or apartment in Flagstaff, expect to pay around $11 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Flagstaff, AZ
Recent trends in car insurance for Flagstaff drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
The rates for car insurance in Flagstaff dropped from 2016-2017, before increasing from 2018-2019. They finished up in 2021 at $52.
How does Flagstaff compare to neighboring areas?
Why are car insurance rates in Flagstaff different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Regional regulations
- Road Safety (how many accidents each locality has)
- Off-street parking accessibility
- Amount of drivers in the region
- Area crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Flagstaff?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Flagstaff.
Flagstaff 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 driving record, credit score, address, and marital status.
Why is the cost of car insurance in Flagstaff different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Flagstaff?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Flagstaff?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Flagstaff or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.