Cheap Auto Insurance Quotes in Flagstaff, AZ (2021)

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Over 75,000 Lumberjack-loving residents live in Flagstaff, and driving is the main mode of transportation. You won't need an ax to cut a good deal on your car insurance.

Over 96 percent of Flagstaff households own cars. With that many people zooming up and down the sometimes icy roads, a solid auto insurance policy becomes a grand part of life in the Grand Canyon State.

Car Insurance in Flagstaff, AZ

The average cost of Arizona car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Flagstaff, AZ to find you the cheapest quotes in the area.

$43
$99
$145
$153
$173
State FarmTravelersLiberty MutualThe GeneralAmerican Family

Cheapest Car Insurance in Flagstaff

Here are the cheapest carriers in Flagstaff for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Flagstaff, AZ

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Flagstaff. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$154
$196
$148
$163
$142
$123
ArizonaPhoenixTucsonMesaChandlerFlagstaff

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Flagstaff, AZ Driving Facts

arizona

Minimum Car Insurance Requirements in AZ

Arizona does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.

Arizona's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Flagstaff Car Insurance Rates by Driver Age

There’s no getting around it. Age means a lot when it comes to determining your car insurance rates in Flagstaff. While motorists in their 40s pay the least, at $107, the youngest and oldest drivers pay significantly more for insurance. The reason? Risk. Young drivers don’t have a lot of time behind the wheel and pay up to $278 per month in premiums. Car insurance premiums for seniors (who have more accidents on the whole) are $293 monthly.

Driving History
No Violation$155
Speeding Ticket$169
At-Fault Accident$215
Failure to Stop for Red Light / Stop Sign$128

Flagstaff Car Insurance Rates by Driving and Accident History

How you behave behind the wheel significantly affects your insurance rates in the City of Seven Wonders. Though car insurance companies only penalize you for three to five years when you have a violation, the rate increases brought about by poor driving decisions can sting. In Flagstaff, the clean-record crowd pays an average of $154 for car insurance monthly. However, having an at-fault accident on your record increases those rates to $214. This is one reason that accident forgiveness programs (whereby the insurance company overlooks the first accident you have) are so attractive.

Flagstaff Car Insurance Rates by Credit Tier

Paying your bills on time is essential—even when it comes to car insurance. Besides the fact that a company can cancel your policy if you forget to make a payment, on-time payments are important because they affect your credit score. Why care about that? In addition to things like age and marital status, car insurance companies use your credit score to determine risk and assess rates. Premiums for motorists with a good credit score in Flagstaff average out to $192 per month.

Flagstaff, AZ DMV Information

The Flagstaff Motor Vehicle Department is at 1959 S Woodlands Village Blvd. Ste B, Flagstaff, AZ 86001. The hours are Monday through Friday from 7:30 a.m. to 5 p.m., and the phone number is 1 (602) 255-0072. You must schedule services by appointment. You can skip the line and renew your registration, get a duplicate license, and a host of other services online.

Public Transportation in Flagstaff, AZ

Most Flagstaff residents drive to get from pine A to pine B, and interstate routes make it possible to get to Phoenix, Los Angeles, Las Vegas, Page, and Albuquerque. The city also provides public transportation. Flagstaff has an Amtrak station, and Mountain Line has bus routes and paratransit for the eligible. You can use the Greyhound to go beyond local. Wait too long for the bus? Rideshare services, such as Uber or Lyft, can help. And traditional taxi companies like Apex and Top Hat serve the community. Flagstaff has 130 miles of dedicated bike lanes and rideable shoulders so you can commute on your bike.

Conclusion: How to get the best and cheapest car insurance in Flagstaff, AZ

For a town where folks literally live higher up than everyone else, there's no need for car insurance rates to be high, too. Try Insurify to grab the best rates and compare dozens of insurance quotes in just a few seconds.

When one out of eight drivers in Arizona skips insurance, paying for added protection becomes even more valuable. Use Insurify to get the coverage and rate that will make you smile faster than your favorite breakfast at one of Flagstaff's flagship diners.

Find local Flagstaff agents

Flagstaff Insurance, Inc.
1300 E Butler Ave Suite 100, Flagstaff, AZ 86001-5928
Insurance for All LLC
4249 N Mountain Meadow Dr, Flagstaff, AZ 86004-2316
High Country Insurance, Inc.
2724 E Lakin Dr Ste 8, Flagstaff, AZ 86004-3900
NFP Property & Casualty Services, Inc.
420 N Humphreys St, Flagstaff, AZ 86001-4532
Leavitt Group of Northern Arizona
1338 W Forest Meadows St Ste 100, Flagstaff, AZ 86001-7218
International Insurance Group, Inc.
214 E Birch Ave, Flagstaff, AZ 86001-5246
Eric Boatner: Auto insurance
1525 N Beaver St, Flagstaff, AZ 86001
Becky Halstead: Allstate Insurance
4 S San Francisco St Ste 6, Flagstaff, AZ 86001
Farmers Insurance - Dan Hakes
2501 N Fourth St Ste 3, Flagstaff, AZ 86004
McGregor Insurance Group, Inc.
2708 N Fourth St Suite E-4, Flagstaff, AZ 86004

Insurify Insights: How Flagstaff Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Flagstaff, AZ
suspended licenses
#35
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Flagstaff drivers measure up to their fellow Arizona motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Flagstaff

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Flagstaff drivers rank 1 in the number of car accidents per driver across all cities in Arizona.

  • Rank within state: #1
  • Percent of drivers in Flagstaff with an accident: 14.42%
  • Drivers in Flagstaff, AZ with an accident in their driving history paid on average 62.04% more than drivers with a clean record

Speeding Flagstaff

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arizona, Flagstaff drivers rank 2 in the number of speeding infractions per driver.

  • Rank within state: #2
  • Percent of drivers in Flagstaff with a speeding ticket: 12.23%
  • Drivers in Flagstaff, AZ with a speeding ticket in their driving history paid on average 29.2% more than drivers with a clean record

DUI/DWIs Flagstaff

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Flagstaff drivers rank 2 in the number of DUI’s per driver across all cities in Arizona.

  • Rank within state: #2
  • Percent of drivers in Flagstaff with a DUI: 3.65%
  • Drivers in Flagstaff, AZ with a DUI in their driving history paid on average 35.04% more than drivers with a clean record

Most Popular Vehicle Flagstaff

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Flagstaff is the Ford F-Series Pickup.

Rude Flagstaff

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arizona, Flagstaff drivers rank 1 in rude driving infractions.

  • Rank within state: #1
  • Percent of drivers in Flagstaff with a reckless driving violation: 3.83%
  • Drivers in Flagstaff, AZ with a reckless driving violation in their driving history paid on average 43.8% more than drivers with a clean record.

Safest Drivers Flagstaff

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Flagstaff drivers rank 24 in clean driving records across all cities in Arizona.

  • Rank within state: #24
  • Percent of drivers in Flagstaff with clean record: 73.91%

Failure to Yield the Right of Way Flagstaff

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Flagstaff drivers rank 1 in failure to yield violations per driver across all cities in Arizona.

  • Rank within state: #1
  • Percent of drivers in Flagstaff with a failure to yield violation: 1.28%
  • Drivers in Flagstaff, AZ with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Flagstaff

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arizona, Flagstaff drivers rank 3 in the number of reckless driving offenses per driver.

  • Rank within state: #3
  • Percent of drivers in Flagstaff with a reckless driving offense: 0.18%

Hybrid/Electric Vehicle Ownership Flagstaff

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Flagstaff drivers rank 24 in hybrid and electric vehicle ownership across all cities in Arizona.

  • Rank within state: #24
  • Percent of drivers in Flagstaff with a hybrid/electric vehicle: 1.07%

FAQs - Flagstaff, AZ Car Insurance

Why is car insurance so expensive in Flagstaff?

Flagstaff is one of very few Arizona cities that gets all four seasons, and that can beat up cars and raise repair costs. Also, one out of eight Arizona drivers has no insurance. Insurers set the price to manage the increased risk, which results in higher premiums.

How can I get the cheapest car insurance in Flagstaff?

Drivers should opt for the state minimum coverage. It's the least amount of insurance Arizona allows. If you're financing your vehicle, lenders may require comprehensive and collision coverage. In that case, to cut your bill, raise your deductibles to the most you can afford out of pocket if an accident happens.

Who offers the cheapest car insurance in Flagstaff?

Car insurance costs change by city, company, and driver. If you're looking for prices tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve at a rate you can afford.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.