Cheapest Auto Insurance in Flagstaff, Arizona (2024)
Auto-Owners offers the cheapest car insurance in Flagstaff, with minimum-coverage policies as low as $36 per month.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated October 8, 2024
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Table of contents
Flagstaff drivers pay an overall average of $106 per month for car insurance, according to Insurify data. This is less than the national average of $158 per month and the state average of $139 per month.
Arizona has a relatively average rate of uninsured drivers, and Flagstaff has much fewer residents than other areas like Tucson or Phoenix, which can contribute to more affordable car insurance rates.[1] [2]
Here’s how to compare rates, insurers, and coverage to find the best car insurance company in Flagstaff.
Quick Facts
The average cost of car insurance in Flagstaff is $71 per month for liability coverage and $141 per month for full coverage.
Auto-Owners is the cheapest full-coverage car insurance company in Flagstaff, with monthly rates of $60.
Arizona requires drivers to carry liability coverage with limits of at least 25/50/15.[3]
3 of the cheapest car insurance companies in Flagstaff
Finding cheap car insurance in Flagstaff requires a little bit of research. While it’s important to find the lowest rates possible, you also want to make sure you have enough coverage and customer support when you need it.
Here are some of the cheapest insurance companies in Flagstaff from which to start your search.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $79 | $47 | Families |
| Mile Auto | 7.5 | $84 | $50 | Low-mileage drivers |
| Root | 8.4 | $129 | $75 | Good drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for families: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $36/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $60/mo |
Whether you work for Northern Arizona University, Flagstaff Medical Center, or one of the area’s many tourism destinations, Flagstaff is home to many families. Auto-Owners is the most affordable option for car insurance coverage and offers discounts and coverages that families can take advantage of.
While Auto-Owners offers free quotes, you’ll have to visit or talk with one of its local agents in Flagstaff to get a quote and finalize your coverage.
Pros
AM Best financial strength rating of A++ (Superior)
Many discounts
Cons
Can’t get a quote online
Below-average J.D. Power customer satisfaction rating in the Southwest region
Read more driver reviews of Auto-Owners
Mary - September 30, 2024
Verified
Premium Too High
I had them for only 6 months. I went from paying $162 to $638. I added a new car and a new driver. I understood there would be an increase, but not such a big one.
Charles - September 28, 2024
Verified
Auto Owners Insurance
This is a good company. However, their rates have become too expensive.
Eddie - September 23, 2024
Verified
Agency is Great
They're great, except the rates have skyrocketed lately.
…
Best insurer for low-mileage drivers: Mile Auto
Mile AutoCompare personalized, real-time quotes
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $63/mo |
Mile Auto may not be the best coverage choice for frequent road trips, but if you mostly stick around town, this insurance company may offer the best chance at the cheapest rates.
You pay for coverage based on the number of miles you drive, which you report by sending in a photo of your odometer once per month. People who work from home or drive infrequently may be able to save with Mile Auto.
Pros
No required in-car tracking device
Cheap rates for low-mileage drivers
Cons
Limited coverage options
No advertised discounts
Read more driver reviews of Mile Auto
Ann - September 24, 2024
Verified
Poor Review of Mile Auto
I was hoping to save money by switching to Mile Auto. While the first two months did that, the third month my premiums went back to nearly what I had been paying with GEICO. So, I am very displeased.
Carl - September 17, 2024
Verified
Excellent
Worth every penny, excellent.
Best - September 16, 2024
Verified
Tolerable Until Better
It's okay, but I expected it to be cheaper.
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Best insurer for good drivers: Root
RootCompare personalized, real-time quotes
| User Reviews | 2.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $81/mo |
Root uses your smartphone to monitor your driving habits and adjust your rates accordingly. New customers do a three-week test-drive period, during which Root analyzes your driving habits and calculates a quote.
Root doesn’t place as much emphasis on traditional pricing factors, meaning you may qualify for a better rate based on your age, ZIP code, marital status, or credit score if you’re an otherwise good driver.
Pros
Free roadside assistance included
Lower rates for good drivers
Cons
Doesn’t offer gap insurance
Long quote process
Read more driver reviews of Root
Medina - October 7, 2024
Verified
Raised My Rates as Soon as They Could
They are all the same. They start out good and increase rates as soon as legally possible.
Timothy - October 7, 2024
Verified
Unfair Pricing
Too expensive.
Juan - October 6, 2024
Verified
It's Okay
It's average. Cheaper options are available.
…
How to get the cheapest car insurance in Flagstaff
Finding the best price on an auto insurance policy isn’t very difficult; it just takes a bit of time and effort. Here’s how you can lower your car insurance rates and find the best policy for you:
Increase your deductible. Choose the highest comprehensive and collision deductibles you can afford. The more you’re willing to pay when you file a claim, the lower your premiums will be.
Shop around. Get free quotes from multiple car insurance companies to compare rates and coverages. Choose a company that not only has the coverage you need but also the best price for your budget.
Look for discounts. As you shop around, look for car insurance companies with plenty of discounts you can qualify for. The more discounts on your policy, the less you’ll pay.
Bundle policies. Many insurance companies discount your rates when you buy more than one policy. Combine your auto insurance and home insurance for a rate reduction on both.
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Cheapest liability-only car insurance in Flagstaff: Auto-Owners
A minimum-coverage car insurance policy in Flagstaff costs $71 per month, on average. A liability policy helps cover the cost of any damages and injuries you cause to others in an at-fault accident, but it doesn’t cover your damages or injuries. Because it only meets the state’s minimum requirements without additional protection, it’s usually the cheapest car insurance you can get in Flagstaff.
Here are some cheap liability car insurance companies in Flagstaff.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $36 |
| Mile Auto | $38 |
| State Farm | $44 |
| GEICO | $46 |
| Root | $48 |
| USAA | $49 |
| Sun Coast | $57 |
| Metromile | $59 |
| National General | $60 |
| Midvale Home & Auto | $65 |
| Safeco | $66 |
| Allstate | $73 |
| Direct Auto | $75 |
| Progressive | $75 |
| Travelers | $76 |
| Mercury | $77 |
| Hallmark | $81 |
| Dairyland | $82 |
| COUNTRY Financial | $86 |
| American Family | $87 |
| The Hartford | $89 |
| Farmers | $90 |
| The General | $90 |
| GAINSCO | $92 |
| Nationwide | $100 |
| Bristol West | $104 |
| Infinity | $105 |
| Liberty Mutual | $108 |
| AssuranceAmerica | $115 |
| Commonwealth Casualty | $126 |
| Foremost | $160 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Flagstaff: Auto-Owners
In Flagstaff, the average cost of full-coverage car insurance is $141 per month. Full-coverage policies usually include comprehensive and collision coverage, which pays for damages to your vehicle, regardless of fault. Because they have more protection, full-coverage policies are usually more expensive.
The table below has cheap full-coverage options to consider.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $60 |
| Mile Auto | $63 |
| State Farm | $75 |
| GEICO | $77 |
| Root | $81 |
| USAA | $84 |
| Metromile | $100 |
| Safeco | $103 |
| Midvale Home & Auto | $106 |
| Sun Coast | $120 |
| Allstate | $125 |
| Travelers | $129 |
| Progressive | $131 |
| Mercury | $133 |
| National General | $140 |
| Infinity | $143 |
| State Auto | $144 |
| COUNTRY Financial | $146 |
| American Family | $147 |
| The Hartford | $151 |
| Farmers | $152 |
| Nationwide | $156 |
| Direct Auto | $167 |
| Liberty Mutual | $182 |
| AssuranceAmerica | $186 |
| Hallmark | $190 |
| Dairyland | $196 |
| Bristol West | $200 |
| The General | $201 |
| GAINSCO | $211 |
| Foremost | $277 |
| Commonwealth Casualty | $296 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Flagstaff, Arizona
Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $46/mo for full coverage in Flagstaff and other Arizona cities.
*Quotes generated for Insurify users in and around Flagstaff, Arizona within the last 10 days. Last updated on October 8, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 8, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Flagstaff, Arizona within the last 10 days. Last updated on October 8, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 8, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arizona
Arizona requires all drivers to purchase a minimum level of liability insurance to drive legally. You must have 25/50/15 liability limits. Here’s what that translates to:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 |
In addition to these minimum amounts, it’s a good idea to consider whether these optional coverages are worth adding to your policy:
Comprehensive coverage
Comprehensive insurance pays for vehicle damage from non-collision incidents, like falling objects, severe weather, theft, vandalism, and more.
Collision coverage
Collision insurance covers vehicle repairs when you hit a stationary object or another vehicle, regardless of fault.
Medical payments coverage
Medical payments insurance helps cover any medical payments for you and people in your car, even if you already have health insurance.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your damages and injuries if someone without insurance or without enough coverage causes an accident.
Gap coverage
If you financed or leased your car, gap insurance pays the difference between the remaining loan balance and insurance settlement in the event of a total loss.
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Is Accident Forgiveness Insurance Worth It?
Cheapest car insurance for drivers with an incident
Flagstaff reported about 1,700 car accidents in 2022, about 80 of which were alcohol-related.[5] If you have an at-fault accident, speeding ticket, or driving under the influence (DUI) conviction on your record, your rates will increase. Arizona may even require you to file an SR-22 insurance form, which can increase your rates for three or more years.
The incident’s severity can also affect your rates. Drivers with no incidents pay an average of $71 per month for liability coverage, but drivers with an at-fault accident pay an average of $101 per month. A DUI — which is a serious conviction — increases this average to $116 per month.
Here’s how your driving record affects average rates in Flagstaff.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Auto-Owners | $36 | $47 | $48 | $59 |
| Mile Auto | $38 | $51 | $54 | $62 |
| State Farm | $44 | $56 | $59 | $72 |
| GEICO | $46 | $59 | $62 | $75 |
| Root | $48 | $66 | $69 | $79 |
| USAA | $49 | $63 | $66 | $80 |
| Sun Coast | $57 | $80 | $81 | $93 |
| Metromile | $59 | $80 | $83 | $97 |
| National General | $60 | $78 | $81 | $98 |
| Safeco | $66 | $86 | $87 | $108 |
| Allstate | $73 | $94 | $98 | $120 |
| Direct Auto | $75 | $97 | $103 | $123 |
| Progressive | $75 | $97 | $102 | $123 |
| Travelers | $76 | $99 | $103 | $125 |
| Mercury | $77 | $106 | $110 | $115 |
| Dairyland | $82 | $106 | $110 | $134 |
| COUNTRY Financial | $86 | $114 | $120 | $141 |
| American Family | $87 | $112 | $117 | $143 |
| The Hartford | $89 | $127 | $132 | $133 |
| Farmers | $90 | $115 | $120 | $148 |
| The General | $90 | $118 | $123 | $148 |
| GAINSCO | $92 | $128 | $118 | $151 |
| Nationwide | $100 | $130 | $136 | $164 |
| Bristol West | $104 | $134 | $139 | $171 |
| Infinity | $105 | $141 | $139 | $172 |
| Liberty Mutual | $108 | $151 | $155 | $177 |
| AssuranceAmerica | $115 | $150 | $153 | $189 |
| Commonwealth Casualty | $126 | $176 | $166 | $207 |
| Foremost | $160 | $223 | $230 | $262 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Insurance companies charge teen drivers higher rates because their inexperience driving poses a higher risk of insurance losses. And senior drivers may pay slightly more expensive rates than they did when they were younger because age-related health issues can affect their driving abilities. Drivers in their 30s and 40s usually pay the cheapest rates, as long as they have a clean driving record.
Here’s how average rates in Flagstaff change based on driver age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $278 |
| 20s | $184 |
| 30s | $137 |
| 40s | $124 |
| 50s | $109 |
| 60s | $100 |
| 70s | $107 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Flagstaff car insurance quotes by credit tier
Arizona allows insurance companies to use your insurance-based credit score when determining your car insurance premium.[6] Insurance companies believe that drivers with good credit are less likely to file claims than drivers with poor credit, so they charge higher rates for people with less-than-perfect credit scores.
Here are Flagstaff’s average car insurance rates based on credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Flagstaff car insurance FAQs
Learn about same-day car insurance, and check out the answers to common questions about auto coverage in Flagstaff below.
How much is car insurance in Flagstaff?
The average cost of car insurance in Flagstaff is $71 per month for liability coverage and $141 per month for full coverage.
Which companies have the cheapest car insurance in Flagstaff?
Auto-Owners, Mile Auto, and State Farm are the cheapest car insurance companies in Flagstaff, with rates as low as $36, $38, and $44 per month, respectively.
But the cheapest company for someone else may not be the cheapest for you. It’s important to compare rates from multiple companies to find the one that offers you the best deal. You can also use a quote-comparison website to help you look at multiple rates in one place.
What are the best car insurance companies in Flagstaff?
Some of the best car insurance companies in Flagstaff include Auto-Owners, Mile Auto, and Root. These insurers offer relatively cheap average rates, advertise plenty of coverage options, and have high Insurify Quality (IQ) Scores.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Arizona
Sources
- Insurance Research Council. "Auto Insurance Affordability: Countrywide Trends and State Comparisons."
- U.S. Census Bureau. "QuickFacts: Phoenix city, Arizona; Tucson city, Arizona; Flagstaff city, Arizona."
- Department of Transportation. "What is "mandatory insurance"?."
- Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
- Arizona Department of Transportation. "2022 Arizona Crash Facts Summary."
- Arizona Department of Insurance. "How Insurance Companies Use Credit Information."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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