Cheap Auto Insurance Quotes in Flagstaff, AZ (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Flagstaff, AZ

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

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Flagstaff, AZ Driving Facts

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
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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.

Driver's AgeAvg. Monthly Cost
teens$279
20s$185
30s$129
40s$108
50s$151
60s$140
70s$294
80s$242
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$165
Good$193
Average$150
Poor$170

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Flagstaff stacks up for the state of Arizona:

ford
Ford F-Series Pickup
Most Popular Car in
Flagstaff, AZ
suspended licenses
#8
Cities with Most
Suspended Licenses Rank

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.