Affordable Car Insurance Rates in Flagstaff, AZ (2021)
Car insurance rates in Flagstaff, AZ are $287/month on average. By law, Arizona drivers need to carry at least 15/30/10 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Flagstaff car insurance companies to get the coverage you need at the best rates available.
Free Car Insurance Comparison
Secured with SHA-256 Encryption
|
Written by
Leslie Kasperowicz
|
|
Reviewed by
Melanie Musson
|
UPDATED: Apr 14, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
- The cheapest car insurance company in Flagstaff after a DUI is GEICO
- Average car insurance rates in Flagstaff, AZ for senior drivers are $1,985/year
- The annual number of car thefts in Flagstaff is 53.
Average car insurance rates in Flagstaff, Arizona are $287 a month. But with a little research you can get a great deal from the top car insurance companies in Flagstaff, AZ. Before you buy Flagstaff, Arizona car insurance, make sure your coverage meets or exceeds the Arizona minimum of 15/30/10.
It may even be helpful to compare Flagstaff car insurance rates with Scottsdale car insurance rates, Chandler car insurance rates, or Mesa car insurance rates to make sure you’re getting the best Flagstaff, AZ car insurance quotes available.
Need affordable Flagstaff, AZ car insurance? Enter your ZIP code to compare Flagstaff car insurance quotes from multiple car insurance companies near you.
Table of Contents
Flagstaff, AZ Minimum Car Insurance Coverage
Flagstaff, Arizona law requires drivers carry a minimum of 15/30/10 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Flagstaff, AZ Car Insurance Rates by Coverage Level
Some Flagstaff drivers can get by with the Arizona minimum coverage of 15/30/10. Other drivers may need more. See how much your Flagstaff, Arizona car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,513 | $4,822 | $5,054 |
| American Family | $3,608 | $3,865 | $3,763 |
| Farmers | $3,673 | $4,273 | $4,754 |
| GEICO | $1,813 | $2,127 | $2,358 |
| Nationwide | $2,829 | $2,941 | $2,978 |
| Progressive | $2,861 | $3,247 | $3,472 |
| State Farm | $3,526 | $3,944 | $4,168 |
| Travelers | $2,782 | $3,116 | $3,318 |
| USAA | $2,818 | $3,082 | $3,229 |
Flagstaff, AZ Car Insurance Rates by Age, Gender, and Marital Status
Flagstaff, Arizona car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Flagstaff, AZ car insurance, get quotes from multiple car insurance companies in the Flagstaff area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,378 | $3,378 | $3,290 | $3,290 | $7,438 | $9,670 | $3,793 | $4,131 |
| American Family | $2,484 | $2,484 | $2,282 | $2,282 | $6,531 | $8,487 | $2,484 | $2,928 |
| Farmers | $2,305 | $2,300 | $2,054 | $2,180 | $9,670 | $10,014 | $2,619 | $2,726 |
| GEICO | $1,422 | $1,591 | $1,186 | $1,503 | $4,117 | $4,369 | $1,305 | $1,302 |
| Nationwide | $1,977 | $2,015 | $1,772 | $1,875 | $4,812 | $6,148 | $2,275 | $2,455 |
| Progressive | $1,764 | $1,555 | $1,587 | $1,507 | $7,231 | $8,082 | $1,909 | $1,912 |
| State Farm | $2,352 | $2,352 | $2,059 | $2,059 | $7,304 | $9,155 | $2,534 | $3,221 |
| Travelers | $1,948 | $2,048 | $1,795 | $1,908 | $5,626 | $7,014 | $2,066 | $2,173 |
| USAA | $1,655 | $1,659 | $1,546 | $1,563 | $6,234 | $7,165 | $2,180 | $2,341 |
Flagstaff, AZ Car Insurance Rates for Teens
How much is Flagstaff, Arizona car insurance for teens? Compare rates from top Flagstaff car insurance companies below to help find the cheapest teen car insurance in Flagstaff, AZ.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,438 | $9,670 |
| American Family | $6,531 | $8,487 |
| Farmers | $9,670 | $10,014 |
| GEICO | $4,117 | $4,369 |
| Nationwide | $4,812 | $6,148 |
| Progressive | $7,231 | $8,082 |
| State Farm | $7,304 | $9,155 |
| Travelers | $5,626 | $7,014 |
| USAA | $6,234 | $7,165 |
Flagstaff, AZ Car Insurance Rates for Seniors
Before seniors buy Flagstaff, Arizona car insurance, they should make sure to shop around. Some Flagstaff, AZ car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,290 | $3,290 |
| American Family | $2,282 | $2,282 |
| Farmers | $2,054 | $2,180 |
| GEICO | $1,186 | $1,503 |
| Nationwide | $1,772 | $1,875 |
| Progressive | $1,587 | $1,507 |
| State Farm | $2,059 | $2,059 |
| Travelers | $1,795 | $1,908 |
| USAA | $1,546 | $1,563 |
Flagstaff, AZ Car Insurance Rates by Credit History
How does your credit history affect Flagstaff, AZ car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,148 | $4,366 | $3,874 |
| American Family | $4,711 | $3,505 | $3,020 |
| Farmers | $4,833 | $4,032 | $3,835 |
| GEICO | $2,881 | $1,893 | $1,524 |
| Nationwide | $3,498 | $2,797 | $2,454 |
| Progressive | $3,561 | $3,111 | $2,908 |
| State Farm | $7,145 | $2,764 | $1,730 |
| Travelers | $3,740 | $3,054 | $2,423 |
| USAA | $4,008 | $2,796 | $2,325 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Flagstaff, AZ Car Insurance Rates by Driver History
How does a single speeding ticket affect your Flagstaff, Arizona car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Flagstaff.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,841 | $4,850 | $5,517 | $4,976 |
| American Family | $2,642 | $4,162 | $5,107 | $3,071 |
| Farmers | $3,573 | $4,607 | $4,495 | $4,259 |
| GEICO | $1,631 | $2,193 | $2,943 | $1,631 |
| Nationwide | $2,476 | $2,599 | $3,826 | $2,764 |
| Progressive | $2,821 | $3,703 | $2,977 | $3,272 |
| State Farm | $3,529 | $4,230 | $3,880 | $3,880 |
| Travelers | $2,457 | $3,209 | $3,552 | $3,071 |
| USAA | $2,213 | $3,172 | $4,181 | $2,605 |
Flagstaff, AZ Car Insurance Rates With a DUI
Even a single DUI can increase your Flagstaff, AZ car insurance rates. Compare rates below to see which Flagstaff car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,517 |
| American Family | $5,107 |
| Farmers | $4,495 |
| GEICO | $2,943 |
| Nationwide | $3,826 |
| Progressive | $2,977 |
| State Farm | $3,880 |
| Travelers | $3,552 |
| USAA | $4,181 |
Flagstaff, AZ Car Insurance Rates by ZIP Code
Just like Flagstaff car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Flagstaff, AZ car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 86001 | $3,288 |
| 86004 | $3,258 |
| 86005 | $3,247 |
| 86011 | $3,705 |
| 86024 | $3,420 |
| 86038 | $3,441 |
Flagstaff, AZ Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Flagstaff, AZ car insurance rates may be. Let’s take a look at average car insurance rates from top Flagstaff companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,796 | $4,796 |
| American Family | $3,709 | $3,782 |
| Farmers | $4,233 | $4,233 |
| GEICO | $2,064 | $2,134 |
| Nationwide | $2,916 | $2,916 |
| Progressive | $3,193 | $3,193 |
| State Farm | $3,784 | $3,975 |
| Travelers | $3,072 | $3,072 |
| USAA | $3,010 | $3,076 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Flagstaff, AZ Cheapest Car Insurance Rates
How do the top Flagstaff, Arizona car insurance companies’ average rates stack up against the Flagstaff average monthly car insurance rates of $287? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | GEICO |
| Seniors | GEICO |
| Clean Record | GEICO |
| With 1 Accident | GEICO |
| With 1 DUI | GEICO |
| With 1 Speeding Violation | GEICO |
Flagstaff, AZ Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Flagstaff, Arizona car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,796 |
| American Family | $3,745 |
| Farmers | $4,233 |
| GEICO | $2,099 |
| Nationwide | $2,916 |
| Progressive | $3,193 |
| State Farm | $3,880 |
| Travelers | $3,072 |
| USAA | $3,043 |
Other Factors Affecting Flagstaff, AZ Car Insurance Rates
Before you buy Flagstaff, Arizona car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Flagstaff, AZ Car Theft Rates
The car theft rate in Flagstaff, AZ will affect your car insurance rates. FBI data shows that the annual car theft rate for Flagstaff, Arizona is 53 stolen cars.
Flagstaff, AZ Commute Time
How does your Flagstaff, AZ commute time compare with the average driver? In Flagstaff, the average commute is 15.4 minutes.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Flagstaff, AZ Car Insurance Quotes
Compare Flagstaff, AZ car insurance quotes from multiple companies by entering your ZIP code now.