Compare Flagstaff, AZ Car Insurance Rates (2021)

Car insurance in Flagstaff, AZ averages $287 a month. Flagstaff, Arizona car insurance requirements are 15/30/10, but you might need full coverage insurance if your car is financed. To find cheap Flagstaff car insurance rates, compare quotes from the top car insurance companies in Flagstaff, AZ.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Flagstaff is 86005
  • The cheapest car insurance company in Flagstaff is GEICO
  • Average car insurance rates in Flagstaff, AZ after a DUI are $4,053/year

If you need to buy Flagstaff, Arizona car insurance, the options can be confusing. Everything you need to know about car insurance in Flagstaff, AZ is right here.

You’ll find Flagstaff car insurance rates, the cheapest Flagstaff, AZ car insurance companies, and information on Arizona car insurance laws. You can also compare Flagstaff, Arizona car insurance rates to Glendale car insurance rates, Scottsdale car insurance rates, and Peoria car insurance rates.

Ready to find affordable Flagstaff, AZ car insurance today? Enter your ZIP code for fast, free Flagstaff car insurance quotes.

Cheapest Flagstaff, AZ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Flagstaff, AZ car insurance rates? Every Flagstaff, Arizona car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Flagstaff, Arizona

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

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Minimum Car Insurance in Flagstaff, AZ

Every driver must carry the minimum car insurance in Flagstaff, AZ. Take a look at the Arizona car insurance requirements.

Minimum Required Car Insurance Coverage in Flagstaff, Arizona

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

Cheapest Flagstaff, AZ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Flagstaff, AZ. Compare credit history car insurance rates in Flagstaff from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Flagstaff, Arizona

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

Cheapest Flagstaff, AZ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Flagstaff, AZ to rates for a clean record with top companies.

Annual Flagstaff, Arizona Car Insurance Rates by Driving Record

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

Cheapest Flagstaff, AZ Car Insurance for Teen Drivers

Teen car insurance in Flagstaff, AZ can be expensive. Take a look at rates from the top car insurance companies in Flagstaff for teenagers.

Annual Car Insurance Rates for Teen Drivers in Flagstaff, Arizona

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

Cheapest Flagstaff, AZ Car Insurance for Seniors

Take a look at Flagstaff, AZ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Flagstaff, Arizona

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

Cheapest Flagstaff, AZ Car Insurance Rates After a DUI

A DUI in Flagstaff, AZ increases car insurance rates. Compare Flagstaff, Arizona DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Flagstaff, Arizona

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

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Cheapest Flagstaff, AZ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Flagstaff, AZ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Flagstaff, Arizona

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

Cheapest Flagstaff, AZ Car Insurance Rates by ZIP Code

Flagstaff car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Flagstaff, AZ.

Annual Car Insurance Rates by ZIP Code in Flagstaff, Arizona

ZIP Code Average Annual Rates
86001 $3,288
86004 $3,258
86005 $3,247
86011 $3,705
86024 $3,420
86038 $3,441

The Best Cheap Car Insurance Companies in Flagstaff, AZ

Take a look at a side-by-side comparison of the top car insurance companies in Flagstaff, AZ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Flagstaff, Arizona

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

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Category Winners: Cheapest Car Insurance in Flagstaff, Arizona

Find the cheapest car insurance companies in Flagstaff, AZ for each category right here.

Best Annual Car Insurance Rates by Company in Flagstaff, Arizona

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Cheapest Flagstaff, AZ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Flagstaff car insurance rates. Find the cheapest Flagstaff, AZ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Flagstaff, Arizona

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

What affects car insurance rates in Flagstaff, Arizona?

What factors can have an impact on Flagstaff, AZ car insurance? There are several reasons why Flagstaff car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Flagstaff, Arizona.

Car Theft in Flagstaff

High levels of vehicle theft can make car insurance more expensive. Flagstaff, AZ car theft statistics from the FBI indicate 53 vehicle thefts a year.

Commute Time in Flagstaff

The more time you spend in your car the higher the risk of an accident. The average commute length in Flagstaff, AZ is 15.4 minutes according to City-Data.

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Compare Car Insurance Quotes in Flagstaff, AZ

Ready to find affordable Flagstaff, Arizona car insurance today? Enter your ZIP code for fast, free Flagstaff, AZ car insurance quotes.

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Average Monthly Car Insurance Rates by State