Best Cheap Auto Insurance in Flagstaff, AZ (2021)

The average Flagstaff, AZ auto insurance rates are $287 per month. The minimum auto insurance in Flagstaff is at least 15/30/10 in coverage to comply with Arizona auto insurance laws. To find the best cheap auto insurance in Flagstaff, Arizona, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Flagstaff is 15.4 minutes
  • Average auto insurance rates in Flagstaff, AZ for senior drivers are $1,985 per year
  • The cheapest auto insurance company in Flagstaff is GEICO

Flagstaff, Arizona auto insurance requirements are 15/30/10 according to Arizona auto insurance laws. Finding cheap auto insurance in Flagstaff can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Flagstaff, Arizona, including driving record, credit, commute time, and more.

Compare auto insurance in Flagstaff to other Arizona cities, including Mesa auto insurance rates, Scottsdale auto insurance rates, and Tempe auto insurance rates to see how Flagstaff, Arizona auto insurance rates stack up.

Before you buy Flagstaff, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Flagstaff, Arizona auto insurance quotes.

Minimum Auto Insurance in Flagstaff, Arizona

Flagstaff, Arizona auto insurance laws require that you have at least the Arizona minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Flagstaff, Arizona.

Minimum Required Auto 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

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Cheap Flagstaff, Arizona Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Flagstaff, Arizona are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Flagstaff, Arizona Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Flagstaff, Arizona is a challenge. Take a look at the annual teen auto insurance rates in Flagstaff, Arizona.

Annual Auto 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

Cheap Flagstaff, Arizona Auto Insurance for Seniors

What are senior auto insurance rates in Flagstaff, Arizona? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Flagstaff, Arizona Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Flagstaff, Arizona compared to the annual auto insurance rates with a clean record in Flagstaff, Arizona.

Annual Flagstaff, Arizona Auto 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

Cheap Flagstaff, Arizona Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Flagstaff, Arizona is not easy. Compare the annual rates for DUI auto insurance in Flagstaff, Arizona to find the best deal.

Annual Auto Insurance Rates After a DUI in Flagstaff, Arizona

Insurance Company Annual Auto 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

Cheap Flagstaff, Arizona Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Flagstaff, Arizona annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Flagstaff, Arizona Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Flagstaff, Arizona can vary. Compare the annual cost of auto insurance by ZIP code in Flagstaff, Arizona to see how car insurance rates are affected by location.

Annual Auto 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

Cheap Flagstaff, Arizona Auto Insurance Rates By Commute

Commute length and annual mileage affect Flagstaff, Arizona auto insurance. Find the cheapest annual Flagstaff, Arizona auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Flagstaff, Arizona

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Flagstaff, Arizona Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Flagstaff, Arizona? Check out the comparison of annual Flagstaff, Arizona auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Flagstaff, Arizona

Compare the cheapest auto insurance companies in Flagstaff, Arizona in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Flagstaff, Arizona Auto Insurance Companies

What auto insurance companies in Flagstaff, Arizona are the cheapest? Compare the top Flagstaff, Arizona auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Flagstaff, Arizona?

There are a lot of reasons why auto insurance rates in Flagstaff, Arizona are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Flagstaff, Arizona. Many local factors may affect your Flagstaff auto insurance rates.

Flagstaff Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Flagstaff, Arizona auto theft statistics, there have been 53 auto thefts in the city.

Flagstaff Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Flagstaff, Arizona commute length is 15.4 minutes according to City-Data.

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Compare Flagstaff, Arizona Auto Insurance Quotes

Before you buy Flagstaff, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Flagstaff, Arizona auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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