Cheapest Auto Insurance in Flagstaff, Arizona (2025)

Flagstaff drivers pay an overall average of $102 per month for car insurance, according to Insurify data. This is less than the national average of $144 per month and the state average of $127 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.

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.

Best insurer for families: Auto-Owners

Best insurer for low-mileage drivers: Mile Auto

Best insurer for good drivers: Root

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.

Cheapest liability-only car insurance in Flagstaff: Mile Auto

A minimum-coverage car insurance policy in Flagstaff costs $75 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.

Cheapest full-coverage car insurance in Flagstaff: Mile Auto

In Flagstaff, the average cost of full-coverage car insurance is $128 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.

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

In addition to these minimum amounts, it’s a good idea to consider whether these optional coverages are worth adding to your policy:

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 $75 per month for liability coverage, but drivers with an at-fault accident pay an average of $96 per month. A DUI — which is a serious conviction — increases this average to $100 per month.

Here’s how your driving record affects average rates in Flagstaff.

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.

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.