What is the Average Cost of Car Insurance in Flagstaff?

Flagstaff, AZ is a metro area that over 138,000 people call home. Approximately 75,000 of those citizens live in Flagstaff itself and the town has grown by 13% since 2010. The area is rather young, with a median age of 30 and a strong median household income of $53,000 for the metro and $56,000 for those in the city limits. Drivers in Flagstaff enjoy relatively low commute times, as the average trip to work takes a mere 17 minutes. The city also enjoys relatively low rates of auto theft and the area is ranked #282 for theft nationwide. Only 165 cars were stolen in all of 2018.

Thus, the automobile insurance picture for Flagstaff is quite favorable. Low population, minimal drive-time factors, and a strong economy all conspire to result in low auto insurance premiums. However, the relative youth of the Flagstaff population might slightly mitigate these otherwise stellar factors. Insurance companies also factor in that each household averages two cars in the driveway, meaning that for every home, their automobiles can spend as much time as 5.6 hours on the road every week traveling to and from work. When trips for activities, social events, and vacations are included, each home in Flagstaff could tally up to 10 or more hours on the roads.

What are the Insurance Requirements in Flagstaff?

Like most other states in the US, Arizona requires that all drivers carry an insurance policy. This is so that every driver can seek compensation if they are the victim of an accident. Insurance policies also give auto lenders much needed security and help to protect their investments.

Arizona law dictates that each driver should be covered by at least a liability policy. These policies cover damage done to the non-faulted driver, but don’t cover damage to the at-fault driver’s vehicle. As of July, 2020, the AZ state legislature requires that all policies cover $25,000 per person and $50,000 for injuries per accident. Every driver’s policy should also cover $15,000 per accident to cover property damage.

While a liability policy does ensure a driver is in compliance with the laws of Arizona, these policies are rather limited in their scope and aren’t necessarily recommended. When drivers add collision coverage, for instance, their car is covered no matter who is at fault. Further, if the driver is not at fault, they can immediately begin the repairs process while the insurance companies settle the claim.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Flagstaff by Insurer

Every driver in Arizona wants lower car insurance premiums. When they are able to reduce that necessary expense, funds are freed up for other items such as vacations, home improvements, and investments. The chart below compares the average rates Arizona insurers charge for auto policies. Keep in mind that lower premiums may not always represent the best value. Investigate what companies have to offer in terms of service, including the ability to bundle an auto policy with other policies, such as renter’s or homeowner’s insurance.

Compare auto insurance quotes with our expert guide here.

Low Cost Auto Insurance for Bad Credit in Flagstaff

Arizona, like most states, allows insurance companies to base their premiums on credit scores. However, if the insurer decides to impose an adverse decision, such as canceling the policy, the company must provide specific reasons. The Arizona insurance board does not allow companies to adversely impact their insured customers on the basis of medical debt or bills, lack of credit history, or a driver’s total available credit. But credit scores can still make quite a difference in Arizona. Those with good credit can pay as much as $1000 less than those with poor scores.

Check out this bad credit guide to help get lower auto insurance rates.

Full Coverage Vs. Liability Coverage

What is Liability Only Insurance Coverage?

Liability insurance covers the possible cost of damage you cause to others while driving. This could mean the cost of medical care for those injured in an accident or repair costs of the damage you have caused to other vehicles.

With liability insurance, there are 3 key numbers: injury coverage per person, coverage for total injury per accident, and property damage coverage per accident. Each state has different requirements for car insurance minimums. In a policy that has coverage for 15/30/25 means $15,000 per injured person, with a maximum of $30,000 for all the people who are injured in an accident, and $25,000 in coverage for property damage.

What is Full Coverage Car Insurance?

While liability insurance covers other people and vehicles in an accident where you were the one considered at fault, full coverage insurance can also cover you and your vehicle as well. Full coverage includes two different types of coverage combined into one insurance plan; comprehensive insurance and collision.

Comprehensive coverage is for the damage of other vehicles that are outside of driving situations such as weather damage, fire, or theft.

Collision coverage is basically to pay for damage that you caused while driving such as an accident with another vehicle, hitting an object, or driving off the road.

The difference between collision and comprehensive is, if a tree were to fall on your car and damage it, comprehensive insurance would cover it, however, if you were driving and hit a tree causing damage to your car, then it would be covered by collision.

What is the Difference Between the Two Types of Car Insurance?

The main difference between having liability and full coverage insurance is that liability insurance will only pay for injuries to others and their damages that resulted from an accident where you were at fault, where full coverage will not only pay for the damages and injuries done to others but will also cover your injuries and auto damages that resulted from an accident that you caused as well.

Average Annual Car Insurance Rates in Arizona by City

Additional cities in Arizona you can check out.

Tempe

Helpful Advice to Get Lower Car Insurance Rates

Find additional ways to save on your Flagstaff car insurance premiums with these insurance discounts:

  • Shop around –

    As you can see from these few examples, the rates insurers charge for the very same driver demographics can vary incredibly. The television commercials by the insurers tell us we can save hundreds of dollars on automobile insurance. Actually, you could save a thousand or more dollars on your insurance each year.

  • Drive defensively –

    If you can stay out of accidents and don’t accrue moving violations, you can save a lot of money on your automobile insurance. People with too many accidents and moving violations have trouble getting insured at any rate.

  • Drive an older car –

    If you have a car that is too old and not worth enough to carry collision insurance, you can save quite a bit of money. This especially applies to younger drivers whose insurance costs are much higher. If they can drive an older vehicle that would just require liability insurance and maybe some inexpensive comprehensive insurance, they can save at least a thousand dollars or more on insurance.

  • Buy collision insurance with a high deductible rate –

    The higher deductible rate you can tolerate in the event of a collision and the need to repair your vehicle, the lower your collision insurance cost will be. Your collision insurance rate will be really high if your deductible is only around $500. If you can tolerate $1,500 or so, you can save quite a bit of money on this portion of your annual insurance rate.

  • Bundle your home and automobile insurance policies –

    If you can buy your automobile and home insurance from the same company, you will likely save money. Most insurers offer a substantial discount for having your home and auto policy with them.

Find the best discounts on car insurance using this guide.

Reasons that Affect Your Automobile Insurance Rates in Flagstaff

Your car insurance rates can change over time. One of the most reliable factors that will impact your premiums is your age. The older you are, the lower your insurance premiums should be. You may also find your rates vary depending on the car you drive. Sports cars or jeeps may incur higher premiums, while SUVs and sedans are cheaper to insure.

Rates are also impacted by your gender and age, though young women will have lower rates than their same-aged male friends. Actuarial tables show that young drivers are more prone to speeding, alcohol infractions, and accidents than older people, as are young males rather than females.

You can also reduce your regular premium payments by opting for a higher deductible on your collision and comprehensive coverage packages. You can also opt to pay your premium in a larger, single payment every six months rather than spreading the premium out over monthly payments.

Use this guide to compare top insurance company rates if you have a bad driving record.

Helpful Flagstaff, Arizona Vehicle Resources:

Live Traffic and Accidents
https://www.viamichelin.com/web/Traffic/Traffic_info-Flagstaff-_-Arizona-United_States

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)
https://azdot.gov/content/flagstaff

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Lyft
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