On average, car insurance in Flagstaff costs $1,656 for full coverage and $504 for state-required minimum coverage per year. This is just slightly lower than the national average of $1,674 and a little above the state average of $1,547. The amount you pay in Arizona car insurance will depend on several factors, most notably your age, gender, zip code of residence, and claims record.
Other factors that go into determining your auto insurance premiums include the make/model of the vehicle you drive, credit history, marital status, and safe driving behaviors. For example, some insurers reward the insured with lower rates if they prove their vehicle has anti-theft devices or anti-lock brakes.
Arizona is an at-fault state, which means if you caused the accident, you are on the hook for the property damage of anyone else involved. The state-required minimum liability pays for those costs up to your policy limit. Any damage you sustain – to yourself or your property – comes out of your pocket, in addition to anything left over after your insurance has paid the other party.
On the other hand, full coverage pays for the other party’s bills, as well as your own, if you are at fault. In the event of an accident, you do not want to be on the hook for medical bills, court fees, and countless headaches. Thankfully, there are many steps you can take to reduce your premiums that are within your control.
Flagstaff Car Insurance Rates by Zip Code
Zip code is a determining factor on your car insurance premium. The higher the theft and incident rate in a select zip code, the higher the rates. Since Flagstaff only has 4 zip codes, there’s not much difference between them.
Flagstaff has four zip codes. Here are the average monthly rates for each zip code: