{"id":34401,"date":"2021-12-23T09:36:40","date_gmt":"2021-12-23T17:36:40","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=34401"},"modified":"2023-09-21T08:25:52","modified_gmt":"2023-09-21T15:25:52","slug":"flagstaff","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/arizona\/flagstaff\/","title":{"rendered":"Car Insurance in Flagstaff"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61ba615567096\">\n    <div class=\"o-wrapper \">\n        \n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Flagstaff is one of northern Arizona\u2019s most popular cities, and when visiting this beautiful area, it&#8217;s important to remember to have proper <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">auto insurance<\/a>. Nestled in the high country mountains, Flagstaff is steeped in Native American traditional and natural wonders, starting with its \u201cInternational Dark Sky City\u201d designation that makes it one of the best cities in the country to stargaze with its exceptionally clear skies.<\/p>\n<p>The city is also located within the world\u2019s largest Ponderosa Pine forest with several neighboring national parks. A stone\u2019s throw away is Grand Canyon, another archeological wonder. From the Wupatki National Monument to the Sunset Crater Volcano National Monument, Flagstaff offers a little bit of everything for nature lovers. Downtown Flagstaff is located along historic Route 66, a mecca for those on road trips.<\/p>\n<h3 style=\"text-align: left;\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>The average cost of full coverage car insurance in Flagstaff is $1,656 per year.<\/li>\n<li>In 2020, there were 4 reported fatal accidents in Flagstaff, out of a total of 1,035 crashes. Seventy-three of those crashes were alcohol related.<\/li>\n<li>Visitors come from across the world to drive Route 66, America\u2019s \u201cMain Street\u201d.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_61ba61c467097\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much Is Car Insurance in Flagstaff, Arizona?<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>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 <a href=\"https:\/\/www.freeway.com\/auto-insurance\/arizona\/\">Arizona car insurance<\/a> will depend on several factors, most notably your age, gender, zip code of residence, and claims record.<\/p>\n<p>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.<\/p>\n<p>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 <a href=\"https:\/\/www.freeway.com\/auto-insurance\/states\/\">state-required minimum liability<\/a> pays for those costs up to your policy limit. Any damage you sustain \u2013 to yourself or your property \u2013 comes out of your pocket, in addition to anything left over after your insurance has paid the other party.<\/p>\n<p>On the other hand, <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/full-coverage\/\">full coverage<\/a> pays for the other party\u2019s 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.<\/p>\n<h3 style=\"text-align: left;\">Flagstaff Car Insurance Rates by Zip Code<\/h3>\n<p>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\u2019s not much difference between them.<\/p>\n<p>Flagstaff has four zip codes. Here are the average monthly rates for each zip code:<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip Code<\/th>\n                                                                                            <th>Average Monthly Car Insurance Rate\nFull Coverage\/Minimum<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>86001<\/td>\n                                                                                            <td>$125\/$38<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>86004<\/td>\n                                                                                            <td>$124\/$38<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>86005<\/td>\n                                                                                            <td>$122\/$38<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>86011<\/td>\n                                                                                            <td>$138\/$42<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_61ba627e67098\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Flagstaff Car Insurance Rates by Age<\/h3>\n<p>Age is a major determining factor when calculating insurance rates. Teenagers and drivers in their 20s typically pay higher insurance premiums due to a riskier driving profile compared to drivers in their 30s, 40s. and 50s. For example, teenagers in Flagstaff can expect to pay an average monthly rate of $600, which pales in comparison to drivers in their 50s with an average $127 monthly rate.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Average Monthly Car Insurance Rate\nFull Coverage\/Minimum<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>18<\/td>\n                                                                                            <td>$521\/$168<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$308\/$96<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$138\/$42<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$135\/$42<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$127\/$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$123\/$39<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$136\/$46<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"c-state-table__text\">\n                    \n\n                            <p><p>*<em><u>Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.<\/u><\/em><\/p>\n<\/p>\n\n                                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61ba63396709a\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Flagstaff<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Fatal Accidents Happen in Flagstaff?<\/h3>\n<p>In 2020, there were 4 reported fatal accidents in Flagstaff, out of a total of 1,035 crashes. There were 328 people injured. Seventy-three of those crashes were alcohol related. In 2020, Arizona estimates it had $17.193 billion in economic loss due to motor vehicle crashes.<\/p>\n<h3 style=\"text-align: left;\">How Are the Road Infrastructure and Bridges in Flagstaff?<\/h3>\n<p>Flagstaff roads and infrastructure are constantly undergoing revision. According to <a href=\"https:\/\/www.flagstaff.az.gov\/3372\/Construction-Information\" target=\"_blank\" rel=\"noopener\">the City of Flagstaff Construction Information<\/a> page, there have been numerous road repair and street safety projects over the years to address underground water, storm drain, and pavement stripping issues. Other areas of focus include the reopening of key bus routes and various utility and roadway improvements.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Get a Quote for Car Insurance in Arizona Today!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61ba637c6709c\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Flagstaff<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Arizona is an at-fault state, meaning the driver determined to be at fault for an accident is expected to pay for all damages. This means any opposing parties can file claims using the at-fault driver\u2019s insurance provider. However, at-fault Arizona drivers are entitled to some protections where they can still be eligible for compensation, depending on their share of the liability.<\/p>\n<p>In Arizona, the state minimums are:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/bodily-injury\/\">Bodily Injury Liability<\/a> per Person: $25,000<\/li>\n<li>Bodily Injury Liability per Accident: $50,000<\/li>\n<li><a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/property-damage\/\">Property Damage<\/a> per Accident: $15,000<\/li>\n<\/ul>\n<p>If you lease a vehicle, your finance company may require that you obtain full insurance coverage. As a rule of thumb, the lower the deductibles and the higher the coverage limits, the more protection you have in the event of an accident.<\/p>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61ba63af6709d\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Flagstaff Car Insurance Rates<\/h2>\n                                    <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Many factors influence your car insurance rates and different states allow insurance companies to use different determining factors when charging you for insurance.<\/p>\n<p>Some factors allowed to determine car insurance rates in Flagstaff include your age, gender, zip code of residence, claims history, marital status, applied discounts, and credit score.<\/p>\n<p>Keeping a safe driving record and calling your insurance company regularly to see what discounts you may qualify for is a safe bet to keeping insurance rates low.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_61ba63d56709e\" class=\"c-section c-section--bottom-0-spacing\">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">Discounts for Car Insurance in Flagstaff<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>Fortunately, Flagstaff drivers have many ways to <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/11-money-saving-tips-lower-auto-insurance-premiums\/\">save money on car insurance<\/a> in Flagstaff. In addition to multi-policy discounts, which allow <a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/multi-policy-discounts\/\">bundling<\/a> of homeowners, auto, boat, RV, or other insurance policies, drivers can also take <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/driving-safety\/reasons-take-defensive-driving-course\/\">defensive driving courses<\/a>, and participate in payment plans such as <a href=\"https:\/\/www.freeway.com\/auto-insurance\/auto-pay-car-insurance-discount\/\">auto-pay or paperless billing<\/a>.<\/p>\n<p>Here are other types of discounts:<\/p>\n                <\/div>\n            \n                            <div class=\"c-quick-facts\">\n                    <div class=\"c-quick-facts__list\">\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2020\/12\/icon-happy-person.svg\" alt=\"Illustration of a smiling person\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/\">Customer loyalty<\/a><\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\">Demographics (e.g., good student, current homeowner)<\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/good-driver.svg\" alt=\"Blue icon of a blue car\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\">Equipment-related (e.g., installation of anti-lock brakes and various safety\/restraint systems)<\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/military.svg\" alt=\"Green icon of a military man\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/discounts\/military-discounts\/\">Current and former military<\/a><\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/10\/driver-2.svg\" alt=\"Graphic of a man driving a car\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/low-mileage-insurance-discount\/\">Lower mileage<\/a><\/p>\n                            <\/div>\n                        <\/div>\n                                                <div class=\"c-quick-facts__item\">\n                            <img decoding=\"async\" class=\"c-quick-facts__image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/credit-score.svg\" alt=\"Icon refund growth\">\n                            <div class=\"c-quick-facts__content\">\n                                <p class=\"c-quick-facts__text\"><a href=\"https:\/\/www.freeway.com\/auto-insurance\/paid-in-full-insurance-discount\/\">Paid in full<\/a><\/p>\n                            <\/div>\n                        <\/div>\n                                            <\/div>\n                <\/div>\n                        \n                            <div class=\"s-cms-content\">\n                    <p>Be sure to call your insurance company to see if you are eligible for any discounts.<\/p>\n                <\/div>\n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_61ba6523670a5\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Flagstaff?<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Expect some serious penalties and a lot of headaches if you are caught driving without insurance in Flagstaff. For starters, getting caught will result in having your driver\u2019s license suspended for up to a year on top of fines of up to $1,000, possible suspension of plates and registration and the required filing of <a href=\"https:\/\/www.freeway.com\/auto-insurance\/sr-22\/\">SR-22 insurance<\/a>, which stays on file for three years.<\/p>\n<p>If there is more than one offense on your record, expect penalties to increase, such as fines jumping from $500 to $750 for a second offense.<\/p>\n<p>Your insurance company in Arizona is required to notify Arizona Motor Vehicle Department of all policy cancellations, non-renewals and new policies.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_61ba6549670a6\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get a Cheap Car Insurance Quote in Flagstaff Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/Flagstaff.jpg\" alt=\"Route 66 through Flagstaff, AZ with mountains in the distance\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>Getting a comprehensive insurance policy with low deductibles and high coverage limits offers the greatest peace of mind on the road.<\/p>\n<p>Freeway Insurance can help you find the best and most affordable car insurance policy in Flagstaff, Arizona. Get started with a quote <a href=\"#modal-turbo\">online<\/a>, or visit us at a <a href=\"https:\/\/locations.freeway.com\/?search=Flagstaff,+AZ&#038;latitude=&#038;longitude=&#038;radio=20&#038;time=open-any\" target=\"_blank\" rel=\"noopener\">Flagstaff office<\/a> near you. Feel free to call <a href=\"tel:800-777-5620\">(800) 777-5620<\/a> as well for a quote.<\/p>\n                <\/div>\n                                    <div class=\"c-sections__list-column\">\n                                            <\/div>\n                                                                                <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-bing\" href=\"#modal-turbo\"  >\n                                                                                        Get Started                                            <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25403,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34401"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=34401"}],"version-history":[{"count":28,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34401\/revisions"}],"predecessor-version":[{"id":45355,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34401\/revisions\/45355"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25403"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=34401"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}