Flagstaff, AZ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Flagstaff, AZ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Top 5 Car Insurance Companies by Market Share in Flagstaff, AZ
The average cost of auto insurance in Flagstaff, AZ, is $993. Motorists in Flagstaff can save more by comparing multiple quotes from different auto insurance companies. The cost of auto insurance depends on numerous factors ranging from the car’s make and model to the driver’s age. Below is a list of the best auto insurance companies in Flagstaff, AZ.
GEICO:
GEICO, a subsidiary of Berkshire Hathaway, leads the way with a market share of 15.86% in Arizona. The company has 509,982 direct premiums written and 491,351 direct premiums earned. A renowned firm for insurance, car owners continues to repose their faith in Geico. It enjoys an A++ AM Best rating, which is the highest rating a company can receive. The J.D. Power 2019 Auto Insurance Study gave Geico a commendable score of 818/1000 in the Southwest Region.
STATE FARM:
State Farm is a close second, with a market share of 14.85% in Arizona. The company also occupies the largest market share in the country.. State Farm has 477,344 direct premiums written and 478,758 direct premiums earned. State Farm’s favorability has gone up in recent times, thanks to its robust marketing and advertising strategies. With a J.D. Power Circle rating of 831/1000, State Farm occupies the upper-half of these rankings. J.D. Power gives it the “among the best” tag in the Southwest Region. To add to this, it also received an AM Best rating of A++.
PROGRESSIVE :
Progressive Group is third on the list with a market share of 12.64%. Progressive has 406,283 direct premiums written and 385,313 direct premiums earned. It occupies the lower half of the J.D. Power Ratings, with a rating of 807/1000. Progressive is one of the first companies to offer insurance quotes on mobile devices. It also offers Pet Insurance coverage. Progressive has an A+ AM Best Rating.
FARMERS :
Farmers enjoys a market share of 7.92% in Arizona. It has 254,781 direct premiums written and 250,612 direct premiums earned. Farmers has a J.D Power Rating of 812/1000, which is about average. In 2005, 2006, and 2007, Farmers Insurance Group won the J.D. Power award for Call Center Customer Service Excellence. It has an AM Best Rating of A.
USAA:
United Services Automobile Association Group (USAA) rounds up the top 5 insurers in Arizona with a market share of 7.48%. USAA has 240,335 direct premiums written and 233,132 direct premiums earned. USAA has a top-notch J.D Power Rating of 887/1000, which gives it the “among the best” tag. USAA has an AM Best Rating of A++.
Factors that can influence the cost of car insurance in Flagstaff, AZ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Flagstaff, AZ Auto Insurance Rates
- Flagstaff, AZ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Flagstaff, AZ
- Multi Vehicle Insurance Savings in Flagstaff, AZ
- How Credit Score Affects Car Insurance Rates in Flagstaff, AZ
- How DUI Affects Auto Insurance Premiums in Flagstaff, AZ
- How Driving Violations Affect Auto Insurance Rates in Flagstaff, AZ
- Flagstaff, AZ Auto Insurance Discounts on Anti Theft Feature
- Flagstaff, AZ Auto Insurance Company Reviews
Flagstaff, AZ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Flagstaff, AZ with that of other cities in and around Flagstaff.
| Flagstaff | Doney Park | Mountainaire | Kachina Village | Munds Park | |
|---|---|---|---|---|---|
| Average Insurance Rates | $993 | $1,438 | $1,395 | $1,370 | $1,383 |
Flagstaff, AZ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Flagstaff, AZ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Flagstaff | $1,895 | $1,601 |
| Doney Park | $1,600 | $1,351 |
| Mountainaire | $1,723 | $1,456 |
| Kachina Village | $1,137 | $960 |
| Munds Park | $1,601 | $1,352 |
Flagstaff, AZ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Flagstaff, AZ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,222 |
| 20 Years | $1,276 |
| 30 Years | $983 |
| 40 Years | $946 |
| 50 Years | $876 |
| 60 Years | $888 |
| 70 Years | $1,033 |
Flagstaff, AZ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Flagstaff, AZ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,728 | $258 |
| 3 Vehicles | $2,592 | $387 |
| 4 Vehicles | $3,456 | $516 |
Savings on 2 Vehicles bundle:$258
Savings on 3 Vehicles bundle:$387
Savings on 4 Vehicles bundle:$516
Flagstaff, AZ Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Flagstaff, AZ.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Flagstaff | $993 | $1,968 |
| Doney Park | $1,438 | $2,850 |
| Mountainaire | $1,395 | $2,765 |
| Kachina Village | $1,370 | $2,716 |
| Munds Park | $1,383 | $2,741 |
Flagstaff, AZ Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $852 |
| Excellent (740-799) | $973 |
| Good (670-739) | $1,035 |
| Average (580-669) | $1,350 |
| Poor (300-579) | $1,620 |
Flagstaff, AZ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$44 | $1,037 |
| Driver's Failure In Showing Documents | +$96 | $1,089 |
| Driving With An Expired Registration | +$102 | $1,095 |
| Driving At A Considerably Slow Pace | +$215 | $1,208 |
| Using A Cellphone While Driving | +$227 | $1,220 |
| Running A Red Light | +$231 | $1,224 |
| Speeding | +$243 | $1,236 |
| Driving A Vehicle Without The Required Permission | +$309 | $1,302 |
| Driving With An Expired/Suspended License | +$669 | $1,662 |
Flagstaff, AZ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $953 |
| Active Disabling Device | $953 |
| Tracking Device | $933 |
| Passive Disabling Device | $923 |
Latest Auto Insurance Reviews in Flagstaff, AZ | Back to Top
UsaaJust like the home insurance coverage USAA is quick to help and deposit the money needed for repairs.
UsaaThe premium is great and was the lowest I could find with the best coverage. My deductible is also manageable at 500 dollars.
GeicoUnfortunately the premium for Geico has increased too much and I will need to switch. For comparable coverage I will be saving $400 per year by switching companies.
MetlifeI would certainly recommend Metlife as an option. I would recommend to someone looking for insurance that they evaluate the total price of their car and homeowners insurance combined.
UsaaThe deductible is rather high; other companies charge much less, some even half of the deductible charged by USAA. However, I think it's worth it for the level of customer service.
Mapfre InsuranceI think the amount I pay for car insurance is very high compared to other companies out there. I would actually switch to another company.
Mapfre InsuranceI think the amount I pay for car insurance is very high compared to other companies out there. I would actually switch to another company.
Aaai like the present insurance when compared to my previous provider as i feel this is more effective in terms of service and premiums.
Encompass InsuranceI would assume that the offerings are comparable to other companies, I've never had any complaints and I know several people who are with the same company.
Safeco InsuranceMy favorite part about the company is the minimal interaction with people. Its very self explanatory and I can do it myself, but there's assistance if needed for clarification or any issues.
GeicoMy insurance company offers free roadside assistance and free towing to a car repair shop of my choice. If my vehicle has broken down and I am at my home, they will have someone come out and tow it to an auto mechanic's shop as well. Other insurance providers do not offer this.
GeicoI think this is one of the best company I have ever had. They have good TV commercials and the commercials back up their words. This Insurance company is improving every day with their services and with their rates.
GeicoThe company has been very responsive both online and over-the-phone through customer service. The only Direction I really have had is when the car had any kind of flat tire and I needed roadside assistance. I cannot remember the last time I made a clean however I did have the need to replace a windshield and that also is taken care of quickly within the last year
GeicoI had used Geico in the past as a military member and went back to them after service because I have always been satisfied with them. The customer service is fast, friendly, efficient, and effective. Overall, I have no complaints about them other than some of the commercials are dumb.