Flagstaff Insurance Rates:

Flagstaff, AZ home insurance is about $551 to $750, about $45-$62/month. Our exhaustive guide reveals consumers can save upto $260 by comparing many quotes

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Read Flagstaff, Arizona Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Flagstaff Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $120/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $350,000

5 Beds, 5 Baths 2270 sqft Seasonal Residence Constructed In 2011 with Linoleum, Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Male who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $700/8 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $325,000

5 Beds, 5 Baths 2610 sqft Vacation Property Constructed In 1981 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Single Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $100/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $450,000

4 Beds, 4 Baths 2900 sqft Rental Property Constructed In 1997 with Linoleum, Metal Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Married Male who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $260/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

3 Beds, 3 Bath 1520 sqft Primary Residence Constructed In 1984 with Linoleum, Metal Roof, Slab Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $150/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 1610 sqft Seasonal Residence Constructed In 1999 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Married Female who is Retired with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $130/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $385,000

4 Beds, 4 Baths 2510 sqft Vacation Property Constructed In 2012 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $120/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $360,000

3 Beds, 3 Bath 2180 sqft Primary Residence Constructed In 1995 with Linoleum, Metal Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $890/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $415,000

4 Beds, 4 Baths 2700 sqft Primary Residence Constructed In 1982 with Wood Flooring, Shingles Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $340/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $365,000

5 Beds, 5 Bath 2210 sqft Rental Property Constructed In 1987 with Carpet over wood flooring, Tile Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $140/3 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Baths 1460 sqft Primary Residence Constructed In 1976 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

Flagstaff, AZ Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
86001 $283,600 $660
86004 $273,900 $650

Flagstaff Rates & Quotes Analysis:

Flagstaff Area Estimated House Insurance
Pinto Rd, S Leroux St, Frontage Rd, Kron Dr, N Tournament Dr, Choctaw St, N Kristin Dr, Valley View Dr, Lucerne Rd, N Rain Valley Rd$614
Lynx Dr, Centerline Blvd, Joe Dolan, E Spring Valley Rd, S Burlington St, Lake View Dr, E Morningside Rd, N Jo Don Rd, Leisure Dr, Garden Center Ln$624
Heckethorn Rd, Seneca St, N Boldt Dr, E Indian Paintbrush, FS Rd 561, Bowstring Dr, S House Rock Trl, N Buena Vista Trl, Jims Rd, Rimrock Pl$643
Buck Ridge Dr, Buck Mountain Rd, N Lomalai Ln, Charm Rd, Alma Rd, E Hunt Ave, N Datura Rd, Buckskin Trl W, Silver Saddle Rd, E Trevor Way$615
Friar Tuck Trl, Rimrock Rd, N Zady Ln, S Elden St, N Owl Rd, O St, Raeth Dr, Wildcat Trl, N Slippery Rock Rd, Knoll Dr$616
E Village Cir, W Saunders Dr, Elk Loop, Inez Dr, Pocono Dr, N Broken Arrow Rd, Orchard Ln, Thunder Ridge Rd, Ross Rd, Miranda Way$616
Schnebly Hill Rd, Bowdar Rd, Jay Ln, S Pulliam Dr, Desert Vw, E Snowshoe Way, Winding Trail Pl, W Pollo Cir, N Killearn Way, Scenic Dr$618
N Mars Dr, E Jacob Way, N Paradise Rd, Horseshoe Acres Rd, Kletha Ovi, E Franklin Ave, E Commerce Ave, E Rinker Cir, N Forest View Dr, Juniper Ln$633
Herman Rd, Griffiths Spring, Pintail Dr, S Hot Rod Aly, E Huntington Dr, W Wolf Ln, Oak Ridge Ln, Navajo Dr, N Dyer St, Beckwith$614
E Elm Ave, Thompson St, Dewey Rd, S Second Ave, Cactus Dr, Elliot St, W Fir Ave, Bird Song Way, Herold Ranch Rd, Juniper$645

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,401 Homes (18% of total) built between 1970 to 1979 in Flagstaff are paying home insurance between $1,055-$1,065 and varies from Fort Valley (+$60), Sedona (+$63), Village of Oak (+$74), Kachina Village (-$31) and Munds Park (-$19).
  • Bedrooms: 5,964 4 bedrooms homes (13% of total homes ) in Flagstaff are paying about $722 and differs from Fort Valley (+$34), Sedona (+$37), Village of Oak (+$44), Mountainaire (-$12) and Kachina Village (-$21).
  • Auto Insurance Bundling: 8,247 Households (44% of all households) in Flagstaff have 2 vehicles available and when it is bundled with home insurance you can save $130. Discounts for similar bundling in close by locations such as Doney Park, Mountainaire, Kachina Village come to $130, $129, $126 respectively.
  • Senior Discounts: 9,131 seniors (more than 55 years) occupied housing units (49% of total) in Flagstaff get discounts between $97 to $99. The comparative concessions in proximate regions such as Doney Park, Mountainaire and Kachina Village are $97, $96 and $94 respectively.
  • New Homes discounts: New homes such as the 20,531 homes built between 2000 to 2009 in Flagstaff can save $130 and differs from Doney Park ($130), Mountainaire ($129), Kachina Village ($126).

Flagstaff Homeowners insurance Facts

  • Flagstaff, AZ has 18,536 owner occupied houses which is 56.5% of all units whereas Doney Park, Mountainaire and Kachina Village have 84.64%, 76.42% and 79.71% respectively.
  • Flagstaff, AZ homeowners yearly insurance price at $651 is 0.23% of the typical house value of $283,900 which is in contrast with 0.22% in Doney Park, 0.24% at Mountainaire & 0.29% in Kachina Village.
  • Homeowners in Flagstaff, AZ pay 1.18% of their income ($50,000 to $59,999) in insurance whereas homeowners in Doney Park, Mountainaire and Kachina Village pay 1.19%, 1.17% and 1.15% respectively.
  • Flagstaff, AZ’s insurance is 3.3% of monthly housing costs of $1,654/month, for owners with a mortgage compared to 2.86% in Doney Park, 3.48% at Mountainaire & 4.52% in Kachina Village. But, for households without a mortgage, insurance is 13.7% of costs ($396 in Flagstaff, AZ) in contrast with 14.55% in Doney Park, 13.7% at Mountainaire & 16.16% in Kachina Village.

Flagstaff, AZ Home Values & Insurance rates

For example, insurance for 1,123 Homes (7.0% of total homes ) valued between Less than $50,000 in Flagstaff, AZ is about $52. Rates in nearby areas in such as Fort Valley, Sedona, Village of Oak are cheaper by $11, $18, $18 respectively while Kachina Village and Munds Park are costlier by $17 and $11 respectively for similar homes.

Flagstaff, AZ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,123 7.0% $52
$70,000 to $79,999 178 1.0% $169
$80,000 to $89,999 264 1.0% $188
$100,000 to $124,999 546 3.0% $247
$125,000 to $149,999 521 3.0% $312
$150,000 to $174,999 830 5.0% $371
$175,000 to $199,999 1,060 7.0% $429
$200,000 to $249,999 2,571 18.0% $514
$250,000 to $299,999 2,981 21.0% $631
$300,000 to $399,999 3,865 27.0% $800

Renters Insurance in Flagstaff

  • Average Renters Insurance in Flagstaff :  $125($10/month)

  • Median Gross Rent in Flagstaff :  $999

  • Flagstaff Renters Insurance to Median Rent Ratio:  1.0%

  • Renter occupied housing units in Flagstaff :  14,302

Flagstaff Renters Insurance as a Percentage of Rent

Flagstaff Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 143 1.0% $781
$300 to $499 487 3.0% $1231
$500 to $749 2,277 16.0% $1906
$750 to $999 3,869 28.0% $2656
$1,000 to $1,499 5,326 38.0% $3781
$1,500 or more 1,528 11.0% $5431

Rent Affordability in Flagstaff:

Approximately 54.0% (7,762) of households are spending more than 35% of their income on gross rent in Flagstaff

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,218 8.0%
15.0 to 19.9 percent 1,379 9.0%
20.0 to 24.9 percent 1,494 10.0%
25.0 to 29.9 percent 1,317 9.0%
30.0 to 34.9 percent 1,132 7.0%
35.0 percent or more 7,762 54.0%

Flagstaff Renters Insurance Discounts:

Flagstaff Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Flagstaff, AZ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,889 48.0% $12.5
2 vehicles available 4,154 29.0% $18.75
3 or more vehicles available 1,999 13.0% $25.0

Protective device discount in Flagstaff Up to :  $18

Claims-free discount in Flagstaff Up to :  $25