Compare Scottsdale, AZ Car Insurance Rates [2024]
Car insurance in Scottsdale, AZ averages $349 a month. Scottsdale, Arizona car insurance requirements are 15/30/10, but you might need full coverage insurance if your car is financed. To find cheap Scottsdale car insurance rates, compare quotes from the top car insurance companies in Scottsdale, AZ.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Scottsdale for teen drivers is Geico
- The cheapest car insurance company in Scottsdale is Geico
- Average car insurance rates in Scottsdale, AZ after a DUI are $4,925/year
If you need to buy Scottsdale, Arizona car insurance, the options can be confusing. Everything you need to know about car insurance in Scottsdale, AZ is right here.
You’ll find Scottsdale car insurance rates, the cheapest Scottsdale, AZ car insurance companies, and information on Arizona car insurance laws. You can also compare Scottsdale, Arizona car insurance rates to Surprise car insurance rates, Phoenix car insurance rates, and Tempe car insurance rates.
Ready to find affordable Scottsdale, AZ car insurance today? Enter your ZIP code for fast, free Scottsdale car insurance quotes.
Cheapest Scottsdale, AZ Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Scottsdale, AZ car insurance rates? Every Scottsdale, Arizona car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,818 | $3,818 | $3,717 | $3,717 | $8,284 | $10,711 | $4,268 | $4,638 |
| American Family | $2,895 | $2,895 | $2,657 | $2,657 | $7,690 | $10,058 | $2,895 | $3,391 |
| Farmers | $2,937 | $2,925 | $2,609 | $2,782 | $12,766 | $13,220 | $3,324 | $3,429 |
| Geico | $1,595 | $1,775 | $1,353 | $1,729 | $4,607 | $4,838 | $1,456 | $1,425 |
| Nationwide | $2,562 | $2,603 | $2,294 | $2,424 | $6,410 | $8,191 | $2,966 | $3,202 |
| Progressive | $2,101 | $1,831 | $1,888 | $1,795 | $8,694 | $9,661 | $2,251 | $2,221 |
| State Farm | $3,182 | $3,182 | $2,810 | $2,810 | $10,041 | $12,601 | $3,426 | $4,341 |
| Travelers | $2,160 | $2,272 | $2,015 | $2,141 | $6,445 | $8,141 | $2,286 | $2,402 |
| USAA | $1,968 | $1,969 | $1,836 | $1,853 | $7,597 | $8,689 | $2,608 | $2,789 |
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Minimum Car Insurance in Scottsdale, AZ
Every driver must carry the minimum car insurance required by the state in Scottsdale, AZ. Take a look at the Arizona car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Scottsdale, AZ Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Scottsdale, AZ. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Scottsdale from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,863 | $4,894 | $4,357 |
| American Family | $5,522 | $4,112 | $3,543 |
| Farmers | $6,256 | $5,250 | $4,992 |
| Geico | $3,226 | $2,115 | $1,700 |
| Nationwide | $4,611 | $3,673 | $3,210 |
| Progressive | $4,240 | $3,709 | $3,467 |
| State Farm | $9,753 | $3,777 | $2,367 |
| Travelers | $4,234 | $3,457 | $2,757 |
| USAA | $4,814 | $3,370 | $2,807 |
Cheapest Scottsdale, AZ Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Scottsdale, AZ to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,293 | $5,453 | $6,178 | $5,562 |
| American Family | $3,114 | $4,820 | $6,017 | $3,618 |
| Farmers | $4,640 | $6,000 | $5,853 | $5,503 |
| Geico | $1,812 | $2,462 | $3,303 | $1,812 |
| Nationwide | $3,244 | $3,412 | $5,043 | $3,627 |
| Progressive | $3,356 | $4,426 | $3,541 | $3,898 |
| State Farm | $4,810 | $5,788 | $5,299 | $5,299 |
| Travelers | $2,781 | $3,632 | $4,050 | $3,467 |
| USAA | $2,658 | $3,824 | $5,040 | $3,132 |
Cheapest Scottsdale, AZ Car Insurance for Teen Drivers
Teen car insurance in Scottsdale, AZ can be expensive. Take a look at rates from the top car insurance companies in Scottsdale for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,284 | $10,711 |
| American Family | $7,690 | $10,058 |
| Farmers | $12,766 | $13,220 |
| Geico | $4,607 | $4,838 |
| Nationwide | $6,410 | $8,191 |
| Progressive | $8,694 | $9,661 |
| State Farm | $10,041 | $12,601 |
| Travelers | $6,445 | $8,141 |
| USAA | $7,597 | $8,689 |
Cheapest Scottsdale, AZ Car Insurance for Seniors
Take a look at Scottsdale, AZ rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,717 | $3,717 |
| American Family | $2,657 | $2,657 |
| Farmers | $2,609 | $2,782 |
| Geico | $1,353 | $1,729 |
| Nationwide | $2,294 | $2,424 |
| Progressive | $1,888 | $1,795 |
| State Farm | $2,810 | $2,810 |
| Travelers | $2,015 | $2,141 |
| USAA | $1,836 | $1,853 |
Cheapest Scottsdale, AZ Car Insurance Rates After a DUI
A DUI in Scottsdale, AZ increases car insurance rates. Compare Scottsdale, Arizona car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,178 |
| American Family | $6,017 |
| Farmers | $5,853 |
| Geico | $3,303 |
| Nationwide | $5,043 |
| Progressive | $3,541 |
| State Farm | $5,299 |
| Travelers | $4,050 |
| USAA | $5,040 |
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Cheapest Scottsdale, AZ Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Scottsdale, AZ by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,371 | $5,371 |
| American Family | $4,350 | $4,434 |
| Farmers | $5,499 | $5,499 |
| Geico | $2,309 | $2,386 |
| Nationwide | $3,831 | $3,831 |
| Progressive | $3,805 | $3,805 |
| State Farm | $5,165 | $5,434 |
| Travelers | $3,483 | $3,483 |
| USAA | $3,624 | $3,703 |
Cheapest Scottsdale, AZ Car Insurance Rates by ZIP Code
Scottsdale car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Scottsdale, AZ.
| ZIP Code | Average Annual Rates |
|---|---|
| 85250 | $4,267 |
| 85251 | $4,305 |
| 85253 | $4,309 |
| 85254 | $4,379 |
| 85255 | $4,058 |
| 85256 | $4,374 |
| 85257 | $4,205 |
| 85258 | $4,111 |
| 85259 | $4,321 |
| 85260 | $4,225 |
| 85262 | $3,905 |
| 85266 | $4,068 |
The Best Cheap Car Insurance Companies in Scottsdale, AZ
Take a look at a side-by-side comparison of the top car insurance companies in Scottsdale, AZ to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,371 |
| American Family | $4,392 |
| Farmers | $5,499 |
| Geico | $2,347 |
| Nationwide | $3,831 |
| Progressive | $3,805 |
| State Farm | $5,299 |
| Travelers | $3,483 |
| USAA | $3,664 |
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Category Winners: Cheapest Car Insurance in Scottsdale, Arizona
Find the cheapest car insurance companies in Scottsdale, AZ for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | Geico |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
Cheapest Scottsdale, AZ Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Scottsdale car insurance rates. Find the cheapest Scottsdale, AZ car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,023 | $5,400 | $5,690 |
| American Family | $4,220 | $4,533 | $4,424 |
| Farmers | $4,707 | $5,559 | $6,231 |
| Geico | $1,967 | $2,386 | $2,688 |
| Nationwide | $3,639 | $3,880 | $3,975 |
| Progressive | $3,331 | $3,880 | $4,205 |
| State Farm | $4,748 | $5,402 | $5,747 |
| Travelers | $3,093 | $3,541 | $3,814 |
| USAA | $3,363 | $3,718 | $3,910 |
What affects car insurance rates in Scottsdale, Arizona?
What are the factors that affect car insurance rates in Scottsdale, AZ? There are several reasons why Scottsdale car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Scottsdale, Arizona.
Car Theft in Scottsdale
High levels of vehicle theft can make car insurance more expensive. Scottsdale, AZ car theft statistics from the FBI indicate 272 vehicle thefts a year.
Commute Time in Scottsdale
The more time you spend in your car the higher the risk of an accident. The average commute length in Scottsdale, AZ is 22.3 minutes according to City-Data.
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Compare Car Insurance Quotes in Scottsdale, AZ
Ready to find affordable Scottsdale, Arizona car insurance today? Enter your ZIP code for fast, free Scottsdale, AZ car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Scottsdale, AZ?
To compare car insurance rates in Scottsdale, AZ, you have a few options. You can contact individual insurance companies directly and request quotes. Additionally, you can use online comparison tools that provide multiple quotes from different insurers. These tools typically require you to provide some personal information and details about your vehicle and driving history to generate accurate quotes.
What factors affect car insurance rates in Scottsdale, AZ?
Car insurance rates in Scottsdale, AZ, are influenced by several factors. Common factors include your driving record, age, gender, marital status, type of vehicle you drive, your credit history, and the coverage options you choose. Additionally, factors like the frequency of car thefts and accidents in Scottsdale, AZ, can impact insurance rates in the area.
Are car insurance rates higher in Scottsdale, AZ, compared to other areas?
Car insurance rates can vary depending on the location, and Scottsdale, AZ, may have different rates compared to other areas. Insurance companies consider factors like population density, crime rates, and accident statistics when determining rates for a specific area. It’s recommended to compare rates from multiple insurers to get a better understanding of how Scottsdale, AZ, compares to other areas.
Are there any discounts available for car insurance in Scottsdale, AZ?
Yes, many insurance companies offer various discounts that can help you save on car insurance in Scottsdale, AZ. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, low-mileage discounts, and discounts for having safety features installed in your vehicle. It’s worth checking with insurance providers to see which discounts you may qualify for.
How can I lower my car insurance rates in Scottsdale, AZ?
There are several strategies you can consider to lower your car insurance rates in Scottsdale, AZ. Maintaining a clean driving record, bundling multiple policies with the same insurer, opting for higher deductibles, and taking advantage of available discounts are some effective methods. You may also want to compare quotes from different insurance companies periodically to ensure you’re getting the best rate.
Is it necessary to have full coverage car insurance in Scottsdale, AZ?
Full coverage car insurance is not legally required in Scottsdale, AZ. However, if you have a loan or lease on your vehicle, your lender or leasing company may require you to have comprehensive and collision coverage. Even if it’s not mandatory, having full coverage can provide added protection for your vehicle in case of accidents, theft, or other covered events. It’s essential to evaluate your personal circumstances and financial situation when deciding on the level of coverage you need.
What should I do if I can’t afford car insurance in Scottsdale, AZ?
If you’re struggling to afford car insurance in Scottsdale, AZ, there are a few options you can explore. First, consider adjusting your coverage limits or deductibles to lower your premium. You can also shop around and compare quotes from multiple insurers to find more affordable options. Additionally, some states offer low-cost or subsidized insurance programs for individuals with limited incomes. Contact your state’s insurance department or a local insurance agent to inquire about such programs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.