The most affordable options for you may differ, depending on personal factors like your driver profile and needs. For instance, Root Insurance Company is the cheapest for full coverage policies, military drivers and those with an at-fault accident or a DUI on their records. Auto-Owners Insurance Co. is the cheapest after a speeding ticket, and Travelers is the most affordable for teenage drivers.
Cheapest and Best Car Insurance in Scottsdale, AZ








Cheapest Minimum Liability Car Insurance in Scottsdale
The cheapest car insurance companies for a minimum coverage policy in Scottsdale are:
- Auto-Owners Insurance Co.: $324 per year
- Travelers: $360 per year
The most expensive company is The General, with an average premium of $1,313 per year. As of October 2022, the cheapest car insurance in Arizona is from Mercury . Auto-Owners Insurance Co. and Mercury have the same average premium of $324 per year.
Your rates may vary depending on your location and other personal factors, so it’s best to compare rates and explore your options.
A minimum coverage policy in Arizona only covers bodily injury liability and property damage. Based on Arizona law, a minimum car insurance policy must have these limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Bodily injury liability pays for the expenses of treating an injured person in an accident. A minimum coverage policy can cover up to $25,000 per injured person. If multiple people are injured, your insurance will only cover $50,000 of the total expenses.
Cheapest Full Coverage Car Insurance in Scottsdale
The cheapest car insurance companies for a full coverage policy in Scottsdale are:
- Root Insurance Company: $715 per year
- Auto-Owners Insurance Co.: $717 per year
The most expensive company is The General. Its average rate is $2,605 per year. As of October 2022, Root Insurance Company is also the cheapest full coverage car insurance in Arizona. Finding the most affordable rates means shopping around to find a policy that caters to your needs.
A full coverage policy has comprehensive and collision insurance. These additions pay for repairs and replacement of your vehicle, as follows:
- Collision Insurance: An at-fault accident involving a collision with another vehicle or an object
- Comprehensive Insurance: An non-collision accident, such as theft and vandalism, that results in damage to your vehicle
A full coverage policy can be expensive and may not be worth the cost if you have an older vehicle that has depreciated in value.
Cheapest Car Insurance in Scottsdale After a Driving Offense
The cheapest car insurance companies after driving violations in Scottsdale are:
- Speeding ticket: Auto-Owners Insurance Co. ($717 per year)
- At-fault accident: Root Insurance Company ($896 per year)
- DUI: Root Insurance Company ($791 per year)
The General costs the most after a speeding ticket ($3,121 per year) and an at-fault accident ($3,686 per year). Nationwide is the most expensive after a DUI ($3,409 per year).
Your driving record has a significant impact on your rates. Drivers with poor records pay more expensive premiums than drivers with clean records, even when they find the cheapest rates.
The more serious the violation, the higher the insurance rate increase. In Scottsdale, annual premiums increase by $334 or 29% after a speeding ticket. After a DUI, however, rates increase by $712 or 62%. Regardless of the offense, it’s important to compare different insurers to find the cheapest car insurance if you have a bad driving record.
Cheapest Car Insurance in Scottsdale for Teens and Their Families
The cheapest car insurance companies for teens on a family policy in Scottsdale are:
- Travelers: $1,723 per year for girls and $2,057 per year for boys
- GEICO: $2,413 per year for girls and boys
The most expensive company is Allstate, with an average premium of $3,537 per year for girls and $4,904 per year for boys. The difference in the annual premiums between boys and girls is $334 for a Travelers policy. Young men pay higher premiums because they are considered riskier to insure than young women. This gap tends to close during early adulthood.
Rates are more expensive for teenagers when they buy an individual policy. The average cost of purchasing a separate policy is $5,905 per year. In contrast, adding a teenager to a family policy costs an average of $3,011, $2,895 less per year. When shopping for the cheapest car insurance for teenagers, look for discounts specific to younger drivers.
Cheapest Car Insurance in Scottsdale for Military Drivers
The cheapest car insurance companies for military drivers and their families in Scottsdale who want full coverage are:
- Root Insurance Company: $715 per year
- Auto-Owners Insurance Co.: $717 per year
We also recommend USAA for military drivers, as this company’s services specifically cater to drivers with a military background. The average cost of car insurance from USAA is $831 per year.
The most affordable companies for minimum coverage policies are USAA ($283 per year) and Auto-Owners Insurance Co. ($324 per year).
How to Compare Cheap Scottsdale Car Insurance Quotes Online
Getting an online quote in Scottsdale can take 15 minutes or longer per insurer. Insurers may also ask for quite a bit of personal information to determine your rates. For a faster way to calculate rates, use MoneyGeek’s car insurance calculator. You only need to provide your age, vehicle type, coverage level and driving record to get a ballpark estimate of your rates.
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Best Car Insurance in Scottsdale: Summary
The best car insurance company in Scottsdale, Arizona, is:
- Best overall: Auto-Owners Insurance Co. (MoneyGeek score 82 out of 100)
- Best for service: Auto-Owners Insurance Co. (MoneyGeek score 66 out of 100)
- Best cheap: Auto-Owners Insurance Co. (MoneyGeek score 84 out of 100)
MoneyGeek scores vary because of the different weightings for each category. Auto-Owners Insurance Co. is also the best company in Arizona. For military drivers, we recommend USAA (MoneyGeek score of 83 out of 100).
Best Overall Car Insurance in Scottsdale
The best companies for full coverage car insurance in Scottsdale are:
- Auto-Owners Insurance Co.: MoneyGeek score 82 out of 100 ($717 per year)
- Travelers: MoneyGeek score 77 out of 100 ($744 per year)
Auto-Owners Insurance Co. scores well for affordability and coverages. USAA offers the best car insurance for military drivers, with a MoneyGeek score of 83 out of 100. On average, a full coverage policy from this company costs $831 per year.
How was this MoneyGeek score calculated?

pros
Affordable rates
Has roadside assistance, rental car reimbursement and gap insurance
Offers Diminished Value Coverage
cons
May not have the best customer satisfaction and claims management
Doesn’t have new car replacement coverage
COMPANY HIGHLIGHTS
Auto-Owners Insurance Co. offers Diminished Value Coverage and Gap Insurance. Your car’s value can decrease after an accident, even after it has undergone repairs. Diminished Value Coverage pays for the difference in your car’s value before and after an accident. This helps you minimize your losses after an accident while protecting your investment.
Even without an accident, your car’s value still depreciates the moment it leaves the dealer’s lot. This isn’t good news if you had your car financed because the value of your car will never be the same as the amount of your loan. If you get into an accident, you typically have to pay the loan amount regardless of the value of your vehicle. Gap Insurance covers the difference between the current value of your vehicle and the amount left in your loan.
Best Car Insurance in Scottsdale for Customer Service
Excluding cost from our scoring system, the best companies for customer service in Scottsdale are:
- Auto-Owners Insurance Co.: MoneyGeek score 66 out of 100 ($717 per year)
- Country Financial: MoneyGeek score 65 out of 100 ($1,374 per year)
Auto-Owners Insurance Co. received good ratings for coverage and customer satisfaction. It offers quality service at an affordable price.
How was this MoneyGeek score calculated?

pros
Quality customer service
Has roadside assistance, rental car reimbursement and gap insurance
Offers Diminished Value Coverage and Accident Forgiveness
cons
Low claims management ratings
No new car replacement coverage
COMPANY HIGHLIGHTS
Auto-Owners Insurance Co. can protect you financially after an accident. It pays for your damaged car's decreased value through its Diminished Value Coverage. It can also save you from expensive car insurance rates after an accident if you have Accident Forgiveness in your policy.
A car's value can drop after an accident. Diminished Value Coverage compensates you for the difference between your car's value before and after an accident. You can also save money after an accident by having Accident Forgiveness in your policy. This coverage prevents your rates from increasing after an at-fault accident. You can add it to your policy at an additional cost, and you need to be claims-free for 36 months prior to purchasing this coverage.
Best Cheap Car Insurance in Scottsdale
We looked for a balance of affordability and service quality for policies that only meet Arizona’s minimum coverage requirements and found that the best companies in Scottsdale are:
- Auto-Owners Insurance Co.: MoneyGeek score 84 out of 100 ($324 per year)
- Travelers: MoneyGeek score 79 out of 100 ($360 per year)
Minimum coverage policies in Scottsdale may be affordable, but they also offer the least protection against liability and property damage in case of an accident. These policies might not cover all expenses for treating injured people or repairing your vehicle.
How was this MoneyGeek score calculated?

pros
An affordable option, at $324 per year
Discounts include bundling, pay-in-full and responsible payment
Offers roadside assistance, rental car reimbursement and gap insurance
cons
No discounts for taking defensive driving and driver’s education
Received a low claims management rating
COMPANY HIGHLIGHTS
Auto-Owners Insurance Co. is the cheapest option for minimum coverage policies, with an average premium of $324 per year. It offers useful coverages, such as roadside assistance, rental car reimbursement and gap insurance.
The company gives policyholders several opportunities to save through discounts like bundling, good student, multiple-car and safe driving. You can save money by pairing your car insurance policy with other insurance types from Auto-Owners Insurance Co and by insuring several cars. If you’re a student, you can enjoy cheaper premiums if you get good grades.
Aside from its general bundling discount, Auto-Owners Insurance Co. offers a Life Multi-Policy Discount. It helps you save money when you have a qualified life insurance and car insurance policy with this company.
Average Cost of Car Insurance in Scottsdale
On average, a full coverage policy in Scottsdale costs $1,149 per year. This policy includes $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
Location can affect your rates. For instance, as of October 2022, the average cost of car insurance in the U.S. is more expensive than Scottsdale’s by $72, and the average cost of car insurance in Arizona is $44 higher.
About Mark Fitzpatrick
