bestauto insuranceScottsdale2022Compare the Cheapest Car Insurance Quotes in Scottsdale, AZ
Car insurance in Scottsdale costs an average of $1,184 per year, which is cheaper than the state average. The cheapest insurer for the average driver is GEICO. MoneyGeek analyzed the cheapest options for different coverage levels and driver profiles. For those looking to balance affordability and quality, MoneyGeek also recommended the best companies in the city.
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Last Updated: 5/16/2022
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Mark Fitzpatrick
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Comprehensive car insurance from GEICO costs around $717 annually in Scottsdale, while state minimum liability-only is $352, both the cheapest in the city. GEICO also offers the best rates for drivers with speeding tickets, with an average annual premium of $848. USAA may be an affordable option for military members and their families, but MoneyGeek recommends GEICO as best overall in terms of pricing and service.
bestauto insuranceScottsdale2022The Cheapest and Best Car Insurance in Scottsdale
The Cheapest Car Insurance Companies in Scottsdale
The following insurance companies in Scottsdale offer the best average value for a full coverage policy:
- GEICO: $717 annually
- Progressive: $936 annually
With an annual premium of $857, USAA is the second cheapest insurance company in Scottsdale and may be a good option for former and current military personnel and their families.
While GEICO has the most affordable car insurance, Metlife’s annual premium is the most expensive in the city at $1,737. You’ll save about 142% by choosing GEICO.
Comprehensive and collision insurance are included in full coverage policies. However, the final cost of your annual premium will depend on the liability limits you select.
Cheapest Car Insurance in Scottsdale
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$717
- 2.$857
- 3.$936
- 4.$999
- 5.$1,055
As described in our methodology, MoneyGeek gathered average insurance rates in Scottsdale using the sample driver profile of a 40-year-old male with a full coverage policy.
While full coverage policies are more expensive than the state's minimum liability, full coverage car insurance does include comprehensive and collision insurance. This covers damages to your vehicle as follows:
- Comprehensive Insurance: This protects you against non-collision-related loss to your car, such those due to theft, fire or adverse weather events.
- Collision Insurance: This covers the cost of damages to your car if you’re in a collision with another vehicle or a stationary object, like a fence.
If you own an older vehicle, purchasing full coverage car insurance may cost more than your car’s replacement value. In that case, you can save on premiums by purchasing liability-only or state minimum insurance.
Compare Car Insurance Rates in Scottsdale
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Scottsdale for Minimum Coverage
The cheapest alternative to full coverage is a policy with minimum coverage. On average, the following insurers offer the most affordable state minimum insurance policies in Scottsdale:
- GEICO: $352 annually
- CSAA: $448 annually
USAA car insurance is an affordable choice for former and current military members and their families in Scottsdale, with an average annual rate of $423.
GEICO's policy costs $517 less per year than MetLife's at $869. While minimum coverage insurance is the least expensive option, it excludes comprehensive and collision coverage and has much lower liability limits. This increases the likelihood that you may be underinsured in the event of an accident.
The table below illustrates how rates change as liability limits are increased.
Cheapest Minimum Liability Car Insurance in Scottsdale
State Minimum
- CompanyState Minimumper year
- 1.$352
- 2.$423
- 3.CSAA$448
- 4.$494
- 5.$536
Arizona law requires drivers to carry a minimum of 25/50/15 liability insurance. This is the cheapest insurance option available in Scottsdale; however, it provides the lowest amount of protection. That means, if you’re in an accident, you might face a significant financial burden.
Let’s say you’re in an at-fault accident and the other driver incurs $30,000 in medical bills. Your insurance will cover $25,000 of that, but you’ll have to pay the remaining $5,000 out of pocket.
Arizona Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Scottsdale if You Have Driving Violations
An at-fault accident or traffic violation, such as a speeding ticket or a DUI, can negatively impact the cost of your car insurance premiums. In Scottsdale, the most affordable insurance providers, based on your particular violation, are:
- Cheapest after a ticket: GEICO, $848 annually
- Cheapest after an at-fault accident: American Family, $1,033 annually
- Cheapest after a DUI: American Family, $1,033 annually
If you have driving violations on your record, your best bet to lower your premiums is to improve your history. Because that takes time, once you’ve had an accident or ticket, shop around for quotes to see which companies offer the cheapest insurance for drivers with bad records in Scottsdale.
Cheapest Car Insurance in Scottsdale With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$848
- 2.$1,033
- 3.$1,096
- 4.$1,205
- 5.CSAA$1,258
Average Cost of Car Insurance in Scottsdale
Scottsdale$1,184
Arizona$1,284
U.S.$1,424
The average car insurance rate in Scottsdale is slightly cheaper than the state and national average annual premiums. Drivers in the city pay around $1,184 per year. In comparison, Scottsdale's average rate is 7.7% lower than the state average. Scottsdale policyholders also pay 16.8% less than the nationwide average annual premium.
Personalized Quotes to Get You the Cheapest Car Insurance in Scottsdale
Insurance providers evaluate the risks related to a driver to come up with car insurance quotes. Among the determinants are age, car make and model, driving history, gender, marital status and credit score. For instance, being a middle-aged driver can be beneficial in Scottsdale. A 40-year-old male can have a policy from GEICO for $717. Meanwhile, teenager drivers tend to have higher annual premiums. An 18-year-old male will have to pay more than double or a total of $1,566 for a similar GEICO policy in Scottsdale. The cost of your car insurance in Scottsdale will be adjusted if any of your circumstances change. Make sure you regularly get personalized quotes to find out if you are qualified for certain rebates or discounts.
Compare Car Insurance Rates in Scottsdale
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Scottsdale
MoneyGeek ranked auto insurance companies in Scottsdale to find the carriers that offer both quality service and affordability. The best overall insurers in the city for most drivers are:
- GEICO: MoneyGeek score of 90 out of 100
- State Farm: MoneyGeek score of 85 out of 100
MoneyGeek's evaluation system gives USAA the highest score in Scottsdale. However, because USAA is exclusively available to military personnel, veterans, and their families, it is not on our list as best overall.
To calculate these final scores, MoneyGeek took several factors into account, such as customer satisfaction, affordability and financial stability. We included multiple resources in our research, including J.D. Power, a consumer intelligence company.
1
USAA
Score:100
2
GEICO
Score:90
3
State Farm
Score:85
4
Allstate
Score:82.5
5
CSAA
Score:82.5
6
Liberty Mutual
Score:82.5
7
American Family
Score:80
8
Travelers
Score:80
9
Safeco
Score:77.5
10
Farmers
Score:77.5
11
Progressive
Score:77.5
12
Nationwide
Score:75
Average Cost of Car Insurance by Postal Code
Average car insurance rates in Scottsdale will also vary depending on where you live. It is because of the differences in state minimum liability requirements, crime rates, and the number of drivers, among other factors. The average annual premium in the cheapest ZIP code, 85255, is $1,131. The most expensive ZIP code is 853254 with an average annual rate in the area of $1,223.
- Zip CodeState Minimumper year
- 85255$1,131
- 85251$1,200
- 85254$1,223
Factors That Impact Insurance Costs in Scottsdale
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Scottsdale. How Scottsdale ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Scottsdale are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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