Compare 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: 7/31/2022
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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.

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The 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
  • Company
    100/300/100per year
  • 1.
    GEICO
    $717
  • 2.
    USAA
    $857
  • 3.
    Progressive
    $936
  • 4.
    American Family
    $999
  • 5.
    Nationwide
    $1,055
  • 6.
    Hartford
    $1,058
  • 7.
    Country Financial
    $1,109
  • 8.
    CSAA
    $1,141
  • 9.
    State Farm
    $1,156
  • 10.
    Esurance
    $1,208
  • 11.
    Travelers
    $1,218
  • 12.
    Allstate
    $1,264
  • 13.
    Mercury
    $1,469
  • 14.
    Farmers
    $1,516
  • 15.
    MetLife
    $1,737

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.

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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

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

  • Item
    Description
  • 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

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.

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The Best Car Insurance Companies in Scottsdale

MoneyGeek scored insurance companies in Scottsdale based on their average premiums, claim ratings and customer satisfaction. Using these scores, we ranked the companies and found the best car insurance in the city.

Our analysis showed that these are the two best car insurance companies in Scottsdale:

  • GEICO: 95.80 out of 100
  • AAA: 81.60 out of 100

Our rankings do not include USAA, although it received a MoneyGeek score of 89 out of 100. Its MoneyGeek score places it in the second spot for the top car insurance companies in Arizona. USAA’s policies are only available for veterans and members of the military.


1
AAA
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

AAA ranked well in affordability and satisfaction but lower in claims. In Scottsdale, the average price of a policy is $1,141 per year for a 40-year-old driver. Policyholders can have identity theft coverage added to their insurance.

More About AAA

The internet and technology are gaining more and more significance in our everyday lives. Unfortunately, our data can be used against us and one of the risks that we face is identity theft. Getting identity theft coverage in Scottsdale for your policy provides an additional layer of protection, especially for your credit. GEICO’s identity theft coverage helps you monitor your credit history, transactions and profile. GEICO can also assist you in the investigation of your case and the expenses that you incur because of the identity theft. It can also help you cancel stolen cards all at once.

Read MoneyGeek's AAA auto Insurance Review
2
GEICO
Score:90

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO received an excellent score for affordability, claims and satisfaction. On average, a policy costs $717 per year for a 40-year-old driver in Scottsdale. It provides accident forgiveness as one of its coverages

More About GEICO

The price of your car insurance in Scottsdale significantly increases after an at-fault accident. The reason behind this is insurers think you’re a high-risk driver and, therefore, are more likely to file a claim. Accident forgiveness gets rid of this. After your first at-fault accident, your car insurance premium won’t go up. Instead, the surcharge will be waived and you’ll continue to enjoy the normal price of your insurance. You can add this coverage to your policy or you can earn it. If you’re 21 years old and above and you’ve stayed accident-free for at least five years, the accident forgiveness coverage will be added to your policy.

Read MoneyGeek's GEICO auto Insurance Review

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities95th/300
handcuffs2 icon
Most Car Thefts127th/300
uninsured icon
Most Uninsured Motorists by State24th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall290th/300
umbrella icon
Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek gathered premiums and information from J.D. Power, AM Best and the NAIC to score insurers in Scottsdale as follows:

  • Affordability (70%)
  • Customer satisfaction (10%)
  • Claims (10%)
  • Financial stability (10%)
Affordability took a collection of driver profiles with varying ages, records and coverages into account. We transposed the data for each criterion toa five-points scale and then cast this number out of 100 to generate our MoneyGeek score.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.