Cheapest and Best Car Insurance Companies in Scottsdale, AZ

Auto-Owners Insurance Co. is the cheapest company in Scottsdale, Arizona, for a minimum coverage policy based on 2023 quotes. It is also the best overall company, offering a balance of quality service and affordability.

Compare Rates and Save on Car Insurance

By Mark Fitzpatrick, Content Director

Updated: Sep 26, 2023

Edited by

Margarita Barresi

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 + BestCar InsuranceScottsdale

2023

Cheapest and Best Car Insurance in Scottsdale, AZ

Cheapest Overall - Auto-Owners and American National

Cheapest Full Coverage - Root Insurance

Cheapest After Driving Offense - Auto-Owners and American National

Cheapest for Teens - Travelers

Cheapest for Military - Root Insurance

Best Overall - Auto-Owners and American National

Best for Customer Service - Auto-Owners and American National

Best Cheap - Auto-Owners and American National

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.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$317	$26
Auto-Owners Insurance Co	$324	$27
Travelers	$360	$30
Mercury	$373	$31
Mercury	$381	$32
Travelers	$387	$32
Travelers	$404	$34
Country Financial	$415	$35
Country Financial	$420	$35
State Farm	$426	$35
Auto-Owners Insurance Co	$441	$37
State Farm	$453	$38
Root Insurance Company	$455	$38
Root Insurance Company	$460	$38
Hartford	$485	$40
Root Insurance Company	$488	$41
GEICO	$504	$42
Progressive	$528	$44
Progressive	$531	$44
GEICO	$531	$44
Mercury	$534	$45
Iowa Farm Bureau	$544	$45
Allstate	$546	$45
Hartford	$546	$45
State Farm	$551	$46
Country Financial	$583	$49
Iowa Farm Bureau	$586	$49
Farmers	$604	$50
GEICO	$608	$51
Progressive	$617	$51
Farmers	$625	$52
Allstate	$627	$52
Nationwide	$628	$52
Allstate	$631	$53
Nationwide	$662	$55
Auto-Owners Insurance Co	$687	$57
Iowa Farm Bureau	$710	$59
Root Insurance Company	$715	$60
Root Insurance Company	$716	$60
Auto-Owners Insurance Co	$717	$60
Hartford	$724	$60
CSAA	$725	$60
Travelers	$739	$62
Farmers	$742	$62
Travelers	$744	$62
Root Insurance Company	$767	$64
Nationwide	$832	$69
CSAA	$848	$71
Hartford	$861	$72
State Farm	$867	$72
GEICO	$867	$72
GEICO	$869	$72
Travelers	$880	$73
State Farm	$940	$78
Hartford	$951	$79
Progressive	$954	$79
CSAA	$962	$80
Auto-Owners Insurance Co	$984	$82
Iowa Farm Bureau	$988	$82
Progressive	$993	$83
Allstate	$1,004	$84
Iowa Farm Bureau	$1,065	$89
GEICO	$1,071	$89
Mercury	$1,092	$91
Farmers	$1,094	$91
Allstate	$1,098	$91
Farmers	$1,134	$94
Mercury	$1,145	$95
Allstate	$1,152	$96
State Farm	$1,194	$100
Country Financial	$1,235	$103
Progressive	$1,238	$103
Iowa Farm Bureau	$1,257	$105
CSAA	$1,281	$107
Nationwide	$1,312	$109
The General	$1,313	$109
Hartford	$1,336	$111
Farmers	$1,371	$114
Country Financial	$1,374	$114
The General	$1,472	$123
Nationwide	$1,486	$124
CSAA	$1,492	$124
Mercury	$1,624	$135
CSAA	$1,694	$141
Country Financial	$1,775	$148
Nationwide	$1,790	$149
The General	$1,960	$163
The General	$2,605	$217
The General	$2,713	$226
The General	$3,781	$315

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.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$317	$26
Auto-Owners Insurance Co	$324	$27
Travelers	$360	$30
Mercury	$373	$31
Mercury	$381	$32
Travelers	$387	$32
Travelers	$404	$34
Country Financial	$415	$35
Country Financial	$420	$35
State Farm	$426	$35
Auto-Owners Insurance Co	$441	$37
State Farm	$453	$38
Root Insurance Company	$455	$38
Root Insurance Company	$460	$38
Hartford	$485	$40
Root Insurance Company	$488	$41
GEICO	$504	$42
Progressive	$528	$44
Progressive	$531	$44
GEICO	$531	$44
Mercury	$534	$45
Iowa Farm Bureau	$544	$45
Allstate	$546	$45
Hartford	$546	$45
State Farm	$551	$46
Country Financial	$583	$49
Iowa Farm Bureau	$586	$49
Farmers	$604	$50
GEICO	$608	$51
Progressive	$617	$51
Farmers	$625	$52
Allstate	$627	$52
Nationwide	$628	$52
Allstate	$631	$53
Nationwide	$662	$55
Auto-Owners Insurance Co	$687	$57
Iowa Farm Bureau	$710	$59
Root Insurance Company	$715	$60
Root Insurance Company	$716	$60
Auto-Owners Insurance Co	$717	$60
Hartford	$724	$60
CSAA	$725	$60
Travelers	$739	$62
Farmers	$742	$62
Travelers	$744	$62
Root Insurance Company	$767	$64
Nationwide	$832	$69
CSAA	$848	$71
Hartford	$861	$72
State Farm	$867	$72
GEICO	$867	$72
GEICO	$869	$72
Travelers	$880	$73
State Farm	$940	$78
Hartford	$951	$79
Progressive	$954	$79
CSAA	$962	$80
Auto-Owners Insurance Co	$984	$82
Iowa Farm Bureau	$988	$82
Progressive	$993	$83
Allstate	$1,004	$84
Iowa Farm Bureau	$1,065	$89
GEICO	$1,071	$89
Mercury	$1,092	$91
Farmers	$1,094	$91
Allstate	$1,098	$91
Farmers	$1,134	$94
Mercury	$1,145	$95
Allstate	$1,152	$96
State Farm	$1,194	$100
Country Financial	$1,235	$103
Progressive	$1,238	$103
Iowa Farm Bureau	$1,257	$105
CSAA	$1,281	$107
Nationwide	$1,312	$109
The General	$1,313	$109
Hartford	$1,336	$111
Farmers	$1,371	$114
Country Financial	$1,374	$114
The General	$1,472	$123
Nationwide	$1,486	$124
CSAA	$1,492	$124
Mercury	$1,624	$135
CSAA	$1,694	$141
Country Financial	$1,775	$148
Nationwide	$1,790	$149
The General	$1,960	$163
The General	$2,605	$217
The General	$2,713	$226
The General	$3,781	$315

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.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$317	$26
Auto-Owners Insurance Co	$324	$27
Auto-Owners Insurance Co	$441	$37
Travelers	$453	$38
Travelers	$480	$40
Travelers	$485	$40
State Farm	$487	$41
State Farm	$487	$41
Auto-Owners Insurance Co	$493	$41
Travelers	$495	$41
Auto-Owners Insurance Co	$505	$42
Root Insurance Company	$508	$42
Travelers	$514	$43
Root Insurance Company	$514	$43
State Farm	$518	$43
State Farm	$518	$43
Travelers	$525	$44
Travelers	$527	$44
State Farm	$536	$45
Root Insurance Company	$545	$45
Travelers	$567	$47
Country Financial	$568	$47
State Farm	$570	$47
Root Insurance Company	$571	$48
Root Insurance Company	$572	$48
Country Financial	$575	$48
Root Insurance Company	$576	$48
Progressive	$576	$48
Root Insurance Company	$577	$48
GEICO	$579	$48
Travelers	$579	$48
Mercury	$590	$49
Progressive	$610	$51
GEICO	$611	$51
Root Insurance Company	$611	$51
Root Insurance Company	$615	$51
Hartford	$627	$52
Mercury	$630	$53
State Farm	$631	$53
State Farm	$631	$53
Progressive	$658	$55
Progressive	$669	$56
Auto-Owners Insurance Co	$670	$56
Mercury	$679	$57
Auto-Owners Insurance Co	$686	$57
Auto-Owners Insurance Co	$687	$57
Auto-Owners Insurance Co	$687	$57
State Farm	$694	$58
Iowa Farm Bureau	$695	$58
Hartford	$696	$58
Progressive	$699	$58
Hartford	$701	$58
GEICO	$702	$59
Country Financial	$703	$59
Country Financial	$713	$59
Auto-Owners Insurance Co	$717	$60
Country Financial	$721	$60
Country Financial	$731	$61
GEICO	$744	$62
Farmers	$746	$62
Hartford	$746	$62
Iowa Farm Bureau	$750	$62
Progressive	$753	$63
Nationwide	$766	$64
Mercury	$767	$64
Progressive	$773	$64
Mercury	$779	$65
Root Insurance Company	$791	$66
Root Insurance Company	$792	$66
Country Financial	$798	$67
Nationwide	$799	$67
Hartford	$799	$67
GEICO	$805	$67
Mercury	$819	$68
Farmers	$829	$69
Progressive	$832	$69
Root Insurance Company	$847	$71
Hartford	$856	$71
Farmers	$863	$72
Mercury	$871	$73
Progressive	$875	$73
Root Insurance Company	$878	$73
Allstate	$879	$73
GEICO	$879	$73
Farmers	$880	$73
Root Insurance Company	$880	$73
CSAA	$885	$74
Root Insurance Company	$896	$75
Root Insurance Company	$896	$75
Iowa Farm Bureau	$909	$76
Auto-Owners Insurance Co	$932	$78
Hartford	$937	$78
Iowa Farm Bureau	$939	$78
Root Insurance Company	$942	$78
Country Financial	$947	$79
Allstate	$958	$80
Farmers	$963	$80
Root Insurance Company	$964	$80
Nationwide	$969	$81
Farmers	$979	$82
State Farm	$982	$82
State Farm	$982	$82
Auto-Owners Insurance Co	$984	$82
Farmers	$999	$83
Country Financial	$1,001	$83
Allstate	$1,009	$84
Auto-Owners Insurance Co	$1,010	$84
Iowa Farm Bureau	$1,011	$84
Allstate	$1,019	$85
Travelers	$1,022	$85
GEICO	$1,024	$85
GEICO	$1,036	$86
CSAA	$1,040	$87
Auto-Owners Insurance Co	$1,048	$87
State Farm	$1,063	$89
State Farm	$1,063	$89
State Farm	$1,074	$90
Travelers	$1,075	$90
Farmers	$1,077	$90
CSAA	$1,082	$90
Hartford	$1,090	$91
Travelers	$1,090	$91
Mercury	$1,096	$91
Mercury	$1,097	$91
Allstate	$1,099	$92
Allstate	$1,102	$92
Allstate	$1,110	$92
Progressive	$1,124	$94
Travelers	$1,125	$94
Farmers	$1,128	$94
CSAA	$1,131	$94
Travelers	$1,133	$94
Progressive	$1,143	$95
GEICO	$1,146	$96
Nationwide	$1,149	$96
Travelers	$1,154	$96
State Farm	$1,161	$97
Hartford	$1,161	$97
Hartford	$1,171	$98
CSAA	$1,187	$99
GEICO	$1,191	$99
Travelers	$1,192	$99
Nationwide	$1,196	$100
Travelers	$1,206	$100
Iowa Farm Bureau	$1,227	$102
Travelers	$1,247	$104
Hartford	$1,250	$104
Iowa Farm Bureau	$1,263	$105
GEICO	$1,263	$105
GEICO	$1,264	$105
Iowa Farm Bureau	$1,264	$105
Allstate	$1,266	$105
Allstate	$1,269	$106
CSAA	$1,289	$107
GEICO	$1,320	$110
Progressive	$1,321	$110
Hartford	$1,322	$110
Auto-Owners Insurance Co	$1,332	$111
CSAA	$1,349	$112
State Farm	$1,352	$113
State Farm	$1,352	$113
Progressive	$1,353	$113
GEICO	$1,356	$113
Hartford	$1,357	$113
Iowa Farm Bureau	$1,361	$113
Iowa Farm Bureau	$1,362	$114
Progressive	$1,378	$115
Auto-Owners Insurance Co	$1,379	$115
Hartford	$1,421	$118
Nationwide	$1,440	$120
Farmers	$1,446	$120
Auto-Owners Insurance Co	$1,447	$121
Hartford	$1,462	$122
Nationwide	$1,472	$123
State Farm	$1,478	$123
CSAA	$1,479	$123
Farmers	$1,481	$123
Nationwide	$1,519	$127
Progressive	$1,539	$128
CSAA	$1,548	$129
Allstate	$1,554	$129
GEICO	$1,565	$130
The General	$1,571	$131
Progressive	$1,580	$132
CSAA	$1,583	$132
Farmers	$1,593	$133
Progressive	$1,594	$133
Iowa Farm Bureau	$1,607	$134
Nationwide	$1,621	$135
Country Financial	$1,639	$137
Iowa Farm Bureau	$1,651	$138
Farmers	$1,651	$138
Farmers	$1,681	$140
Allstate	$1,693	$141
Iowa Farm Bureau	$1,707	$142
The General	$1,710	$142
Allstate	$1,718	$143
Mercury	$1,752	$146
Nationwide	$1,764	$147
Hartford	$1,779	$148
Allstate	$1,782	$148
Farmers	$1,791	$149
Nationwide	$1,796	$150
The General	$1,802	$150
Country Financial	$1,816	$151
Progressive	$1,817	$151
Farmers	$1,828	$152
Iowa Farm Bureau	$1,840	$153
CSAA	$1,842	$154
Farmers	$1,849	$154
Mercury	$1,857	$155
The General	$1,863	$155
Allstate	$1,869	$156
Country Financial	$1,895	$158
Mercury	$1,899	$158
Allstate	$1,901	$158
Auto-Owners Insurance Co	$1,911	$159
Country Financial	$1,912	$159
Allstate	$1,944	$162
CSAA	$1,955	$163
GEICO	$1,956	$163
Country Financial	$2,009	$167
The General	$2,009	$167
Hartford	$2,026	$169
Farmers	$2,048	$171
CSAA	$2,067	$172
GEICO	$2,074	$173
Hartford	$2,095	$175
Country Financial	$2,098	$175
CSAA	$2,099	$175
Nationwide	$2,100	$175
Allstate	$2,100	$175
GEICO	$2,113	$176
Mercury	$2,129	$177
Iowa Farm Bureau	$2,172	$181
Allstate	$2,185	$182
The General	$2,241	$187
The General	$2,257	$188
Iowa Farm Bureau	$2,297	$191
Mercury	$2,297	$191
CSAA	$2,298	$192
The General	$2,361	$197
Country Financial	$2,363	$197
Nationwide	$2,429	$202
CSAA	$2,437	$203
Mercury	$2,444	$204
The General	$2,471	$206
Iowa Farm Bureau	$2,475	$206
Mercury	$2,587	$216
Country Financial	$2,607	$217
CSAA	$2,628	$219
Nationwide	$2,679	$223
Country Financial	$2,764	$230
CSAA	$2,781	$232
Iowa Farm Bureau	$2,922	$243
Mercury	$3,040	$253
Nationwide	$3,117	$260
The General	$3,121	$260
Nationwide	$3,159	$263
Mercury	$3,261	$272
The General	$3,321	$277
The General	$3,391	$283
Nationwide	$3,409	$284
The General	$3,686	$307
The General	$3,690	$308
Nationwide	$3,846	$321
The General	$4,103	$342
The General	$4,370	$364
The General	$4,573	$381
The General	$4,788	$399

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.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
Travelers	$929	$1,539
Travelers	$979	$1,589
Travelers	$1,031	$1,709
Travelers	$1,041	$1,887
Travelers	$1,065	$1,765
Travelers	$1,116	$1,812
Travelers	$1,142	$2,087
Travelers	$1,147	$2,039
Travelers	$1,186	$1,925
Travelers	$1,278	$2,282
Travelers	$1,305	$2,321
Travelers	$1,307	$2,612
Auto-Owners Insurance Co	$1,347	$2,801
Farmers	$1,383	$2,448
State Farm	$1,397	$4,102
Auto-Owners Insurance Co	$1,401	$3,044
Travelers	$1,404	$3,166
Auto-Owners Insurance Co	$1,427	$2,969
Farmers	$1,430	$2,605
Travelers	$1,461	$2,609
Travelers	$1,468	$2,976
Auto-Owners Insurance Co	$1,475	$3,205
Auto-Owners Insurance Co	$1,519	$3,568
Auto-Owners Insurance Co	$1,541	$3,646
State Farm	$1,546	$4,540
Progressive	$1,550	$2,088
Auto-Owners Insurance Co	$1,558	$3,384
Auto-Owners Insurance Co	$1,566	$3,953
Allstate	$1,568	$2,433
State Farm	$1,590	$4,560
Allstate	$1,593	$2,471
Allstate	$1,599	$2,480
Allstate	$1,607	$2,588
State Farm	$1,627	$5,511
Travelers	$1,630	$3,679
Nationwide	$1,634	$3,317
Auto-Owners Insurance Co	$1,635	$3,400
Progressive	$1,654	$2,193
Nationwide	$1,663	$5,007
Travelers	$1,666	$3,756
GEICO	$1,668	$4,097
Progressive	$1,677	$3,237
Nationwide	$1,680	$3,704
State Farm	$1,686	$4,950
Travelers	$1,723	$4,733
Auto-Owners Insurance Co	$1,728	$3,811
Allstate	$1,737	$2,639
State Farm	$1,752	$5,976
GEICO	$1,787	$2,033
State Farm	$1,790	$5,134
Nationwide	$1,795	$6,048
Allstate	$1,795	$2,722
GEICO	$1,805	$2,226
GEICO	$1,808	$2,611
Progressive	$1,810	$3,480
GEICO	$1,812	$2,062
Progressive	$1,815	$2,446
Allstate	$1,829	$2,779
Progressive	$1,830	$2,426
Auto-Owners Insurance Co	$1,832	$5,267
Nationwide	$1,837	$3,729
Auto-Owners Insurance Co	$1,844	$4,653
Allstate	$1,846	$2,972
GEICO	$1,853	$2,284
Allstate	$1,861	$2,827
Auto-Owners Insurance Co	$1,876	$4,139
GEICO	$1,887	$2,739
Auto-Owners Insurance Co	$1,889	$4,550
GEICO	$1,898	$2,464
GEICO	$1,898	$2,354
State Farm	$1,903	$6,444
Progressive	$1,907	$3,043
Nationwide	$1,923	$3,904
GEICO	$1,923	$2,188
Nationwide	$1,926	$4,687
Progressive	$1,926	$4,153
Progressive	$1,934	$3,009
GEICO	$1,936	$2,387
Progressive	$1,950	$3,764
GEICO	$1,959	$5,500
Nationwide	$1,971	$4,346
Travelers	$1,975	$4,458
Progressive	$1,983	$2,629
State Farm	$1,983	$5,687
Farmers	$1,995	$4,587
Progressive	$2,004	$2,700
State Farm	$2,009	$6,855
State Farm	$2,010	$7,738
GEICO	$2,040	$2,960
Allstate	$2,054	$3,121
GEICO	$2,054	$3,244
GEICO	$2,054	$3,287
Travelers	$2,057	$5,793
Nationwide	$2,061	$5,571
Nationwide	$2,068	$4,561
GEICO	$2,079	$3,003
Farmers	$2,106	$4,359
Farmers	$2,118	$5,071
State Farm	$2,137	$7,151
Progressive	$2,153	$4,688
Farmers	$2,173	$4,997
GEICO	$2,179	$5,352
Allstate	$2,184	$3,673
GEICO	$2,195	$6,163
Farmers	$2,197	$5,570
Auto-Owners Insurance Co	$2,207	$5,033
Progressive	$2,212	$4,253
Progressive	$2,223	$9,021
Farmers	$2,226	$4,835
Farmers	$2,244	$11,019
Farmers	$2,252	$5,391
Farmers	$2,268	$4,013
Auto-Owners Insurance Co	$2,281	$6,336
Farmers	$2,289	$5,976
Nationwide	$2,299	$8,279
State Farm	$2,304	$8,852
Farmers	$2,311	$4,090
Allstate	$2,334	$3,539
Farmers	$2,370	$4,318
Nationwide	$2,374	$9,581
Nationwide	$2,374	$9,581
Farmers	$2,377	$11,957
GEICO	$2,413	$8,659
GEICO	$2,413	$8,327
Auto-Owners Insurance Co	$2,423	$5,524
Nationwide	$2,428	$10,239
Farmers	$2,448	$4,461
Progressive	$2,457	$10,047
Auto-Owners Insurance Co	$2,480	$6,409
Farmers	$2,481	$12,182
Nationwide	$2,487	$7,488
State Farm	$2,508	$9,626
State Farm	$2,510	$8,400
Auto-Owners Insurance Co	$2,592	$7,200
Auto-Owners Insurance Co	$2,630	$8,380
Allstate	$2,632	$4,530
State Farm	$2,634	$10,121
State Farm	$2,647	$11,544
Farmers	$2,649	$13,326
Nationwide	$2,687	$11,375
Progressive	$2,697	$12,612
Progressive	$2,760	$11,201
Farmers	$2,761	$17,471
Nationwide	$2,807	$13,073
Nationwide	$2,807	$13,073
Allstate	$2,863	$4,351
Nationwide	$2,872	$13,991
Nationwide	$2,891	$9,739
State Farm	$2,905	$11,045
Progressive	$2,948	$13,819
Farmers	$2,949	$19,235
Progressive	$3,008	$12,301
State Farm	$3,332	$12,668
State Farm	$3,347	$14,464
Allstate	$3,387	$5,615
Allstate	$3,504	$5,809
Allstate	$3,537	$6,164
Allstate	$4,644	$6,964
Allstate	$4,805	$7,205
Allstate	$4,904	$7,892

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).

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$283	$24
USAA	$284	$24
Auto-Owners Insurance Co	$317	$26
Auto-Owners Insurance Co	$324	$27
USAA	$334	$28
Travelers	$360	$30
Mercury	$373	$31
Mercury	$381	$32
Travelers	$387	$32
Travelers	$404	$34
Country Financial	$415	$35
Country Financial	$420	$35
State Farm	$426	$35
Auto-Owners Insurance Co	$441	$37
State Farm	$453	$38
Root Insurance Company	$455	$38
Root Insurance Company	$460	$38
Hartford	$485	$40
Root Insurance Company	$488	$41
GEICO	$504	$42
Progressive	$528	$44
Progressive	$531	$44
GEICO	$531	$44
Mercury	$534	$45
Iowa Farm Bureau	$544	$45
Allstate	$546	$45
Hartford	$546	$45
State Farm	$551	$46
Country Financial	$583	$49
Iowa Farm Bureau	$586	$49
Farmers	$604	$50
GEICO	$608	$51
Progressive	$617	$51
Farmers	$625	$52
Allstate	$627	$52
Nationwide	$628	$52
Allstate	$631	$53
Nationwide	$662	$55
Auto-Owners Insurance Co	$687	$57
Iowa Farm Bureau	$710	$59
Root Insurance Company	$715	$60
Root Insurance Company	$716	$60
Auto-Owners Insurance Co	$717	$60
Hartford	$724	$60
CSAA	$725	$60
Travelers	$739	$62
Farmers	$742	$62
Travelers	$744	$62
Root Insurance Company	$767	$64
USAA	$788	$66
USAA	$831	$69
Nationwide	$832	$69
CSAA	$848	$71
Hartford	$861	$72
GEICO	$867	$72
State Farm	$867	$72
GEICO	$869	$72
Travelers	$880	$73
State Farm	$940	$78
Hartford	$951	$79
Progressive	$954	$79
CSAA	$962	$80
Auto-Owners Insurance Co	$984	$82
Iowa Farm Bureau	$988	$82
Progressive	$993	$83
USAA	$1,001	$83
Allstate	$1,004	$84
Iowa Farm Bureau	$1,065	$89
GEICO	$1,071	$89
Mercury	$1,092	$91
Farmers	$1,094	$91
Allstate	$1,098	$91
Farmers	$1,134	$94
Mercury	$1,145	$95
Allstate	$1,152	$96
State Farm	$1,194	$100
Country Financial	$1,235	$103
Progressive	$1,238	$103
Iowa Farm Bureau	$1,257	$105
CSAA	$1,281	$107
Nationwide	$1,312	$109
The General	$1,313	$109
Hartford	$1,336	$111
Farmers	$1,371	$114
Country Financial	$1,374	$114
The General	$1,472	$123
Nationwide	$1,486	$124
CSAA	$1,492	$124
Mercury	$1,624	$135
CSAA	$1,694	$141
Country Financial	$1,775	$148
Nationwide	$1,790	$149
The General	$1,960	$163
The General	$2,605	$217
The General	$2,713	$226
The General	$3,781	$315

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Arizona

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$395

2.GEICO

$413

3.CSAA

$516

4.Country Financial

$574

5.Hartford

$576

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.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

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.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

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.

Read MoneyGeek's Auto-Owners and American National Auto Insurance Review

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

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Scottsdale, AZ

On This Page:

Cheapest Minimum Liability Car Insurance in Scottsdale

Cheapest Full Coverage Car Insurance in Scottsdale

Cheapest Car Insurance in Scottsdale After a Driving Offense

Cheapest Car Insurance in Scottsdale for Teens and Their Families

Cheapest Car Insurance in Scottsdale for Military Drivers

How to Compare Cheap Scottsdale Car Insurance Quotes Online

Best Car Insurance in Scottsdale: Summary

Best Overall Car Insurance in Scottsdale

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Scottsdale for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Scottsdale

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Scottsdale