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.
bestauto insuranceScottsdale2021The Cheapest and Best Car Insurance in Scottsdale
The Cheapest Car Insurance Companies in Scottsdale
In Scottsdale, the insurers with the cheapest average rates for a full coverage policy are:
- GEICO: $717 per year
- USAA: $857 per year (only available for current and former military)
When it comes to car insurance in Scottsdale, the most affordable policy is with GEICO. The company offers an average annual premium of $717, which is $467 less than the city average. Following GEICO in terms of affordability are USAA, Progressive, American Family and Nationwide. MetLife is the most expensive provider. Their annual premium averages to $1,737, which is $553 higher than the city average and more than twice the cost of GEICO’s average policy.
For this study, MoneyGeek collected average insurance rates in Scottsdale using a sample driver profile: a 40-year-old male with a full coverage policy, including both liability and comprehensive and collision coverage.
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- CompanyAmountper year
- 1.$717
- 2.$857
- 3.$936
- 4.$999
- 5.$1,055
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.
The Best Car Insurance Companies in Scottsdale
For drivers in Scottsdale looking for a company that balances affordability and quality service, MoneyGeek ranked the best car insurance companies in the city. According to MoneyGeek’s research, the best companies for most drivers are:
- GEICO: MoneyGeek score 90 out of 100
- State Farm: MoneyGeek score 85 out of 100
USAA received the highest score in Scottsdale by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate these final scores, MoneyGeek took into account several factors, including J.D. Power ratings for user satisfaction, affordability and financial stability.
1
USAA
Score:100
2
GEICO
Score:90
3
State Farm
Score:85
4
Allstate
Score:83
5
CSAA
Score:83
6
Liberty Mutual
Score:83
7
American Family
Score:80
8
Travelers
Score:80
9
Safeco
Score:78
10
Farmers
Score:78
11
Progressive
Score:78
12
Nationwide
Score:75
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.
Shopping around for car insurance in Scottsdale could save you $467, which is enough to buy:
156Cups of Coffee
36Months of Your Favorite Streaming Service
Cheapest Car Insurance in Scottsdale by Coverage Amount
In Scottsdale and elsewhere, one of the factors that has an impact on car insurance prices is the amount of coverage you want to buy. For example, a state minimum liability policy costs an average of $609 per year. A full coverage policy with higher liability limits costs $1,184 on average. That is a difference of $576.
Arizona Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
The most appropriate car insurance in Scottsdale is the one that provides you with the protection that you need at a cost that you want. Generally, the cheapest option is to get a state minimum liability policy from GEICO. The annual premium for their state-minimum coverage is only $352.
Car insurance companies in Scottsdale also have 50/100/50 liability-only and full-coverage plans. Choosing any of these will allow you to claim up to $50,000 for bodily injuries of an individual, $100,000 per accident and $50,000 for property damage. If the difference in costs is nominal, it would be better to get full coverage. For example, GEICO’s 50/100/50 liability-only coverage costs $481 per year. If you add $137, you can get full coverage.
A more comprehensive coverage level that includes all injuries and car damages is the 100/300/100 full-coverage policy. GEICO’s annual premium for this policy is $717, which is the cheapest among car insurance companies in Scottsdale.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$352$481
- 2.$423$521
- 3.$494$664
- 4.CSAA$448$604
- 5.$536$673
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$618$717
- 2.$802$857
- 3.$848$936
- 4.CSAA$981$1,141
- 5.$992$1,109
Cheapest Car Insurance in Scottsdale if You Have Driving Violations
Having moving violations, such as speeding tickets, at-fault accidents and a DUI on your driving record will increase the cost of your annual premiums. In Scottsdale, a driver with a clean record can get an auto insurance policy for as low as $717 from GEICO. A similar policy for a driver who has been in an at-fault accident is $1,041, which is $324 higher. If that driver gets a DUI, their premium will more than double to $1,453.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$848$1,041$1,453
- 2.$1,033$1,033$1,033
- 3.$1,272$1,609$1,103
- 4.$1,262$1,369$1,262
- 5.CSAA$1,258$1,258$1,400
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
top ratedCar Insurance agentsScottsdale2021Top Agents Offering Affordable Car Insurance in Scottsdale
1. Jeremy Mueller - State Farm Insurance Agent23341 N Pima Rd, Ste D139, Scottsdale, AZ, 85255
2. Brock T Quinn - State Farm Insurance Agent8100 E Indian School Rd, Ste 102, Scottsdale, AZ, 85251
3. Farmers Insurance - Gabreal Paola8520 E Shea Blvd, Ste 110, Scottsdale, AZ, 85260
4. Kreisman Insurance Group9590 E Ironwood Square Dr, Ste 230, Scottsdale, AZ, 85258
5. Chris Roden - American Family Insurance7633 E Acoma Dr, Ste 207a, Scottsdale, AZ, 85260
Insurance Providers That Serve Scottsdale
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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