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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The 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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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.

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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

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A

Financial Stability

4
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
CSAA
Score:83

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

6
Liberty Mutual
Score:83

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
American Family
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
Safeco
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
Progressive
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

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:


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156Cups of Coffee
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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

  • Item
    Description
  • 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
Full Coverage
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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.

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
iconribbontop ratedCar Insurance agentsScottsdale2021

Top Agents Offering Affordable Car Insurance in Scottsdale

1. Jeremy Mueller - State Farm Insurance Agent23341 N Pima Rd, Ste D139, Scottsdale, AZ, 85255
45 ratings
2. Brock T Quinn - State Farm Insurance Agent8100 E Indian School Rd, Ste 102, Scottsdale, AZ, 85251
39 ratings
3. Farmers Insurance - Gabreal Paola8520 E Shea Blvd, Ste 110, Scottsdale, AZ, 85260
17 ratings
4. Kreisman Insurance Group9590 E Ironwood Square Dr, Ste 230, Scottsdale, AZ, 85258
16 ratings
5. Chris Roden - American Family Insurance7633 E Acoma Dr, Ste 207a, Scottsdale, AZ, 85260
9 ratings

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
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Most Annual Rainfall290th/300
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Most Rainy Days260th/300

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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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.