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Cheapest and Best Car Insurance Companies in Scottsdale, AZ


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Updated: Sep 26, 2023
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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.

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2023

Cheapest and Best Car Insurance in Scottsdale, AZ

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.

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.

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.

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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.

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.

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).

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.

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USAA

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?

Auto-Owners and American National

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?

Auto-Owners and American National

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?

Auto-Owners and American National

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 headshot

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.