There are a lot of variables affecting auto insurance rates. Your individual circumstances play an important role in evaluating the risks related to you as a driver. Another factor that has a major impact on the cost is the location. Your location impacts insurance rates because of differences in state minimum coverage requirements, city car theft rates, accident statistics and claims rates. The best way to find the best car insurance in Scottsdale is to regularly compare personalized quotes.
Compare the Cheapest Car Insurance Quotes in Scottsdale, AZ
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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 Cheap Car Insurance Companies in Scottsdale
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.
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- CompanyAmountper year
- 1. GEICO$717
- 2. USAA$857
- 3. Progressive$936
- $999
- 5. Nationwide$1,055
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.
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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Scottsdale by Coverage Amount
How much car insurance coverage you purchase in Scottsdale also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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 by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. GEICO$352$481
- 2. USAA$423$521
- 3. Progressive$494$664
- 4. CSAA$448$604
- $536$673
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. GEICO$618$717
- 2. USAA$802$857
- 3. Progressive$848$936
- 4. CSAA$981$1,141
- $992$1,109
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Cheapest Car Insurance in Scottsdale if You Have Tickets
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. GEICO$848$1,041$1,453
- $1,033$1,033$1,033
- 3. Progressive$1,272$1,609$1,103
- 4. State Farm$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.
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
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.
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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