Cheap Auto Insurance in Scottsdale, Arizona (2024)
Auto-Owners offers the cheapest car insurance in Scottsdale, with minimum-coverage policies as low as $47 per month.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 21, 2024
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Table of contents
Car insurance costs are lower in Scottsdale than in other parts of Arizona. The desert city’s relatively smaller population — Scottsdale has about half the population of Mesa and one-seventh the population of Phoenix — likely contributes to its lower car insurance costs.
Scottsdale drivers face average car insurance rates of $180 per month for full coverage and $98 for liability-only policies. Those averages are close to Arizona's state-level averages of $180 and $92, respectively.
You may be able to save even more on car insurance in Scottsdale by comparing quotes from multiple insurance companies. Here’s what you need to know about affordable auto insurance in Scottsdale.
Quick Facts
Auto-Owners, Mile Auto, and State Farm are the three cheapest car insurance companies for Scottsdale drivers.
Scottsdale had 3,485 traffic accidents in 2022, resulting in 1,126 injuries and 16 fatalities.[1]
If you fail to meet the minimum car insurance requirements in Arizona, you may face a vehicle registration or driver’s license suspension.[2]
Best car insurance companies in Scottsdale
The cheapest and best car insurance company for you depends on factors like your budget and coverage level needs. That’s why it’s worthwhile to shop around and compare rates with different companies. Insurify identified a few of the leading car insurance companies below to help you start your search for the best car insurance in Scottsdale.
Each offers unique advantages for Scottsdale residents.
Auto-Owners offers a high level of customization to suit the needs of Scottsdale’s diverse population. Nearly 25% of the city’s residents are 65 or older and may find Mile Auto’s pay-per-mile insurance model appealing if they don’t drive much. And USAA can be a good option for Scottsdale veterans, who make up about 5% of the city’s population.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $77 | $46 | Liability-only coverage |
| Mile Auto | 7.5 | $88 | $51 | Low-mileage drivers |
| USAA | 9.4 | $106 | $63 | Military community |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $79/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners consistently offers some of the lowest rates throughout Arizona. It stands out for highly customizable, affordable coverage and numerous discounts. It offers other insurance products, like home, renters, and condo insurance, for potential bundling discounts. The company also earned an AM Best financial strength rating of A++ (Superior).
Pros
Many advertised discounts
Unique rental car reimbursement program helps cover hotel and food expenses
Cons
May not be the cheapest option for families with teen drivers
Won’t file an SR-22 on your behalf
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $90/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto offers pay-per-mile auto insurance, making it a good option for occasional drivers in the market for cheap car insurance rates. It charges drivers a monthly base rate, plus a per-mile rate, so you pay premiums based on how much you drive. Unlike other insurance companies, it doesn’t offer other types of insurance or discounts.
Pros
Cheap rates for low-mileage drivers
No vehicle tracking device required
Cons
No advertised discounts
No bundling insurance products available
Best insurer for veterans and military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
856NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA caters to the military community with auto insurance and other insurance products, like home insurance and boat insurance. To purchase an auto policy, you must join USAA and be an active, retired, and reserve military member or an immediate family member of one. If you can get coverage with USAA, you’ll enjoy highly rated customer service and low average premiums.
Pros
SafePilot usage-based insurance program available
Easy-to-use mobile app
Cons
Gap insurance not available
Only for military members and their families
How to get the cheapest car insurance in Scottsdale
It takes time and effort to find affordable car insurance in Scottsdale. These tips can help you zero in on the perfect plan for your unique situation and specific needs:
Shop around. It may be tempting to choose the first car insurance company you find. But doing so can cost you. Instead, request quotes from at least three different car insurance companies and compare the most affordable options.
Look for discounts. The best car insurance companies usually offer discounts. You might be able to land a discount if you complete a defensive driving course, get good grades, or enroll in automatic payments.
Bundle policies. If you buy your car insurance from the same company as your homeowners insurance, renters insurance, or life insurance, you may get a discount on your policies.
Explore usage-based insurance. If you’re an infrequent driver because you’re retired or work remotely, you may save money with a pay-per-mile policy. Your monthly premiums are based on how many miles you drive.
Cheapest liability-only car insurance in Scottsdale
Arizona requires liability car insurance, which is the cheapest type of auto insurance coverage you can get in Scottsdale. After an at-fault accident, it’ll cover the other driver’s property damage and injury costs but not your own.
Here’s an overview of the cheapest liability car insurance companies in Scottsdale, Arizona.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $47 |
| Mile Auto | $52 |
| State Farm | $58 |
| GEICO | $59 |
| USAA | $64 |
| Metromile | $78 |
| Root | $80 |
| Sun Coast | $82 |
| National General | $86 |
| Allstate | $97 |
| Travelers | $100 |
| Progressive | $101 |
| Mercury | $103 |
| Safeco | $105 |
| Dairyland | $108 |
| Direct Auto | $111 |
| American Family | $113 |
| COUNTRY Financial | $113 |
| Clearcover | $115 |
| The Hartford | $117 |
| Farmers | $118 |
| The General | $120 |
| Bristol West | $131 |
| Nationwide | $131 |
| GAINSCO | $132 |
| Commonwealth Casualty | $164 |
| AssuranceAmerica | $166 |
| Liberty Mutual | $173 |
| Foremost | $216 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Scottsdale
Full-coverage car insurance offers additional protection and typically includes liability, collision, and comprehensive coverage. It covers non-accident events, like theft and falling objects, and accidents that you cause. You may need a full-coverage policy if you took out a loan or lease for your vehicle.
The table below shows the cheapest full-coverage car insurance quotes in Scottsdale, Arizona.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $79 |
| Mile Auto | $90 |
| State Farm | $97 |
| GEICO | $100 |
| USAA | $108 |
| Root | $125 |
| Metromile | $130 |
| Safeco | $155 |
| Allstate | $161 |
| Sun Coast | $161 |
| Travelers | $168 |
| Mercury | $177 |
| Progressive | $181 |
| COUNTRY Financial | $189 |
| American Family | $191 |
| Clearcover | $194 |
| The Hartford | $195 |
| Farmers | $197 |
| National General | $202 |
| Nationwide | $220 |
| Direct Auto | $240 |
| Bristol West | $254 |
| Liberty Mutual | $261 |
| Dairyland | $274 |
| The General | $277 |
| AssuranceAmerica | $293 |
| GAINSCO | $305 |
| Foremost | $391 |
| Commonwealth Casualty | $399 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Scottsdale, Arizona
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $41/mo for full coverage in Scottsdale and other Arizona cities.
*Quotes generated for Insurify users in and around Scottsdale, Arizona within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Scottsdale, Arizona within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arizona
Arizona is a tort state, commonly known as an at-fault state. This means you have to pay for the property damage and injuries of the other driver and passengers if you’re at fault for an accident. You should carry your policy information while driving to avoid the serious financial and legal consequences of not being able to show proof of insurance.
Like most states, Arizona requires drivers to have a minimum amount of liability insurance. Keep in mind, though, that buying only the required amount of liability coverage could leave you financially exposed if you cause an accident in which damages exceed your coverage limits.
Here are Arizona’s auto insurance requirements for drivers:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
Depending on your budget, finances, and risk tolerance, it may be a good idea to invest in additional car insurance coverage in Arizona. Here are several policies to consider:
Comprehensive coverage
Comprehensive coverage covers damages to your vehicle from non-collision causes, like vandalism, thunderstorms, and fires.
Collision coverage
Collision coverage pays to repair or replace your vehicle if you get into an accident with another driver or stationary object, no matter who’s at fault.
Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage will kick in after an accident with a driver who lacks a car insurance policy or doesn’t have sufficient coverage.
Medical payments coverage
Medical payments insurance is a lot like personal injury protection (PIP) coverage and pays for medical expenses and funeral costs, regardless of who caused the accident.
Roadside assistance coverage
Roadside assistance can come in handy if your vehicle breaks down unexpectedly and you need to jump-start your battery, replace a flat tire, or fill your empty gas tank.
)
How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
If you have a driving record with incidents like at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions, there’s a good chance you’ll have to settle for higher car insurance rates. This is because car insurance companies will view you as a high-risk driver more likely to file a claim. Scottsdale drivers with clean records usually secure the lowest premiums.
Here’s a look at the insurance companies with the lowest average car insurance quotes in Scottsdale, based on driving history.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
In 2022, 426 people died and more than 20,000 sustained injuries in speed-related crashes in Arizona.[1] The Scottsdale Police Department deploys radar-equipped “photo safety vans” around the city in an effort to catch drivers who speed. Speeding can lead to fines of $265 to $446, depending on the location and excessive speed, as well as more expensive car insurance premiums.[3]
A speeding ticket in Scottsdale could bump your monthly car insurances to $248 for full coverage and $135 for a liability-only policy, on average. Here are the cheapest liability-only quotes for drivers with a speeding ticket in Scottsdale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $47 | $61 |
| Mile Auto | $52 | $67 |
| State Farm | $58 | $74 |
| GEICO | $59 | $76 |
| USAA | $64 | $82 |
| Metromile | $78 | $106 |
| Root | $80 | $110 |
| Sun Coast | $82 | $113 |
| National General | $86 | $111 |
| Allstate | $97 | $125 |
| Travelers | $100 | $130 |
| Progressive | $101 | $129 |
| Mercury | $103 | $142 |
| Safeco | $105 | $137 |
| Dairyland | $108 | $139 |
| Direct Auto | $111 | $143 |
| American Family | $113 | $146 |
| COUNTRY Financial | $113 | $150 |
| Clearcover | $115 | $149 |
| The Hartford | $117 | $167 |
| Farmers | $118 | $151 |
| The General | $120 | $157 |
| Bristol West | $131 | $170 |
| Nationwide | $131 | $170 |
| GAINSCO | $132 | $183 |
| Commonwealth Casualty | $164 | $227 |
| AssuranceAmerica | $166 | $213 |
| Liberty Mutual | $173 | $240 |
| Foremost | $216 | $299 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Scottsdale reported 3,485 car accidents in 2022. These accidents led to 16 fatalities and more than 1,100 injuries.[1] So, if you’re responsible for an accident, you’ll likely pay more for car insurance, depending on the severity of the accident.[4]
Scottsdale drivers with at-fault accidents on their driving records see average monthly car insurance rates of $253 for full coverage and $138 for minimum coverage. The table below shows the car insurance companies with the cheapest average liability-only monthly quotes for drivers with an at-fault accident on their records in Scottsdale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $47 | $63 |
| Mile Auto | $52 | $71 |
| State Farm | $58 | $77 |
| GEICO | $59 | $79 |
| USAA | $64 | $86 |
| Metromile | $78 | $110 |
| Root | $80 | $114 |
| Sun Coast | $82 | $115 |
| National General | $86 | $115 |
| Allstate | $97 | $130 |
| Travelers | $100 | $135 |
| Progressive | $101 | $136 |
| Mercury | $103 | $148 |
| Safeco | $105 | $139 |
| Dairyland | $108 | $143 |
| Direct Auto | $111 | $152 |
| American Family | $113 | $151 |
| COUNTRY Financial | $113 | $158 |
| Clearcover | $115 | $166 |
| The Hartford | $117 | $173 |
| Farmers | $118 | $157 |
| The General | $120 | $164 |
| Bristol West | $131 | $175 |
| Nationwide | $131 | $177 |
| GAINSCO | $132 | $169 |
| Commonwealth Casualty | $164 | $215 |
| AssuranceAmerica | $166 | $217 |
| Liberty Mutual | $173 | $247 |
| Foremost | $216 | $308 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Scottsdale reported 212 alcohol-related crashes in 2022, which resulted in five fatalities and 144 injuries.[1] If you have a DUI conviction on your record, you may have a difficult time finding the best coverage or have to settle for higher car insurance rates. Plus, Arizona may require you to file SR-22 insurance coverage and have continuous coverage for three years.
In Scottsdale, drivers with DUIs face average monthly car insurance rates of $157 for liability-only coverage and $289 for full coverage. Here are the cheapest car insurance companies offering liability policies for drivers with a DUI in Scottsdale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $47 | $76 |
| Mile Auto | $52 | $85 |
| State Farm | $58 | $94 |
| GEICO | $59 | $96 |
| USAA | $64 | $104 |
| Metromile | $78 | $127 |
| Root | $80 | $116 |
| Sun Coast | $82 | $131 |
| National General | $86 | $140 |
| Allstate | $97 | $158 |
| Travelers | $100 | $163 |
| Progressive | $101 | $164 |
| Mercury | $103 | $155 |
| Safeco | $105 | $158 |
| Dairyland | $108 | $176 |
| Direct Auto | $111 | $180 |
| American Family | $113 | $184 |
| COUNTRY Financial | $113 | $184 |
| Clearcover | $115 | $187 |
| The Hartford | $117 | $175 |
| Farmers | $118 | $192 |
| The General | $120 | $195 |
| Bristol West | $131 | $213 |
| Nationwide | $131 | $213 |
| GAINSCO | $132 | $215 |
| Commonwealth Casualty | $164 | $267 |
| AssuranceAmerica | $166 | $270 |
| Liberty Mutual | $173 | $281 |
| Foremost | $216 | $351 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Senior drivers have higher motor vehicle accident mortality rates than younger drivers, making them riskier on the road.[5] This is why car insurance costs decrease around age 35 and increase a bit around age 70. Despite these increases, seniors still pay lower rates than other driving age groups.
The average cost of car insurance for Scottsdale seniors is $134 per month for full coverage and $73 for liability only. The table below shows average monthly quotes, by insurance company, for senior drivers in Scottsdale.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $35 | $59 |
| Mile Auto | $37 | $64 |
| State Farm | $43 | $71 |
| GEICO | $45 | $76 |
| USAA | $49 | $82 |
| Metromile | $60 | $100 |
| Sun Coast | $61 | $120 |
| National General | $62 | $146 |
| Root | $64 | $100 |
| Progressive | $69 | $124 |
| Allstate | $74 | $123 |
| Travelers | $74 | $125 |
| Mercury | $77 | $133 |
| The Hartford | $79 | $131 |
| Dairyland | $82 | $208 |
| Direct Auto | $82 | $178 |
| American Family | $84 | $142 |
| Safeco | $85 | $126 |
| COUNTRY Financial | $87 | $145 |
| Farmers | $88 | $146 |
| Nationwide | $93 | $156 |
| The General | $93 | $214 |
| Clearcover | $94 | $159 |
| Bristol West | $100 | $194 |
| GAINSCO | $105 | $243 |
| AssuranceAmerica | $119 | $210 |
| Commonwealth Casualty | $125 | $303 |
| Liberty Mutual | $138 | $209 |
| Foremost | $164 | $297 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teenagers have minimal experience on the road and are more likely to engage in risky driving behaviors like speeding and distracted driving. For this reason, they usually pay higher premiums. Fortunately, they can save some money on a policy and find the best deal if they lock in a good student discount or stay on their parents’ insurance plan.
The average cost of car insurance for Scottsdale teens with their own policy is $205 monthly for liability-only coverage and $376 for full coverage. Here are average costs from some top insurance companies in Scottsdale for teen drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $88 | $148 |
| GEICO | $106 | $179 |
| Mile Auto | $111 | $192 |
| State Farm | $111 | $186 |
| USAA | $120 | $202 |
| Root | $135 | $211 |
| Metromile | $143 | $239 |
| Sun Coast | $171 | $336 |
| COUNTRY Financial | $184 | $309 |
| National General | $186 | $437 |
| Allstate | $192 | $319 |
| Dairyland | $195 | $495 |
| Progressive | $197 | $353 |
| Travelers | $201 | $337 |
| Mercury | $202 | $348 |
| The General | $214 | $493 |
| American Family | $217 | $367 |
| Safeco | $223 | $329 |
| Direct Auto | $225 | $486 |
| Farmers | $229 | $383 |
| Clearcover | $234 | $395 |
| The Hartford | $244 | $407 |
| Bristol West | $246 | $477 |
| GAINSCO | $254 | $586 |
| Nationwide | $254 | $427 |
| Commonwealth Casualty | $315 | $767 |
| Liberty Mutual | $331 | $499 |
| AssuranceAmerica | $337 | $595 |
| Foremost | $426 | $771 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Scottsdale car insurance quotes by credit tier
Insurance companies believe that drivers with good to excellent credit are less risky and usually file fewer claims than those with poor credit. This is why some car insurers evaluate credit histories of prospective policyholders to help determine rates. Considering credit is illegal in some states, but the practice is legal in the state of Arizona.[6]
The chart below shows that Scottsdale drivers with excellent credit pay an average of $205 per month, while drivers with poor credit pay an average of $412 per month for car insurance.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Scottsdale?
Scottsdale's car insurance rates are competitive, and comparable to Arizona state averages. The city also has cheaper car insurance the the national average, and averages in some larger Arizona cities.
As you shop for a policy, note that car insurance premiums vary by city and ZIP code within Arizona due to different factors like population, crime rates, and the number of uninsured drivers.[7] For example, compared to cities like Chandler, Mesa, Phoenix, and Tempe, Scottsdale has lower prices for car insurance, on average.
More cities in Arizona
Here’s a look at the average quotes in other major Arizona cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Casa Grande | $168 | $83 |
| Flagstaff | $133 | $69 |
| Mesa | $181 | $101 |
| Phoenix | $216 | $116 |
| Tempe | $196 | $105 |
| Tucson | $166 | $88 |
| Yuma | $144 | $78 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Scottsdale car insurance FAQs
Check out the best gap insurance companies in Arizona if you’re planning to finance or lease a new car. In the meantime, read up on the answers to common questions about car insurance in Scottsdale.
How much is car insurance in Scottsdale?
Scottdale's average car insurance rates are $180 per month for full coverage and $98 for minimum coverage. Your actual rates may be more or less than the averages in your area based on factors specific to you like your age, gender, and driving history.
Which are the cheapest car insurance companies in Scottsdale?
Many quality insurers offer coverage in Scottsdale, but Auto-Owners is currently the cheapest. Its liability-only policies start as low as $79 per month with a good driving record. Mile Auto and State Farm are the second- and third-cheapest insurers in Scottsdale, with monthly liability rates averaging $90 and $97, respectively.
What are the best car insurance companies in Scottsdale?
Some of the best car insurance companies in Scottsdale include Auto-Owners, GEICO, State Farm, and USAA. These insurers have strong J.D. Power customer satisfaction ratings and lower-than-average quotes compared to competitors. However, you should always compare quotes from at least three different insurers to determine which company can offer you the best rates for the coverage you need.
What is recommended for car insurance coverage in Arizona?
First, you should always buy at least Arizona’s minimum car insurance requirements, which are 25/50/15. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.
If you drive a newer vehicle, you should consider at least comprehensive and collision coverage, as well. Uninsured/underinsured motorist coverage is also a good idea if you’re concerned about other drivers not having enough insurance to cover your damages and injuries in an accident.
What types of car insurance coverage options are available in Scottsdale?
Many of the best Scottsdale auto insurance companies offer a variety of car insurance coverage options in the city. You can typically find a company that offers liability, collision, comprehensive, gap, rental car reimbursement, uninsured/underinsured motorist, and medical payments or PIP coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Arizona
Sources
- Arizona Department of Transportation. "Arizona Motor Vehicle Crash Facts 2022."
- Arizona Department of Transportation. "Vehicle Insurance Information."
- Scottsdale City Court. "Scottsdale City Court Bond Card."
- III. "Do auto insurance premiums go up after a claim?."
- III. "Senior driving safety and insurance tips."
- Arizona Department of Insurance. "Consumer Guide: How Insurance Companies Use Credit Information."
- III. "What determines the price of an auto insurance policy?."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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