The average cost of a full coverage car insurance policy in Scottsdale is $1,740 per year. That’s $140 more than the Arizona average, which is $1,600 per year. But Scottsdale drivers can save on car insurance by shopping around and comparing rates before picking a policy.
Policygenius makes it easy to compare rates from top car insurance companies, so you can choose the coverage that’s best for you and a price you feel good about.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Scottsdale, AZ
What you pay for car insurance will depend on your age, driving record, address, the car you drive, and your credit history. But every company has its own method for setting rates, so you can get different rates from two different companies, even for identical amounts of coverage.
Company | Average cost | JD Power Rating |
|---|---|---|
Root | $82/month | -- |
Auto-Owners Insurance | $93/month | 865 |
GEICO | $94/month | 874 |
State Farm | $112/month | 882 |
Travelers | $116/month | 854 |
Cheapest car insurance rates by ZIP code in Scottsdale, AZ
Insurance companies use ZIP codes to figure out the risks of owning a car in your specific neighborhood. They’ll consider incidents of car theft and vandalism, rates of claims, and the number of accidents and traffic tickets issued where you live.
ZIP code | Average cost |
|---|---|
85262 | $1,637 |
85266 | $1,679 |
85255 | $1,716 |
85258 | $1,748 |
85259 | $1,754 |
85256 | $1,755 |
85260 | $1,767 |
85257 | $1,777 |
85251 | $1,778 |
85250 | $1,793 |
Choosing the right car insurance company in Scottsdale, AZ
Finding the right car insurance company for you might seem complicated, but it comes down to a few key factors.
Cost: Seek out quotes from multiple insurance companies so you can see which has the best rates.
Coverage: The higher you set your limits, the better protected you’ll be in case of an accident.
Service: Check customer service and claims satisfaction ratings before you settle on a policy.
Policygenius makes comparing car insurance companies easy by showing you quotes from multiple insurers, so you can pick the policy that’s best for you.
Car insurance rates for drivers with driving violations in Scottsdale, AZ
A driving history full of violations will have a big impact on your car insurance rates. Speeding tickets, at-fault accidents and other violations can mean you’ll pay much more for car insurance.
Violation | Root | Auto-Owners Insurance | GEICO | State Farm | Travelers |
|---|---|---|---|---|---|
At-fault accident | $1,192 | $1,602 | $1,785 | $1,568 | $2,009 |
Suspended license | $1,210 | $2,058 | $2,295 | $1,445 | $2,211 |
Open container | $1,018 | $2,058 | $2,295 | $1,445 | $1,896 |
Expired registration | $1,126 | $1,146 | $1,272 | $1,445 | $1,896 |
Driving without lights | $949 | $1,146 | $1,272 | $1,445 | $1,896 |
Running a red light | $1,171 | $1,146 | $1,272 | $1,445 | $1,896 |
Following too closely | $1,171 | $1,146 | $1,272 | $1,445 | $1,896 |
Hit and run | $1,210 | $2,058 | $2,295 | $1,445 | $2,211 |
Not-at-fault accident | $949 | $1,146 | $1,047 | $1,354 | $1,492 |
Passing a school bus | $1,171 | $1,146 | $1,272 | $1,445 | $2,211 |
Reckless driving | $1,164 | $2,058 | $2,295 | $1,445 | $2,211 |
Cheapest car insurance for drivers with a DUI in Scottsdale, AZ
Company | Rates for drivers with DUIs |
|---|---|
Root | $1,039 |
State Farm | $1,445 |
Auto-Owners Insurance | $2,058 |
Travelers | $2,211 |
GEICO | $2,295 |
Cheapest car insurance for drivers with a speeding ticket in Scottsdale, AZ
Company | Rates for drivers with speeding tickets |
|---|---|
Root | $1,144 |
State Farm | $1,445 |
Auto-Owners Insurance | $2,058 |
Travelers | $2,211 |
GEICO | $2,295 |
Cheapest car insurance for drivers with bad credit in Scottsdale, AZ
A lower credit score usually means you’ll pay more for car insurance, so if you know you have bad credit, take extra time to shop around and find an affordable policy.
Company | Rates for drivers with bad credit |
|---|---|
Root | $1,202 |
GEICO | $1,611 |
Travelers | $2,327 |
Farm Bureau | $2,376 |
Progressive | $2,500 |
Buying car insurance in Scottsdale, AZ
Arizona requires that all drivers have car insurance of at least the following minimum amounts:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $15,000
Arizona drivers must be able to provide proof of insurance if requested. If you are unable to provide this proof, then you will face penalties that may include suspension of your driver’s license and vehicle registration.
How to get cheap car insurance in Scottsdale, AZ
Drive safely: Drive with care and attention so you avoid at-fault accidents and traffic violations.
Shop around: Get quotes from multiple insurance companies to find the best rate available.
Know your discounts: Ask about discounts for members of the military, low mileage drivers, good students, and things like paying your annual premium in full.
Bundle policies: If you have renters or homeowners insurance, using the same company for your car insurance policy could lower all those rates.
Frequently asked questions
Who has the cheapest car insurance rates in Scottsdale?
Our data shows that the two cheapest car insurance companies in Scottsdale are Root and Auto-Owners Insurance, but rates will vary widely from driver to driver, so make sure to shop around before you choose a policy.
How can I save money on my car insurance in Scottsdale?
Try to maintain good credit and minimize driving violations and accidents to save on your car insurance rates. You should also reshop regularly to make sure you’re not missing out on better rates somewhere else.
Is Arizona a no-fault state?
No, Arizona is an at-fault state. This means that the insurance of the driver who is at-fault for an accident will pay for the other party’s medical bills or repair costs.
How much is car insurance per month in Arizona?
The average car insurance rate in Arizona is $1,600 per year, which breaks down to $133 per month.
