Best car insurance in Scottsdale, AZ (2024)

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Nicole WakelinAutomotive journalistNicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country. Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast. Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Reviewed by

Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|2 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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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.

Ready to shop car insurance?

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.

Key takeaways

  • Root has the lowest average rate for a full coverage car insurance policy in Scottsdale at $984 per year.

  • Root is also the cheapest car insurance company for Scottsdale drivers with bad credit 

  • Arizona requires $25,000 person/$50,000 accident in bodily image liability and $15,000 in property damage liability coverage

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

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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

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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

Ready to shop car insurance?

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.

Authors

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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