The best car insurance in Scottsdale, AZ

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By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

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

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

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.

Expert reviewed

Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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By

Maria Filindras

Maria Filindras

Financial Advisor

Maria 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

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

The average cost of a full coverage car insurance policy in Scottsdale is $1,706 per year. That’s $141 more than the Arizona average, which is $1,565 per year. But Scottsdale drivers can save on car insurance by shopping around and comparing rates before picking a policy.

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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 $794 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

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

$794

--

Auto-Owners Insurance

$948

890

GEICO

$951

871

State Farm

$1,395

881

Iowa Farm Bureau

$1,448

--

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

85250

$1,765

85251

$1,726

85255

$1,662

85256

$1,823

85257

$1,725

85258

$1,700

85259

$1,715

85260

$1,716

85262

$1,602

85266

$1,630

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

Iowa Farm Bureau

At-fault accident

$1,041

$1,379

$1,499

$1,678

$2,512

DUI

$749

$1,777

$1,905

$1,544

$3,142

Suspended license

$1,044

$1,777

$1,905

$1,544

$3,142

Open container

$749

$1,777

$1,905

$1,544

$1,761

Expired registration

$979

$981

$1,069

$1,544

$1,761

Driving without lights

$979

$981

$1,069

$1,544

$1,761

Not showing documents

$979

$981

$1,030

$1,544

$1,761

Running a red light

$979

$981

$1,069

$1,544

$1,761

Failure to yield

$979

$981

$1,069

$1,544

$1,761

Following too closely

$979

$981

$1,069

$1,544

$1,761

Hit and run

$1,044

$1,777

$1,776

$1,544

$3,142

Illegal turn

$979

$981

$1,069

$1,544

$1,761

Improper passing

$979

$981

$1,069

$1,544

$1,761

Not-at-fault accident

$747

$981

$883

$1,411

$1,372

Passing a school bus

$979

$981

$1,069

$1,544

$1,761

Racing

$1,044

$1,777

$1,905

$1,544

$3,142

Reckless driving

$1,044

$1,777

$1,905

$1,544

$3,142

Speeding

$853

$1,777

$1,905

$1,544

$2,367

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

$995

GEICO

$1,350

Nationwide

$2,312

Iowa Farm Bureau

$2,376

Progressive

$2,666

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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 $1,565 per year, which breaks down to $130.42 per month. The average car insurance rate for drivers in Scottsdale is $142.16 per month, which is $11.75 more than the state average.

Methodology

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.

Authors

Automotive journalist

Nicole Wakelin

Automotive journalist

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.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

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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.

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