Cheap Auto Insurance in Scottsdale, Arizona (2025)

Mile Auto offers the cheapest car insurance in Scottsdale, with minimum-coverage policies as low as $60 per month.

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Cheapest recent rates near Scottsdale, Arizona

Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $58/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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 2025. 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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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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 $158 per month for full coverage and $97 for liability-only policies. Those averages are close to Arizona's state-level averages of $166 and $95, 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
  • Mile Auto, Auto-Owners, 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
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Auto-Owners8.2$104$80Liability-only coverage
Mile Auto8.8$104$61Low-mileage drivers
USAA9.1$143$110Military community
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 55,000 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
3.9
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.
8.2 /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.
$80/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.
$104/mo
3.9
A solid optionBased on 208 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

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

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (122)
Timothy
Verified Review
Good Insurance Company
Reviewed in Georgia on July 2025
Check around every year for different rates.
Shontia
Verified Review
Okay Service
Reviewed in North Carolina on July 2025
The service was good until the rate increased without notification.
Thomas
Verified Review
Fair Insurance, One Bad Agent
Reviewed in Michigan on July 2025
I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.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
4.1
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.
8.8 /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.
$60/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.
$103/mo
4.1
Best choiceBased on 131 verified guest reviews and ratings
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (46)
Walt
Verified Review
Typically, we don't use insurance and do not drive much. The fees we pay are absolutely reasonable.
Reviewed in Arizona on July 2025
Low rate plus monthly mileage fee. No other insurer gets even close to my monthly fee.
Arthur
Verified Purchase
Excellent
Reviewed in on June 2025
Good rates based on mileage!
Monica Jo
Verified Review
Inexpensive, but No Full Coverage
Reviewed in Ohio on June 2025
If you drive a lot, this isn't the insurance for you! They charge per mile.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
A.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).
NR
Why 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.
9.1 /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.
$111/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.
$143/mo
4.9
Best choiceBased on 2,123 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

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

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,203)
Carol
Verified Review
I've been with them for 60 years
Reviewed in Georgia on July 2025
They offer a savings account, but you end up paying for it with higher premiums.
Judy
Verified Review
Thoughts on USAA
Reviewed in Texas on July 2025
They are good so far, although I've never had to contact them. I would like a lower monthly premium, but no one has given a lesser amount for insurance and a small renters policy.
Alvin
Verified Review
Top Notch Service!
Reviewed in Texas on July 2025
They're very customer-friendly. They offer the most bang for your bucks!
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Mile Auto$60
Auto-Owners$80
National General$83
Sun Coast$91
Progressive$97
Mercury$98
State Farm$100
Dairyland$100
The General$107
Safeco$108
Root$110
Bristol West$110
USAA$111
Direct Auto$113
GEICO$132
Clearcover$133
GAINSCO$135
AssuranceAmerica$142
Commonwealth Casualty$158
Allstate$165
Travelers$171
Liberty Mutual$177
COUNTRY Financial$193
American Family$194
The Hartford$200
Farmers$201
Nationwide$225
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Mile Auto$103
Auto-Owners$104
State Farm$127
USAA$143
Safeco$154
GEICO$158
Sun Coast$158
Root$160
Progressive$163
Mercury$164
Clearcover$191
National General$196
Allstate$212
Bristol West$214
Travelers$220
The General$221
Direct Auto$231
Liberty Mutual$234
COUNTRY Financial$248
American Family$249
The Hartford$256
Farmers$258
AssuranceAmerica$267
Dairyland$280
Nationwide$288
GAINSCO$304
Commonwealth Casualty$385
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $39/mo for liability only and $58/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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 2025. 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 July 30, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 30, 2025. 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
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability
  • $25,000 per person
  • $50,000 per accident 
Property damage liability
  • $15,000 per accident 

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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage covers damages to your vehicle from non-collision causes, like vandalism, thunderstorms, and fires.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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?

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.

Shop for Car Insurance in Scottsdale, AZ

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

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 $187 for full coverage and $115 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With Ticket
sort ascsort desc
Mile Auto$60$69
Auto-Owners$80$97
National General$83$99
Sun Coast$91$108
Progressive$97$115
Mercury$98$128
State Farm$100$119
Dairyland$100$120
The General$107$136
Safeco$108$133
Root$110$139
Bristol West$110$134
USAA$111$133
Direct Auto$113$137
GEICO$132$163
Clearcover$133$166
GAINSCO$135$155
AssuranceAmerica$142$165
Commonwealth Casualty$158$181
Allstate$165$197
Travelers$171$207
Liberty Mutual$177$216
COUNTRY Financial$193$232
American Family$194$235
The Hartford$200$261
Farmers$201$242
Nationwide$225$272
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

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 $197 for full coverage and $121 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With Accident
sort ascsort desc
Mile Auto$60$76
Auto-Owners$80$99
National General$83$103
Sun Coast$91$113
Progressive$97$121
Mercury$98$136
State Farm$100$124
Dairyland$100$126
The General$107$140
Safeco$108$143
Root$110$136
Bristol West$110$139
USAA$111$139
Direct Auto$113$146
GEICO$132$156
Clearcover$133$188
GAINSCO$135$165
AssuranceAmerica$142$168
Commonwealth Casualty$158$199
Allstate$165$206
Travelers$171$215
Liberty Mutual$177$225
COUNTRY Financial$193$243
American Family$194$244
The Hartford$200$255
Farmers$201$252
Nationwide$225$283
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

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 $130 for liability-only coverage and $212 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Record
sort ascsort desc
With DUI
sort ascsort desc
Mile Auto$60$86
Auto-Owners$80$115
National General$83$119
Sun Coast$91$122
Progressive$97$130
Mercury$98$140
State Farm$100$143
Dairyland$100$143
The General$107$153
Safeco$108$158
Root$110$158
Bristol West$110$158
USAA$111$159
Direct Auto$113$162
GEICO$132$189
Clearcover$133$191
GAINSCO$135$194
AssuranceAmerica$142$204
Commonwealth Casualty$158$226
Allstate$165$237
Travelers$171$245
Liberty Mutual$177$254
COUNTRY Financial$193$277
American Family$194$278
The Hartford$200$267
Farmers$201$288
Nationwide$225$323
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

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 $130 per month for full coverage and $80 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Mile Auto$45$77
National General$62$148
Auto-Owners$63$81
Sun Coast$75$130
State Farm$76$97
Mercury$79$133
Progressive$80$134
Dairyland$80$223
The General$85$175
Direct Auto$87$178
USAA$88$113
Bristol West$88$171
Root$90$131
Safeco$92$131
GEICO$101$121
AssuranceAmerica$107$202
GAINSCO$110$248
Clearcover$114$164
Commonwealth Casualty$124$301
Allstate$131$168
Travelers$132$170
The Hartford$140$179
Liberty Mutual$145$191
American Family$151$194
Farmers$155$199
COUNTRY Financial$157$202
Nationwide$166$213
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

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 $207 monthly for liability-only coverage and $337 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: Wednesday, July 30 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Mile Auto$132$226
Auto-Owners$158$206
National General$180$425
Dairyland$181$506
Sun Coast$194$337
Mercury$197$330
The General$199$411
State Farm$204$259
Progressive$207$347
Root$208$303
Bristol West$213$414
USAA$219$282
Safeco$237$338
Direct Auto$238$486
Clearcover$254$365
GEICO$255$305
GAINSCO$272$611
AssuranceAmerica$302$567
Commonwealth Casualty$311$758
COUNTRY Financial$326$419
Liberty Mutual$345$456
Allstate$347$446
Travelers$363$467
American Family$388$498
Farmers$411$528
Nationwide$467$597
The Hartford$482$617
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare Auto Insurance in Scottsdale

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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
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Casa Grande$151$84
Flagstaff$128$75
Mesa$163$103
Phoenix$202$120
Tempe$180$108
Tucson$148$90
Yuma$131$78
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $158 per month for full coverage and $97 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 Mile Auto is currently the cheapest. Its liability-only policies start as low as $103 per month with a good driving record. Auto-Owners and State Farm are the second- and third-cheapest insurers in Scottsdale, with monthly liability rates averaging $104 and $127, 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 500+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Arizona Department of Transportation. "Arizona Motor Vehicle Crash Facts 2022."
  2. Arizona Department of Transportation. "Vehicle Insurance Information."
  3. Scottsdale City Court. "Scottsdale City Court Bond Card."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. III. "Senior driving safety and insurance tips."
  6. Arizona Department of Insurance. "Consumer Guide: How Insurance Companies Use Credit Information."
  7. III. "What determines the price of an auto insurance policy?."
Anna Baluch
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.

Anna has been a contributor at Insurify since December 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.

Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

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