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.
Save up to $852 by comparing quotes from the top 100+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Cheapest recent rates near Scottsdale, Arizona
Recent Scottsdale, Arizona car insurance prices for Alfa Romeo , and more.
*Quotes generated for Insurify users in and around Scottsdale, Arizona within the last 10 days. Last updated on July 25, 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 July 25, 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 July 25, 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 July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $186 per month for full coverage and $99 for liability-only policies. Those averages are close to Arizona's state-level averages of $191 and $93, 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
$81
$48
Liability-only coverage
Mile Auto
7.5
$84
$51
Low-mileage drivers
USAA
9.4
$112
$66
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
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.
$48/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.
$82/mo
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
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.
$51/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.
$85/mo
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.
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.
$66/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.
$113/mo
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.
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
…
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$48
Mile Auto
$51
State Farm
$59
GEICO
$61
Root
$64
USAA
$66
Sun Coast
$78
Metromile
$80
National General
$81
Midvale Home & Auto
$88
Safeco
$90
Allstate
$99
Progressive
$101
Direct Auto
$102
Travelers
$103
Mercury
$104
Hallmark
$110
Dairyland
$111
COUNTRY Financial
$116
American Family
$117
The Hartford
$120
Farmers
$121
The General
$122
GAINSCO
$124
Nationwide
$135
Bristol West
$140
Infinity
$141
Liberty Mutual
$146
AssuranceAmerica
$155
Commonwealth Casualty
$170
Foremost
$217
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$82
Mile Auto
$85
State Farm
$101
GEICO
$104
Root
$110
USAA
$113
Metromile
$135
Safeco
$139
Midvale Home & Auto
$143
Sun Coast
$162
Allstate
$168
Travelers
$174
Progressive
$177
Mercury
$179
National General
$189
Infinity
$193
State Auto
$194
COUNTRY Financial
$197
American Family
$198
The Hartford
$203
Farmers
$205
Nationwide
$210
Direct Auto
$226
Liberty Mutual
$246
AssuranceAmerica
$251
Hallmark
$257
Dairyland
$264
Bristol West
$270
The General
$271
GAINSCO
$284
Foremost
$374
Commonwealth Casualty
$400
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
Recent Scottsdale, Arizona car insurance prices for Alfa Romeo , and more.
*Quotes generated for Insurify users in and around Scottsdale, Arizona within the last 10 days. Last updated on July 25, 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 July 25, 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 July 25, 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 July 25, 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
$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:
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.
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
Insurify partners with 100+ top auto insurers in Arizona to provide free quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $266 for full coverage and $142 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Record
With Ticket
Auto-Owners
$48
$63
Mile Auto
$51
$70
State Farm
$59
$76
GEICO
$61
$80
Root
$64
$89
USAA
$66
$86
Sun Coast
$78
$112
Metromile
$80
$109
National General
$81
$105
Midvale Home & Auto
$88
$119
Safeco
$90
$119
Allstate
$99
$129
Progressive
$101
$132
Direct Auto
$102
$133
Travelers
$103
$135
Mercury
$104
$145
Hallmark
$110
$143
Dairyland
$111
$145
COUNTRY Financial
$116
$154
American Family
$117
$152
The Hartford
$120
$172
Farmers
$121
$157
The General
$122
$161
GAINSCO
$124
$177
Nationwide
$135
$177
Bristol West
$140
$181
Infinity
$141
$191
Liberty Mutual
$146
$208
AssuranceAmerica
$155
$205
Commonwealth Casualty
$170
$243
Foremost
$217
$310
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 $270 for full coverage and $144 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Record
With Accident
Auto-Owners
$48
$65
Mile Auto
$51
$74
State Farm
$59
$79
GEICO
$61
$83
Root
$64
$92
USAA
$66
$89
Sun Coast
$78
$113
Metromile
$80
$113
National General
$81
$110
Midvale Home & Auto
$88
$126
Safeco
$90
$118
Allstate
$99
$134
Progressive
$101
$138
Direct Auto
$102
$141
Travelers
$103
$140
Mercury
$104
$149
Hallmark
$110
$143
Dairyland
$111
$149
COUNTRY Financial
$116
$162
American Family
$117
$157
The Hartford
$120
$178
Farmers
$121
$162
The General
$122
$168
GAINSCO
$124
$161
Nationwide
$135
$184
Bristol West
$140
$187
Infinity
$141
$188
Liberty Mutual
$146
$215
AssuranceAmerica
$155
$209
Commonwealth Casualty
$170
$225
Foremost
$217
$319
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: 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 $164 for liability-only coverage and $307 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Record
With DUI
Auto-Owners
$48
$80
Mile Auto
$51
$76
State Farm
$59
$98
GEICO
$61
$102
Root
$64
$107
USAA
$66
$110
Sun Coast
$78
$129
Metromile
$80
$133
National General
$81
$135
Midvale Home & Auto
$88
$147
Safeco
$90
$150
Allstate
$99
$165
Progressive
$101
$169
Direct Auto
$102
$170
Travelers
$103
$172
Mercury
$104
$156
Hallmark
$110
$184
Dairyland
$111
$185
COUNTRY Financial
$116
$194
American Family
$117
$195
The Hartford
$120
$179
Farmers
$121
$202
The General
$122
$204
GAINSCO
$124
$207
Nationwide
$135
$225
Bristol West
$140
$234
Infinity
$141
$235
Liberty Mutual
$146
$244
AssuranceAmerica
$155
$259
Commonwealth Casualty
$170
$284
Foremost
$217
$362
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 $132 per month for full coverage and $70 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
$35
$60
Mile Auto
$36
$59
State Farm
$42
$73
GEICO
$45
$77
Root
$49
$84
USAA
$49
$84
Sun Coast
$55
$115
Metromile
$59
$100
National General
$59
$137
Midvale Home & Auto
$62
$101
Progressive
$67
$117
Safeco
$68
$105
Direct Auto
$73
$162
Mercury
$73
$126
Allstate
$74
$125
Travelers
$75
$126
The Hartford
$77
$131
Hallmark
$78
$181
Dairyland
$82
$195
American Family
$84
$143
COUNTRY Financial
$85
$144
Farmers
$87
$148
The General
$92
$205
Nationwide
$93
$145
GAINSCO
$95
$218
Infinity
$98
$134
Bristol West
$104
$200
AssuranceAmerica
$108
$175
Liberty Mutual
$109
$184
Commonwealth Casualty
$125
$294
Foremost
$157
$271
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 $195 monthly for liability-only coverage and $365 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
$86
$148
GEICO
$102
$173
Mile Auto
$103
$172
Root
$103
$178
State Farm
$105
$180
USAA
$116
$198
Metromile
$141
$238
Sun Coast
$153
$318
Midvale Home & Auto
$159
$259
National General
$163
$381
COUNTRY Financial
$180
$307
Allstate
$182
$309
Progressive
$191
$334
Safeco
$194
$300
Travelers
$194
$329
Dairyland
$195
$463
Direct Auto
$195
$431
Mercury
$198
$341
Hallmark
$204
$477
The General
$208
$461
American Family
$215
$363
Farmers
$223
$379
GAINSCO
$231
$528
The Hartford
$241
$408
Nationwide
$243
$378
Bristol West
$250
$483
Infinity
$271
$371
Liberty Mutual
$281
$473
AssuranceAmerica
$301
$488
Commonwealth Casualty
$315
$741
Foremost
$404
$696
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.
Compare Auto Insurance in Scottsdale
Insurify partners with 100+ top auto insurers in Arizona to provide free quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
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 $186 per month for full coverage and $99 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 $82 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 $85 and $101, 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
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.
III. "What determines the price of an auto insurance policy?."
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.
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.
)
)
){kind=small}
){kind=small}
){kind=small}
)
)
){kind=small}
){kind=small}
Auto-Owners
Mile Auto
USAA
)
)
)
)
)
)
)
)