Cheap Auto Insurance in Scottsdale, Arizona (2024)

Auto-Owners offers the cheapest car insurance in Scottsdale, with minimum-coverage policies as low as $47 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
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  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Updated June 20, 2024

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Cheapest recent rates near Scottsdale, Arizona

Recent Scottsdale, Arizona car insurance prices for Ford, KIA, Mazda , and more.

*Quotes generated for Insurify users in and around Scottsdale, Arizona within the last 10 days. Last updated on June 20, 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 June 20, 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 June 20, 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 June 20, 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 $189 per month for full coverage and $100 for liability-only policies. Those averages are close to Arizona's state-level averages of $193 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners8.5$80$48Liability-only coverage
Mile Auto7.5$84$51Low-mileage drivers
USAA9.4$111$66Military 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-5 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
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++
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.
$47/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.
$78/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

  • Won’t file an SR-22 on your behalf

Read our Auto-Owners review
Thomas - June 18, 2024
Verified

Pleased

I'm very pleased, but it got too expensive.

Phyllis - June 17, 2024
Verified

Interested in Changing

They are very difficult to contact with problems and questions.

Kenneth - June 17, 2024
Verified

Excellent

I would renew with them, but they are leaving Florida.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
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
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.
$52/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.
$83/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.

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
856
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.
$108/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.

Pros
  • SafePilot usage-based insurance program available

  • Easy-to-use mobile app

Cons
  • Gap insurance not available

  • Only for military members and their families

Read our USAA review
Claude - June 20, 2024
Verified

Excellent

Outstanding all the time.

Christie - June 18, 2024
Verified

Ok

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

John - June 18, 2024
Verified

USAA is tough to beat

I have yet to receive a quote that beats USAA!

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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$47
Mile Auto$52
State Farm$59
GEICO$60
Root$64
USAA$66
Sun Coast$77
Metromile$78
Safeco$78
National General$81
Midvale Home & Auto$89
Allstate$98
Mercury$100
Progressive$100
Travelers$101
Direct Auto$102
Hallmark$108
Dairyland$110
COUNTRY Financial$114
American Family$115
The Hartford$118
Farmers$119
GAINSCO$120
The General$122
Nationwide$133
Infinity$136
Liberty Mutual$136
Bristol West$144
AssuranceAmerica$150
Commonwealth Casualty$170
Foremost$213
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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$78
Mile Auto$83
State Farm$96
GEICO$99
Root$105
USAA$108
Safeco$127
Metromile$128
Midvale Home & Auto$141
Allstate$160
Sun Coast$161
Mercury$165
Travelers$166
Progressive$176
COUNTRY Financial$187
Infinity$187
National General$187
American Family$189
Nationwide$194
The Hartford$194
Farmers$195
State Auto$202
Direct Auto$217
Liberty Mutual$232
AssuranceAmerica$238
Hallmark$250
Dairyland$262
The General$267
GAINSCO$271
Bristol West$272
Foremost$363
Commonwealth Casualty$397
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 Toyota, Volkswagen, Jeep , and more.

*Quotes generated for Insurify users in and around Scottsdale, Arizona within the last 10 days. Last updated on June 20, 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 June 20, 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 June 20, 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 June 20, 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]

CoverageMinimum 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:

  • 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? (2024)

How Much Car Insurance Do You Need? (2024)

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: 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 $273 for full coverage and $144 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
Auto-Owners$47$62
Mile Auto$52$72
State Farm$59$76
GEICO$60$78
Root$64$89
USAA$66$86
Sun Coast$77$111
Metromile$78$107
Safeco$78$104
National General$81$105
Midvale Home & Auto$89$121
Allstate$98$128
Mercury$100$140
Progressive$100$131
Travelers$101$133
Direct Auto$102$134
Hallmark$108$141
Dairyland$110$144
COUNTRY Financial$114$152
American Family$115$150
The Hartford$118$169
Farmers$119$154
GAINSCO$120$172
The General$122$161
Nationwide$133$175
Infinity$136$185
Liberty Mutual$136$195
Bristol West$144$187
AssuranceAmerica$150$199
Commonwealth Casualty$170$244
Foremost$213$306
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 $274 for full coverage and $145 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
Auto-Owners$47$63
Mile Auto$52$76
State Farm$59$79
GEICO$60$81
Root$64$92
USAA$66$89
Sun Coast$77$112
Metromile$78$110
Safeco$78$102
National General$81$110
Midvale Home & Auto$89$127
Allstate$98$132
Mercury$100$143
Progressive$100$137
Travelers$101$137
Direct Auto$102$140
Hallmark$108$141
Dairyland$110$148
COUNTRY Financial$114$159
American Family$115$154
The Hartford$118$174
Farmers$119$159
GAINSCO$120$156
The General$122$168
Nationwide$133$181
Infinity$136$181
Liberty Mutual$136$200
Bristol West$144$192
AssuranceAmerica$150$202
Commonwealth Casualty$170$225
Foremost$213$313
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: Auto-Owners

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 $165 for liability-only coverage and $312 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
Auto-Owners$47$78
Mile Auto$52$78
State Farm$59$98
GEICO$60$100
Root$64$107
USAA$66$110
Sun Coast$77$127
Metromile$78$130
Safeco$78$130
National General$81$135
Midvale Home & Auto$89$149
Allstate$98$164
Mercury$100$151
Progressive$100$167
Travelers$101$169
Direct Auto$102$170
Hallmark$108$180
Dairyland$110$184
COUNTRY Financial$114$190
American Family$115$192
The Hartford$118$176
Farmers$119$199
GAINSCO$120$200
The General$122$204
Nationwide$133$222
Infinity$136$227
Liberty Mutual$136$227
Bristol West$144$240
AssuranceAmerica$150$250
Commonwealth Casualty$170$284
Foremost$213$356
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 $134 per month for full coverage and $71 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$34$57
Mile Auto$36$58
State Farm$42$69
GEICO$44$73
Root$49$80
USAA$49$80
Sun Coast$55$114
Metromile$57$94
National General$59$136
Safeco$59$96
Midvale Home & Auto$63$100
Progressive$66$116
Mercury$70$115
Allstate$73$119
Direct Auto$73$155
Travelers$73$121
Hallmark$76$176
The Hartford$76$125
Dairyland$82$194
American Family$83$136
COUNTRY Financial$83$137
Farmers$86$141
GAINSCO$92$208
Nationwide$92$134
The General$92$202
Infinity$95$130
Liberty Mutual$101$172
AssuranceAmerica$105$166
Bristol West$107$202
Commonwealth Casualty$125$292
Foremost$154$263
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 $196 monthly for liability-only coverage and $370 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$85$140
GEICO$99$164
Root$103$169
Mile Auto$105$168
State Farm$105$171
USAA$115$188
Metromile$137$225
Sun Coast$151$316
Midvale Home & Auto$161$255
National General$162$373
Safeco$168$274
COUNTRY Financial$177$290
Allstate$180$294
Progressive$189$332
Mercury$190$313
Travelers$190$313
Dairyland$193$459
Direct Auto$194$413
Hallmark$200$464
The General$207$454
American Family$211$346
Farmers$219$359
GAINSCO$223$504
The Hartford$236$389
Nationwide$239$348
Bristol West$257$485
Infinity$261$359
Liberty Mutual$262$447
AssuranceAmerica$291$461
Commonwealth Casualty$314$734
Foremost$396$674
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

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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.

CityFull CoverageLiability Only
Casa Grande$163$87
Flagstaff$148$71
Mesa$199$102
Phoenix$230$117
Tempe$207$107
Tucson$177$90
Yuma$146$80
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 $189 per month for full coverage and $100 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 $78 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 $83 and $96, 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.

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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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.

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