Buy Cheap Scottsdale, AZ Auto Insurance

GEICO is the cheapest auto insurance company in Scottsdale, Arizona. Drivers in Scottsdale can pay at least $196/mo for auto insurance, but Scottsdale, AZ auto insurance rates vary for each person. While factors differ for each driver, you can secure cheap Scottsdale, AZ car insurance quotes by shopping around online for the best rates.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • Scottsdale, AZ auto insurance rates are more expensive the Arizona, and the national average
  • The cheapest auto insurance company in Scottsdale, AZ is GEICO
  • You can receive car insurance discounts by maintaining a clean driving record and a good credit score

The average auto insurance rates in Scottsdale, AZ are $4,187.96 per year or $348.99 per month. When compared to Arizona’s average, Scottsdale’s average is $416.99 more expensive, and it’s $256.39 more than the national average.

However, the right circumstances can lower Scottsdale, AZ car insurance quotes. It all depends on the company and various factors that determine auto insurance.

We’re here to help. Our guide explains how to secure cheap Scottsdale, AZ auto insurance coverages for every age, credit history, and driving record.

Ready to find affordable Scottsdale, AZ auto insurance? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Scottsdale, AZ?

The cheapest auto insurance company in Scottsdale, AZ is GEICO followed by Travelers and USAA. If you’re not in the military or not part of an immediate military family, you can’t get a policy with USAA.

However, you can find a company with a reasonable price. Here are the top auto insurance companies in Scottsdale, AZ ranked from cheapest to most expensive:

  • GEICO – $2,347.23
  • Travelers – $3,482.60
  • USAA – $3,663.57
  • Progressive – $3,805.18
  • Nationwide – $3,831.34
  • American Family – $4,392.19
  • State Farm – $5,299.22
  • Allstate – $5,371.35
  • Farmers – $5,498.96

GEICO, Travelers, USAA, Progressive, and Nationwide are the only companies in Scottsdale that provide cheaper than average auto insurance rates.

Once you qualify for discounts, you can lower your monthly premiums. Before you can get a discount, your auto insurance provider must look at a few factors that determine car insurance costs.

Some of the main contributors that determine car insurance rates are age, gender, marital status, driving record, and credit history.

The most significant factor is your driving record. Some companies will give you up to 40 percent off if you have a clean driving record.

In addition to no traffic violations or accidents, an excellent credit score can bring down steep costs even more.

What’s the cheapest neighborhood in Scottsdale? The cheapest ZIP code in Scottsdale, AZ is 85262, and its average monthly auto insurance costs $325 per month.

Drivers under 25 years old would see car insurance rates between $8,000 and $9,600. Meanwhile, drivers who are 25 and older pay between $2,350 and $3,100.

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What are the minimum auto insurance coverage requirements in Scottsdale, AZ?

All drivers must have the minimum Arizona auto insurance requirements, which are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $15,000 per incident for property damage

Some auto insurance agents may recommend uninsured/underinsured motorist coverage to cover the gaps in car insurance.

What affects auto insurance rates in Scottsdale, AZ?

Did you know traffic congestion and vehicle theft can affect your auto insurance quote?

According to Numbeo, the average commute to work in Scottsdale, AZ is 24 minutes. During rush hour traffic, you could be in traffic for up to two hours. The more you drive, the higher your chances of getting into an accident.

But why does car theft determine auto insurance rates? Vehicle theft in an area can determine car insurance rates because comprehensive insurance covers vehicle theft and other incidents not related to a collision.

The FBI annual statistics reported that Scottsdale had 264 auto thefts in 2019. Compared to Arizona’s bigger cities, this is relatively low.

Scottsdale, AZ Auto Insurance: The Bottom Line

Scottsdale’s average may be more expensive, but the right company can produce cheaper car insurance rates. Maintain a clean driving record and manage your credit score to earn discounts.

Don’t forget to shop around. Getting a quote doesn’t mean you have to buy car insurance with a company.

Before you buy car insurance in Scottsdale, AZ, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Scottsdale, AZ auto insurance quotes.

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Frequently Asked Questions: Scottsdale, AZ Auto Insurance

If you still have auto insurance questions about Scottsdale, AZ, check out the answers below.

#1 – Is Scottsdale, AZ auto insurance rates cheaper than Phoenix?

The short answer is no. Phoenix, AZ auto insurance is about $700 more per year.

#2 – Can safety features save money on Scottdale, AZ auto insurance?

Yes. Safety features and anti-theft features on your vehicle can save you up ten percent on auto insurance.

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