Who Has Affordable Car Insurance for Nurses in Scottsdale?

The type of vehicle that needs insurance is a significant factor when looking for the most affordable insurance for nurses. Vehicles with lower performance, a great safety record, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models.

The table below showcases coverage premiums for a number of the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Scottsdale, AZ
Insured Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,382
Honda CR-V LX 2WD $1,388
Ford Explorer Eddie Bauer 2WD $1,550
Ford F-150 STX Regular Cab 4WD $1,557
Chevrolet Impala LS $1,603
Honda Civic EX 4-Dr Sedan $1,688
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,694
Honda Accord EX-L 4-Dr Sedan $1,715
Honda Odyssey EX-L $1,720
Toyota Corolla LE $1,726
Ford Edge Limited AWD $1,720
Toyota Camry SE $1,728
Ford Escape Limited 2WD $1,737
Toyota Prius $1,750
GMC Sierra SLE Regular Cab 4WD $1,759
Hyundai Sonata GLS 4-Dr Sedan $1,755
Dodge Ram Quad Cab ST 4WD $1,785
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can revise prices noticeably.

Based upon these rates, you can expect vehicles like the Hyundai Elantra, Honda CR-V, and Ford Explorer will be some of the most budget-friendly vehicles to insure for health professionals.

Deciding which companies offer the cheapest auto insurance rates for nurses requires a tad more effort than just comparing rates from one or two companies. Each auto insurer uses their own calculation to determine premium rates, so let’s look at the rankings for the auto insurance companies with the overall best prices in Scottsdale.

It’s a good idea to know that Scottsdale, AZ auto insurance rates are determined by lots of factors that will increase or decrease the cost of a policy. Simply having a birthday, increasing liability limits, or getting a DUI can cause premium changes resulting in some companies being cheaper than before.

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The Hartford generally has some of the cheapest car insurance rates in Scottsdale at around $820 annually. This is $608 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers also rank well as some of the cheaper Scottsdale, AZ insurance companies.

In the rate table above, if you currently buy coverage from Safeco and switched to The Hartford, you could earn an annual premium reduction of around $76. Policyholders with Auto-Owners may save as much as $104 a year, and USAA policyholders might lower prices by $260 a year.

To see if your current coverage is too expensive, click here or visit any of the companies below.

It’s important to note that these rates are averaged across all types of insureds and vehicles and and are not figured with a specific zip code for nurses. So the insurer that has the lowest price for you may not even be in the list above. That illustrates why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

For health professionals, one of the more important components that aid in calculating the amount you pay for auto insurance is the neighborhood you call home in Scottsdale. Cities with more crime and/or more people will most likely have higher rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.

The following table sorts the highest-priced places in Arizona for nurses in which to purchase auto insurance. Scottsdale is listed at #4 with a yearly cost of $1,163 for the average policy, which is around $97 per month.

How much is car insurance in Scottsdale?
Rank City Average Per Year
1 Phoenix $1,231
2 Glendale $1,214
3 Avondale $1,186
4 Scottsdale $1,163
5 San Tan Valley $1,161
6 Gilbert $1,154
7 Mesa $1,147
8 Peoria $1,126
9 Chandler $1,115
10 Buckeye $1,110
11 Tempe $1,106
12 Tucson $1,094
13 Surprise $1,090
14 Goodyear $1,087
15 Casas Adobes $1,082
16 Maricopa $1,074
17 Catalina Foothills $1,072
18 Casa Grande $1,047
19 Oro Valley $1,020
20 Yuma $992
21 Flagstaff $941
22 Prescott $924
23 Sierra Vista $899
24 Lake Havasu City $870
25 Bullhead City $869
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Rate quotes are estimated as the specific area where the vehicle is garaged can impact premiums significantly.

Selecting the top company can be rather challenging considering how many companies sell insurance in Scottsdale. The information displayed below can help you choose which coverage providers to look at buying from. These ratings are only made up of large insurance companies, so companies that only write business in Arizona or surrounding areas are not included in the list.

Top 10 Large Auto Insurers in Scottsdale Ranked by Customer Service

  1. State Farm
  2. GEICO
  3. The Hartford
  4. Mercury Insurance
  5. Progressive
  6. The General
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

Liability only or full coverage

Lowering the price of auto insurance is the goal of the majority of drivers, and one of the fastest ways to pay lower rates for insurance for nurses is to buy liability only. The example below shows the comparison of auto insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.

On average, physical damage insurance costs an extra $1,681 per year over having just liability coverage. Many people question if you should buy full coverage at all. There is no exact formula to stop paying for physical damage coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your vehicle’s replacement value is $12,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $11,000 after paying the physical damage deductible. If you are paying over $1,100 a year for full coverage, then you might want to consider buying only liability coverage.

Who has the cheapest Scottsdale car insurance?

Scottsdale auto insurance rates are calculated based on many things that may substantially change the price you pay. Turning one year older, having a claim, or getting a couple of tickets may prompt premium changes that can cause some rates to be cheaper than competitors.

Not only that, but insurance companies change prices as often as every three months to adjust for gains or losses. Significantly higher losses may cause higher rates, while a better loss history can produce cheaper Scottsdale car insurance rates.

The data below shows the company with the cheapest car insurance in Scottsdale, AZ for a 45-year-old female driver with no prior accidents, a clean driving record, and good credit. If we estimate rates based on her personal risk profile, The Hartford quotes the most affordable car insurance rates in Scottsdale at $1,082 per year. This is $346 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also make the list of the top five cheapest Scottsdale, AZ auto insurance companies.

In this example, we will give the driver from the first example an accident claim, poor credit, and a blemish on her driving record. Since every car insurance company has a proprietary method for setting rates, getting updated rate quotes could result in a substantially altered list of affordable Scottsdale car insurance companies as shown below.

GEICO now has the cheapest car insurance in Scottsdale, AZ with Ameriprise Group, Allied, Auto-Owners, and CSAA now rounding out the top five. This example illustrates why it is important to perform an extensive rate comparison to get the most affordable car insurance rates for nurses. Prices are made up of many different factors and change dramatically, so the lowest-price company six months ago may now be quite expensive.