Finding reliable, low-cost auto insurance is not easy, and figuring out which insurers offer the cheapest auto insurance rates in Scottsdale involves even more perseverance. Each insurance company uses a different method for determining prices, so let’s take a look at the most budget-friendly auto insurance companies in Scottsdale, AZ.
It’s important that readers know that Arizona auto insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay for coverage. Improving your credit score, increasing liability limits, or getting a DUI can produce rate changes that can cause some rates to be much higher than others.
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $932 |
| 4 | USAA | $1,113 |
| 5 | Travelers | $1,119 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,166 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,233 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,285 |
| 13 | Unitrin | $1,357 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,433 |
| 17 | Amica | $1,443 |
| 18 | American Family | $1,463 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,521 |
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The Hartford generally has some of the best car insurance rates in Scottsdale at around $820 a year. Auto-Owners, Safeco, USAA, and Travelers also qualify as some of the cheaper Scottsdale, AZ car insurance companies.
As shown in the rates above, if you are a policyholder with USAA and switched to Auto-Owners, you might realize savings of approximately $198. Drivers with Travelers could save as much as $204 a year, and Progressive customers might realize rate reductions of up to $215 a year.
Bear in mind that those policy prices are averages across all insureds and vehicles and do not factor in an exact location in Scottsdale. So the company that fits you best may not even be in the list above. That emphasizes why you need to get quotes using your own specific driver and vehicle information.
For drivers in Scottsdale, one of the big factors that aid in calculating the cost of insurance is where you live in Scottsdale. Areas with more people or more claims tend to pay more, whereas areas with less congestion benefit from lower rates.
The following table lists the priciest cities in Arizona in which to purchase auto insurance. Scottsdale shows up at #5 with the annual price of $1,151 for the average insurance policy, which is about $96 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,210 |
| 4 | San Tan Valley | $1,161 |
| 5 | Scottsdale | $1,151 |
| 6 | Tempe | $1,140 |
| 7 | Mesa | $1,125 |
| 8 | Buckeye | $1,122 |
| 9 | Gilbert | $1,120 |
| 10 | Goodyear | $1,098 |
| 11 | Peoria | $1,093 |
| 12 | Maricopa | $1,085 |
| 13 | Chandler | $1,082 |
| 14 | Tucson | $1,072 |
| 15 | Casas Adobes | $1,072 |
| 16 | Surprise | $1,058 |
| 17 | Casa Grande | $1,057 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $992 |
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Information shown are estimated as specific Scottsdale garaging address can influence price quotes greatly.
The car, truck, or SUV that is being insured is a large factor in finding the cheapest car insurance in Scottsdale. Vehicles with limited top-end speed, good safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The list below shows car insurance premiums for some of the cheaper automobiles to insure in Arizona.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 XL Super Cab 2WD | $1,407 |
| Toyota Prius | $1,415 |
| Ford Explorer XLT 4WD | $1,435 |
| Toyota Tacoma 4WD | $1,442 |
| Ford Escape XLT 2WD | $1,466 |
| Hyundai Elantra GLS Touring Station Wagon | $1,476 |
| Ford Edge Limited 2WD | $1,484 |
| Honda CR-V EX-L 2WD | $1,497 |
| Dodge Grand Caravan Hero | $1,512 |
| Toyota RAV4 4WD | $1,520 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,541 |
| Chevrolet Impala LTZ | $1,592 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,620 |
| Honda Civic SI 4-Dr Sedan | $1,672 |
| Honda Odyssey EX W/Rear Entertainment | $1,708 |
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in garaging location in Scottsdale, AZ which can influence premium rates considerably.
Based on these rates, you can presume that models like the Ford F-150, Toyota Prius, Ford Explorer, and Toyota Tacoma should be some of the most affordable vehicles to insure for drivers in Scottsdale.
The diagram below illustrates how choosing a deductible can affect premium costs when quoting cheap insurance in Scottsdale. Data assumes a married female driver, full coverage, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could pocket $206 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $310 by changing to a $1,000 deductible. Young drivers, like the 20-year-old example, could reduce their rates $508 or even more just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it will be important to have emergency funds available to allow you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Impact of violations and accidents on rates
The recommended way to snag good car insurance premiums for drivers in Scottsdale is to drive safely and avoid tickets and accidents. The chart below shows how speeding tickets and accidents can drive up premium costs for different ages of insureds. The rates are based on a married female driver, full coverage, $500 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,447. Get written up for one speeding ticket and the average cost rises to $1,689, an increase of $242 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of car insurance in Scottsdale increases to an average of $3,869. That’s an increase of $2,421, or $202 per month, just for being a little careless behind the wheel!
The agents shown below are a good start to aid you in deciding which coverages are best, since lots of drivers aren’t clear which coverage they need and would like to have a consultation when shopping around for cheaper insurance for drivers in Scottsdale. It can be complicated to find the best rates on your own, so insurance agents can provide comfort knowing your coverage gives you sufficient coverage at claim time. To find an agent in your neighborhood, click the link after the list.
- Manny Birch – State Farm Insurance Agent
7297 N Scottsdale Rd Ste 1001 – Scottsdale, AZ 85253 – (602) 279-4383 - Arizona Insurance Services
7950 E Acoma Dr # 205 – Scottsdale, AZ 85260 – (480) 778-9700 - Arizona Western Insurance Services
13951 N Scottsdale Rd # 234 – Scottsdale, AZ 85254 – (480) 483-3311 - Scott Knudten – State Farm Insurance Agent
14702 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 948-8771
View more Scottsdale, AZ insurance agents
How to find cheaper car insurance in Scottsdale
The list below details some penny-pinching suggestions that can help Scottsdale drivers quote low-cost car insurance.
- Bundle home or renters insurance to earn a discount on car insurance
- Avoid accidents
- If possible, pay for small claims out-of-pocket
- Safe vehicles cost less to insure
- Do not insure for full coverage
- Violations like speeding or DUI increase rates
- Check for cheaper rates once a year
The last tip is notably necessary, as we stressed in this write-up. Prices charged by companies can change significantly in a year, so don’t be tentative to buy from a different company if a cheaper rate is available. Sticking with a specific company is fine, but it isn’t a good idea if that loyalty results in overpaying money that could be used for better things. It only takes a couple minutes to compare rates to find cheaper car insurance in Scottsdale in Scottsdale.