One of the more important factors that help determine auto insurance rates is where you keep your vehicle in Scottsdale. Areas with more people or higher crime rates will most likely have higher rates, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.
The next table lists the highest-priced areas in Arizona after a speeding ticket to buy an auto insurance policy in. Scottsdale is listed at #7 with an annual rate of $1,151 for coverage, which is around $96 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,174 |
| 4 | San Tan Valley | $1,161 |
| 5 | Gilbert | $1,154 |
| 6 | Tempe | $1,152 |
| 7 | Scottsdale | $1,151 |
| 8 | Buckeye | $1,144 |
| 9 | Goodyear | $1,131 |
| 10 | Mesa | $1,125 |
| 11 | Peoria | $1,093 |
| 12 | Chandler | $1,082 |
| 13 | Maricopa | $1,074 |
| 14 | Tucson | $1,072 |
| 15 | Surprise | $1,058 |
| 16 | Casa Grande | $1,047 |
| 17 | Casas Adobes | $1,040 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Flagstaff | $969 |
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Premium amounts are estimated as specific Scottsdale garaging address can increase or decrease insurance rates noticeably.
The vehicle requiring coverage is probably the largest consideration when shopping around for the cheapest insurance after a speeding ticket. Vehicles with limited speed and performance, modern passenger safety features, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models.
The data below shows car insurance prices for a handful of the most affordable vehicles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $2,133 |
| Ford Explorer XLT 2WD | $2,186 |
| Ford Escape Limited 2WD | $2,188 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,299 |
| Chevrolet Silverado LS Extended Cab 4WD | $2,315 |
| Chevrolet Malibu LS | $2,321 |
| Toyota Prius | $2,320 |
| Ford F-150 XL Regular Cab 4WD | $2,334 |
| Dodge Grand Caravan SXT | $2,357 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $2,471 |
| Chevrolet Equinox LS AWD | $2,474 |
| Nissan Rogue S 2WD | $2,479 |
| Honda Odyssey Touring | $2,487 |
| Toyota Tacoma Double Cab 4WD | $2,521 |
| Toyota RAV4 4WD | $2,527 |
| Ford F-350 XLT Crew Cab Lariat 2WD | $2,574 |
| Honda Civic SI 4-Dr Sedan | $2,584 |
| Hyundai Sonata SE 4-Dr Sedan | $2,608 |
| Honda Accord EX 2-Dr Coupe | $2,613 |
| Chevrolet Impala LTZ | $2,611 |
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Data rating is based on single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific garaging location which can increase or decrease coverage prices greatly.
Looking at the rates, you can presume that vehicles like the Honda CR-V, Ford Explorer, and Ford Escape should be the cheapest vehicles to insure after a few driving violations.
Finding budget insurance is not the easiest thing to do, and deciding which company quotes the lowest-priced insurance rates after a speeding ticket requires additional perseverance. Every car insurance company uses slightly different criteria to establish rates, so let’s begin by examining the most budget-friendly insurance companies in Scottsdale, AZ.
It’s important that readers know that Arizona insurance rates are impacted by many factors that control the price of coverage. This price variation is why Scottsdale drivers need to compare lots of rates to get the lowest car insurance rates after a speeding ticket. Insurance prices are made up of many different factors and can increase or decrease at any time, so the most economical option a year ago may now be one of the more expensive options.
Cheap Insurance Rates with Licence Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $924 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,075 |
| 5 | Progressive | $1,118 |
| 6 | USAA | $1,124 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,184 |
| 9 | Allied | $1,209 |
| 10 | CSAA | $1,225 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,323 |
| 13 | Unitrin | $1,343 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,461 |
| 17 | American Family | $1,463 |
| 18 | Amica | $1,487 |
| 19 | California Casualty | $1,522 |
| 20 | Safeway | $1,554 |
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The Hartford quotes some of the cheapest car insurance rates in Scottsdale at around $811 a year. This is $617 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive also qualify as some of the cheaper Scottsdale, AZ auto insurance companies.
In the above rates, if you are insured with Auto-Owners and switched to The Hartford, you may realize an annual premium reduction of about $113. Customers with Safeco could save as much as $121 a year, and Travelers customers might see rate reductions of $264 a year.
To get a quick, customized rate comparison, click here to start a quote or click through to the companies below.
Be aware that those policy prices are averaged across all ages of drivers and types of vehicles and and are not figured with an exact zip code location after a speeding ticket. So the company that has the cheapest price for you may not even be in the list above. That is why you need to compare as many prices as possible using your own specific driver information and vehicle.
Full coverage or liability only
Saving money on insurance is important to the majority of vehicle owners, and one good way to reduce the cost of insurance after a speeding ticket is to not buy comprehensive and collision coverage. The example below shows the difference between insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no discounts are applied to the premium.
Averaged out for all age groups, full coverage on your policy costs $1,551 per year over liability only. That amount may make you wonder if paying for full coverage is a waste of money. There is no exact formula for excluding physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
There are some cases where only buying liability is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
What is the best insurance company in Scottsdale?
Picking the highest-rated auto insurance provider can be rather challenging considering how many companies there are in Arizona. The company rank data displayed below can help you pick which coverage providers to look at comparing rates with. The ratings below include large, nationwide insurance companies, so companies that may only write in Arizona are not included in these rankings.
Top 10 Large Auto Insurers in Scottsdale Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Top 10 Large Auto Insurers Overall in Scottsdale
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Types of discounts on Scottsdale insurance rates
Insurers that provide policies after a speeding ticket may also give you policy discounts that could potentially reduce rates by 25% or more if you meet specific eligibility requirements. The best insurance companies and some of their more popular discounts are:
- AAA has discounts for good student, AAA membership discount, multi-policy, good driver, and education and occupation.
- Progressive may include discounts for continuous coverage, good student, multi-vehicle, homeowner, and multi-policy.
- State Farm offers discounts including good student, passive restraint, anti-theft, accident-free, student away at school, Steer Clear safe driver discount, and defensive driving training.
- Esurance has savings for online quote, good student, emergency road assistance, Switch & Save, multi-car, homeowner, and good driver.
- Nationwide offers discounts for good student, family plan, easy pay, accident-free, multi-policy, anti-theft, and defensive driving.
The illustration below shows the difference between annual premium costs with and without some available policy discounts. The prices are based on a female driver, two traffic citations and no accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, marriage, paperless filing, multiple policy, continuous coverage, and homeowner discounts applied. When discounts are factored in, theaverage amount saved on insurance after a speeding ticket is 28% or $818.
How to find low-cost car insurance after a speeding ticket
Below you’ll find some of the recommended penny-pinching solutions that can help Scottsdale drivers get lower-cost car insurance.
- Better credit scores save money
- Choose a safer vehicle and pay lower rates
- Increase your policy deductibles
- Keep your driving record clean
- At-fault accidents will increase rates
- Shop around and save
The last item on the list is notably vital, as was noted in this write-up. Rates in Scottsdale vary considerably, so don’t be hesitant to change insurance companies if a lower-cost policy is available.
Having brand loyalty is commendable, but it’s not recommended if that dedication is costing lots of money. Now is a great time to shop around and find cheaper car insurance after a speeding ticket.
If you prefer to have a professional recommendation when trying to find lower insurance rates after a speeding ticket, the agents shown below can most likely aid you in deciding which insurance coverage will be best for you.
To find a Scottsdale insurance agency closest to you, click the link after the list or click here to compare price quotes now.
- American Family Insurance – Denis Zdrale
7001 N Scottsdale Rd #1045 – Paradise Valley, AZ 85253 – (480) 951-0115 - Farmers Insurance: Colby Neal Agency
9449 N 90th St #110 – Scottsdale, AZ 85258 – (480) 860-0860 - Crest Insurance Group, LLC
7900 E Thompson Peak Pkwy # 10 – Scottsdale, AZ 85255 – (480) 860-6453 - Brandon Mueller – State Farm Insurance Agent
6149 N Scottsdale Rd #106 – Scottsdale, AZ 85250 – (480) 991-0119 - Jeremy Mueller Insurance Inc
8700 E Pinnacle Peak Rd # 110 – Scottsdale, AZ 85255 – (480) 515-5223