One of the many things that are looked at to help calculate car insurance rates is your address in Scottsdale. Areas with a lot of weather claims or more people will most likely pay more, whereas more rural areas tend to receive slightly lower rates.
The information below rates the priciest cities in Arizona for electric cars to purchase car insurance in. Scottsdale is ranked at #8 with a yearly cost of $1,129 for the average policy, which is about $94 monthly.
|Rank||City||Premium Per Year|
|4||San Tan Valley||$1,150|
|25||Lake Havasu City||$844|
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Rate information is comparative as the specific area where the vehicle is garaged can change insurance rates noticeably.
Finding decent, reasonably-priced car insurance is tough enough, and figuring out which company has the most affordable auto insurance rates for electric cars will require even more work.
Every car insurance company uses slightly different criteria to determine rates, so we need to take a look at the auto insurance companies that tend to have lower prices in Scottsdale.
Find the Best Cheap Insurance for EV’s
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
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The Hartford quotes some of the lowest car insurance rates in Scottsdale at around $811 per year. Safeco, Auto-Owners, USAA, and Travelers would also be considered some of the lowest-priced Scottsdale, AZ auto insurance companies.
In this example, if you currently have coverage with Auto-Owners and switched to The Hartford, you may see an annual premium reduction of in the neighborhood of $113. Arizona drivers with USAA could save as much as $269 a year, and Travelers insureds might see rate reductions of $297 a year.
Bear in mind that those premiums are averages across all ages of drivers and types of vehicles and do not factor in a specific zip code for electric cars. So the company that is best suited for you may not even be in the top 28 companies in the list above. That illustrates why you need to get auto insurance quotes using your own specific driver information and vehicle.
The vehicle you are trying to insure is probably the most important factor that determines whether or not you can buy economical coverage for electric cars. Vehicles with lots of horsepower, a lack of safety features, or high incidents of liability claims will cost substantially more to insure than more modest models.
The list below ranks insurance premiums for the cheapest vehicles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$1,389|
|Honda CR-V EX-L 4WD||$1,421|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,672|
|Ford Escape XLS 4WD||$1,704|
|Toyota Camry XLE||$1,731|
|Toyota Corolla LE||$1,736|
|Nissan Rogue S AWD||$1,760|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,768|
|Chevrolet Equinox LTZ AWD||$1,763|
|Dodge Grand Caravan CV||$1,784|
|Dodge Ram Crew Cab SLT 2WD||$1,792|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,797|
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease rates considerably.
By looking at the data, we can assume that models like the Honda Accord, Honda CR-V, and Jeep Wrangler are going to be the most affordable vehicles to insure for eco-friendly vehicles.
How accidents and tickets impact rates
The recommended way to maintain affordable auto insurance premiums in Scottsdale for eco-friendly vehicles is to be a cautious driver and avoid accidents and violations. The chart below highlights how traffic violations and accident claims impact yearly insurance costs for each different age category. The data is based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of a car insurance policy in Scottsdale per year with a clean driving record and no accidents is $2,107. Receive one speeding ticket and the average cost surges to $2,374, an increase of $267 each year. Then include one accident along with the one speeding ticket and the 12-month cost of auto insurance for electric cars increases to an average of $3,132. That’s an increase of $1,025, or $85 per month, just for a couple of infractions!
Scottsdale auto insurance companies
Insuring your vehicle with a highly-rated auto insurance company can be difficult considering how many companies provide coverage in Scottsdale. The company rank data below could help you choose which car insurance companies you want to consider purchasing a policy from. These ratings are only made up of companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Arizona are not factored into these rankings.
Top 10 Major Auto Insurers Overall in Scottsdale
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
If you like to have some advice when trying to find the best insurance rates for eco-friendly vehicles, the agents listed below can aid you in deciding which coverages are best.
To locate an agency near you, click the button after the list or click here to compare rates now.
- J B Martin Insurance Agency
4835 E Cholla St – Scottsdale, AZ 85254 – (480) 423-7444
- Leavitt Group – Powers-Leavitt Insurance Agency
14301 N 87th St Suite 308 – Scottsdale, AZ 85260 – (480) 348-1100
- Brenda Wix – State Farm Insurance Agent
6401 E Thomas Rd Suite 102 – Scottsdale, AZ 85251 – (480) 994-9200
- Citywide Insurance
13802 N Scottsdale Rd #106 – Scottsdale, AZ 85254 – (480) 607-7537
- Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150
Tips for buying cheaper car insurance for electric cars
The list below details a few money-saving solutions that can help Scottsdale drivers quote more affordable auto insurance.
- Save money by insuring older vehicles for liability only
- Drive attentively and avoid accidents
- Buying your home and auto policies from the same company can earn a discount
- Having too many claims will increase rates substantially
- Buy vehicles with five-star safety ratings
- Tickets and violations raise rates
- Compare price quotes at least once a year
The last item on the list is notably critical, as we emphasized in this article. Car insurance rates in Scottsdale can change in a short period of time, so don’t be tentative to buy a policy from a new company if you find a cheaper price.
Being loyal to a particular company is commendable, but it’s not a great idea if your bullheadedness ends up costing you major coinage every year. Take a few minutes and compare rates and find cheaper car insurance for electric cars.