You have probably seen the captivating commercials from car insurance companies like Allstate, The General, and Farmers that say if you switch you’ll get huge savings, so drivers just need to choose the one with the best commercial, right?
It’s just not that easy, however, as there are a whole bunch of unknown factors such as if you want the added protection of full coverage, any driving violations you may have, and where you live, that all have an effect on the price of a policy. We will touch on these types of topics and will hopefully give the reader a good start in finding the cheapest car insurance in Scottsdale.
The vehicle model you are seeking coverage for is probably the most important factor in finding affordable auto insurance for drivers with good credit. Vehicles with high performance features, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer, lower-performance models.
The table below presents coverage rates for a selection of the cheapest vehicles to insure in Arizona.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,318|
|Ford Escape Limited 2WD||$1,476|
|Chevrolet Impala LS||$1,527|
|Honda CR-V EX-L 4WD||$1,530|
|Toyota RAV4 Sport 2WD||$1,558|
|Honda Odyssey EX-L W/Rear Entertainment||$1,644|
|Toyota Corolla XLE||$1,654|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$1,672|
|Ford Edge SE AWD||$1,675|
|Jeep Grand Cherokee Laredo 4WD||$1,709|
|Toyota Camry LE||$1,716|
|Chevrolet Equinox LS AWD||$1,709|
|Volkswagen Jetta 2.0T Station Wagon||$1,732|
|Toyota Tacoma Double Cab 4WD||$1,742|
|Ford F-150 Lariat Super Cab 4WD||$1,747|
|Ford Explorer Eddie Bauer 4WD||$1,742|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in vehicle garaging location which can alter insurance rates substantially.
Based on these rates, you can expect cars like the Hyundai Elantra, Ford Escape, and Chevrolet Impala are likely to be some of the cheapest vehicles to insure for financially responsible drivers.
For financially responsible drivers, one of the big considerations that determine the price you pay for insurance is where you live in Scottsdale. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.
The following table sorts the highest-priced areas in Arizona for drivers with good credit to buy car insurance in. Scottsdale comes in at #4 with a yearly cost of $1,163 for the average insurance policy, which is approximately $97 monthly.
|Rank||City||Average Per Year|
|5||San Tan Valley||$1,161|
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Information shown are estimated as specific Scottsdale garaging address can lower or raise coverage prices substantially.
Establishing which companies quote the most affordable auto insurance rates for drivers with good credit takes more work in order to find the most economical policy. Every car insurance company uses a different method for determining prices, so we’ll go over the auto insurance companies with the overall best prices in Scottsdale, AZ.
It’s important that readers know that Scottsdale, AZ auto insurance rates are calculated based on many things that control the price of coverage. Improving your credit rating, moving to a new city, or having an accident may prompt premium changes resulting in some rates now being affordable when they were higher priced.
Best Insurance Companies for High Credit
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,285|
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The Hartford normally has some of the lowest car insurance rates in Scottsdale at around $820 per year. Auto-Owners, Safeco, USAA, and Travelers also make the cut as some of the cheapest Scottsdale, AZ insurance companies.
In the rate table above, if you are a customer of USAA and switched to Auto-Owners, you may see an annual savings of roughly $183. Drivers with Travelers may save as much as $189 a year, and Progressive insureds might realize rate reductions of up to $233 a year.
It’s important to note that these prices are averages across all types of insureds and vehicles and are not factoring in a specific location for drivers with good credit. So the insurer that fits you best may not even be in the top 28 companies in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.
Types of discounts on Scottsdale car insurance rates
Insurers that offer coverage for drivers with good credit may also give you policy discounts that could lower prices by 30% or more if you meet eligibility requirements. Larger auto insurance companies and their possible discounts can be found below.
- AAA includes discounts for good student, multi-policy, multi-car, anti-theft, education and occupation, good driver, and AAA membership discount.
- Progressive has discounts for homeowner, multi-policy, online signing, multi-vehicle, and good student.
- State Farm may have discounts that include good driver, accident-free, defensive driving training, passive restraint, and driver’s education.
- Esurance has savings for good student, multi-policy, safety device, DriveSense, and defensive driver.
- Nationwide offers discounts including good student, defensive driving, anti-theft, Farm Bureau membership, family plan, accident-free, and easy pay.
The example below compares insurance rates with and without discounts applied to the premium. The data assumes a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, accident-free, multiple policy, multiple vehicle, marriage, and passive restraint discounts applied. With discounts applied, theaverage amount saved on auto insurance for drivers with good credit is 28% or $436.
Which auto insurance company is best in Scottsdale?
Insuring your vehicle with the best auto insurance provider is difficult considering how many companies there are to choose from in Arizona. The ranking data in the lists below may help you decide which car insurance companies you want to consider when comparing rate quotes.
The rankings below only include the largest companies in America, so companies that only write business in Arizona or surrounding areas are not factored into this list. If you’d like to compare prices from these companies and more, follow this link.
Top 10 Major Auto Insurance Providers in Scottsdale Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Major Auto Insurance Providers Overall in Scottsdale
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
You are probably paying too much for car insurance
Scottsdale, AZ auto insurance rates are influenced by many factors which can substantially change the policy price. Improving your credit score, increasing liability limits, or having an accident may prompt premium changes that can now make some companies more affordable than competitors. Also, auto insurance companies modify rates every year in order to remain profitable. Heavy losses may cause increased rates, while lower claims may result in more affordable Scottsdale car insurance rates.
As an example, the bar chart below shows which companies have the cheapest car insurance in Scottsdale, AZ for a 40-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. Based on her personal profile, The Hartford might quote the cheapest 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. Safeco, Auto-Owners, Travelers, and USAA are also included in the cheapest Scottsdale, AZ auto insurance companies.
Now we will pretend the driver from above a claim or two, less-than-perfect credit, and a traffic ticket or two. Since every insurance provider uses their own formula to determining premium rates, comparing prices may now show a completely different list of the cheapest car insurance companies in Scottsdale as shown below.
GEICO now has the best car insurance rate in Scottsdale with Ameriprise Group, Allied, Safeco, and Auto-Owners also being competitive. This illustrates why Scottsdale drivers need to do a thorough rate comparison when trying to get the most budget-friendly car insurance rates for drivers with good credit. Insurance prices can be altered by many different factors and can change without notice, so the cheapest rate three years ago may now cost much more than other companies.