One of the more important things that are used to help calculate the annual cost of car insurance is where you normally keep your vehicle in Scottsdale. Areas with high crime rates or more dense population are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The following table sorts the priciest cities in Arizona with multiple speeding tickets to purchase car insurance in. Scottsdale makes the list at #8 with an annual premium of $1,129 on average, which is about $94 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,214 |
| 4 | San Tan Valley | $1,196 |
| 5 | Mesa | $1,147 |
| 6 | Gilbert | $1,142 |
| 7 | Peoria | $1,137 |
| 8 | Scottsdale | $1,129 |
| 9 | Buckeye | $1,122 |
| 10 | Tempe | $1,118 |
| 11 | Tucson | $1,094 |
| 12 | Goodyear | $1,087 |
| 13 | Maricopa | $1,085 |
| 14 | Chandler | $1,082 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Surprise | $1,058 |
| 17 | Oro Valley | $1,051 |
| 18 | Casas Adobes | $1,050 |
| 19 | Casa Grande | $1,047 |
| 20 | Yuma | $983 |
| 21 | Flagstaff | $960 |
| 22 | Prescott | $942 |
| 23 | Sierra Vista | $872 |
| 24 | Lake Havasu City | $870 |
| 25 | Bullhead City | $869 |
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Premium costs are comparative as the specific area where the vehicle is garaged can increase or decrease coverage prices substantially.
Deciphering which insurers offer the lowest-priced car insurance rates with multiple speeding tickets will require a tad more effort in order to find the best price. Every auto insurer has a different process to set their prices, so let’s take a look at the car insurance companies that tend to have lower prices in Scottsdale, AZ.
It’s important that you understand Arizona car insurance rates are determined by lots of factors that will increase or decrease your annual premium. Simply having a birthday, becoming a homeowner, or getting a speeding ticket can cause premium changes that may make certain companies cheaper in comparison to the competition.
Best Insurance Companies with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,142 |
| 8 | Ameriprise Group | $1,184 |
| 9 | Allied | $1,197 |
| 10 | CSAA | $1,225 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,378 |
| 16 | American Family | $1,435 |
| 17 | Titan | $1,461 |
| 18 | Amica | $1,487 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,551 |
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The Hartford quotes some of the cheapest car insurance rates in Scottsdale at around $820 a year. This is $608 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also are some of the cheapest Scottsdale, AZ car insurance companies.
As shown in the table above, if you currently have coverage with Travelers and switched to The Hartford, you might see annual savings of in the neighborhood of $255. Drivers with USAA could save as much as $293 a year, and Progressive policyholders might lower prices by up to $310 a year.
These premiums are averages for all types of drivers and the different vehicles they drive and and are not figured with a specific zip code with multiple speeding tickets. So the auto insurance company that has the lowest price for you may not even be in the top 28 companies shown above. That helps illustrate why you need to quote rates from many companies using your own specific driver information and vehicle.
Price comparison of only insuring for liability
Finding cheaper car insurance is probably important to most drivers, and one great way to find cheaper insurance with multiple speeding tickets is to not buy full coverage. The information below shows the difference between annual premium costs when comparing full coverage to liability only. The premium estimates are based on no claims or violations, $1,000 deductibles, single marital status, and no other discounts are factored in.
If averaged for all ages, physical damage coverage on your policy costs $1,681 per year more than just buying liability insurance. That touches on the question if buying full coverage is a waste of money. There is no exact rule of when to stop paying for physical damage coverage, but there is a general convention. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
Picking a high-quality car insurance provider is hard considering how many different companies insure vehicles in Scottsdale. The company rank data shown below may help you pick which providers to look at purchasing from.
These rankings are only made up of large nationwide companies, so companies that only write business in Arizona or surrounding areas will not be included in the list. To compare price quotes from these companies and more, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
The illustration below demonstrates how deductible levels can influence insurance costs when trying to find cheap insurance with multiple speeding tickets. The data is based on a married male driver, full coverage, and no discounts are factored in.
As shown above, a 50-year-old driver could reduce rates by $210 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $316 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could save up to $694 or even more just by choosing higher deductibles when buying full coverage. If you make the decision to raise deductibles, it’s a good idea to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.