Who Has the Cheapest Scottsdale Auto Insurance with Multiple Speeding Tickets?

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.

Car insurance prices in Scottsdale
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

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Who has the cheapest car insurance in Arizona?
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.

Best Car Insurance Companies with Multiple Speeding Tickets in Scottsdale
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.