One of the more important components that are looked at to determine the amount you pay each year for auto insurance is the neighborhood you call home. Larger areas likely pay more, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.
The table below lists the highest-priced areas in Arizona for homeowners to buy auto insurance in. Scottsdale makes the list at #5 with an annual rate of $1,163 for the average insurance policy, which is about $97 monthly.
|Rank||City||Average Per Year|
|4||San Tan Valley||$1,196|
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Table data uses approximated as the specific zip code location can raise or lower coverage prices greatly.
The car, truck, or SUV you are buying coverage for is probably the biggest factor when looking for cheap coverage for homeowners. Vehicles with lots of speed or power, a lack of safety features, or high incidents of liability claims will cost significantly more to insure than more economical and safe models. The list below estimates auto insurance prices for a selection of the most cost-effective automobiles to insure in Arizona.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,386|
|Honda CR-V EX 4WD||$1,418|
|Ford Escape XLT 2WD||$1,511|
|Ford Focus S 4-Dr Sedan||$1,606|
|Ford Edge SEL 2WD||$1,615|
|Chevrolet Malibu LT||$1,670|
|Dodge Grand Caravan SXT||$1,678|
|Chevrolet Impala LTZ||$1,725|
|Hyundai Elantra GLS 4-Dr Sedan||$1,731|
|Ford Fusion Sport 4-Dr Sedan||$1,757|
|Chevrolet Silverado LS Crew Cab 4WD||$1,765|
|Toyota Tacoma 4WD||$1,760|
|GMC Sierra SL Extended Cab 2WD||$1,794|
|Ford Explorer Eddie Bauer AWD||$1,829|
|Toyota RAV4 Sport 2WD||$1,845|
|Chevrolet Equinox LS AWD||$1,851|
|Toyota Camry Hybrid||$1,876|
|Ford F-150 FX4 Super Cab 4WD||$1,884|
|Honda Odyssey EX-L W/Navigation||$1,892|
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in your specific Scottsdale, AZ location which can impact premiums considerably.
Based upon the table data, makes and models like the Honda Accord, Honda CR-V, Ford Escape, and Ford Focus should be a few of the more affordable vehicles to insure for people who own their homes.
Finding decent, cheap car insurance is tough enough, and deciding which company offers the cheapest car insurance rates for homeowners takes even more rate comparisons. Each auto insurer has a unique approach for setting prices, so we’ll take a look at the overall cheapest car insurance companies in Scottsdale.
Best Auto Insurance Prices for Homeowners
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford generally has some of the most affordable car insurance rates in Scottsdale at around $820 per year. This is $608 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the cheaper Scottsdale, AZ car insurance companies.
As the example above demonstrates, if you buy coverage from Travelers and switched to Auto-Owners, you might achieve savings of around $171. Insureds with USAA might save as much as $176 a year, and Progressive insureds might cut rates by $237 a year.
To find the cheapest coverage for you, click here to start your free quote or click several companies below for low rates.
Remember that these premiums are averaged for all drivers and vehicles and are not factoring in a specific zip code for homeowners. So the insurer that fits your age and vehicle best may not even be in the top 28 companies shown above. That points out the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.
Car insurance company ratings
Ending up with the right insurance company can be a challenge considering how many companies there are to choose from in Arizona. The company rank data listed below can help you pick which providers to look at when shopping around.
These rankings include the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in Arizona are not factored into this list. If you’d like to compare prices from these top-rated insurers and more, click here.
Top 10 Large Auto Insurance Companies Overall in Scottsdale
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Impact of careless driving on Scottsdale car insurance rates
The ideal way to find affordable car insurance prices for people who own their homes is to drive carefully and maintain a clean driving record. The diagram below illustrates how speeding tickets and at-fault claims increase annual premium costs for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
The data above shows the average cost of car insurance in Scottsdale per year with a clean driving record and no accidents is $1,417. Receive two speeding tickets and the average cost surges to $1,869, an increase of $452 each year. Then add in one accident along with the two speeding tickets and the yearly cost of car insurance for homeowners goes up to an average of $2,324. That’s an increase of $908, or $76 per month, just for not driving safely!
The chart below illustrates how choosing a deductible can increase or decrease insurance prices when trying to find cheap insurance for homeowners. The costs are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
A 30-year-old driver could cut expenses by $368 a year by changing from a $100 deductible to a $500 deductible, or save $554 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old example, could lower their rates up to $824 every year just by choosing larger deductibles.
When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have enough funds in savings to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.
If you aren’t clear which coverage you need and would like to have a little guidance when comparing insurance rates for people who own their homes, the insurance agencies below are a good start to help you make a decision which is the best policy. To find an agent nearest to you, click the button following the list or click here to compare prices now.
American Family Insurance – Denis Zdrale
7001 N Scottsdale Rd #1045 – Paradise Valley, AZ 85253 – (480) 951-0115
Farmers Insurance: David Kulwin Agency
8238 E Thomas Rd – Scottsdale, AZ 85251 – (480) 505-1220
Hartford Insurance Agent
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800
Jim Wurbel – State Farm Insurance Agent
10789 N 90th St Ste 101 – Scottsdale, AZ 85260 – (480) 860-1090
How to find low-cost car insurance for homeowners
The list below shows a few thrifty ideas that can help you get low-cost car insurance.
- Don’t waste money on full coverage for older vehicles
- Insure your home and auto with the same company
- Safer vehicles cost less to insure
- Maintain a clean driving record
- Pay for small claims rather than turning them in to your insurance company
- Staying accident-free helps keep rates low
- Compare rates regularly and switch companies to save money
The last tip is incredibly critical, as we emphasized in the prior article. Prices charged by car insurance companies can be modified anytime, so drivers shouldn’t be resistant to buy a different policy if a better deal can be had. Many drivers tend to have loyalty to a certain company, but we do not recommend it if that loyalty results in overpaying major coinage every year. In less than five minutes you could shop around and find cheaper insurance for homeowners in Scottsdale.