If you’re shopping for auto insurance in Scottsdale, Arizona, you’ll likely pay slightly more than the U.S. average cost of $1548 and the average state cost of $1470 per year for car coverage. The finance website MoneyGeek reports that Scottsdale drivers pay an average of $1590 for an annual auto insurance policy. However, your rate will vary based on factors such as your marital status, driving history, credit score, zip code, and age.
Scottsdale Auto Insurance Requirements
Drivers who live in Arizona must carry at least $15,000 per person and $30,000 per accident for bodily injury liability coverage, as well as $10,000 for property damage liability. Your insurance premiums will be higher if you select higher liability limits or optional policies such as comprehensive and collision insurance.
Insurify reports that Scottsdale drivers who want only minimum liability coverage can purchase a policy for about $352 a year from GEICO. Your cost will increase to $481 per year for $50,000 per person and $100,000 per accident in liability coverage along with $50,000 in property damage liability. Those policies plus comprehensive and collision coverage cost $618 per year from GEICO.
Most Affordable Auto Insurance Companies in Scottsdale
MoneyGeek notes that Scottsdale drivers typically find the most affordable auto insurance policies with GEICO, with an average annual premium of $717. The website reports that the most expensive premiums come from MetLife. The insurer charges an average of $1737. Other average yearly insurance rates by provider include:
- Allstate: $1264
- American Family: $999
- Country Financial: $1109
- CSAA: $1141
- Esurance: $1208
- Farmers Insurance: $1516
- Hartford: $1058
- Mercury: $1469
- Nationwide: $1055
- Progressive: $936
- State Farm: $1156
- Travelers Insurance: $1218
- USAA: $857
Scottsdale Auto Insurance for High-Risk Drivers
Maintaining a good driving history helps you save on auto insurance. According to data from auto insurance website The Zebra, drivers in Scottsdale see about a $436 increase in auto insurance premiums after a speeding ticket, $702 after a reckless driving ticket, and $881 after an arrest for driving under the influence.
The site reports these average annual insurance rates for Scottsdale drivers after common accidents and tickets:
- $2022 with an at-fault accident resulting in no more than $1000 in damages
- $2025 with a speeding ticket for traveling 16 to 20 miles per hour over the speed limit
- $2292 with a reckless driving ticket
- $2333 with an at-fault accident resulting in more than $2000 in damages
- $2471 with a history of DUI
MoneyGeek reports that these companies have the best average annual rates for Scottsdale drivers with a history of accidents and tickets:
- American Family: $1033 after all past incidents
- Allstate: $1928 after a speeding ticket, $1792 after an at-fault accident, $2130 after a DUI
- Country Financial: $1374 after a speeding ticket, $1449 after an at-fault accident, $1529 after a DUI
- CSAA: $1258 after a speeding ticket or at-fault accident and $1400 after a DUI
- Esurance: $1513 after a speeding ticket, $2520 after an at fault accident, $1956 after a DUI
- Farmers Insurance: $1900 after a speeding ticket, $2210 after an at-fault accident, $2130 after a DUI
- GEICO: $848 after a speeding ticket, $1041 after an at-fault accident, $1453 after a DUI
- Hartford: $1367 after a speeding ticket, $1558 after an at-fault accident, $1564 after a DUI
- Mercury: $1686 after a speeding ticket, $2350 after an at-fault accident, $1690 after a DUI
- MetLife: $2190 after a speeding ticket, $2810 after an at-fault accident, $3565 after a DUI
- Nationwide: $1205 after a speeding ticket, $1563 after an at-fault accident, $1871 after a DUI
- State Farm: $1262 after a speeding ticket or DUI, $1369 after an at-fault accident
- Travelers Insurance: $1649 after a speeding ticket, $1721 after an at-fault accident, $1915 after a DUI
- USAA: $1096 after a speeding ticket, $1322 after an at-fault accident, $2008 after a DUI
Scottsdale Auto Insurance Cost by Age
Compare.com reports that drivers in their 50s pay the lowest rates by age group in Scottsdale, with an average annual premium of $1401 per year. You’ll pay more in your 60s when the average increases to $1463. By contrast, teens and 20-something drivers pay high auto insurance rates. The average is $6637 per year for adolescent drivers, which decreases with age until their 60s as follows:
- 20s: $2133
- 30s: $1566
- 40s: $1504
- 50s: $1402
- 60s: $1463
- 70s: $1875
Scottsdale Auto Insurance by Gender and Marital Status
In some states, including Arizona, marital status plays a role in the cost of auto insurance. Single drivers in Scottsdale pay about $135 more a year than married drivers do for car coverage. Widowed drivers also pay a lower cost than single individuals, on average.
The difference in insurance cost based on gender is smaller in Scottsdale. Men pay about $19 less annually for auto insurance than women on average.
Scottsdale Auto Insurance by Vehicle Age
The make, model, and age of your vehicle also influence the amount you pay for auto insurance. Compare.com reports you’ll pay $52 per month on average for a vehicle that’s less than a year old or between four and five years old. Cars between two and three years old cost $56 per month to insure on average. You’ll pay about $53 if your car is seven or eight years old and an average of $59 if your vehicle is eight to 10 years old. Vans, trucks, and SUVs tend to have the lowest insurance costs.
Scottsdale Auto Insurance vs. Other Arizona Cities
According to data from Insurify, Scottsdale drivers pay an average of $139 per month for auto coverage. Monthly premium averages for other major Arizona cities are:
- Chandler: $142
- Tucson: $148
- Mesa: $163
- Phoenix: $196
If you shop around for coverage, you have a better chance of finding affordable rates.
Check this out if you need additional information, resources, or guidance on car insurance.
Sources:
Scottsdale, AZ Car Insurance | thezebra.com
Cheap Auto Insurance Quotes in Scottsdale, AZ (2021) | insurify.com
Compare the Cheapest Car Insurance Quotes in Scottsdale, AZ | moneygeek.com
Scottsdale, AZ Car Insurance | compare.com
Car Insurance | caranddriver.com
Which Gender Pays More for Car Insurance? | caranddriver.com
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