Average car insurance cost in Scottsdale, AZ

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Based on an analysis by Insure.com, the typical car insurance expense in Scottsdale, Arizona is $1,958 annually. Furthermore, car insurance premiums in Scottsdale are $146 more than compared to the state average in Arizona and $63 more than the national average.

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Scottsdale, the average car insurance rates by age and gender, and the costs in Scottsdale based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Scottsdale. Keep reading to learn more.

Cheap car insurance companies in Scottsdale

At an average of $1,320 per year with full coverage limits of 100/300/100, Geico provides the most affordable car insurance in Scottsdale.

Ranked as the second most affordable company in Scottsdale, Travelers provides car insurance at $1,607 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Scottsdale that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Scottsdale, Arizona:

Read about the best car insurance companies.

Average car insurance cost in Scottsdale by coverage limits

The average car insurance rates in Scottsdale by coverage type are as follows:

• State minimum coverage: $597 per year (limits of 25/50/25)
• Liability-only coverage: $870 per year (limits of 50/100/50)
• Full coverage: $1,958 per year (limits of 100/300/100)
• Non-owners coverage: $439 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Scottsdale

The average car insurance per year for female drivers in Scottsdale, Arizona, is $1,967.

Whereas the yearly average car insurance rate for male drivers is $1,949, which is $18 less than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Scottsdale

Car insurance rates in Scottsdale, are highest for teens at $7,905 per year or $659 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $3,216 annually for their car insurance, which is $4,689 less than what teens pay for their insurance coverage.

In Scottsdale, adult drivers pay an average of $1,952 per year for car insurance, while senior drivers pay $2,019 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Scottsdale

Examining the trends in car insurance rates in Scottsdale, Arizona it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 14%, or $243.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Scottsdale, are higher than the average insurance cost in Arizona. Shopping around and taking advantage of available discounts, drivers in Scottsdale can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.