How much does car insurance cost in Scottsdale?


The average car insurance rate in Scottsdale, Arizona, is $1,590 per year. That's greater than than the average across Arizona ($1,470) and more expensive than the national average of $1,548. Our guide to Scottsdale auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


SCOTTSDALE CAR INSURANCE RATES
Scottsdale Average (yearly)Arizona AverageUnited States Average
$1,590$1,470$1,548

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Scottsdale auto insurance costs by provider


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers Scottsdale's cheapest rates. We've listed the best cheap car insurance companies in Scottsdale below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


SCOTTSDALE CAR INSURANCE PREMIUMS BY COMPANY
CompanyAverage Yearly Rate
GEICO$780
USAA$1,464
State Farm$1,515
American Family$1,548
Progressive$1,655

Check out our guide to learn how to find the best cheap car insurance.



Auto insurance premiums by age in Scottsdale

The best age for car insurance rates as a driver in Scottsdale is your 50s: drivers in this age group pay an average of $1,401per year. Drivers in their 60s pay marginally higher rates — $1,463 per year.

Teen drivers pay Scottsdale's most expensive auto insurance rates. When Scottsdale drivers hit their 20s, their insurance rates drop substantially. In Scottsdale, teenage drivers pay $6,637 — a full $5,174 more than the second-most expensive rate paid by an age group.


CAR INSURANCE RATES BY AGE TIER IN SCOTTSDALE
Age tierAverage Annual Rate
Teenagers$6,637
20s$2,133
30s$1,556
40s$1,504
50s$1,401
60s$1,463
70s$1,875

Learn more about the impact of age on auto insurance rates.



Scottsdale car insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers usually pay less for car insurance than their single counterparts. In Scottsdale, married motorists pay $135 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Scottsdale, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In Scottsdale, female drivers pay more for auto insurance than do male drivers: $19 per year, to be precise.


SCOTTSDALE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,609
Male$1,590
Single$1,455
Married$1,455
Divorced$1,590
Widowed$1,513

Learn more about how gender and marital status have on insurance rates.



Scottsdale auto insurance costs by accident and citation history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Scottsdale, a reckless driving citation results in an average insurance rate increase of $702 per year, compared to the citywide average. For comparison's sake, a DUI offense results in an $881 increase and a speeding ticket triggers a $436 rate hike.


SCOTTSDALE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DWI/DUI$2,471
Reckless Driving$2,292
At-fault Accident (damages less than $1,000)$2,022
At-fault Accident (damages greater than $2,000)$2,333
Speeding Ticket (16-20 mph over speed limit)$2,025

Learn more about how citations can raise your auto insurance rates.



Scottsdale car insurance premiums by credit tier


It's no secret credit score is closely correlated with auto insurance rates. Scottsdale drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 64% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Scottsdale, improving your credit to "Fair" could help you earn a $1,629 decrease in annual car insurance rates.


SCOTTSDALE CAR INSURANCE PREMIUMS BY CREDIT SCORE
Credit LevelAverage Rate (annual)
Very Poor$3,573
Fair$1,944
Good$1,590
Very Good$1,437
Exceptional$1,277

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What drives up car insurance rates in Scottsdale?

Where you live in Scottsdale affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Scottsdale is no exception to the rule. From ZIP code 85262 to 85256, premiums rise by 14 percent—that’s $150.

Expensive Scottsdale ZIP codes: 85257, 85260, 85250, 85259, 85256

Cheap Scottsdale ZIP codes: 85262, 85255, 85266, 85258, 85257

Scottsdale Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Scottsdale, you can expect 36 rainy days with an annual rainfall of 8 inches. Scottsdale is also known to experience thunderstorms and flash floods.

36

Rainy Days a Year

8"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Scottsdale

2
Major Highways
SR 101
2
Public Transit
Valley Metro Bus
2
Parking

Downtown Scottsdale Parking

Car Insurance Companies in Scottsdale

Find Local Scottsdale Agents

New Vision Insurance Solutions LLC

617 N Scottsdale Rd Ste B, Scottsdale, AZ 85257

Westbrook Insurance Services, Inc.

7425 E Stetson Dr, Scottsdale, AZ 85251

William Eaton & Associates, Inc.

3333 N Hayden Rd, Scottsdale, AZ 85251

Insurance for Arizona, Inc.

14811 N Kierland Blvd Ste 200, Scottsdale, AZ 85254

Beycor Insurance Agency

17470 North Pacesetter Way, Scottsdale, AZ 85255

Vanyo Insurance Group, Inc.

8040 E Morgan Trail Ste 5A, Scottsdale, AZ 85258

Sonoran National Insurance Group

7502 East Pinnacle Peak Road #B210, Scottsdale, AZ 85255

All Arizona Insurance, Inc.

8145 E Evans Rd Ste 6, Scottsdale, AZ 85260

VIP Insurance Services LLC

4900 N Scottsdale Rd Ste 6000, Scottsdale, AZ 85251

Diemer Insurance Agency, Inc.

16050 N 76th Street, Ste 204, Scottsdale, AZ 85260

Bisnett Insurance

7272 E Indian School Rd #107, Scottsdale, AZ 85251

Pacific Reserve, Inc.

4383 N 75Th St Ste 102, Scottsdale, AZ 85251

Not sure about Scottsdale

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Mesa

2

$1,161

The average Scottsdale resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

186

That's equal to 186 cups of coffee or $464 in savings

See How Much You Can Save in Scottsdale

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Recent Questions:

Scottsdale Car Insurance

Where do my granddaughters need to register their vehicles for college?

Your granddaughters will need to get insurance in the state that the vehicle kept 50% or more of the time. The car also needs to be insured in the state that the vehicle is registered in.

Do I have to carry umbrella insurance?

Umbrella insurance is intended to provide liability coverage in addition to that of your home and car insurance policies. There is no legal requirement to carry an umbrella insurance policy but many people do to better protect their assets if they were ever to be sued.