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 Average||United States Average|
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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
|Company||Average Yearly Rate|
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 tier||Average Annual Rate|
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/Gender||Average Yearly Rate|
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/Violation||Average Annual Rate|
|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|
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 Level||Average Rate (annual)|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Scottsdale
Find Local Scottsdale Agents
Sonoran National Insurance Group
7502 East Pinnacle Peak Road #B210, Scottsdale, AZ 85255
Vanyo Insurance Group, Inc.
8040 E Morgan Trail Ste 5A, Scottsdale, AZ 85258
Pacific Reserve, Inc.
4383 N 75Th St Ste 102, Scottsdale, AZ 85251
Insurance for Arizona, Inc.
14811 N Kierland Blvd Ste 200, Scottsdale, AZ 85254
Diemer Insurance Agency, Inc.
16050 N 76th Street, Ste 204, Scottsdale, AZ 85260
Beycor Insurance Agency
17470 North Pacesetter Way, Scottsdale, AZ 85255
William Eaton & Associates, Inc.
3333 N Hayden Rd, Scottsdale, AZ 85251
7272 E Indian School Rd #107, Scottsdale, AZ 85251
Westbrook Insurance Services, Inc.
7425 E Stetson Dr, Scottsdale, AZ 85251
VIP Insurance Services LLC
4900 N Scottsdale Rd Ste 6000, Scottsdale, AZ 85251
All Arizona Insurance, Inc.
8145 E Evans Rd Ste 6, Scottsdale, AZ 85260
New Vision Insurance Solutions LLC
617 N Scottsdale Rd Ste B, Scottsdale, AZ 85257
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