How Much Does Car Insurance Cost in Scottsdale?


On average, premiums in Scottsdale exceed Arizona's average by $176. Let's compare car insurance costs in Scottsdale versus premiums across the nation.


CAR INSURANCE RATES: SCOTTSDALE VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,397$1,221$1,569


Scottsdale Auto Insurance Costs by Driver Age

The biggest drop in premiums for Scottsdale drivers happens when they hit their 20s. Once out of the teenage age range, people reduce their premiums by 68%. In Scottsdale, turning 60 means a rise in premiums. Up until then, moving from one age group to the next means decreasing prices. With average car insurance payments of $5,786, teenage drivers have the highest rates amongst all the age groups. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance rates among any age group, with rates of $1,231 per year. People in their 60s ($1,289) also have relatively low premiums.


SCOTTSDALE CAR INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$5,786
20s$1,866
30s$1,377
40s$1,327
50s$1,231
60s$1,289
70s$1,558


Scottsdale Auto Insurance by Marital Status and Gender


Pricing for car insurance premiums in Scottsdale is determined by numerous things, including marital status and gender. Premiums for women are generally a mere 1% more costly than for men. You spend approximately 7% more per year if you're single as opposed to married. Rates for those who are widowed are moderately cheaper than rates for those who are single.


SCOTTSDALE AUTO INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,413
Male$1,397
Single$1,397
Married$1,303
Divorced$1,397
Widowed$1,364


Scottsdale Car Insurance After an Accident or Moving Violation


Does your driving record show a history of accidents or violations? That can have an impact on your car insurance premiums. When comparing premiums for drivers with at-fault accidents in Scottsdale, those with damages exceeding $2,000 pay $291 more than those with damages less than $1,000. In Scottsdale, drivers with a DUI have rates 2.3x the city average ($1,397). Reckless driving will also push your rates up, with typical rates of $2,423. That is 74% higher than the city average!


AVERAGE SCOTTSDALE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationMean Rate
DUI$3,176
Reckless Driving$2,423
At-fault Accident (damages less than $1,000)$1,922
At-fault Accident (damages greater than $2,000)$2,213
Speeding Ticket (16-20 mph over speed limit)$1,871


Scottsdale Car Insurance by Credit Rating


There is a difference of $1,951 a year between car insurance premiums for individuals with Very Poor credit (300-579) and Exceptional credit (800-850). Drivers will see the greatest reduction in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,418 per year.


SCOTTSDALE CAR INSURANCE RATES BY CREDIT TIER
Credit QualityAverage Rate
Very Poor$3,111
Fair$1,693
Good$1,397
Very Good$1,265
Exceptional$1,160


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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

Find Local Scottsdale Agents

William Eaton & Associates, Inc.

3333 N Hayden Rd Scottsdale, AZ 85251

New Vision Insurance Solutions LLC

617 N Scottsdale Rd Ste B Scottsdale, AZ 85257

All Arizona Insurance, Inc.

8145 E Evans Rd Ste 6 Scottsdale, AZ 85260

Bisnett Insurance

7272 E Indian School Rd #107 Scottsdale, AZ 85251

Beycor Insurance Agency

17470 North Pacesetter Way Scottsdale, AZ 85255

VIP Insurance Services LLC

4900 N Scottsdale Rd Ste 6000 Scottsdale, AZ 85251

Sonoran National Insurance Group

7502 East Pinnacle Peak Road Scottsdale, AZ 85255

Pacific Reserve, Inc.

4383 N 75Th St Ste 102 Scottsdale, AZ 85251

Westbrook Insurance Services, Inc.

7425 E Stetson Dr Scottsdale, AZ 85251

Insurance for Arizona, Inc.

14811 N Kierland Blvd Ste 200 Scottsdale, AZ 85254

Vanyo Insurance Group, Inc.

8040 E Morgan Trail Ste 5A Scottsdale, AZ 85258

Diemer Insurance Agency, Inc.

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

Not sure about Scottsdale

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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.