Car Insurance in Scottsdale
On average, premiums in Arizona are $180 lower than the national average. While premiums in the city are also relatively low, being knowledgeable about premiums while insuring a vehicle in Scottsdale is still important. Let’s go over some tips on how to save on car insurance in Scottsdale.
- City Average: $1,345
- State Average: $1,247
- National Average: $1,427
Scottsdale Car Insurance by Gender and Marital Status
Many driver attributes, including gender and marital status, play a part in car insurance premiums in Scottsdale. Rates for those who are widowed are marginally cheaper than rates for those who are single. Married individuals save an average of 8% per year on car insurance compared to those who are single or divorced. Premiums for women are generally more expensive than for men, but only by a narrow margin.
- Female: $1,355
- Male: $1,345
- Single: $1,345
- Married: $1,243
- Divorced: $1,345
- Widowed: $1,319
Scottsdale Car Insurance by Credit Rating
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers will see the largest percent decrease in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them 22% per year.
- Very Poor: $2,810
- Fair: $2,196
- Good: $1,748
- Very Good: $1,413
- Exceptional: $1,165
Scottsdale Car Insurance by Accident or Violation History
Do you realize the impact an accident or violation can have on your car insurance premiums? Reckless driving will increase your car insurance premiums more than other driving violations. $995 is the extra cost per year for drivers with a DUI in Scottsdale, compared to the city average of $1,345. Reckless driving will drive your rates up as well, with typical rates of $3,079, which are 129% higher than the city average! No one plans on getting into an accident, but life happens, so be aware of the effect one can have on your rates. If you are found at-fault in an accident in Scottsdale, you can expect your annual car insurance payments to increase by 59%.
- DUI: $2,340
- Reckless Driving: $3,079
- At-fault Accident (damages less than $1000): $2,134
- At-fault Accident (damages greater than $2000): $2,134
- Speeding Ticket (16-20 mph over speed limit): $1,808
Scottsdale Car Insurance by Age
With car insurance payments of $5,732 on average, teenage drivers have the most expensive rates out of all the age groups. Among all age groups, drivers in their 50s have the smallest insurance payments, with rates of $1,177/year. In Scottsdale, drivers see the biggest reduction in premiums when they hit their 20s, as they save an average of $3,920 from moving out of the teenage age bracket. In Scottsdale, turning 60 means a rise in rates. Up until then, transitioning between age groups means decreasing prices.
- Teenagers: $5,732
- 20s: $1,811
- 30s: $1,324
- 40s: $1,270
- 50s: $1,177
- 60s: $1,238
- 70s: $1,594
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.
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 Scottsdale, AZ 85255
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
Pacific Reserve, Inc.
4383 N 75Th St Ste 102 Scottsdale, AZ 85251
7272 E Indian School Rd #107 Scottsdale, AZ 85251
VIP Insurance Services LLC
4900 N Scottsdale Rd Ste 6000 Scottsdale, AZ 85251
Beycor Insurance Agency
17470 North Pacesetter Way Scottsdale, AZ 85255
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
All Arizona Insurance, Inc.
8145 E Evans Rd Ste 6 Scottsdale, AZ 85260
Vanyo Insurance Group, Inc.
8040 E Morgan Trail Ste 5A Scottsdale, AZ 85258
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Scottsdale Car Insurance
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