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 Average||State Average||National Average|
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
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/Gender||Average Rate|
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
|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 Quality||Average Rate|
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
Find Local Scottsdale Agents
Vanyo Insurance Group, Inc.
8040 E Morgan Trail Ste 5A Scottsdale, AZ 85258
New Vision Insurance Solutions LLC
617 N Scottsdale Rd Ste B Scottsdale, AZ 85257
Insurance for Arizona, Inc.
14811 N Kierland Blvd Ste 200 Scottsdale, AZ 85254
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
Westbrook Insurance Services, Inc.
7425 E Stetson Dr Scottsdale, AZ 85251
William Eaton & Associates, Inc.
3333 N Hayden Rd Scottsdale, AZ 85251
Diemer Insurance Agency, Inc.
16050 N 76th Street, Ste 204 Scottsdale, AZ 85260
Pacific Reserve, Inc.
4383 N 75Th St Ste 102 Scottsdale, AZ 85251
7272 E Indian School Rd #107 Scottsdale, AZ 85251
Beycor Insurance Agency
17470 North Pacesetter Way Scottsdale, AZ 85255
Sonoran National Insurance Group
7502 East Pinnacle Peak Road Scottsdale, AZ 85255
The average Scottsdale resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Scottsdale
Just enter your zip code to get started
Scottsdale Car Insurance
My twin granddaughters are coming to Surprise, AZ in August to go to college. Where does the vehicle need to ...
Scottsdale Car Insurance
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...