How Much Does Car Insurance Cost in Scottsdale?


Premiums in Scottsdale exceed Arizona's average by $98, which is why the city is recognized for its expensive premiums. We've analyzed how auto insurance rates in Scottsdale compare to premiums nationwide.


INSURANCE COSTS: SCOTTSDALE VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,345$1,247$1,427


Scottsdale Auto Insurance Rates by Driver Age

The largest decline in premiums for Scottsdale drivers happens when they reach their 20s. Once out of the teenage age bracket, they save, on average, $3,920. While car insurance premiums for drivers in Scottsdale will continue to fall through their 50s, they should anticipate to pay more when they hit 60. Drivers in their 50s save money on car insurance payments, as they have the smallest rates among all age groups, paying only $1,177 annually. With rates of $5,732 on average, teenage drivers pay the most in car insurance premiums.


SCOTTSDALE AUTO INSURANCE COSTS BY DRIVER AGE
AgeAverage Rate
Teenagers$5,732
20s$1,811
30s$1,324
40s$1,270
50s$1,177
60s$1,238
70s$1,594


Scottsdale Car Insurance by Accident or Violation History


Accidents and violations on your driving record can cost you in terms of prices on car insurance. In general, a DUI in Scottsdale will cost you 74% more in car insurance premiums versus the city average ($1,345). Reckless driving will also drive your premiums up, with typical rates of $3,079! You can expect your annual car insurance premiums to grow by $789 if you are found at-fault in an accident in Scottsdale.


AVERAGE SCOTTSDALE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Insurance Rate
DUI$2,340
Reckless Driving$3,079
At-fault Accident (damages less than $1,000)$2,134
At-fault Accident (damages greater than $2,000)$2,134
Speeding Ticket (16-20 mph over speed limit)$1,808


Scottsdale Car Insurance by Credit Level


Improving your credit can save you a sizable chunk of money. Those in the bottom credit tier (300-579) pay an average of 2.4x more for car insurance than those in the top credit tier (800-850). Drivers will see the greatest decrease in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $614 per year.


SCOTTSDALE AUTO INSURANCE COSTS BY CREDIT TIER
CreditAverage Rate
Very Poor$2,810
Fair$2,196
Good$1,748
Very Good$1,413
Exceptional$1,165


Scottsdale Car Insurance by Gender and Marital Status


Car insurance premiums in Scottsdale can be affected by gender as well as marital status. Being married can save you an average of $102 per year compared to being single or divorced. Rates for those who are widowed are marginally cheaper than rates for those who are single. Premiums for men are usually cheaper than for women, but not by much.


SCOTTSDALE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,355
Male$1,345
Single$1,345
Married$1,243
Divorced$1,345
Widowed$1,319


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

Major Highways
SR 101
Public Transit
Valley Metro Bus

Find Local Scottsdale Agents

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

Insurance for Arizona, Inc.

14811 N Kierland Blvd Ste 200 Scottsdale, AZ 85254

Beycor Insurance Agency

17470 North Pacesetter Way Scottsdale, AZ 85255

William Eaton & Associates, Inc.

3333 N Hayden Rd Scottsdale, AZ 85251

VIP Insurance Services LLC

4900 N Scottsdale Rd Ste 6000 Scottsdale, AZ 85251

Pacific Reserve, Inc.

4383 N 75Th St Ste 102 Scottsdale, AZ 85251

Westbrook Insurance Services, Inc.

7425 E Stetson Dr Scottsdale, AZ 85251

Diemer Insurance Agency, Inc.

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

New Vision Insurance Solutions LLC

617 N Scottsdale Rd Ste B Scottsdale, AZ 85257

Sonoran National Insurance Group

7502 East Pinnacle Peak Road Scottsdale, AZ 85255

Bisnett Insurance

7272 E Indian School Rd #107 Scottsdale, AZ 85251

See All

Not sure about Scottsdale

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$1,161

The average Scottsdale resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

186

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

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Scottsdale Car Insurance

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