The average cost of a full coverage car insurance policy in Scottsdale is $1,740 per year. That’s $140 more than the Arizona average, which is $1,600 per year. But Scottsdale drivers can save on car insurance by shopping around and comparing rates before picking a policy.
Policygenius makes it easy to compare rates from top car insurance companies, so you can choose the coverage that’s best for you and a price you feel good about.
Cheapest car insurance companies in Scottsdale, AZ
What you pay for car insurance will depend on your age, driving record, address, the car you drive, and your credit history. But every company has its own method for setting rates, so you can get different rates from two different companies, even for identical amounts of coverage.
Company | Average cost | JD Power Rating |
---|---|---|
Root | $984 | -- |
Auto-Owners Insurance | $1,115 | 865 |
GEICO | $1,126 | 874 |
State Farm | $1,338 | 882 |
Travelers | $1,389 | 854 |
Cheapest car insurance rates by ZIP code in Scottsdale, AZ
Insurance companies use ZIP codes to figure out the risks of owning a car in your specific neighborhood. They’ll consider incidents of car theft and vandalism, rates of claims, and the number of accidents and traffic tickets issued where you live.
ZIP code | Average cost |
---|---|
85262 | $1,637 |
85266 | $1,679 |
85255 | $1,716 |
85258 | $1,748 |
85259 | $1,754 |
85256 | $1,755 |
85260 | $1,767 |
85257 | $1,777 |
85251 | $1,778 |
85250 | $1,793 |
Choosing the right car insurance company in Scottsdale, AZ
Finding the right car insurance company for you might seem complicated, but it comes down to a few key factors.
Cost: Seek out quotes from multiple insurance companies so you can see which has the best rates.
Coverage: The higher you set your limits, the better protected you’ll be in case of an accident.
Service: Check customer service and claims satisfaction ratings before you settle on a policy.
Policygenius makes comparing car insurance companies easy by showing you quotes from multiple insurers, so you can pick the policy that’s best for you.
Car insurance rates for drivers with driving violations in Scottsdale, AZ
A driving history full of violations will have a big impact on your car insurance rates. Speeding tickets, at-fault accidents and other violations can mean you’ll pay much more for car insurance.
Violation | Root | Auto-Owners Insurance | GEICO | State Farm | Travelers |
---|---|---|---|---|---|
At-fault accident | $1,192 | $1,602 | $1,785 | $1,568 | $2,009 |
DUI | $1,039 | $2,058 | $2,295 | $1,445 | $2,211 |
Suspended license | $1,210 | $2,058 | $2,295 | $1,445 | $2,211 |
Open container | $1,018 | $2,058 | $2,295 | $1,445 | $1,896 |
Expired registration | $1,126 | $1,146 | $1,272 | $1,445 | $1,896 |
Driving without lights | $949 | $1,146 | $1,272 | $1,445 | $1,896 |
Running a red light | $1,171 | $1,146 | $1,272 | $1,445 | $1,896 |
Following too closely | $1,171 | $1,146 | $1,272 | $1,445 | $1,896 |
Hit and run | $1,210 | $2,058 | $2,295 | $1,445 | $2,211 |
Not-at-fault accident | $949 | $1,146 | $1,047 | $1,354 | $1,492 |
Passing a school bus | $1,171 | $1,146 | $1,272 | $1,445 | $2,211 |
Reckless driving | $1,164 | $2,058 | $2,295 | $1,445 | $2,211 |
Speeding | $1,144 | $2,058 | $2,295 | $1,445 | $2,211 |
Cheapest car insurance for drivers with a DUI in Scottsdale, AZ
Company | Rates for drivers with DUIs |
---|---|
Root | $1,039 |
State Farm | $1,445 |
Auto-Owners Insurance | $2,058 |
Travelers | $2,211 |
GEICO | $2,295 |
Cheapest car insurance for drivers with a speeding ticket in Scottsdale, AZ
Company | Rates for drivers with speeding tickets |
---|---|
Root | $1,144 |
State Farm | $1,445 |
Auto-Owners Insurance | $2,058 |
Travelers | $2,211 |
GEICO | $2,295 |
Cheapest car insurance for drivers with bad credit in Scottsdale, AZ
A lower credit score usually means you’ll pay more for car insurance, so if you know you have bad credit, take extra time to shop around and find an affordable policy.
Company | Rates for drivers with bad credit |
---|---|
Root | $1,202 |
GEICO | $1,611 |
Travelers | $2,327 |
Farm Bureau | $2,376 |
Progressive | $2,500 |
Buying car insurance in Scottsdale, AZ
Arizona requires that all drivers have car insurance of at least the following minimum amounts:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $15,000
Arizona drivers must be able to provide proof of insurance if requested. If you are unable to provide this proof, then you will face penalties that may include suspension of your driver’s license and vehicle registration.
How to get cheap car insurance in Scottsdale, AZ
Drive safely: Drive with care and attention so you avoid at-fault accidents and traffic violations.
Shop around: Get quotes from multiple insurance companies to find the best rate available.
Know your discounts: Ask about discounts for members of the military, low mileage drivers, good students, and things like paying your annual premium in full.
Bundle policies: If you have renters or homeowners insurance, using the same company for your car insurance policy could lower all those rates.