Car Insurance in Scottsdale
Why You Can Trust EverQuote
EverQuote powers millions of shopper requests every month, teaming up with industry-leading insurance specialists to address real-world challenges faced by people every day. We partner with the largest insurance providers in the nation, and our content is carefully crafted by experts and reviewed by licensed insurance agents for accuracy and relevance.
Car Insurance in Scottsdale, AZ
Scottsdale is all about swanky resorts, a thriving art scene, and a touch of desert chic. Whether you're hitting the shops at Scottsdale Fashion Square or wandering the Arts District, make sure you're insured. Since Scottsdale calls itself the "World's Finest Golf Destination," make sure your vehicle insurance covers errant golf balls.
In Arizona, minimum liability insurance is a must. That means $25,000 per person for injuries, $50,000 total for everyone injured in an accident, and $15,000 to cover property damage. Full coverage in Scottsdale is pricier than the state and national averages, clocking in at around $1,149 a year. Minimum liability coverage is about $568 per year.
Insurance rates across the board also show significant variation with age. Drivers aged 22 to 29 pay the highest premiums, averaging $5,719 annually for full coverage. Those aged 30 to 59 pay about $2,790 annually, while drivers aged 60+ pay around $2,299 annually. Credit scores also play a big role in determining premiums. Drivers with excellent credit pay about $2,143 annually, while those with poor credit might see rates as high as $4,505 annually.
How much is car insurance in Scottsdale, AZ?
The total cost of auto insurance in Scottsdale can differ significantly depending on the coverage options you select. For a general guide, here are the average prices for the three most favored coverage types in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
+
What are the cheapest cars to insure in Scottsdale?
Determining and categorizing the insurance expenses for each car make, model, and year in the city presents a substantial challenge. Nevertheless, if you're interested in identifying newer models that generally offer lower insurance premiums, here are the top 10 most cost-effective car makes and models to consider in Scottsdale:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $165 |
| 2 | Honda Cr-V | $166 |
| 3 | Dodge Grand Caravan | $172 |
| 4 | Toyota Corolla | $177 |
| 5 | Toyota Rav4 | $177 |
| 6 | Kia Sedona | $177 |
| 7 | Honda Odyssey | $181 |
| 8 | Ford Escape | $182 |
| 9 | Kia Sol | $183 |
| 10 | Toyota Tacoma | $184 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Analyzing and sorting the insurance costs for every car make, model, and year in the city is a complex undertaking. However, if you're looking to find newer vehicles that are associated with lower insurance rates, here are the top 10 most economical car makes and models to consider in Scottsdale:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $177 | +0% |
| Not at-fault Accident | $177 | +0% |
| Driving with expired registration | $222 | +25% |
| Speeding Ticket | $223 | +26% |
| At-fault Accident | $265 | +50% |
| Driving with a suspended license | $279 | +58% |
| DUI | $284 | +60% |
| Hit and Run | $286 | +62% |
What car insurance discounts can I get in Scottsdale?
In Scottsdale, a range of discounts are available that can decrease your insurance costs. Options such as bundling various policies, paying the entire premium upfront, choosing paperless billing, and securing loyalty renewal discounts can provide savings. Below, these discount opportunities are ordered from the most to the least significant in terms of potential reductions on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $157 | +$20 |
| Paid in Full | $166 | +$11 |
| Multi-Policy Renters | $170 | +$7 |
| Low Mileage | $171 | +$6 |
| Electronic Funds Transfer | $172 | +$5 |
| Paperless | $174 | +$3 |
| None | $177 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.