Scottsdale Car Insurance

How much does car insurance cost in Scottsdale, AZ? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Scottsdale?

Scottsdale, Arizona, less than 20 miles away from Phoenix, is a desert city located in the Sonoran Desert, the hottest and most bio-diverse of the North American deserts. Scottsdale sits at the foot of the McDowell Mountains.

Butterfly Wonderland is a unique indoor rainforest that is home to the largest butterfly conservatory in the U.S. It features a 3D theater that teaches viewers about the life of a butterfly, a conservatory and a honey bee exhibit. The main attraction is the state-of the art butterfly emergence gallery, a large glass atrium that creates a tropical habitat where thousands of butterflies of different colors, shapes and sizes from around the world fly freely. Another great feature is that you can exit and re-enter Butterfly Wonderland to enjoy other restaurants and attractions at the Arizona Boardwalk. The Boardwalk has 7 attractions in total, some of which are the Odysea Aquarium and the Laser and Mirror Maze.

Old Town Scottsdale is the heart of the city that celebrates the city's Old West heritage. Art galleries, museums, boutiques and cafes line the streets of Old Town, offering more than 100 of the city’s best restaurants. While you're in Old Town, you can also visit the Scottsdale Historical Museum to learn about the city's founders and earliest settlers in Scottsdale and after dark, visitors and locals can hit the clubs in the Entertainment District as there plenty of venues to catch a live performance or concert.

SmartFinancial has convenient tools for you to use to help you find the insurance quote that is within your budget that includes all the services you need.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arizona has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Scottsdale typically pay around $123.38 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $146.47
Arizona $123.27
Scottsdale, Arizona $123.38

Scottsdale, AZ Best Car Insurance Companies

car insurance in Scottsdale

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Kemper Personal Insurance generally has the most affordable car insurance in Scottsdale coming in around $63.00 per month. Other companies to consider if you live in Scottsdale is Clearcover with an average cost of $86.49 per month and AssuranceAmerica Protect which typically runs around $96.77 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Scottsdale.

RankCompanyAverage Monthly RateComparison State Average
1 Kemper Personal Insurance $63.00-48.89%
2 Clearcover $86.49-29.84%
3 AssuranceAmerica Protect $96.77-21.50%
4 Ameriprise Group $111.07-9.90%
5 PEMCO $113.58-7.86%
6 Mercury Insurance $117.97-4.30%
7 SAFECO $121.83-1.17%
8 Unigard $122.67-0.49%
9 ACCC Insurance Company $133.318.14%
10 USAA $136.8711.03%

How Much is Car Insurance in Scottsdale, AZ?

how much is auto insurance in Scottsdale

Rates can vary from city to city. The residents of Apache Junction typically pay $102.60 per month while people who live in Casa Grande will pay $112.69 per month on average. See what people pay for car insurance in other cities in Arizona.

Arizona CitiesMonthly Average Rate
Apache Junction $102.60
Casa Grande $112.69
Chandler $127.34
Gilbert $140.56
Glendale $143.40
Mesa $126.11
Peoria $132.97
Phoenix $146.77
Prescott $88.81
Scottsdale $123.94
Surprise $126.23
Tempe $132.66
Tucson $109.94
Yuma $94.52

Cheap Car Insurance in Scottsdale by Zip Codes

find cheap auto insurance in Scottsdale

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Arizona. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Scottsdale, AZ ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Scottsdale

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $306.24 per month in Scottsdale. Compare that to drivers in their 30’s who typically pay around $127.40 per month drivers in their 40s at $115.59 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Scottsdale

If you are teen in Scottsdale you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Ameriprise Group typically charges around $216.17 per month. This is likely the most affordable option in Scottsdale. You might also want to consider ACCC Insurance Company and CSAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Ameriprise Group$216.17
ACCC Insurance Company$332.65

Cheapest Insurance for 20 Year-olds in Scottsdale

20 year-olds in Scottsdale might want to consider Clearcover who, on average, offers car insurance rates around $92.90 per month. Ameriprise Group , PEMCO , Unigard and Grange are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Ameriprise Group$109.13

Cheapest Insurance for 30 Year-olds in Scottsdale

If you are in your 30s in Scottsdale our research has found that Ameriprise Group typically has the most affordable coverage coming in around $83.34 per month, followed by Clearcover at $96.30 and American Family at $126.74.

CompanyAverage Monthly Rate
Ameriprise Group$83.34
American Family$126.74

Cheapest Insurance for 40 Year-olds in Scottsdale

On average, Clearcover offers car insurance for 40 year-olds in Scottsdale for around $69.07 per month. If you are looking for affordable coverage, you may also want to consider Ameriprise Group or Mercury. The full list of top companies is below.

CompanyAverage Monthly Rate
Ameriprise Group$104.17
Mercury Insurance$115.74

Cheapest Insurance for 50 Year-olds in Scottsdale

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Scottsdale we found that Kemper Premium generally offers the most affordable coverage at $59.73 per month.

CompanyAverage Monthly Rate
Kemper Premium$59.73
Kemper Personal Insurance$63.00
Mercury Insurance$75.51

Cheapest Insurance for 60 Year-olds in Scottsdale

If you live in Scottsdale and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $74.45 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Ameriprise Group$75.25
Mercury Insurance$94.04
American Family$99.42

Driver's Coverage Auto Insurance Rates in Scottsdale, AZ

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Scottsdale, the average monthly rate for a driver who is currently insured is $118.73 while drivers who are not currently covered will pay around $135.38.

CoverageAverage Monthly Rate
Not Currently Insured $135.38
Currently Insured $118.73

Compare Recent Car Insurance Quotes in Scottsdale

auto insurance quotes in Scottsdale city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Scottsdale a driver of a 2018 Jeep Cherokee can expect to pay around $278.06 per month while someone that owns a 2020 Jeep Renegade may pay around $107.60 per month. Check out the list of recent quotes in Scottsdale below.

VehicleAverage Monthly Rate
2018 Jeep Cherokee$278.06
2020 Jeep Renegade$107.60
2018 Toyota Rav4$396.69
2012 Hyundai Genesis$169.02
2022 Kia K5$496.62

FAQ's for Drivers in Scottsdale, AZ

driver’s frequently asked question in Scottsdale

What Is the Minimum Liability Coverage Requirement in Scottsdale, AZ?

Every state requires drivers to have a minimum amount of liability coverage. Arizona drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; Coverage for serious or permanent injury or death to a single person
  • $30,000; Bodily injury coverage for two or more people; Coverage for serious or permanent injury or death to two or more people in a single accident
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Arizona mandates that all motor vehicles operated on roadways be covered by liability insurance through a company authorized to do business in the state. This requirement also pertains to motorcycles, golf carts, and mopeds. Minimum insurance levels in Arizona are $15,000 of bodily injury for one person and $30,000 for two or more people in an accident. The state also requires $10,000 of property damage liability.

What Is the Blood Alcohol Concentration (BAC) limit in Scottsdale, AZ?

It is against the law for anyone to operate a motor vehicle in Arizona with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • Any at under 21 years old

Arizona is a “no-tolerance” state regarding underage drinking; any positive reading, no matter how low the BAC percentage, is grounds for a DUI charge.

The Arizona Motor Vehicle Division classified DUIs by BAC, with a standard DUI requiring a BAC of 0.08% and an extreme DUI requiring a BAC of 0.15%.

Does Arizona allow the use of digital insurance cards?

Yes! Arizona motorists can use digital insurance cards as proof of appropriate coverage when pulled over or for any reason. Most carriers offer this option these days but check with yours to confirm.

Check Out Other Rates in Scottsdale, AZ Nearby Cities:

Apache Junction, AZ

Goodyear, AZ

Avondale, AZ

Mesa, AZ

Chandler, AZ

Peoria, AZ

Gilbert, AZ

Phoenix, AZ

Glendale, AZ

Tempe, AZ


Commute Time in Scottsdale, AZ

22.1 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Scottsdale, AZ


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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