How much does car insurance cost in Scottsdale, AZ? Check out the average rates that drivers pay below.
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.
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 $141.82 per month compared to the national average of $167.68 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.
Area | Average Monthly Rate |
---|---|
National | $167.68 |
Arizona | $147.53 |
Scottsdale, Arizona | $141.82 |
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 Premium generally has the most affordable car insurance in Scottsdale coming in around $44.67 per month. Other companies to consider if you live in Scottsdale is Ameriprise Group with an average cost of $90.00 per month and Clearcover which typically runs around $95.29 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Scottsdale.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Kemper Premium | $44.67 | -69.72% |
2 | Ameriprise Group | $90.00 | -38.99% |
3 | Clearcover | $95.29 | -35.41% |
4 | AssuranceAmerica Protect | $96.77 | -34.40% |
5 | Safeco | $111.74 | -24.26% |
6 | PEMCO | $113.58 | -23.01% |
7 | Mercury Insurance | $119.85 | -18.76% |
8 | Unigard | $122.67 | -16.85% |
9 | ACCC Insurance Company | $130.68 | -11.42% |
10 | Mercury | $135.79 | -7.96% |
Rates can vary from city to city. The residents of Apache Junction typically pay $116.69 per month while people who live in Casa Grande will pay $135.75 per month on average. See what people pay for car insurance in other cities in Arizona.
Arizona Cities | Monthly Average Rate |
---|---|
Apache Junction | $116.69 |
Casa Grande | $135.75 |
Chandler | $148.74 |
Flagstaff | $127.45 |
Gilbert | $176.62 |
Glendale | $178.33 |
Mesa | $149.51 |
Peoria | $157.97 |
Phoenix | $180.29 |
Prescott | $100.72 |
Scottsdale | $141.82 |
Surprise | $149.12 |
Tempe | $159.95 |
Tucson | $129.90 |
Yuma | $112.08 |
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 Code | Average Monthly Rate |
---|---|
85257 | $128.61 |
85260 | $142.72 |
85266 | $157.68 |
85255 | $115.65 |
85251 | $156.73 |
85254 | $149.23 |
85259 | $127.45 |
85258 | $138.27 |
85256 | $165.24 |
85250 | $154.48 |
85262 | $125.45 |
85268 | $114.79 |
85253 | $155.48 |
85252 | $293.05 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $106.66 per month in Scottsdale. Compare that to drivers in their 30’s who typically pay around $135.50 per month drivers in their 40s at $415.57 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 Group | Average Monthly Rate |
---|---|
60s | $106.66 |
30s | $158.18 |
70+ | $135.50 |
16-19 | $415.57 |
40s | $134.65 |
50s | $105.87 |
20s | $210.32 |
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, CSAA typically charges around $434.26 per month. This is likely the most affordable option in Scottsdale. You might also want to consider State Farm and USAA who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
CSAA | $434.26 |
State Farm | $453.34 |
USAA | $474.29 |
Nationwide | $476.56 |
Country | $479.43 |
20 year-olds in Scottsdale might want to consider Ameriprise Group who, on average, offers car insurance rates around $68.50 per month. Clearcover , PEMCO , Safeco and Unigard are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Ameriprise Group | $68.50 |
Clearcover | $94.22 |
PEMCO | $113.58 |
Safeco | $119.59 |
Unigard | $122.67 |
If you are in your 30s in Scottsdale our research has found that Clearcover typically has the most affordable coverage coming in around $91.66 per month, followed by Mercury Insurance at $106.13 and Ameriprise Group at $111.50.
Company | Average Monthly Rate |
---|---|
Clearcover | $91.66 |
Mercury Insurance | $106.13 |
Ameriprise Group | $111.50 |
Safeco | $126.75 |
ACCC Insurance Company | $126.94 |
On average, Clearcover offers car insurance for 40 year-olds in Scottsdale for around $72.19 per month. If you are looking for affordable coverage, you may also want to consider Safeco or ACCC Insurance Company. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Clearcover | $72.19 |
Safeco | $87.22 |
ACCC Insurance Company | $110.20 |
Mercury | $111.33 |
USAA | $119.25 |
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 $44.67 per month.
Company | Average Monthly Rate |
---|---|
Kemper Premium | $44.67 |
Clearcover | $78.58 |
Mercury Insurance | $85.19 |
Safeco | $89.14 |
AssuranceAmerica Protect | $96.77 |
If you live in Scottsdale and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $82.26 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
Clearcover | $82.26 |
Mercury Insurance | $95.04 |
Mercury | $97.66 |
ACCC Insurance Company | $97.71 |
Safeco | $103.47 |
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 $159.32 while drivers who are not currently covered will pay around $135.08.
Coverage | Average Monthly Rate |
---|---|
Currently Insured | $135.08 |
Not Currently Insured | $159.32 |
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 $248.39 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.
Vehicle | Average Monthly Rate |
---|---|
2018 Jeep Cherokee | $248.39 |
2020 Jeep Renegade | $107.60 |
2018 Toyota Rav4 | $396.69 |
2012 Hyundai Genesis | $169.02 |
2022 Kia K5 | $496.62 |
2007 Jaguar Xk | $337.81 |
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.
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:
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:
Commute Time in Scottsdale, AZ
22.1 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Scottsdale, AZ
216 Methodology
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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