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How much is car insurance in Scottsdale?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $6 a month cheaper to insure your vehicle in Scottsdale than it is in the rest of Arizona.
Similarly, car insurance rates in Scottsdale are often favorable when viewed against the rest of the country. The average monthly payment in Scottsdale is about $25 cheaper than the rate for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Scottsdale, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Scottsdale residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to go back up in Scottsdale.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The price for car insurance in Scottsdale, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Scottsdale with a single accident on their record will usually see rates around $77 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $81.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$50|
The most affordable vehicles to insure in Scottsdale are typically trucks and vans, which run about $52 per month.
SUV drivers will see rates of about $55, while the rates for car owners average out to about $57 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Scottsdale, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Vehicle age can also affect your monthly bill. Overall, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Scottsdale, however, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Overall, people who are married will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Scottsdale can be as much as $7 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
Your living accommodations is another factor that affects your monthly rate. In Scottsdale, homeowners can expect to pay around $7 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Scottsdale, AZ
Recent trends in car insurance for Scottsdale drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The rates for auto insurance in Scottsdale dropped from 2017-2018 -- where they reached a low of $51 -- before leveling out in 2019. Policy premiums decreased again in 2020, and finished up at $61 in 2022.
How does Scottsdale compare to neighboring areas?
Why are car insurance rates in Scottsdale different from other areas?
There are a lot of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Road safety
- Local crime rates
- Area laws
- Amount of off-street parking
- Amount of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Scottsdale?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Scottsdale in no time.
Scottsdale Insurance FAQs
What factors affect car insurance quotes in Scottsdale?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Scottsdale different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Scottsdale?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Scottsdale?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Scottsdale or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.