Table of contents
How much is car insurance in Scottsdale?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Scottsdale are about the same as the rest of Arizona.
When viewed against the average rates for the rest of the U.S., however, coverage in Scottsdale is rather affordable. You can expect to pay about $22 below the national average for auto insurance in Scottsdale.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But don't worry, we ve broken down the average rate 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. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experienced you are on the roads. When it comes to your monthly premium, that experience can really pay off. As you can see in the table above, teenage drivers can pay as much as four times as much as those who are approaching retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates begin to climb back up.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Scottsdale, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Scottsdale with one accident will pay around $78 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $108.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$51|
The cheapest vehicles to insure in Scottsdale are SUVs, trucks, and vans.
Monthly premiums for car owners cost about $57 on average, while the rates for SUV owners are around $54.
Truck and van drivers typically pay around $54 as well.
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)||$59|
Generally, those who are currently married will pay slightly less for their car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
As you can see in the table above, that difference is around $8 a month for drivers in Scottsdale.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
Another factor taken into consideration is your living situation. Homeowners in Scottsdale can expect to pay around $6 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Scottsdale, AZ
Recent trends in car insurance for Scottsdale drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
Car insurance rates in Scottsdale have been steadily decreasing over the past several years, reaching a low of $51 in 2021.
How does Scottsdale compare to neighboring areas?
Why are car insurance rates in Scottsdale different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of drivers in the region
- Local crime rates
- Amount of off-street parking
- Road safety
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Scottsdale?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, 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 that offer coverage in Scottsdale in no time.
Scottsdale Insurance FAQs
What factors affect car insurance quotes in Scottsdale?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Scottsdale different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
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 time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Scottsdale or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.