+120 more*These quotes are from Compare.com users in and around Scottsdale, Arizona within the last 10 days. Updated on May 7, 2026
*These quotes are from Compare.com users in and around Scottsdale, Arizona within the last 10 days. Updated on May 7, 2026
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Car insurance rates in Scottsdale, Arizona, fall below the national average despite the area being a popular tourist destination with busy, congested roads.[1] Scottsdale drivers spend an average of $130 per month on auto insurance.
You can find rates well below the citywide average from several companies, including Just Pay-Per-Mile, Auto-Owners, and Mile Auto. Rates start as low as $64 per month, according to Compare.com data.
Keep reading to learn more about the cheapest car insurers for different driver profiles, how to choose the right company, and tips for saving on car insurance in Scottsdale.
Just Pay-Per-Mile is the cheapest auto insurer in Scottsdale, with rates averaging $103 per month.
The average rate for liability coverage in Scottsdale is $103 per month and $158 for full coverage.
Arizona requires all drivers to have at least 25/50/15 in liability coverage.[2]
If you want to find the cheapest car insurance in Scottsdale, there are several things you can do to save. You can increase your deductible, maintain a clean driving history, bundle your home and auto coverage, and compare car insurance companies to find the best deal.
Start your search with the companies below. Our data shows that these are the cheapest car insurers in Scottsdale.
Company  | Average Monthly Premium |
|---|---|
| Just Pay-Per-Mile | $64 |
| Auto-Owners | $65 |
| Mile Auto | $70 |
| Progressive | $73 |
| State Farm | $79 |
| Certainly | $80 |
| Sun Coast | $80 |
| Aspire General | $84 |
| Novo Flex | $87 |
| Mercury | $89 |
| USAA | $89 |
| The General | $93 |
| Novo Next | $94 |
| Novo | $99 |
| Dairyland | $102 |
| Just Unlimited | $104 |
| Hiroad | $105 |
| Safeco | $107 |
| GEICO | $108 |
| Bristol West | $109 |
| National General | $111 |
| Direct Auto | $113 |
| Trexis | $122 |
| Commonwealth Casualty | $124 |
| Clearcover | $125 |
| AssuranceAmerica | $126 |
| GAINSCO | $128 |
| Root | $128 |
| Allstate | $133 |
| Travelers | $137 |
| Covercube | $138 |
| Country Financial | $155 |
| American Family | $156 |
| The Hartford | $160 |
| Farmers | $161 |
| Liberty Mutual | $175 |
| Nationwide | $180 |
| Foremost | $217 |
$130 offers the cheapest car insurance rates in Scottsdale, at an average of $103 per month.
In the following sections, we highlight the cheapest car insurance companies for different types of Scottsdale drivers.
Get personalized quotes from top insurers and save money today.
The insurers listed in the table above are a good starting point for finding the cheapest car insurance in Scottsdale. That said, your actual rate will depend on various factors like your age, driving history, and location.
Below, we highlight the cheapest insurance companies for a variety of backgrounds and coverages.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Just Pay-Per-Mile | $64 |
| Full coverage | Auto-Owners | $111 |
| Teens | Just Pay-Per-Mile | $137 |
| Seniors | Just Pay-Per-Mile | $54 |
| Drivers with a speeding ticket | Just Pay-Per-Mile | $81 |
| Drivers with an at-fault accident | Just Pay-Per-Mile | $86 |
| Drivers with a DUI | Just Pay-Per-Mile | $87 |
| Drivers with excellent credit | Just Pay-Per-Mile | $56 |
| Drivers with poor credit | Just Pay-Per-Mile | $80 |
The sections below go into more detail about each driver and coverage type.
In Arizona, drivers must provide proof of financial responsibility when operating a vehicle. The state requires drivers to have bodily injury and property damage coverage.[3] The average rate for minimum coverage in Scottsdale is $103 per month, according to Compare.com data.
Liability coverage only covers injuries and damages to the other driver, so you may want to consider getting more coverage to ensure coverage for you and your passengers. That’s why most insurance experts recommend purchasing more coverage than the state requires, as a serious accident could exceed your insurance limits.[4]
The following chart lists the five cheapest insurance companies for state-minimum coverage, according to our research.
Company | Average Monthly Premium |
|---|---|
| Just Pay-Per-Mile | $64 |
| Auto-Owners | $65 |
| Mile Auto | $70 |
| Progressive | $73 |
| State Farm | $79 |
| Certainly | $80 |
| Sun Coast | $80 |
| Aspire General | $84 |
| Novo Flex | $87 |
| Mercury | $89 |
| USAA | $89 |
| The General | $93 |
| Novo Next | $94 |
| Novo | $99 |
| Dairyland | $102 |
| Just Unlimited | $104 |
| Hiroad | $105 |
| Safeco | $107 |
| GEICO | $108 |
| Bristol West | $109 |
| National General | $111 |
| Direct Auto | $113 |
| Trexis | $122 |
| Commonwealth Casualty | $124 |
| Clearcover | $125 |
| AssuranceAmerica | $126 |
| GAINSCO | $128 |
| Root | $128 |
| Allstate | $133 |
| Travelers | $137 |
| Covercube | $138 |
| Country Financial | $155 |
| American Family | $156 |
| The Hartford | $160 |
| Farmers | $161 |
| Liberty Mutual | $175 |
| Nationwide | $180 |
| Foremost | $217 |
Most drivers should consider full-coverage car insurance to cover themselves and their vehicle if they get into an accident. A full-coverage policy typically includes liability, collision, and comprehensive insurance. But it could include other coverages like uninsured motorist coverage.
Full coverage is optional unless you finance or lease your car, as most lenders require it to protect their investment. Drivers in Scottsdale pay an average of $158 per month for full coverage.
The chart below highlights the five cheapest insurance companies in Scottsdale for full-coverage insurance, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $111 |
| Just Pay-Per-Mile | $119 |
| Mile Auto | $121 |
| Novo Flex | $121 |
| Novo Next | $128 |
| State Farm | $137 |
| Sun Coast | $137 |
| Safeco | $147 |
| Progressive | $149 |
| Novo | $151 |
| USAA | $153 |
| Mercury | $154 |
| Aspire General | $162 |
| GEICO | $176 |
| Hiroad | $191 |
| Root | $197 |
| Bristol West | $201 |
| Just Unlimited | $201 |
| Clearcover | $204 |
| Direct Auto | $207 |
| National General | $212 |
| Certainly | $216 |
| Liberty Mutual | $223 |
| The General | $227 |
| Allstate | $228 |
| Travelers | $236 |
| Trexis | $241 |
| AssuranceAmerica | $242 |
| Commonwealth Casualty | $257 |
| Dairyland | $259 |
| Country Financial | $267 |
| American Family | $268 |
| Covercube | $274 |
| The Hartford | $275 |
| Farmers | $277 |
| GAINSCO | $281 |
| Nationwide | $310 |
| Foremost | $426 |
Teen drivers pay some of the highest insurance premiums of any age group, primarily due to their lack of experience and tendency to engage in risky behaviors like not wearing a seat belt. They also have a higher crash risk compared to other age groups.[5]
Scottsdale teens pay an average of $277 per month for car insurance. While this might seem expensive, it is possible to find insurers that offer a good deal. Check out the following chart for the five cheapest insurers in Scottsdale for teens, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Just Pay-Per-Mile | $137 |
| Auto-Owners | $143 |
| Mile Auto | $155 |
| Progressive | $156 |
| State Farm | $166 |
| Certainly | $171 |
| Sun Coast | $171 |
| Mercury | $177 |
| USAA | $179 |
| Aspire General | $179 |
| The General | $182 |
| Novo Flex | $186 |
| Dairyland | $194 |
| Novo Next | $201 |
| Bristol West | $211 |
| Novo | $211 |
| GEICO | $212 |
| Just Unlimited | $222 |
| Hiroad | $224 |
| Clearcover | $225 |
| Safeco | $234 |
| Direct Auto | $237 |
| National General | $240 |
| Root | $243 |
| GAINSCO | $249 |
| Commonwealth Casualty | $252 |
| Trexis | $260 |
| Country Financial | $274 |
| AssuranceAmerica | $281 |
| Allstate | $285 |
| Covercube | $294 |
| Travelers | $308 |
| American Family | $321 |
| Liberty Mutual | $335 |
| Farmers | $348 |
| Nationwide | $380 |
| The Hartford | $387 |
Senior drivers usually pay some of the cheapest insurance rates of any age group, thanks to more driving experience, driving less, and obeying speed limits. Because older drivers pose less risk, many insurance companies offer discounts to drivers older than 55.[6]
The average auto insurance rate for senior drivers in Scottsdale is $110 per month, according to Compare.com data. Even with these low rates, you can get even cheaper rates with several insurers.
The following chart lists the five cheapest insurers in Scottsdale for senior drivers, according to our data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $51 |
| Just Pay-Per-Mile | $54 |
| Mile Auto | $55 |
| State Farm | $61 |
| Progressive | $62 |
| Certainly | $68 |
| Sun Coast | $68 |
| Mercury | $70 |
| Aspire General | $71 |
| USAA | $71 |
| Novo Flex | $74 |
| The General | $79 |
| Novo Next | $80 |
| Novo | $84 |
| GEICO | $85 |
| Dairyland | $86 |
| National General | $86 |
| Just Unlimited | $88 |
| Hiroad | $89 |
| Bristol West | $90 |
| Direct Auto | $92 |
| Safeco | $93 |
| AssuranceAmerica | $98 |
| Commonwealth Casualty | $99 |
| Trexis | $103 |
| Root | $106 |
| Allstate | $107 |
| Travelers | $108 |
| GAINSCO | $108 |
| Clearcover | $110 |
| The Hartford | $113 |
| Covercube | $117 |
| Country Financial | $122 |
| American Family | $123 |
| Farmers | $126 |
| Nationwide | $136 |
| Liberty Mutual | $144 |
To keep your insurance premiums down, aim to keep a clean driving record. Getting a speeding ticket can cause your rates to go up when your policy renews. Our research shows that a single speeding ticket causes average rates to increase by 37% nationwide.
Scottsdale drivers with a recent ticket pay an average of $165 per month. But a ticket doesn’t have to keep you from getting cheaper rates.
In the chart below, we highlight the five cheapest insurers in Scottsdale for drivers with recent tickets.
Company | Average Monthly Premium |
|---|---|
| Just Pay-Per-Mile | $81 |
| Auto-Owners | $85 |
| Mile Auto | $86 |
| Progressive | $92 |
| State Farm | $101 |
| Certainly | $101 |
| Sun Coast | $101 |
| Aspire General | $106 |
| Novo Flex | $110 |
| USAA | $116 |
| Novo Next | $119 |
| Mercury | $124 |
| The General | $125 |
| Novo | $125 |
| Dairyland | $128 |
| Just Unlimited | $132 |
| Hiroad | $133 |
| Bristol West | $138 |
| National General | $139 |
| Safeco | $141 |
| GEICO | $142 |
| Direct Auto | $143 |
| Commonwealth Casualty | $148 |
| GAINSCO | $154 |
| Trexis | $154 |
| Clearcover | $160 |
| AssuranceAmerica | $161 |
| Root | $172 |
| Allstate | $174 |
| Covercube | $175 |
| Travelers | $179 |
| American Family | $203 |
| Farmers | $208 |
| Country Financial | $211 |
| The Hartford | $222 |
| Liberty Mutual | $224 |
| Nationwide | $235 |
If you cause an accident, you can expect a substantial increase in your insurance rates. Our research shows that even a single at-fault accident can cause your rates to increase by 41% nationwide.
The average Scottsdale driver with a recent accident pays a monthly premium of $175, according to Compare.com data. But you might be able to find a better deal with one of the five insurers in the chart below.
Company | Average Monthly Premium |
|---|---|
| Just Pay-Per-Mile | $86 |
| Auto-Owners | $87 |
| Mile Auto | $95 |
| Progressive | $98 |
| State Farm | $106 |
| Certainly | $108 |
| Sun Coast | $108 |
| Aspire General | $113 |
| Novo Flex | $117 |
| USAA | $121 |
| Novo Next | $127 |
| The General | $129 |
| Novo | $133 |
| Mercury | $135 |
| Dairyland | $136 |
| Just Unlimited | $140 |
| Hiroad | $141 |
| GEICO | $143 |
| Bristol West | $145 |
| National General | $149 |
| Safeco | $150 |
| Direct Auto | $156 |
| Trexis | $164 |
| Commonwealth Casualty | $166 |
| GAINSCO | $166 |
| AssuranceAmerica | $169 |
| Root | $174 |
| Allstate | $180 |
| Clearcover | $180 |
| Covercube | $186 |
| Travelers | $187 |
| American Family | $212 |
| Country Financial | $214 |
| Farmers | $217 |
| The Hartford | $225 |
| Liberty Mutual | $235 |
| Nationwide | $245 |
Driving under the influence (DUI) can cause the sharpest increase to your car insurance premiums of any incident. We found that average rates increase by 61% nationwide after a DUI conviction. In addition to higher insurance premiums, a DUI in Arizona can result in a fine, license suspension, jail time, and having to install an interlock ignition device in your vehicle.[7]
On average, drivers with a DUI conviction in Scottsdale pay $178 per month for coverage. But DUI doesn’t mean you’ll be stuck with sky-high rates.
If you have a recent DUI, check out the chart below for the five cheapest insurers in Scottsdale, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Just Pay-Per-Mile | $87 |
| Auto-Owners | $91 |
| Mile Auto | $98 |
| Progressive | $100 |
| Certainly | $109 |
| Sun Coast | $109 |
| State Farm | $111 |
| Aspire General | $115 |
| Novo Flex | $119 |
| USAA | $125 |
| The General | $126 |
| Novo Next | $128 |
| Mercury | $132 |
| Novo | $135 |
| Just Unlimited | $142 |
| Dairyland | $143 |
| Hiroad | $143 |
| GEICO | $150 |
| Bristol West | $153 |
| National General | $156 |
| Direct Auto | $158 |
| Safeco | $159 |
| Trexis | $167 |
| Commonwealth Casualty | $168 |
| Clearcover | $175 |
| AssuranceAmerica | $177 |
| GAINSCO | $179 |
| Root | $181 |
| Allstate | $186 |
| Covercube | $189 |
| Travelers | $192 |
| Country Financial | $212 |
| American Family | $219 |
| Farmers | $226 |
| The Hartford | $235 |
| Liberty Mutual | $245 |
| Nationwide | $252 |
Depending on where you live, some car insurance companies can use your credit history when setting your rates. Insurers do this because data suggests that people who practice good credit habits are likely to have fewer and less severe claims.[8] Our research shows that drivers with poor credit pay 20% more, on average, than drivers with excellent credit.
The average rate for drivers with poor credit in Scottsdale is $163, according to our data. But not all companies look at your credit, and some even offer affordable rates, regardless of your credit history.
The chart below shows the five cheapest insurers in Scottsdale for drivers with poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Just Pay-Per-Mile | $80 |
| Mile Auto | $86 |
| Progressive | $91 |
| Auto-Owners | $97 |
| Certainly | $100 |
| Sun Coast | $100 |
| Aspire General | $105 |
| Novo Flex | $109 |
| Mercury | $109 |
| USAA | $109 |
| State Farm | $114 |
| The General | $115 |
| Novo Next | $118 |
| Novo | $124 |
| Dairyland | $126 |
| Just Unlimited | $130 |
| Hiroad | $131 |
| Safeco | $132 |
| GEICO | $133 |
| Bristol West | $134 |
| National General | $137 |
| Direct Auto | $139 |
| Trexis | $153 |
| Commonwealth Casualty | $153 |
| Clearcover | $154 |
| AssuranceAmerica | $155 |
| GAINSCO | $158 |
| Root | $158 |
| Allstate | $164 |
| Travelers | $169 |
| Covercube | $173 |
| Country Financial | $187 |
| American Family | $188 |
| Farmers | $199 |
| The Hartford | $206 |
| Liberty Mutual | $210 |
| Nationwide | $222 |
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Like nearly every state, Arizona requires all drivers to meet minimum car insurance requirements. Keep in mind that these minimum insurance requirements also apply to golf carts, motorcycles, and mopeds.
Drivers in the Grand Canyon State must meet the following auto insurance requirements:
$25,000 per person for bodily injury or death
$50,000 per accident for bodily injury or death
$15,000 of property damage coverage
As we previously mentioned, liability insurance covers injuries and damages to the other driver if you cause an accident. It doesn’t cover you, your passengers, or your vehicle. Say you rear-end another vehicle on the highway, causing extensive vehicle damage to both your car and theirs. If the damage exceeds your $15,000 limit, you’d have to pay the rest out of pocket.
If you want to ensure you have adequate protection, most experts recommend buying coverage that exceeds the state’s minimum requirements. While optional, a full-coverage policy can protect you against vehicle damage from theft, an object, natural disasters, and more.
Remember, your lender will require comprehensive and collision coverage if you finance or lease a vehicle.
With so many insurers to choose from, finding the right company for your needs can feel challenging. Check out the following answers to some common questions about auto insurance in Scottsdale.
Scottsdale drivers pay an average of $130 per month for car insurance, according to Compare.com data. Liability coverage costs an average of $103 per month, and full coverage costs $158.
Just Pay-Per-Mile offers the cheapest car insurance in Scottsdale, with rates as low as $64 per month, according to Compare.com data.
No. The average cost of car insurance in Scottsdale is $130 per month, according to our data. That’s cheaper than the national average of $140. Still, your car insurance premiums will depend on various factors, including your age, driving record, ZIP code, and the type of car you drive.
Just Pay-Per-Mile has the cheapest car insurance in Arizona, with an average monthly rate of $64, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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