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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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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 $127 per month on auto insurance.
You can find rates well below the citywide average from several companies, including Mile Auto, Auto-Owners, and National General. Rates start as low as $61 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.
Mile Auto is the cheapest auto insurer in Scottsdale, with rates averaging $98 per month.
The average rate for liability coverage in Scottsdale is $98 per month and $155 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 |
|---|---|
| Mile Auto | $61 |
| Auto-Owners | $80 |
| National General | $84 |
| Sun Coast | $90 |
| Mercury | $99 |
| State Farm | $100 |
| Dairyland | $102 |
| Progressive | $104 |
| The General | $108 |
| Safeco | $109 |
| USAA | $111 |
| Bristol West | $112 |
| Root | $112 |
| Direct Auto | $114 |
| Clearcover | $130 |
| GEICO | $132 |
| Metromile | $133 |
| GAINSCO | $137 |
| AssuranceAmerica | $146 |
| Commonwealth Casualty | $162 |
| Allstate | $166 |
| Travelers | $172 |
| Liberty Mutual | $175 |
| COUNTRY Financial | $194 |
| American Family | $195 |
| The Hartford | $201 |
| Farmers | $202 |
| Foremost | $217 |
| Nationwide | $225 |
$127 offers the cheapest car insurance rates in Scottsdale, at an average of $98 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 | Mile Auto | $61 |
| Full coverage | Mile Auto | $101 |
| Teens | Mile Auto | $134 |
| Seniors | Mile Auto | $48 |
| Drivers with a speeding ticket | Mile Auto | $72 |
| Drivers with an at-fault accident | Mile Auto | $79 |
| Drivers with a DUI | Mile Auto | $87 |
| Drivers with excellent credit | Mile Auto | $50 |
| Drivers with poor credit | Mile Auto | $71 |
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 $98 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.
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 $155 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.
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 $270 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.
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 $107 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.
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 $156 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.
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 $162, 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.
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 $170 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.
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 $140, 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.
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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 $127 per month for car insurance, according to Compare.com data. Liability coverage costs an average of $98 per month, and full coverage costs $155.
Mile Auto offers the cheapest car insurance in Scottsdale, with rates as low as $61 per month, according to Compare.com data.
No. The average cost of car insurance in Scottsdale is $127 per month, according to our data. That’s cheaper than the national average of $142. Still, your car insurance premiums will depend on various factors, including your age, driving record, ZIP code, and the type of car you drive.
Mile Auto has the cheapest car insurance in Arizona, with an average monthly rate of $61, 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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Learn more about us, our team, and what makes us tick.
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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