The Cheapest Auto Insurance Companies in Scottsdale, Arizona, in 2025

Mile Auto offers the cheapest auto insurance rates in Scottsdale. But personal rates can vary widely based on factors such as your age, driving record, and location.

Secure. Free. Easy-to-use.
Excellent
Been here before? Get your quotes back.
State farm LogoProgressive LogoAllstate LogoLiberty Mutual LogoUSAA LogoThe General Logo+120 more
Jessica Martel
Written byJessica Martel
Jessica Martel
Jessica MartelPersonal Finance Writer

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
Lequita WestbrooksSenior Editor

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.

Updated

Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Advertiser Disclosure

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.

While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.

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.

Key Takeaways
  • 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]

The Cheapest Car Insurance Companies in Scottsdale, Arizona

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.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Company
sort ascsort desc
Average Monthly Premium
sort ascsort desc
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
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

$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.

Find Cheap Car Insurance in Scottsdale

Get personalized quotes from top insurers and save money today.

Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest Car Insurance in Scottsdale by Driver and Coverage Type

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
sort ascsort desc
Cheapest Insurer
sort ascsort desc
Insurer’s Average Monthly Premium
sort ascsort desc
State-minimum coverageMile Auto$61
Full coverageMile Auto$101
TeensMile Auto$134
SeniorsMile Auto$48
Drivers with a speeding ticketMile Auto$72
Drivers with an at-fault accidentMile Auto$79
Drivers with a DUIMile Auto$87
Drivers with excellent creditMile Auto$50
Drivers with poor creditMile Auto$71
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

    Average Liability Rates by Company

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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.

    Average Full-Coverage Rates by Company

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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.

    Average Rates for Teens

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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.

    Average Rates for Seniors

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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.

    Average Rates With a Ticket

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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.

    Average Rates With an Accident

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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.

    Average Rates With a DUI

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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.

    Average Rates With Bad Credit

    Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Arizona Auto Insurance Requirements

Aerial view of a city skyline at sunset, with vibrant orange and pink clouds, tall buildings, and sprawling urban landscape.

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

Is minimum coverage enough in Scottsdale?

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.

Scottsdale Auto Insurance FAQs

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.

  • How much is car 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.

  • What’s the cheapest auto insurance company in Scottsdale?

    Mile Auto offers the cheapest car insurance in Scottsdale, with rates as low as $61 per month, according to Compare.com data.

  • Is car insurance in Scottsdale expensive?

    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.

  • What company offers the cheapest car insurance in Arizona?

    Mile Auto has the cheapest car insurance in Arizona, with an average monthly rate of $61, according to Compare.com data.

Methodology

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.

Related Articles

Sources

  1. City of Scottsdale. "Community Profile."
  2. Department of Transportation. "What is "mandatory insurance"?."
  3. DIFI. "Minimum Coverage Required for Arizona Drivers."
  4. III. "How much auto coverage do I need?."
  5. Teen Drivers. "Risk Factors for Teen Drivers."
  6. III. "Senior driving safety and insurance tips."
  7. Arizona Department of Public Safety. "Safety Messages."
  8. Arizona Department of Insurance. "Consumer Guide to Understanding How Insurers Use Credit."
About Compare.com

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.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Jessica Martel
Jessica MartelPersonal Finance Writer

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
Edited byLequita WestbrooksSenior Editor
Lequita Westbrooks
Lequita WestbrooksSenior Editor

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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 1395+ reviews
4.7/5
Shopper Approved
ProgressiveLiberty MutualAllstate