Cheapest Car Insurance in Scottsdale, AZ (2022 Rates)

Progressive has the cheapest car insurance in Scottsdale at $122 a month for full coverage. Compare quotes to get your best rate.

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The cheapest car insurance rates in Scottsdale, Arizona, can be found at Progressive, according to our 2022 survey of providers. In Scottsdale, the company charges an average monthly rate of $122 for minimum-coverage car insurance.

Progressive also leads the way for full-coverage policies, charging an average of $141 per month. That said, there are other strong options for Scottsdale residents.

State Farm, GEICO and CSAA also offer competitive rates, all of which fall below the citywide average for both minimum and full coverages.

In this article

How much does car insurance cost in Scottsdale?

In Scottsdale, the average minimum-coverage car insurance policy costs $214 per month. That’s significantly more than the mean cost statewide, which is just $152 per month.

When it comes to full coverage, though, Scottsdale drivers actually have an advantage. Across Arizona, the average full-coverage rate is $265 per month, but in Scottsdale, it’s just $243.

Compare auto insurance quotes from multiple companies to get your best and cheapest rate in Scottsdale.

Cheapest car insurance quotes in Scottsdale: Progressive

Progressive has the best minimum-coverage car insurance rates for drivers in Scottsdale. On average, the provider charges a monthly premium of $122.

State Farm, GEICO and CSAA trail behind, with rates of $167, $176 and $179, respectively. Those costs all fall beneath the citywide average of $214 per month.

Minimum-coverage car insurance refers to a policy that meets the state’s legal minimum requirements. In Arizona, that means holding liability insurance in the following amounts:

  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to multiple people
  • $15,000 for property damage

It’s worth noting that Arizona’s coverage requirements apply to anyone driving a golf cart, motorcycle or moped, in addition to an automobile.

CHEAPEST CAR INSURANCE IN SCOTTSDALE FOR MINIMUM COVERAGE
Company Monthly rate
Progressive $122
State Farm $167
GEICO $176
CSAA $179
City average $214
American Family $250
Allstate $276
Farmers $325
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Get cheap car insurance in Scottsdale

For cheap full-coverage car insurance in Scottsdale, drivers should also turn to Progressive. The company charges just $141 per month — over $50 less than the next-best option.

But yet again, State Farm, GEICO and CSAA also offer rates that are well below the citywide average.

A full-coverage car insurance policy typically includes collision and comprehensive coverages, in addition to meeting the state’s minimum liability requirements. No state requires full coverage, but lenders and lessors might. It’s also a good option for those with new or expensive vehicles.

CHEAPEST CAR INSURANCE IN SCOTTSDALE FOR FULL COVERAGE
Company Monthly rate
Progressive $141
State Farm $193
GEICO $207
CSAA $212
City average $243
American Family $263
Allstate $304
Farmers $380
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance in Scottsdale for drivers with incidents: Progressive and State Farm

Progressive offers the most affordable car insurance for drivers with a DUI. There, Scottsdale drivers with one DUI on their record will find full-coverage policies for an average of $167 per month.

In Scottsdale, DUIs significantly increase the cost of car insurance. The average cost of full coverage citywide is just $243, but for those with a DUI, that number jumps to $351.

CHEAPEST CAR INSURANCE WITH A DUI
Company Monthly rate
Progressive $167
State Farm $213
American Family $353
CSAA $356
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Scottsdale drivers with an accident on their records, meanwhile, should turn to State Farm for cheap car insurance. The company has the best full-coverage rates for these drivers, charging $232 per month.

Progressive trails just behind, with a monthly rate of $241. After that, the next-best providers — CSAA and GEICO — are almost $100 more expensive.

CHEAPEST CAR INSURANCE WITH AN ACCIDENT
Company Monthly rate
State Farm $232
Progressive $241
CSAA $332
GEICO $336
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The cheapest car insurance for drivers with a speeding ticket on their record comes from Progressive. At Progressive, those drivers pay an average of $198 a month for full coverage.

In Scottsdale, the citywide average for drivers with a speeding ticket is $321 a month. State Farm, GEICO and CSAA all offer rates below that.

CHEAPEST CAR INSURANCE WITH AN ACCIDENT
Company Monthly rate
Progressive $198
State Farm $213
GEICO $253
CSAA $264
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheap car insurance in Scottsdale for teen drivers: CSAA

CSAA has the best minimum-coverage car insurance rates for teens in Scottsdale. There, it costs $369 per month to insure an 18-year-old with a cleaning driver record.

Overall, car insurance is expensive for teen drivers in Scottsdale. Based on our survey, the average premium for minimum coverage is $558 per month.

CHEAPEST CAR INSURANCE FOR TEENS (MINIMUM COVERAGE)
Company Monthly rate
CSAA $369
GEICO $405
State Farm $537
Allstate $597
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

CSAA also has the best full-coverage rates for teen drivers, charging $450 per month.

CHEAPEST CAR INSURANCE FOR TEENS (FULL COVERAGE)
Company Monthly rate
CSAA $450
GEICO $502
State Farm $629
Allstate $655
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare auto insurance quotes from top companies

Cheap car insurance in Scottsdale for senior drivers: Progressive

Senior drivers looking for cheap car insurance in Scottsdale should head to Progressive. On average, the company charges $109 per month for minimum coverage.

In our survey, “senior drivers” were classified as 60-year-olds with clean driving records.

CHEAPEST CAR INSURANCE FOR SENIORS (MINIMUM COVERAGE)
Company Monthly rate
Progressive $109
American Family $155
State Farm $156
GEICO $163
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Progressive also has the best full-coverage rates for seniors. With a monthly cost of $126, Progressive is nearly $40 cheaper than the next-best option.

In Scottsdale, seniors pay an average of $210 per month for full coverage. That’s a good bit less than the city’s overall average of $243.

CHEAPEST CAR INSURANCE FOR SENIORS (FULL COVERAGE)
Company Monthly rate
Progressive $126
American Family $164
State Farm $181
GEICO $192
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Scottsdale car insurance requirements

Scottsdale drivers must meet Arizona’s minimum-coverage requirements. That includes holding liability insurance of at least the following amounts:

  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to multiple people
  • $15,000 for property damage

The state’s minimum-coverage requirements also apply to anyone driving a golf cart, motorcycle or moped.

Full coverage, meanwhile, usually includes liability, collision and comprehensive coverages. Drivers may additionally elect to add coverage for things like uninsured motorists, towing fees or personal injury protection.

No state requires full-coverage car insurance, but many lenders and lessors do. It’s also not a bad idea for those with new or expensive cars.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Scottsdale ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Arizona’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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