Best Auto Insurance Rates in Scottsdale, Arizona

On average your neighbors pay $70 a month.

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Scottsdale, Arizona, an upscale suburb of Phoenix, and "The West's Most Western Town" has a bustling tourist industry. The city has over six million visitors annually. Scottsdale plays host to the Waste Management Phoenix Open, which is the most attended golf tournament in America. Whether you’re visiting Scottsdale or you’re a resident, you’ll want to make sure that you’re getting the cheapest car insurance rates you can find.

Average Scottsdale Car Insurance Rates

How much is car insurance in Scottsdale, AZ? Average car insurance rates in Scottsdale are slightly lower than the national average. The average cost of auto insurance in Arizona is $843.92. The national average price is $889.01 per year.

Prices may vary depending on your limits, coverage, and the total number of insurance claims filed in your zip code.

Arizona Average Annual Auto Insurance Rates
Coverage Rates
Liability $508.76
Collision $277.96
Comprehensive $186.12
Total Cost Per Year $843.92
Price Per Month $70.32
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year Arizona's rate data is available. According to the III, Arizona car insurance rates increased from $776 in 2011 to $844 in 2015, a jump of $67, or 8.67 percent.

Arizona average car insurance rates

QuoteWizard helps consumers compare quotes from both national car insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Scottsdale, Arizona and save up to 40% on your premium.

Last year, many people used QuoteWizard to compare car insurance quotes in Scottsdale, AZ from top companies to find the best rates.

Best Car Insurance Companies in Scottsdale, AZ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Scottsdale, Arizona last year.

Top 10 Vehicles

These are the most common car makes and models owned by Scottsdale, AZ drivers requesting quotes through QuoteWizard last year.

  1. Toyota Prius
  2. Honda Accord EX/LX
  3. Honda CR-V EX
  4. Ford F150
  5. Ford Mustang
  6. Honda Civic/ EX/LX
  7. Hyundai Sonata
  8. Ford Ranger
  9. Lexus Ranger
  10. Toyota Tacoma
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Minimum Car Insurance Requirements in Scottsdale, AZ

Scottsdale, Arizona has a minimum liability coverage requirement known as the 15/30/10 rule. This rule means drivers are required to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurer will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum amount your insurer will pay for property damage caused by a car accident.

The State of Arizona also allows residents the option of obtaining a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

Scottsdale Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Scottsdale ranked 16th out of the 200 cities in the report. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 10.9 years, slightly better than the national average.

Scottsdale drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Major factors that can influence insurance rates are weather and road conditions.

Weather

Like most of Arizona, Scottsdale has a hot desert like climate. The summers here are long and hot, experiencing 299 sunny days and 80 days with highs of 100+ degrees. The winters are short and temperatures rarely drop below 30 degrees. On average, Scottsdale has 36 days with any measurable precipitation and an average of only 8.1 inches of rain falls in Scottsdale annually. However, monsoon moisture can result in sudden downpours that can cause slick roads or flash floods that wash cars away.

Road Conditions

According to a recent study by TRIP, 16% of the major streets in Arizona are in poor condition.  Costing residents $1.5 billion a year in vehicle operating costs and repairs, which is an average of $318 per motorist.

Traffic Congestion

Maricopa County, where Scottsdale is located, along with Phoenix, has an average commute time of 26 minutes. During rush hour commute times average about 31 minutes. This isn’t terrible traffic congestion for a large sprawling city like Phoenix.

The Phoenix metropolitan area, according to TomTom's annual traffic index report, ranks 46th for worst traffic congestion in the United States.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving will give you a bad driving record. If that happens you could be required to buy high-risk auto insurance. This will lead to higher insurance rates.

Traffic Tickets

The City of Scottsdale Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.

Car Accident Statistics

Scottsdale recorded 4,163 traffic accidents in 2016 causing 1,313 injuries. This was nearly the same as 2015 when 4,013 crashes were reported.

Traffic Fatalities

Scottsdale experienced 16 fatal crashes in 2016 which was slightly worse than the 14 fatalities reported in 2015. While all traffic deaths are tragedies, with Scottsdale's estimated population of 226,918, this is a safe US city in terms of traffic fatalities.

Drunk Driving Accidents and Fatalities

Scottsdale reported 191 alcohol related crashes in 2016. These accidents caused 91 injuries and seven fatalities.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Scottsdale DUI insurance.

Vehicle Theft Rates

Scottsdale reported 192 vehicle thefts in 2016. A rate of 0.81 per 1,000 residents. This is much lower than the national average of 2.20 per 1,000 people.

Save With Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are a great way to lower your insurance rates. These are some of the many auto insurance discounts available to Scottsdale drivers depending on your insurer. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a quote.

  1. Keep your driving history clean. People without tickets or accidents on their record pay lower rates than high risk drivers
  2. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  3. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  4. Remove comprehensive coverage from your policy
  5. Maintain at least a B grade point average in school to qualify for the good student discount
  6. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  7. Drive less. Live close enough to work to qualify for the low mileage discount
  8. Bundle your auto policy with your homeowners or renters insurance. Bundling your policies together can save you up to 15%
  9. Take a defensive driving course from an accredited driving school
  10. Shop around and compare cheap Scottsdale car insurance quotes and discover all the discounts you qualify for

Sources:

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