Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Scottsdale for teen drivers is GEICO
  • Average car insurance rates in Scottsdale, AZ are $349/month
  • The cheapest car insurance company in Scottsdale after a DUI is GEICO

Average car insurance rates in Scottsdale, Arizona are $349 a month. But with a little research you can get a great deal from the top car insurance companies in Scottsdale, AZ. Before you buy Scottsdale, Arizona car insurance, make sure your coverage meets or exceeds the Arizona minimum of 15/30/10.

It may even be helpful to compare Scottsdale car insurance rates with Glendale car insurance rates, Tempe car insurance rates, or Peoria car insurance rates to make sure you’re getting the best Scottsdale, AZ car insurance quotes available.

Need affordable Scottsdale, AZ car insurance? Enter your ZIP code to compare Scottsdale car insurance quotes from multiple car insurance companies near you.

Scottsdale, AZ Minimum Car Insurance Coverage

Scottsdale, Arizona law requires drivers carry a minimum of 15/30/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Scottsdale, Arizona

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Scottsdale, AZ Car Insurance Rates by Coverage Level

Some Scottsdale drivers can get by with the Arizona minimum coverage of 15/30/10. Other drivers may need more. See how much your Scottsdale, Arizona car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Scottsdale, Arizona

Insurance Company Low Medium High
Allstate $5,023 $5,400 $5,690
American Family $4,220 $4,533 $4,424
Farmers $4,707 $5,559 $6,231
GEICO $1,967 $2,386 $2,688
Nationwide $3,639 $3,880 $3,975
Progressive $3,331 $3,880 $4,205
State Farm $4,748 $5,402 $5,747
Travelers $3,093 $3,541 $3,814
USAA $3,363 $3,718 $3,910

Scottsdale, AZ Car Insurance Rates by Age, Gender, and Marital Status

Scottsdale, Arizona car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Scottsdale, AZ car insurance, get quotes from multiple car insurance companies in the Scottsdale area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Scottsdale, Arizona

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,818 $3,818 $3,717 $3,717 $8,284 $10,711 $4,268 $4,638
American Family $2,895 $2,895 $2,657 $2,657 $7,690 $10,058 $2,895 $3,391
Farmers $2,937 $2,925 $2,609 $2,782 $12,766 $13,220 $3,324 $3,429
GEICO $1,595 $1,775 $1,353 $1,729 $4,607 $4,838 $1,456 $1,425
Nationwide $2,562 $2,603 $2,294 $2,424 $6,410 $8,191 $2,966 $3,202
Progressive $2,101 $1,831 $1,888 $1,795 $8,694 $9,661 $2,251 $2,221
State Farm $3,182 $3,182 $2,810 $2,810 $10,041 $12,601 $3,426 $4,341
Travelers $2,160 $2,272 $2,015 $2,141 $6,445 $8,141 $2,286 $2,402
USAA $1,968 $1,969 $1,836 $1,853 $7,597 $8,689 $2,608 $2,789

Scottsdale, AZ Car Insurance Rates for Teens

How much is Scottsdale, Arizona car insurance for teens? Compare rates from top Scottsdale car insurance companies below to help find the cheapest teen car insurance in Scottsdale, AZ.

Annual Car Insurance Rates for Teen Drivers in Scottsdale, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,284 $10,711
American Family $7,690 $10,058
Farmers $12,766 $13,220
GEICO $4,607 $4,838
Nationwide $6,410 $8,191
Progressive $8,694 $9,661
State Farm $10,041 $12,601
Travelers $6,445 $8,141
USAA $7,597 $8,689

Scottsdale, AZ Car Insurance Rates for Seniors

Before seniors buy Scottsdale, Arizona car insurance, they should make sure to shop around. Some Scottsdale, AZ car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Scottsdale, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,717 $3,717
American Family $2,657 $2,657
Farmers $2,609 $2,782
GEICO $1,353 $1,729
Nationwide $2,294 $2,424
Progressive $1,888 $1,795
State Farm $2,810 $2,810
Travelers $2,015 $2,141
USAA $1,836 $1,853

Scottsdale, AZ Car Insurance Rates by Credit History

How does your credit history affect Scottsdale, AZ car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Scottsdale, Arizona

Insurance Company Poor Fair Good
Allstate $6,863 $4,894 $4,357
American Family $5,522 $4,112 $3,543
Farmers $6,256 $5,250 $4,992
GEICO $3,226 $2,115 $1,700
Nationwide $4,611 $3,673 $3,210
Progressive $4,240 $3,709 $3,467
State Farm $9,753 $3,777 $2,367
Travelers $4,234 $3,457 $2,757
USAA $4,814 $3,370 $2,807

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Scottsdale, AZ Car Insurance Rates by Driver History

How does a single speeding ticket affect your Scottsdale, Arizona car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Scottsdale.

Annual Scottsdale, Arizona Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,293 $5,453 $6,178 $5,562
American Family $3,114 $4,820 $6,017 $3,618
Farmers $4,640 $6,000 $5,853 $5,503
GEICO $1,812 $2,462 $3,303 $1,812
Nationwide $3,244 $3,412 $5,043 $3,627
Progressive $3,356 $4,426 $3,541 $3,898
State Farm $4,810 $5,788 $5,299 $5,299
Travelers $2,781 $3,632 $4,050 $3,467
USAA $2,658 $3,824 $5,040 $3,132

Scottsdale, AZ Car Insurance Rates With a DUI

Even a single DUI can increase your Scottsdale, AZ car insurance rates. Compare rates below to see which Scottsdale car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Scottsdale, Arizona

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,178
American Family $6,017
Farmers $5,853
GEICO $3,303
Nationwide $5,043
Progressive $3,541
State Farm $5,299
Travelers $4,050
USAA $5,040

Scottsdale, AZ Car Insurance Rates by ZIP Code

Just like Scottsdale car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Scottsdale, AZ car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Scottsdale, Arizona

ZIP Code Average Annual Rates
85250 $4,267
85251 $4,305
85253 $4,309
85254 $4,379
85255 $4,058
85256 $4,374
85257 $4,205
85258 $4,111
85259 $4,321
85260 $4,225
85262 $3,905
85266 $4,068

Scottsdale, AZ Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Scottsdale, AZ car insurance rates may be. Let’s take a look at average car insurance rates from top Scottsdale companies based on commute time.

Annual Car Insurance Rates by Commute Length in Scottsdale, Arizona

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,371 $5,371
American Family $4,350 $4,434
Farmers $5,499 $5,499
GEICO $2,309 $2,386
Nationwide $3,831 $3,831
Progressive $3,805 $3,805
State Farm $5,165 $5,434
Travelers $3,483 $3,483
USAA $3,624 $3,703

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Scottsdale, AZ Cheapest Car Insurance Rates

How do the top Scottsdale, Arizona car insurance companies’ average rates stack up against the Scottsdale average monthly car insurance rates of $349? Take a look and see.

Best Annual Car Insurance Rates by Company in Scottsdale, Arizona

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Scottsdale, AZ Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Scottsdale, Arizona car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Scottsdale, Arizona

Insurance Company Average Annual Rates
Allstate $5,371
American Family $4,392
Farmers $5,499
GEICO $2,347
Nationwide $3,831
Progressive $3,805
State Farm $5,299
Travelers $3,483
USAA $3,664

Other Factors Affecting Scottsdale, AZ Car Insurance Rates

Before you buy Scottsdale, Arizona car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Scottsdale, AZ Car Theft Rates

The car theft rate in Scottsdale, AZ will affect your car insurance rates. FBI data shows that the annual car theft rate for Scottsdale, Arizona is 272 stolen cars.

Scottsdale, AZ Commute Time

How does your Scottsdale, AZ commute time compare with the average driver? In Scottsdale, the average commute is 22.3 minutes.

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Scottsdale, AZ Car Insurance Quotes

Compare Scottsdale, AZ car insurance quotes from multiple companies by entering your ZIP code now.