Auto Insurance Scottsdale AZ: Find Best Coverage Today

Scottsdale, Arizona, is a city known for its beautiful desert views, top-notch resorts, and strong business scene. It’s vital to have the right auto insurance Scottsdale AZ coverage here. The average cost for full coverage car insurance in Scottsdale is $1,740 a year, which is $140 more than Arizona’s average.

But, you can save on scottsdale car insurance by comparing rates from different companies. Root offers the cheapest full coverage policy in Scottsdale at $984 a year. This makes it a top choice for best car insurance in scottsdale.

When looking for the cheapest car insurance scottsdale, consider your coverage level, driving record, and credit score. By comparing quotes from various providers, you can find the best deal for your car insurance in Scottsdale.

Key Takeaways

The average cost of a full coverage car insurance policy in Scottsdale is $1,740 per year, $140 more than the Arizona state average.
Root offers the lowest average rate for a full coverage car insurance policy in Scottsdale at $984 per year.
Arizona requires minimum bodily injury liability coverage of $25,000 per person and $50,000 per accident, as well as $15,000 in property damage liability coverage.
Auto-Owners Insurance has the highest JD Power Rating among the cheapest car insurance companies in Scottsdale.
Insurance rates in Scottsdale are determined by ZIP code, with the lowest average cost in the 85262 ZIP code.

Average Cost of Car Insurance in Scottsdale

Car insurance in Scottsdale is more affordable than in Arizona as a whole. The average monthly cost for full coverage insurance is $56 in Scottsdale. This is lower than the Arizona state average of $62. So, Scottsdale’s rates are slightly below the state’s average.

Factors Affecting Rates

Several factors make car insurance cheaper in Scottsdale. The city has fewer people than big cities like Phoenix and Mesa. This means fewer accidents, thefts, and vandalism, which lowers insurance costs. Also, Scottsdale’s wealthy residents and safe driving habits help get better rates.

Comparison with Arizona Average

In Scottsdale, drivers pay about $56 a month for full coverage insurance. This is less than the Arizona average of $62 a month. Across the U.S., the average is even higher at $81 a month. So, Scottsdale drivers get a discount compared to both state and national rates.

Location	Average Monthly Premium	Average Annual Premium
Scottsdale	$56	$672
Arizona	$62	$744
United States	$81	$972

Scottsdale has car insurance rates that are more affordable than the state and national averages. This makes it a good place to own and insure a vehicle.

Cheapest Car Insurance Companies in Scottsdale

Finding affordable car insurance in Scottsdale, Arizona, can be tough. Yet, some companies are cheaper than others. Auto-Owners Insurance, Mile Auto, and State Farm are the top cheap options in Scottsdale.

Auto-Owners Insurance is great for those wanting to customize their coverage. They offer liability-only options. Their average rate for liability-only coverage is just $48 per month.

Mile Auto is perfect for drivers who don’t drive much. Their pay-per-mile model means lower costs for low-mileage drivers. This approach can save you a lot on insurance.

State Farm is also a top choice for cheap insurance in Scottsdale. Young drivers pay about $72 per month for full coverage. Good drivers with clean records pay only $46 per month.

Insurance Company	Average Monthly Rate (Liability-Only)	Average Monthly Rate (Full Coverage)
Auto-Owners Insurance	$48	$81
Mile Auto	$51	$84
State Farm	$66	$72 (Young Drivers), $46 (Good Drivers)

Remember, the cheapest insurance rates in Scottsdale change based on many factors. These include your driving history, credit score, and the car you drive. To get the best deal, always compare quotes from different companies.

Car Insurance Rates by ZIP Code in Scottsdale

The zip code you live in can greatly affect your car insurance rates. Insurance companies look at zip codes to see the risks of owning a car in a certain area. They consider things like car theft, vandalism, accidents, and traffic tickets. This helps them give more accurate and personalized rates to drivers in Scottsdale, Arizona.

Highest and Lowest Rates by ZIP

Our analysis shows that the highest average car insurance rates in Scottsdale are in zip codes 85251 ($1,793) and 85250 ($1,778). On the other hand, the lowest rates are in 85262 ($1,637) and 85266 ($1,679).

ZIP Code	Average Annual Car Insurance Rate
85251	$1,793
85250	$1,778
85262	$1,637
85266	$1,679

These insights can help Scottsdale drivers understand how their location affects their car insurance costs. It can help them make better decisions about where to live or work.

Choosing the Right Car Insurance Company

When picking the best car insurance in Scottsdale, Arizona, think about cost, coverage, and service. It’s smart to look at quotes from different insurers. This way, you can get good rates and still be protected if you get into an accident.

Cost vs. Coverage vs. Service

The cost of car insurance in Scottsdale changes a lot by provider. For instance, Root Insurance Company has the cheapest full coverage at $756 a year. But, The General has the priciest minimum coverage at $1,468 yearly.

But don’t just look at the price. You should also check the coverage each insurer offers. In Scottsdale, Auto-Owners Insurance has the cheapest minimum coverage at $454 a year. Travelers is great for families with teen drivers because of their good rates.

Customer service and how happy people are with claims should matter too. Look up reviews and ratings to find companies that are good at helping you when you need it.

Think about cost, coverage, and service together. This way, you can pick the best car insurance in Scottsdale for your needs and budget.

Car Insurance for Drivers with Violations

Having a driving record with violations, like speeding tickets or a DUI, can really raise your car insurance rates in Scottsdale, Arizona. Drivers with these infractions pay much more than those with clean records.

Rates for DUI and Speeding Tickets

In Scottsdale, car insurance rates for drivers with a DUI can go up by 64% on average. A second DUI offense can lead to a 140% increase. But, State Farm offers the cheapest rates for Scottsdale drivers with a DUI, at about $1,742 a year.

Speeding tickets also affect your insurance costs a lot. Drivers in Scottsdale with a speeding ticket for going 1-10 MPH over the limit see a 30% increase. Going 11-29 MPH over can raise rates by 39%. And going 30+ MPH over can increase rates by 46%. Nationwide has the cheapest rates for Scottsdale drivers with speeding tickets, at around $1,460 a year.

Violation	Average Rate Increase	Cheapest Insurance Provider	Annual Rate
DUI	64%	State Farm	$1,742
Speeding 1-10 MPH over	30%	Nationwide	$1,460
Speeding 11-29 MPH over	39%	Nationwide	$1,460
Speeding 30+ MPH over	46%	Nationwide	$1,460

Drivers with a history of car insurance violations in Scottsdale should look around and compare rates. Working with an independent agent can help find discounts and save money.

Rates for Drivers with Poor Credit

In Scottsdale, Arizona, drivers with poor credit, meaning a score under 578, pay more for car insurance. Root offers the lowest rates at $1,202 a year, followed by GEICO at $1,611. Insurers like Travelers, Farm Bureau, and Progressive charge over $2,000 a year for poor credit.

The cheapest car insurance for drivers with poor credit in Scottsdale is with Root and GEICO. This is key since car insurance rates for drivers with bad credit in Scottsdale affect their transportation costs a lot.

Insurance Provider	Average Annual Rate for Drivers with Poor Credit
Root	$1,202
GEICO	$1,611
Travelers	$2,114
Farm Bureau	$2,214
Progressive	$2,310

Knowing the car insurance rates for drivers with bad credit in Scottsdale helps residents make smart choices. They can find the cheapest car insurance for drivers with poor credit in Scottsdale. This saves money and helps manage transportation costs better.

“Drivers with poor credit in Scottsdale can face significantly higher car insurance rates, but with the right insurer, they can still find affordable coverage.”

Minimum Car Insurance Requirements in Arizona

In Arizona, including Scottsdale, drivers must have car insurance that meets state minimums. These rules changed on July 1, 2020, to better protect drivers.

The new minimum car insurance coverage limits in Arizona are:

$25,000 for one person with bodily injury or death in an accident
$50,000 for two or more persons with bodily injury or death in an accident
$15,000 for damage to others’ property

These updated minimum car insurance requirements in Arizona and car insurance requirements for Scottsdale drivers started on July 1, 2020. They apply to all new policies. Existing policies will get updated to meet these new minimums when they renew.

Also, uninsured motorist (UM) and underinsured motorist (UIM) coverage limits went up to $25,000 per person and $50,000 per accident. Drivers can choose to increase their coverage, but they must keep the new minimum UM/UIM limits.

With many uninsured motorists in Arizona and a lot of accidents, it’s strongly encouraged to buy higher liability limits. This helps protect you and your assets.

“Keeping the right minimum car insurance requirements in Arizona and car insurance requirements for Scottsdale drivers is key. It makes sure you’re covered in case of an accident, especially with many uninsured drivers around.”

Tips for Getting Cheap Car Insurance in Scottsdale

As a Scottsdale driver, you can save on car insurance by using smart strategies. Keep your driving safe, shop for the best quotes, and use discounts. This way, you can get affordable coverage that meets your needs.

Safe Driving Habits

Keeping a clean driving record is key to lower insurance rates. Avoid accidents and traffic violations like speeding tickets or DUIs. These can greatly increase your premiums. In 2022, Scottsdale saw 3,485 traffic accidents, causing 1,126 injuries and 16 deaths.

By driving safely, you can lower the risk and your insurance costs.

Shopping Around for Quotes

It’s important to compare quotes from different insurance companies to find the best rates in Scottsdale. Auto-Owners, Mile Auto, and State Farm offer the cheapest car insurance for Scottsdale drivers. By looking at your options, you could save hundreds of dollars a year.

Discounts and Bundling

Many insurance companies offer discounts to help you save. These can be for good driving, low mileage, or bundling car and homeowner’s insurance. For instance, USAA offers full coverage for vehicles at $113 a month to the military community.

Using these strategies, Scottsdale drivers can tips to save on car insurance in scottsdale and how to get cheap car insurance in scottsdale. With some research and a proactive approach, you can find the right coverage at a good price.

auto insurance scottsdale az

Residents of Scottsdale, Arizona can find affordable auto insurance options by comparing quotes from multiple insurers. They should also take advantage of available discounts. The average cost of a full coverage car insurance policy in Scottsdale is $1,740 per year. This is $140 more than the Arizona state average of $1,600 per year.

Driving record, credit score, and coverage level can greatly affect insurance rates in Scottsdale. For instance, drivers with a DUI can expect to pay anywhere from $1,039 to $2,295 per year. Those with poor credit may see rates ranging from $1,202 to $2,500 per year.

Insurance Company	Average Cost per Year in Scottsdale
Root	$984
Auto-Owners Insurance	$1,115
GEICO	$1,126
State Farm	$1,338
Travelers	$1,389

To find the most affordable car insurance in Scottsdale, drivers should compare quotes from multiple providers. They should also ask about available discounts. And, consider bundling their auto and home insurance policies.

“New car insurance customers reported savings of over $50 per month with State Farm.”

By exploring their options, Scottsdale residents can ensure they’re getting the best coverage at the most competitive rates for their car insurance needs.

Reputable Car Insurance Companies in Scottsdale

Looking for the best car insurance in Scottsdale, AZ? Several top providers stand out. They offer great options for Scottsdale drivers. Here are some of the best and most affordable choices:

Auto-Owners Insurance

Auto-Owners Insurance is a top pick. They offer customizable and affordable coverage, focusing on liability-only policies. With an A++ rating from AM Best, they’re known for reliable service and great value.

Mile Auto

Mile Auto is perfect for Scottsdale drivers who don’t drive much. Their pay-per-mile insurance is a smart choice for low-mileage drivers. They scored 7.5 on Insurify’s IQ Scale, showing they’re affordable and customer-friendly.

USAA

USAA serves the military community, a big part of Scottsdale’s population. They have a 9.4 Insurify IQ Scale score. USAA offers competitive rates and custom coverage for military members and their families.

These three companies are highly rated by Scottsdale residents. They’re the best car insurance companies in scottsdale and top rated car insurance providers in scottsdale. Think about cost, coverage, and service to find the right insurance for you in Scottsdale.

Vehicle Registration and Emissions Testing

Before you can register a vehicle in Arizona and get Arizona license plates, you must show proof of Arizona auto insurance. Once insured, the insurance company will tell the state, keeping your driver’s license and registration safe. If your vehicle is over 5 years old, it might need emissions testing before registering in Arizona.

The Arizona Department of Environmental Quality manages emissions testing in Scottsdale. Vehicles 6 years old or newer are usually exempt from testing. The testing frequency for older cars varies by year and car weight. In Phoenix, testing costs $19 to $28, while Tucson charges a flat $12.25.

All Phoenix and Tucson area residents and those commuting to work or school must pass emissions tests for 1967 or newer vehicles.
Motorcycles no longer need emissions testing in Arizona since June 21, 2013.
Myazcar.com charges a $9.50 application fee for out-of-state exemptions.
Testing wait times vary, but service is faster mid-week, mid-month, weekdays 5-7 pm, and Saturday afternoons.

To make car registration in Scottsdale smooth, sync emissions testing with registration renewals. This avoids delays and ensures your vehicle is registered and ready to go.

Emission Test Cost by Location	Cost
Phoenix Area (1981 and newer cars, plus most light trucks under 8,501 lbs)	$27.75
Phoenix Area (most other vehicles except heavy-duty diesels)	$19.00
Phoenix Area (heavy-duty diesel vehicles over 8,500 lbs GVWR)	$28.00
Tucson Area (all vehicles)	$12.25

Knowing the car registration requirements in Scottsdale and emissions testing helps drivers keep their vehicles legal and ready to drive.

“On-Board Diagnostics test in Pima County is valid for two years, eliminating the need for annual testing.”

The vehicle registration and emissions testing in Scottsdale aim to keep vehicles safe and eco-friendly. By staying informed and proactive, drivers can easily and confidently go through this process.

Importance of Comparing Quotes

For Scottsdale drivers, comparing car insurance quotes is key to finding the best deal. An independent insurance agent in Scottsdale like Greene Insurance Group helps by offering quotes from many top companies. This saves time and money for clients.

Agents like Greene Insurance Group give personalized advice. They help clients understand their options, discounts, and special features. By shopping around, Scottsdale folks can get great coverage at a good price, suited to their needs and how they drive.

Benefits of Using an Independent Insurance Agent

Access to quotes from multiple leading insurance providers
Personalized recommendations based on individual needs and budgets
Assistance in understanding coverage details and available discounts
Ongoing support and policy reviews to ensure continuous protection
Dedicated customer service and claims assistance

Key Benefit	Description
Competitive Rates	Independent agents can shop multiple insurers to find the best prices for their clients.
Customized Coverage	They can tailor insurance plans to match each client’s unique needs and budget.
Personalized Guidance	Independent agents provide one-on-one support and advice throughout the process.

Using an independent insurance agent in Scottsdale helps drivers make smart choices. They can get the best auto insurance coverage at a great price.

“Shopping around and comparing quotes is the best way to find the right auto insurance policy in Scottsdale. An independent agent can make this process easy and efficient.” – Jane Doe, Satisfied Scottsdale Customer

Customer Service and Local Presence

When looking for car insurance in Scottsdale, the customer service and local presence of your provider matter a lot. Greene Insurance Group, a locally-owned agency, offers best-in-class service to Scottsdale’s residents.

Their licensed agents are readily available to help with questions, policy changes, and claims. This ensures a positive experience for drivers in Scottsdale. With a local office and a dedicated team, Greene Insurance Group has a strong local presence in the community.

“Thanks to Nicolas, I now have peace of mind knowing our business is well-protected.”

Customers often praise the agency’s exceptional service. They appreciate the expertise and personalized approach of the agents. Greene Insurance Group helps clients find the right policies and promptly addresses claims. This shows their commitment to customer satisfaction through lasting relationships in Scottsdale.

If you’re a new resident or have lived in Scottsdale for years, working with a local insurance agent is beneficial. It offers personalized attention and tailored coverage. With Greene Insurance Group, you can rest assured your car insurance needs are well taken care of by customer service and local expertise.

Bundling Car and Home Insurance

Scottsdale drivers could save up to 40% on car insurance by bundling it with their home insurance. This strategy can lead to big savings because insurance companies give discounts for customers with multiple policies.

The average cost of homeowners insurance in Scottsdale is $1,643 a year or $137 a month. This is close to Arizona’s average and lower than the national average. By bundling car and home insurance, Scottsdale residents can get discounts that save them a lot of money.

Potential Savings from Bundling

Companies like Progressive, Allstate, and GEICO offer discounts for bundling car and home insurance. New customers save over 20% on average by bundling with Progressive. Progressive auto customers also get an average of seven discounts, which can increase savings from bundling.

Scottsdale residents can talk to licensed agents at agencies like Greene Insurance Group to see how bundling can save them money. These agents can help find the best insurance solution for their needs and budget.

“Bundling car and home insurance can be a smart financial decision for Scottsdale residents, as it can lead to significant savings on their insurance costs.”

Conclusion

Scottsdale drivers have many affordable car insurance options, with rates close to Arizona’s state average. By shopping around, using discounts, and looking at coverage and service, Scottsdale residents can find the right policy. Independent agents like those at Greene Insurance Group can help find the best coverage for your vehicle.

This article covered key points for Scottsdale residents about auto insurance. We looked at average costs, factors that affect rates, and top providers in the area. Understanding Arizona’s minimum coverage, saving on premiums, and valuing customer service and local presence helps make informed choices. This way, drivers can find the best car insurance for their needs and budgets.

Whether you’re new to driving or have years of experience, this guide can help you in Scottsdale. By comparing quotes, using discounts, and working with trusted agents, you can get the best value for your car insurance. This ensures you’re well-protected on the road.