Cheapest Car Insurance In Scottsdale, AZ 2025
Among insurers in Scottsdale, GEICO has the lowest monthly cost for minimum coverage at $37.
We’ve saved shoppers an average of $600 per year on their car insurance.
Trying to find the most affordable auto insurance in Scottsdale, AZ can reveal a big difference in pricing.
For drivers wanting just liability coverage, GEICO has the best price. Full coverage is cheaper with Progressive, and young drivers should check out State Farm for the lowest rates.
Cheapest Car Insurance Companies In Scottsdale, AZ 2025
Cheapest Liability-only Car Insurance In Scottsdale: State Farm
GEICO leads Scottsdale in offering the most budget-friendly minimum car insurance at $37 a month.
Compare quotes from various insurance providers using the chart below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Root | $65 | $780 |
| Mile Auto | $50 | $600 |
| GEICO | $60 | $720 |
| Auto-Owners | $45 | $540 |
| State Farm | $55 | $660 |
Cheapest Full Coverage Insurance Rates In Scottsdale: Travelers
For full coverage in Scottsdale, Progressive has the lowest monthly rates at about $92.
Compare average auto insurance quotes from low-priced insurers in Scottsdale in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $100 | $1,200 |
| Auto-Owners | $80 | $960 |
| Root | $105 | $1,260 |
| Mile Auto | $95 | $1,140 |
| GEICO | $110 | $1,560 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
Seniors in Scottsdale pay the least for car insurance with State Farm, which averages $87 a month.
Compare average car insurance quotes for seniors from the cheapest providers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $120 | $1,440 |
| Clearcover | $95 | $1,140 |
| Unigard | $125 | $1,500 |
| Ameriprise Group | $70 | $540 |
| PEMCO | $115 | $1,380 |
Cheapest Rates In Scottsdale For Teenagers: State Farm
State Farm is the top choice for affordable teen car insurance in Scottsdale, with monthly premiums around $313.
The table below displays the companies that offer the most affordable insurance for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $480 | $5,760 |
| State Farm | $450 | $5,400 |
| Country | $495 | $5,940 |
| CSAA | $430 | $5,160 |
| USAA | $475 | $5,700 |
Cheapest Auto Insurance For Young Adults in Scottsdale: Liberty Mutual
For young adults in Scottsdale, the cheapest insurance quotes come from State Farm at $238 per month on average.
Below is a table that compares the cheapest auto insurance rates available to young adults in Scottsdale.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $120 | $1,440 |
| Clearcover | $95 | $1,140 |
| Unigard | $125 | $1,500 |
| Ameriprise Group | $70 | $540 |
| PEMCO | $115 | $1,380 |
Cheapest Car Insurance In Scottsdale For Good Drivers: State Farm
For good drivers in Scottsdale, GEICO offers the best rates, averaging $37 monthly.
The table below provides average insurance rates from low-cost companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $60 | $720 |
| Farmers | $112 | $1,344 |
| Travelers | $64 | $768 |
| Progressive | $129 | $1,548 |
| Allstate | $188 | $2,256 |
Find affordable Scottsdale rates
Cheapest Car Insurance In Scottsdale After A Speeding Ticket: Travelers
Drivers in Scottsdale who have a speeding ticket can find affordable insurance with State Farm, averaging $176 per month.
Below is a table showing average rates for drivers who have been cited for speeding.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $120 | $1,440 |
| Auto-Owners Insurance Co | $85 | $1,020 |
| State Farm | $115 | $1,380 |
| Root Insurance Company | $75 | $900 |
| GEICO | $90 | $1,080 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm is the most affordable choice for drivers responsible for an accident, averaging $193 in monthly premiums.
Check out the insurers below for the most affordable rates after an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $110 | $1,320 |
| Travelers | $120 | $1,440 |
| Root Insurance Company | $80 | $960 |
| Auto-Owners Insurance Co | $130 | $1,560 |
| State Farm | $125 | $1,500 |
Cheapest Rates In Scottsdale For Drivers After A DUI: Travelers
Among drivers with a DUI in Scottsdale, State Farm provides the cheapest coverage, averaging $188 per month.
If you’ve had a DUI in Scottsdale, the table below highlights the cheapest insurance rates available.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $110 | $1,320 |
| Auto-Owners Insurance Co | $160 | $1,920 |
| Root Insurance Company | $75 | $900 |
| Travelers | $135 | $1,620 |
| Progressive | $115 | $1,380 |
Best Car Insurance Companies In Scottsdale
The lowest monthly premium in Scottsdale is $83 with AAA. Progressive and GEICO also offer affordable coverage at $90 and $93.
Here’s a breakdown of the 10 leading car insurance companies in Scottsdale, AZ, based on average monthly rates.
| Company | Monthly Premium |
| Mercury | $139 |
| PEMCO | $115 |
| Kemper Premium | $100 |
| Safeco | $106 |
| Ameriprise Group | $92 |
| ACCC Insurance Company | $133 |
| Clearcover | $100 |
| Unigard | $123 |
| AssuranceAmerica Protect | $100 |
| Mercury Insurance | $120 |
Average Rates In Scottsdale – By Age
Car insurance companies charge more to younger drivers because they’re more likely to be in crashes. Teenagers typically pay about $7,599 a year.
Drivers who reach 25 with no tickets or accidents usually start paying less for insurance.
People in their 50s and 60s tend to get cheaper car insurance, since insurers use age to measure risk and reliability.
| Age | Average Yearly Rate |
| Teenagers | $5,040 |
| 20s | $2,460 |
| 30s | $1,920 |
| 40s | $1,560 |
| 50s | $1,320 |
| 60s | $1,260 |
| 70s | $1,680 |
Average Rates In Scottsdale – By Vehicle
Auto insurers use details about your car—like its make, model, and age—to help determine your rates. Typically, newer or high-tech cars are more costly to insure.
The table below provides average insurance premiums in Scottsdale by vehicle type.
| Vehicle | Average Monthly Rate |
| 2012 Hyundai Genesis | $172 |
| 2020 Jeep Renegade | $109 |
| 2007 Jaguar Xk | $340 |
| 2018 Toyota Rav4 | $400 |
| 2022 Kia K5 | $500 |
Average Cost Of Auto Insurance In Scottsdale – By Zip Code
Because crime rates differ by zip code, your car insurance costs can also vary depending on where you live.
Look at the table below to find average car insurance rates for different zip codes in Scottsdale.
| City | Average Monthly Rate |
| 85254 | $153 |
| 85266 | $165 |
| 85251 | $151 |
| 85260 | $125 |
| 85255 | $120 |
How Much Is Car Insurance In Other Cities in Arizona?
The area you live in affects your insurance rates since insurers look at local data on accidents, car thefts, and vandalism, which tend to be higher in urban settings.
On average, car insurance runs about $243 a month in Los Angeles, compared to $176 a month in San Diego.
| City | Average Monthly Rate |
| Gilbert | $173 |
| Glendale | $176 |
| Flagstaff | $123 |
| Mesa | $152 |
| Chandler | $145 |
| Peoria | $159 |
| Casa Grande | $143 |
| Prescott | $103 |
| Apache Junction | $132 |
| Phoenix | $187 |
Find affordable Scottsdale rates
Our Methodology
Using a broad analysis of service quality, product options, pricing, and user experiences from multiple online sources, I’ve crafted a comprehensive overview of car insurance in Scottsdale, AZ.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Scottsdale?
The lowest rates for California’s minimum car insurance in Scottsdale come from GEICO, while Progressive offers the cheapest full coverage options.
What is the average cost of car insurance in Scottsdale?
Car insurance costs about $180 monthly on average in Scottsdale, though factors like your location, car details, and driving history affect the price.
