Cheapest Car Insurance In Scottsdale, AZ 2025
Among insurers in Scottsdale, Auto-Owners has the lowest monthly cost for minimum coverage at $47.
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, Auto-Owners has the best price. Full coverage is cheaper with Auto-Owners, and young drivers should check out Ameriprise for the lowest rates.
Cheapest Car Insurance Companies In Scottsdale, AZ 2025
Cheapest Liability-only Car Insurance In Scottsdale: Auto-Owners
Auto-Owners leads Scottsdale in offering the most budget-friendly minimum car insurance at $47 a month.
Compare quotes from various insurance providers using the chart below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $47 | $564 |
| State Farm | $58 | $696 |
| GEICO | $60 | $720 |
| USAA | $65 | $780 |
| Allstate | $97 | $1,164 |
Cheapest Full Coverage Insurance Rates In Scottsdale: Auto-Owners
For full coverage in Scottsdale, Auto-Owners has the lowest monthly rates at about $77.
Compare average auto insurance quotes from low-priced insurers in Scottsdale in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $77 | $924 |
| State Farm | $94 | $1,128 |
| USAA | $105 | $1,260 |
| Mile Auto | $95 | $1,140 |
| GEICO | $98 | $1,176 |
Cheapest Car Insurance Rates For Seniors: Clearcover
Seniors in Scottsdale pay the least for car insurance with Clearcover, which averages $85 a month.
Compare average car insurance quotes for seniors from the cheapest providers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $85 | $1,020 |
| USAA | $106 | $1,272 |
| Mercury | $99 | $1,188 |
| ACCA | $100 | $1,200 |
Cheapest Rates In Scottsdale For Teenagers: CSAA
CSAA is the top choice for affordable teen car insurance in Scottsdale, with monthly premiums around $437.
The table below displays the companies that offer the most affordable insurance for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| CSAA | $437 | $5,244 |
| State Farm | $455 | $5,460 |
| Country | $482 | $5,784 |
| Nationwide | $479 | $5,748 |
| USAA | $476 | $5,712 |
Cheapest Auto Insurance For Young Adults in Scottsdale: Ameriprise Group
For young adults in Scottsdale, the cheapest insurance quotes come from Ameriprise Group at $69 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 |
| Ameriprise Group | $69 | $828 |
| Clearcover | $96 | $1,152 |
| Unigard | $125 | $1,500 |
| Safeco | $121 | $1,452 |
| PEMCO | $115 | $1,380 |
Cheapest Car Insurance In Scottsdale For Good Drivers: Auto-Owners
For good drivers in Scottsdale, Auto-Owners offers the best rates, averaging $47 monthly.
The table below provides average insurance rates from low-cost companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $47 | $564 |
| State Farm | $58 | $696 |
| GEICO | $60 | $720 |
| USAA | $65 | $780 |
| Allstate | $97 | $1,164 |
Find affordable Scottsdale rates
Cheapest Car Insurance In Scottsdale After A Speeding Ticket: Auto-Owners
Drivers in Scottsdale who have a speeding ticket can find affordable insurance with Auto-Owners, averaging $57 per month.
Below is a table showing average rates for drivers who have been cited for speeding.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $57 | $684 |
| USAA | $77 | $924 |
| State Farm | $65 | $780 |
| Root Insurance | $105 | $1,260 |
| GEICO | $70 | $840 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Auto-Owners is the most affordable choice for drivers responsible for an accident, averaging $59 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 |
| Auto-Owners | $59 | $708 |
| Travelers | $124 | $1,488 |
| Root Insurance | $106 | $1,272 |
| National General | $108 | $1,296 |
| State Farm | $70 | $840 |
Cheapest Rates In Scottsdale For Drivers After A DUI: Auto-Owners
Among drivers with a DUI in Scottsdale, Auto-Owners provides the cheapest coverage, averaging $65 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 |
| Auto-Owners | $65 | $780 |
| State Farm | $81 | $972 |
| Root Insurance | $116 | $1,392 |
| Travelers | $139 | $1,668 |
| Progressive | $143 | $1,716 |
Best Car Insurance Companies In Scottsdale
The lowest monthly premium in Scottsdale is $47 with Auto-Owners. State Farm and GEICO also offer affordable coverage at $58 and $60.
Here’s a breakdown of the 10 leading car insurance companies in Scottsdale, AZ, based on average monthly rates.
| Company | Monthly Premium |
| Auto-Owners | $47 |
| State Farm | $58 |
| GEICO | $60 |
| USAA | $65 |
| Allstate | $97 |
| National General | $87 |
| Root | $83 |
| Travelers | $99 |
| Dairyland | $108 |
| American Family | $114 |
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 $4,997 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 | $4,997 |
| 20s | $2,660 |
| 30s | $1,908 |
| 40s | $1,663 |
| 50s | $1,296 |
| 60s | $1,377 |
| 70s | $1,669 |
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 |
| Hyundai Genesis | $172 |
| Jeep Renegade | $109 |
| Jaguar Xk | $340 |
| Toyota Rav4 | $400 |
| 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 $187 a month in Phoenix, compared to $103 a month in Prescott.
| 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 minimum car insurance in Scottsdale come from Auto-Owners, while Auto-Owners offers the cheapest full coverage options.
What is the average cost of car insurance in Scottsdale?
Car insurance costs about $150 monthly on average in Scottsdale, though factors like your location, car details, and driving history affect the price.
