Car Insurance in Scottsdale, Arizona
Estimated full coverage in Scottsdale runs about $1,670 a year ($139/month) — ▲ 0% versus the Arizona average, ranking 12th most expensive of the 14 Arizona cities we cover.
Why car insurance in Scottsdale costs more than the Arizona average
Insurers price by territory, and Scottsdale's numbers explain most of the gap. With 246,170 residents on 184.0 square miles, the city's density (1,338 people per square mile) is 81% higher than the density where the typical Arizona resident lives (741). The average commute is 21.6 minutes (Arizona: 25.4), and 61% of workers drive alone. Together these put our location factor at 1.00× the state baseline for liability and collision, and 1.01× for comprehensive once FEMA weather risk for Maricopa County is included.
| Factor | Scottsdale | Arizona ref. | Why it matters |
|---|---|---|---|
| Population density | 1,338 / sq mi | 741 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 21.6 min | 25.4 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 61.0% | — | Share of workers commuting by car. |
| Public transit to work | 0.4% | — | Transit use lowers how much residents drive. |
| Work from home | 31.1% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 3.7% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 81.8 | 78.4 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Scottsdale
Rates can change from one ZIP code to the next. Across 9 Scottsdale ZIP codes, our full-coverage estimate ranges from $1,560 in 85262 to $1,785 in 85251. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 85255 | 45,346 | 514 | 23.1 min | 2.6% | $1,610 | −4% |
| 85251 | 40,780 | 5,645 | 20.9 min | 4.7% | $1,785 | +7% |
| 85260 | 39,896 | 2,801 | 19.5 min | 3.4% | $1,700 | +2% |
| 85257 | 29,812 | 4,342 | 22.3 min | 5.0% | $1,780 | +7% |
| 85258 | 25,545 | 2,478 | 21.3 min | 2.6% | $1,715 | +3% |
| 85259 | 21,670 | 1,045 | 24.1 min | 4.0% | $1,680 | +1% |
| 85250 | 15,394 | 1,831 | 19.4 min | 4.9% | $1,665 | 0% |
| 85262 | 14,329 | 92 | 30.4 min | 1.0% | $1,560 | −7% |
| 85266 | 12,516 | 638 | 24.8 min | 0.0% | $1,650 | −1% |
Minimum car insurance in Scottsdale
Scottsdale drivers follow Arizona's rules: at least 25/50/15 liability coverage. Arizona is at-fault (tort). We estimate state-minimum coverage in Scottsdale at $660 a year, and $955 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Arizona does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured motorist coverage in writing; it is optional, and if bought the minimum is 25/50. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Insurers must offer underinsured motorist coverage in writing; it is optional, and if bought the minimum is 25/50. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Minimums were raised from 15/30/10.
Risk factors that shape Scottsdale premiums
Accidents
Arizona recorded 1,229 traffic deaths, or 1.74 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Arizona's vehicle theft rate is 184 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Maricopa County as very high for hail, very high for inland flooding and very high for strong wind, and very low for hurricanes.
Traffic & commuting
2.8% of Scottsdale commuters spend an hour or more getting to work, and there are 1.74 vehicles per household. 31.1% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.5 | Comprehensive (car); roof claims (home) | |
| Tornado | 84.0 | Comprehensive; dwelling | |
| Hurricane | 26.6 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 99.1 | Comprehensive; dwelling | |
| Winter weather | 38.7 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Scottsdale by driver profile
A clean-record driver in their 50s pays the least in our Scottsdale model (about $1,535 for full coverage); an 18-year-old on their own policy pays about $4,590, and a DUI pushes a 30-something to $3,085.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,815 | $2,630 | $4,590 | $383 |
| Young adult (22) | $1,055 | $1,530 | $2,670 | $223 |
| Adult in their 30s | $660 | $955 | $1,670 | $139 |
| Adult in their 50s | $605 | $880 | $1,535 | $128 |
| Senior (72) | $740 | $1,070 | $1,870 | $156 |
| 30s, one at-fault accident | $955 | $1,385 | $2,420 | $202 |
| 30s, DUI on record | $1,220 | $1,770 | $3,085 | $257 |
Minimum vs. standard vs. full coverage in Scottsdale
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $660 | $55 | $540–$780 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $955 | $80 | $785–$1,130 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,670 | $139 | $1,370–$1,970 |
Estimate your premium in Scottsdale
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Cheap car insurance in Scottsdale: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Scottsdale's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $100 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $120 | You're among the 31.1% of Scottsdale workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $395 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $715 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $365 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Scottsdale
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 292 offices listed below.
- Check complaint records with the Arizona Department of Insurance and Financial Institutions (complaint information) before you buy.
- Mention your ZIP code accurately — within Scottsdale, our estimates differ by up to $225 a year between neighborhoods.
Car insurance agents near Scottsdale, AZ
We found 292 insurance offices within about 10 miles of central Scottsdale, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Scott Holly - State Farm
4014 N Goldwater Blvd, Ste 202, Scottsdale, AZ 85251 -
Imad Jamil Awada - Farmers Insurance
4300 N Miller Rd, Ste 110 3/4, Scottsdale, AZ 85251 -
Kevin Combs - Farmers Insurance
7330 E Earll Dr, Scottsdale, AZ 85251 -
American Family Insurance
AZ -
J M Chapman Agency Inc
7055 E Thomas Rd, Scottsdale, AZ 85251 -
Trevor John Rettke - Farmers Insurance
3200 N Hayden Rd, Scottsdale, AZ 85251 -
Brenda Wix - State Farm
6401 E Thomas Road, Suite 102, Scottsdale, AZ 85251 -
Joy Estes - State Farm
8111 E Thomas Road, Suite 110, Scottsdale, AZ 85251 -
Keanu Maximo Baca - Farmers Insurance
5635 N Scottsdale Rd, Scottsdale, AZ 85250 -
Matt Funicello - State Farm
8102 E McDowell Road, Suite 2A/B, Scottsdale, AZ 85257 -
Brandon Mueller - State Farm
6263 N Scottsdale Rd, Ste 130, Scottsdale, AZ 85250 -
John Mitchell Grebin - Farmers Insurance
6609 N Scottsdale Rd, Scottsdale, AZ 85250 -
Mike Olson - Allstate
8151 E Indian Bend Rd, Ste 107, Scottsdale, AZ 85250 -
Shisler & Associates Insurance, Inc
4700 E Thomas Rd, Ste 105, Phoenix, AZ 85018 -
Julie Jakubek - Allstate
4650 E Thomas Rd, Phoenix, AZ 85018 -
Smart Move Insurance
8111 East Indian Bend Road, Scottsdale, AZ 85250 -
Tom Prezkop - State Farm
4643 E Thomas Rd, Ste 2, Phoenix, AZ 85018 -
Justin Crain - State Farm
4144 N 44th St, Ste 3, Phoenix, AZ 85018 -
Freeway Insurance
4041 East Thomas Rd, Phoenix, AZ 85018 -
Mark John Quinzi - Farmers Insurance
8687 E Via De Ventura, Scottsdale, AZ 85258 -
Darlene Janel Dwyer - Farmers Insurance
60 E Rio Salado Pkwy, Tempe, AZ 85281 -
Allstate Identity Protection
AZ -
Tatum Insurance LLC
8687 East Via de Ventura, #118, Scottsdale, AZ 85258 -
Rebecca Navarre Agency Inc
8502 E Via De Ventura, Ste 225, Scottsdale, AZ 85258 -
American Family Insurance
225 North 45th Street, Phoenix, AZ 85040 -
Sonia Bhushan - Allstate
3402 N 36th St, Phoenix, AZ 85018 -
Workers Compensation Company of America
AZ -
AALL Insurance
AZ -
Todd Michael Clifford - Farmers Insurance
7702 E Doubletree Rnch Rd, Scottsdale, AZ 85258 -
Mark Slepak - State Farm
7373 E Doubletree Ranch Road, Suite 200, Scottsdale, AZ 85258 -
David Limon - American Family Insurance
1835 E 6th St, Ste 30, Tempe, AZ 85288 -
Kelly Ross - State Farm
7704 E Doubletree Ranch Road, Suite 150, Scottsdale, AZ 85258 -
State Farm
AZ -
Di$count Insurance Motor Vehicle Services
3287 East McDowell Road, Phoenix, AZ 85008 -
Quick Quote Insurance LLC
AZ -
HomeGuard HomeWarranty
AZ -
Damien Barr - Allstate
9699 N Hayden Rd, Ste E107, Scottsdale, AZ 85258 -
GBS Arizona
2333 West Unversity Drive, Tempe, AZ 85281 -
Farmers Insurance
AZ -
Genrose Insurance
AZ
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Scottsdale
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,265 | −24% |
| Subaru Outback | Wagon | $1,250 | −25% |
| Tesla Model 3 | Midsize car | $1,730 | +4% |
| Subaru Forester | Small SUV | $1,220 | −27% |
| Honda Civic | Compact car | $1,905 | +14% |
| Toyota Corolla | Compact car | $1,790 | +7% |
| Jeep Wrangler | Midsize SUV | $1,430 | −14% |
| Mazda CX-5 | Small SUV | $1,415 | −15% |
| MINI Cooper | Subcompact car | $1,270 | −24% |
| Tesla Model Y | Midsize SUV | $1,560 | −7% |
More car insurance topics in Scottsdale
Car insurance in nearby Arizona cities
- Tempe $1,775/yr · 7 mi
- Phoenix $1,815/yr · 11 mi
- Mesa $1,815/yr · 14 mi
- Chandler $1,815/yr · 15 mi
- Glendale $1,870/yr · 15 mi
- Gilbert $1,850/yr · 17 mi
- Peoria $1,755/yr · 19 mi
- Goodyear $1,720/yr · 27 mi
- Surprise $1,815/yr · 33 mi
- Buckeye $1,700/yr · 41 mi
- Tucson $1,710/yr · 111 mi
- Flagstaff $1,550/yr · 118 mi
All Arizona cities and state rules · Homeowners insurance in Scottsdale
Frequently asked questions
How much is car insurance in Scottsdale, AZ?
We estimate full coverage in Scottsdale at about $1,670 a year ($139 a month) for a driver in their 30s with a clean record, and about $660 for Arizona's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Scottsdale more expensive than the Arizona average?
Our Scottsdale estimate is about the same as the statewide figure. The model reflects a population density of 1,338 people per square mile (the typical Arizona resident lives at about 741) and an average commute of 21.6 minutes versus 25.4 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Scottsdale?
Drivers in Scottsdale follow Arizona law: at least 25/50/15 liability coverage.
Which ZIP code in Scottsdale has the cheapest car insurance?
Among Scottsdale's 9 ZIP codes, 85262 has the lowest estimate (about $1,560 a year for full coverage) and 85251 the highest (about $1,785), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Scottsdale?
An 18-year-old with their own full-coverage policy would pay around $4,590 a year in Scottsdale by our estimate ($1,815 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Scottsdale?
Yes. FEMA's National Risk Index rates Maricopa County for hail (very high) and inland (river) flooding (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Scottsdale?
We list 292 insurance offices in and around Scottsdale, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Arizona Revised Statutes 28-4009 (liability policy limits)
- Arizona Revised Statutes 20-259.01 (UM/UIM offer)
- Arizona DIFI: Automobile insurance minimum coverage
- ADOT MVD: How long am I required to have an SR22?
- Arizona DIFI: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Scottsdale and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places