Scottsdale, AZ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Scottsdale, AZ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
What Makes Car Insurance Expensive in Scottsdale, AZ
The average cost of auto insurance in Scottsdale, AZ, is $987, which is lower than the cost of auto insurance in neighboring places such as Salt River, Phoenix, Fountain Hills, Paradise Valley, and Rio Verde. The cost of auto insurance depends on numerous factors ranging from the make and model of the vehicle to driver’s age. This cost also varies from one neighborhood to another. Zimlon provides car owners with the option of keying in their zip code to get accurate auto insurance quotes from different insurers.
Below is a list of factors that make auto insurance expensive in Scottsdale, AZ
Deductibles:
The rate of deductibles is one of the most common factors affecting the cost of auto insurance in Scottsdale, AZ. Generally, a low deductible tends to increase the cost of auto insurance, while a high deductible leads to a decrease in the price. But, this also depends on the make and model of the vehicle. The cost of auto insurance in Scottsdale, AZ, comes down to $1,446 from $1,712 when the rate of deductible increases from $500 to $1,000.
Demographics:
The age and gender of drivers are major factors that affect the cost of auto insurance. Younger car owners end up spending more on auto insurance because of their lack of experience behind the wheel. Consequently, an increase in driving experience can reduce the cost of auto insurance. As the above infographic indicates, the cost of auto insurance for teenagers is a massive $3,203, while it comes down to $870 and $882 when the driver is in his fifties and sixties.
Driving Record:
A poor driving record can also lead to a massive increase in the cost of auto insurance for car owners in Scottsdale, AZ. Post-DUI, the cost of auto insurance rises to $1,956. Other major driving violations can also cause a massive increase in rates. Driving with an expired license or running a red light can severely increase auto insurance costs and have a long-term impact on one’s premium. The former leads to an increase of $665, while the latter causes an increase of $230.
Being a safe driver has its benefits since the amount of risk undertaken by the insurer is low for drivers with fewer violations.
Credit Score:
Possessing a healthy credit score is essential in lowering the cost of auto insurance in Scottsdale. If a driver’s credit score is exceptional, the cost of auto insurance can be as low as $847. It can be as high as $1,342 and $1,610 if the credit score is average or poor.
Factors that can influence the cost of car insurance in Scottsdale, AZ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Scottsdale, AZ Auto Insurance Rates
- Scottsdale, AZ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Scottsdale, AZ
- Multi Vehicle Insurance Savings in Scottsdale, AZ
- How Credit Score Affects Car Insurance Rates in Scottsdale, AZ
- How DUI Affects Auto Insurance Premiums in Scottsdale, AZ
- Top Auto Insurance Agents Near Scottsdale, AZ
- How Driving Violations Affect Auto Insurance Rates in Scottsdale, AZ
- Scottsdale, AZ Auto Insurance Discounts on Anti Theft Feature
- Scottsdale, AZ Auto Insurance Company Reviews
Scottsdale, AZ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Scottsdale, AZ with that of other cities in and around Scottsdale.
| Scottsdale | Salt River | Phoenix | Fountain Hills | Paradise Valley | Rio Verde | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $987 | $1,235 | $1,296 | $1,480 | $2,189 | $1,555 |
Scottsdale, AZ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Scottsdale, AZ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Scottsdale | $1,712 | $1,446 |
| Fountain Hills | $1,789 | $1,511 |
| Carefree | $1,671 | $1,411 |
| Paradise Valley | $2,271 | $1,918 |
| Rio Verde | $2,092 | $1,767 |
| Salt River | $1,597 | $1,349 |
| Cave Creek | $1,392 | $1,175 |
| Phoenix | $1,175 | $993 |
Scottsdale, AZ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Scottsdale, AZ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,203 |
| 20 Years | $1,268 |
| 30 Years | $977 |
| 40 Years | $940 |
| 50 Years | $870 |
| 60 Years | $882 |
| 70 Years | $1,027 |
Scottsdale, AZ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Scottsdale, AZ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,717 | $257 |
| 3 Vehicles | $2,576 | $385 |
| 4 Vehicles | $3,435 | $513 |
Savings on 2 Vehicles bundle:$257
Savings on 3 Vehicles bundle:$385
Savings on 4 Vehicles bundle:$513
Scottsdale, AZ Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Scottsdale, AZ.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Scottsdale | $987 | $1,956 |
| Fountain Hills | $1,480 | $2,934 |
| Carefree | $1,689 | $3,348 |
| Paradise Valley | $2,189 | $4,339 |
| Rio Verde | $1,555 | $3,082 |
| Salt River | $1,235 | $2,448 |
| Cave Creek | $1,535 | $3,043 |
| Phoenix | $1,296 | $2,569 |
Scottsdale, AZ Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $847 |
| Excellent (740-799) | $967 |
| Good (670-739) | $1,028 |
| Average (580-669) | $1,342 |
| Poor (300-579) | $1,610 |
Scottsdale, AZ Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Jason Pesch | Farmers | 9304 E Raintree Dr Ste 120, Scottsdale, 85260 | (480) 292-9977 |
| Surety Placement Services, Llc | None | 7975 N Hayden Rd Ste 300, Scottsdale, 85258 | None |
| Brian Stevens | State Farm | 21043 N Cave Creek Rd Ste A12, Phoenix, 85024-5519 | 602-569-6600 |
| Allan Abraham | State Farm | 14702 N Frank Lloyd Wright Blvd, Scottsdale, 85260-2044 | 480-949-5066 |
| Willis Of Arizona Inc | Liberty Mutual Independent | 11201 N TATUM BLVD STE 300, PHOENIX, 85028 | (602) 787-6000 |
| Alliance Insurance Partners | Travelers | 16427 N SCOTTSDALE RD STE 410, SCOTTSDALE, 85254 | 602-427-4300 |
| Dennis Dowling | State Farm | 5310 E Shea Blvd Ste 3, Scottsdale, 85254-4700 | 602-953-1990 |
| Brightway Insurance Inc | Travelers | 9393 N 90TH ST STE 110, SCOTTSDALE, 85258 | 480-696-2200 |
| Ronald Lofano | Farmers | 9590 E Ironwood Square Dr Ste 230, Scottsdale, 85258 | (480) 491-8585 |
| Valerie M Mowers | Liberty Mutual | 10304 N Hayden Road Ste 130, Scottsdale, 85258 | 1-480-483-8467 |
| Robert Bob Mccune Lutcf | Farmers | 11111 N Scottsdale Rd Ste 110, Scottsdale, 85254 | (480) 435-5015 |
Scottsdale, AZ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$43 | $1,030 |
| Driver's Failure In Showing Documents | +$96 | $1,083 |
| Driving With An Expired Registration | +$102 | $1,089 |
| Driving At A Considerably Slow Pace | +$214 | $1,201 |
| Using A Cellphone While Driving | +$226 | $1,213 |
| Running A Red Light | +$230 | $1,217 |
| Speeding | +$242 | $1,229 |
| Driving A Vehicle Without The Required Permission | +$307 | $1,294 |
| Driving With An Expired/Suspended License | +$665 | $1,652 |
Scottsdale, AZ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $948 |
| Active Disabling Device | $948 |
| Tracking Device | $928 |
| Passive Disabling Device | $918 |
Latest Auto Insurance Reviews in Scottsdale, AZ | Back to Top
UsaaI have a lower deductible and higher level of coverage for two cars for about what other insurance companies quoted for one car. I am very happy with that.
State FarmI would recommend this company, you are in good hands with them. The are very responsive and helpful at all times. They are knowledgeable about the industry.
UsaaI love my insurance company. They always have my best interest in mind and it shows.It's really nice to be able to speak with someone no matter what is going on.
MetlifeYes, I would definitely recommend them, mostly because of the price. The customer service has been fine as well.
Esurance5. I am compteley satisfied. I have had esurance for almost 15 years and never had a complaint about them. I Like how easy they are to use and I don't have to talk to many people.
Esurance5. I am compteley satisfied. I have had esurance for almost 15 years and never had a complaint about them. I Like how easy they are to use and I don't have to talk to many people.
GeicoI like the fact that the company doesn't second guess me or get too deep into my business. I often buy new vehicles and sell them often so I always hated when the company I used to have would feel themselves concerned with my personal affairs.
AllstateWhenever I do call or ask for documentation they handled me with respect and are pleasant to talk to. I get the answers when I ask the first time,
GeicoOverall Geico, my insurance policy is quite good, it is not that expensive and includes everything I need whenever something extraordinary happens.
UsaaI have not shopped around and only know of lower premiums from other companies through word of mouth. I would not trade this for the level of customer service and how efficiently claims are dealt with by USAA
MercuryTHE LENGTH IN THE COMPLIANCE OF THE CONTRACTUAL CLAUSES, THE LITTLE INTEREST IN THE PAYMENT OF THE CLAUSES, IN OCATIONS EXIG MUCH DEMAGOGIA
UsaaThe only drawback of USAA's is the lack of physical locations I can visit in person. Conducting business over the phone has been acceptable so far though.