Best cheap car insurance in Scottsdale for 2021

1
JacobH/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

Residents of Scottsdale and of Arizona as a whole view driving as an essential way to get around. Almost 67% of all residents are licensed. Finding the best car insurance in Scottsdale to cover your vehicle and protect your finances might be a priority for you. When shopping for car insurance, Scottsdale residents might find it helpful to know that the average premium in the city is $660 per year for minimum coverage and $1,673 for full coverage.

Bankrate’s insurance editorial team analyzed the largest insurance companies by market share in Scottsdale, reviewing average premiums obtained from Quadrant Information Services, coverage offerings, available discounts and third-party rankings. Our research might help you discover some of the most effective ways to save on car insurance while finding coverage that fits your needs.

Best car insurance companies in Scottsdale

There are numerous car insurance companies in Scottsdale. To determine which companies to feature, we first obtained average premium information from Quadrant Information Services. However, premium is not the only factor to consider when shopping for car insurance. We also reviewed customer satisfaction scores from J.D. Power, available coverages, discount options and policy features.

If you are searching for the best car insurance in Scottsdale, these carriers might be a good starting place:

Insurance company J.D. Power score (Southwest region) Average annual premium for minimum coverage Average annual premium for full coverage
Geico 834 / 1,000 $372 $926
Mercury Not rated $437 $1,364
Nationwide 786 / 1000 $465 $1,195
Travelers 808 / 1,000 $519 $1,251

Geico

Geico offers the cheapest average minimum and full coverage premiums in Scottsdale. This could be due in part to the numerous discounts offered. You might be able to save if your vehicle has certain safety features like daytime running lights or anti-lock brakes, if you are a federal employee or military member, if you purchase more than one policy from Geico or if you insure more than one car.

If you like to handle your car insurance digitally, Geico may be a fantastic choice. The company earned the top spot in the 2021 J.D. Power U.S. Insurance Digital Experience Study for the Service category. Geico’s mobile app is highly-rated in the App Store and Google Play, and gives you the ability to pay bills, view ID cards, file claims, call for roadside assistance and make policy changes.

Learn more: Geico Insurance review

Mercury

If you have tickets or accidents on your driving record, Mercury might be a good choice for coverage. The company is best known for selling no-frills insurance to high-risk drivers, but coverage is available to anyone. Although the average full coverage premium is higher than the other companies on our list, Mercury offers several discounts that might help you save, including savings for automatic payments, paperless policies and good students.

Like Geico, Mercury offers a robust digital customer experience. The company earned first place in the 2021 J.D. Power U.S. Insurance Digital Experience Study for the Shopping category, meaning customers generally enjoy the digital quoting and purchasing experience.

Learn more: Mercury Insurance review

Nationwide

If you are looking for car insurance that can help you improve your driving skills, Nationwide might be a good option. The company offers two usage-based programs, SmartRide and SmartMiles, both of which may save you money and help you learn to drive more safely. SmartRide tracks your driving for four to six months before calculating your final discount, and SmartMiles is geared toward customers who drive low annual miles.

There are also more traditional discounts, including multi-policy, multi-car, safe driver and vehicle safety features. Nationwide offers a good array of optional coverages that might round out your policy. You could add gap coverage, accident forgiveness, roadside assistance or total loss deductible waiver.

Learn more: Nationwide Insurance review

Travelers

If you want a highly customizable policy, Travelers could be the best choice. The company offers numerous optional coverages, including new car replacement, roadside assistance, accident forgiveness, ridesharing coverage and gap coverage.

The company also offers a long list of discounts to help you save. You might qualify for a discount if you insure more than one car, bundle your home and auto, own a home (even if you do not insure it with Travelers), insure a hybrid or electric vehicle or pay in full.

Learn more: Travelers Insurance review

Cheapest car insurance in Scottsdale

The average cost of car insurance in Scottsdale is $1,673 annually for full coverage. Arizona’s average full coverage premium is $1,547 per year, and the national average is $1,674 per year.

Although Scottsdale’s average full coverage premium is slightly higher than Arizona’s average, it is in line with the national average. However, there are insurance companies in Scottsdale that offer coverage far below the average rates:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $372 $926
Mercury $437 $1,364
Nationwide $465 $1,195
AAA $502 $1,411
Travelers $519 $1,251

Although finding a cheap auto insurance policy is important for many drivers, it is not the only consideration when shopping for car insurance. You may also want to review a company’s customer service ratings, financial strength, coverages, discounts and policy features. Taking the time to find a policy that fits your needs and your budget can often be well worth it.

Scottsdale insurance requirements

Arizona drivers are required by law to carry at least the following minimum car insurance limits:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $15,000 property damage

Although you can legally drive once you have the minimum coverage, most insurance professionals recommend that you purchase higher liability limits to provide additional financial protection. If you cause an accident and the damages and injuries exceed the amount of insurance you carry, you will be responsible for the overage out of pocket.

In addition, financial institutions will require you to have full coverage. If you have a loan or lease, you will likely need to add comprehensive and collision coverage to your policy. These options cover damage to your own vehicle. Lenders may also require you to have certain liability limits and might limit how high you can set your deductibles.

Car insurance discounts in Scottsdale

You are already familiar with a few carrier-specific discounts you could take advantage of to save on car insurance. However, there are some discounts that many companies offer that can have a large impact on your premium. They include:

  • Bundling discounts: Buying multiple kinds of insurance, like your auto and home insurance, from the same carrier can reduce your premium on both policies.
  • Young driver discounts: Young adults and teens pay some of the highest car insurance premiums. Discounts designed for young drivers, like good student discounts, distance student discounts or driver education program discounts, might help lower your premium.
  • Telematics discounts: Enrolling in a telematics program could lower your premiums significantly based on your mileage and driving habits. You will need to download an app or use a plug-in device that tracks your driving, typically including your braking, acceleration and speed.
  • Safe driver discounts: Avoiding accidents and claims might help you save on car insurance. Many companies offer accident-free discounts if you have not filed a claim in a certain number of years. Safe driving can also help to keep your premiums from increasing due to surcharges.

Talking to your agent or a representative from your company might help you find additional ways to save.

Frequently asked questions

What is the best car insurance company?

Car insurance is not a one-size-fits-all product. The best car insurance company is a personal decision. To find the company that best suits your needs, you may want to collect quotes from several carriers and compare pricing, discounts and policy options.

How do I get insurance in Scottsdale?

To get a car insurance policy, you will first need to get a quote. Many companies offer online quotes, or you can call an insurance company or visit a local agency. You will need your name, address and date of birth, as well as the names and dates of birth of any other drivers who need to be insured. You will also need the year, make, model and vehicle identification number (VIN) of all the vehicles you would like a quote for. Having an idea of the coverages you want can be helpful but an agent should be able to help you choose. Once you have a quote and want to purchase the policy, the company can walk you through the next steps.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Reviewed by
Insurance Writer & Editor