Best cheap auto insurance in Scottsdale for 2021
Residents of Scottsdale and Arizona as a whole view driving as an essential way of getting around. Almost 67% of all residents are licensed. Finding the best auto insurance in Scottsdale to cover your vehicle and protect your finances could be a priority for you. When purchasing auto insurance, residents of Scottsdale 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, examining the average premiums obtained by Quadrant Information Services, coverage offerings, available discounts and third-party rankings. Our research could help you discover some of the most effective ways to save on auto insurance while still finding coverage that meets your needs.
Best Auto Insurance Companies in Scottsdale
There are many auto insurance companies in Scottsdale. To determine which companies to feature, we first obtained average premium information from Quadrant Information Services. However, the premium is not the only factor to consider when purchasing auto insurance. We also looked at JD Power’s customer satisfaction scores, available coverages, discount options, and policy features.
If you’re looking for the best auto insurance in Scottsdale, these carriers might be a good place to start:
|Insurance company||JD Power Score (Southwest region)||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||834/1000||$ 372||$ 926|
|Mercury||Unclassified||$ 437||$ 1,364|
|In all the countries||786/1000||$ 465||$ 1,195|
|Travelers||808/1000||$ 519||$ 1,251|
Geico offers the cheapest minimum and full average premiums in Scottsdale. This could be in part due to the many discounts offered. You may be able to save money if your vehicle has certain safety features like daytime running lights or anti-lock brakes, if you are a federal or military employee, if you purchase more than one policy from Geico, or if you insure more than one car. .
If you like to manage your auto insurance digitally, Geico can be a fantastic choice. The company obtained the first place in the JD Power Insurance Digital Experience in the United States 2021 Study for the Service category. Geico mobile app is highly rated in the App Store and Google Play, and gives you the ability to pay bills, view ID cards, file complaints, call roadside assistance, and change rules.
Find out more: Geico Insurance review
If you have tickets or accidents on your driving record, Mercury may be a good choice for coverage. The company is best known for selling no-frills insurance to high-risk drivers, but the coverage is available to everyone. Although the average full coverage premium is higher than the other companies on our list, Mercury offers several discounts that could help you save, including savings for automatic payments, paperless policies, and student vouchers.
Like Geico, Mercury offers a strong digital customer experience. The company earned first place in the 2021 JD Power US Insurance Digital Experience Study for the Shopping category, which means customers generally enjoy the digital experience of bidding and buying.
Read more: Mercury Insurance review
In all the countries
If you are looking for auto 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 can 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 for 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 range of optional coverages that could complement your policy. You can add gap coverage, accident remission, roadside assistance, or a total loss deductible waiver.
Learn more: Nationwide Insurance review
If you want a highly customizable policy, Travelers might be the best choice. The company offers many optional covers, including new car replacement, roadside assistance, accident forgiveness, carpooling coverage and gap coverage.
The company also offers a long list of discounts to help you save money. You may be eligible for a discount if you insure more than one car, combine your home and auto, own a home (even if you don’t insure it with travelers), insure a hybrid or electric vehicle, or pay in full .
Learn more: Traveler Insurance Review
Cheapest auto insurance in Scottsdale
The average cost of auto insurance in Scottsdale is $ 1,673 per year for full coverage. Arizona’s average full coverage premium is $ 1,547 per year, and the national average is $ 1,674 per year.
While Scottsdale’s average full coverage premium is slightly higher than the Arizona average, it is in line with the national average. However, there are insurance companies in Scottsdale that offer coverage well below average rates:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||$ 372||$ 926|
|Mercury||$ 437||$ 1,364|
|In all the countries||$ 465||$ 1,195|
|AAA||$ 502||$ 1,411|
|Travelers||$ 519||$ 1,251|
While finding a cheap auto insurance policy is important to many drivers, it is not the only consideration when purchasing auto insurance. You can also view a company’s customer service ratings, financial strength, coverage, discounts and policy features. Taking the time to find a policy that meets your needs and budget can often be worth it.
Insurance Requirements in Scottsdale
Arizona drivers are required by law to carry at least the following items minimum auto insurance limits:
- $ 25,000 in bodily injury per person
- $ 50,000 in bodily injury per accident
- $ 15,000 in property damage
While 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 damage and injuries exceed the amount of insurance you purchase, you will be responsible for exceeding your pocket.
Additionally, financial institutions will require you to have comprehensive 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 that you have certain limits of liability and may limit the height of your deductibles.
Auto Insurance Discounts in Scottsdale
You already know of a few carrier-specific discounts that you could take advantage of to save on auto insurance. However, many companies offer discounts that can have a big impact on your premium. They include:
- Bundled discounts: Buying multiple types of insurance, like your auto and home insurance, from the same carrier can lower your premium on both policies.
- Young driver discounts: Young adults and teens pay some of the highest auto insurance premiums. Discounts designed for young drivers, such as student discount coupons, distance student discounts, or discounts on driver training programs, can help you lower your premium.
- Telematics discounts: Signing up for a telematics program can dramatically reduce your premiums based on your mileage and driving habits. You’ll need to download an app or use a plug-in device that tracks your driving, typically including your braking, acceleration, and speed.
- Discounts for Safe Drivers Avoiding accidents and claims can help you save on auto insurance. Many companies offer accident-free discounts if you haven’t filed a claim for a number of years. Safe driving can also help prevent your premiums from increasing because of surcharges.
Talking to your agent or a representative of your company can help you find other ways to save.
Frequently Asked Questions
What is the best auto insurance company?
Auto insurance is not a one-size-fits-all product. The best auto insurance company is a personal decision. To find the company that best meets your needs, you may want to collect quotes from multiple carriers and compare prices, discounts, and policy options.
How do I get insurance in Scottsdale?
To get an auto insurance policy, you will first need to get a quote. Many companies offer quotes online, 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 any vehicles you want a quote for. Having an idea of ââwhat covers 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 font, the company can walk you through the next steps.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a driving record clean, good credit and the following. coverage limits:
- $ 100,000 of civil liability per person
- Civil liability of $ 300,000 per accident
- Liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury not insured by a motorist
- $ 300,000 in uninsured bodily injury by a motorist per accident
- $ 500 collision deductible
- Full $ 500 deductible
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes may be different.