Car Insurance in Scottsdale, AZ – 2025 Cheapest Rates + Rankings

• Scottsdale car insurance cost averages $2,478 per year, or about $207 per month, for a full-coverage policy.
• Car insurance in Scottsdale costs $102 per year more than the Arizona state average cost and $202 per year more than the average for all 50 states.
• Models with segment-leading auto insurance rates include the Toyota GR Corolla at $2,152 per year, Jaguar E-Pace at $2,316 per year, Mercedes-Benz CLA250 at $2,548 per year, and Nissan Titan at $2,316 per year.

How much does car insurance cost in Scottsdale?

The average cost of car insurance in Scottsdale is $2,478 per year, which is 8.5% more than the overall U.S. national average rate of $2,276 per year. The average cost of car insurance per month in Scottsdale is $207 for full coverage auto insurance.

In the state of Arizona, average car insurance cost is $2,376 per year, so the cost in Scottsdale averages $102 more per year. When rates are compared to other locations in Arizona, the average cost to insure a vehicle in Scottsdale is around $48 per year more than in Chandler, $68 per year more than in Tucson, and $12 per year more expensive than in Mesa.

The chart below shows additional information for drivers age 20 to 60 by showing a range of rates based on a variety of driver ages, deductibles, and risk profiles.

In the chart above, the cost of auto insurance in Scottsdale ranges from $2,060 per year for a 40-year-old driver who receives many policy discounts to $5,696 per year for a 30-year-old driver with a poor driving record or too many at-fault accidents. From a monthly budget standpoint, the average cost ranges from $172 to $475 per month.

Scottsdale auto insurance rates are priced differently for everyone and can also be very different depending on the company. Due to the fact that rates are so variable, this increases the need to get accurate car insurance quotes when searching online for cheaper auto insurance.

The age of the rated driver significantly impacts the price you pay for car insurance, so the list below illustrates this by showing average car insurance rates in Scottsdale based on the age of the driver.

Average car insurance rates in Scottsdale, Arizona, for drivers age 16 to 60

• 16-year-old driver – $8,819 per year or $735 per month
• 17-year-old driver – $8,545 per year or $712 per month
• 18-year-old driver – $7,659 per year or $638 per month
• 19-year-old driver – $6,976 per year or $581 per month
• 20-year-old driver – $4,984 per year or $415 per month
• 30-year-old driver – $2,644 per year or $220 per month
• 40-year-old driver – $2,478 per year or $207 per month
• 50-year-old driver – $2,196 per year or $183 per month
• 60-year-old driver – $2,054 per year or $171 per month

The rates listed above for teenage drivers assumed the driver was male. The chart below separates average car insurance rates for teenagers by gender. Female drivers tend to have cheaper car insurance rates, in particular in the teen years.

Auto insurance for a 16-year-old female in Scottsdale costs an average of $577 less per year than the cost to insure a 16-year-old male driver, while at age 19, the cost is still $1,078 less per year.

Popular vehicles and the cost of insurance

The rates referenced earlier in this article are an average for all 2024 vehicle models, which is helpful when making overall comparisons like the difference in average car insurance cost by location or driver age. Average car insurance rates are great when trying to find the answer to questions like “is auto insurance in Scottsdale cheaper than Glendale?” or “are Arizona auto insurance rates cheaper than in Texas?”.

For more complete cost comparisons, however, the data will be better if we perform a rate analysis for the specific model of vehicle being insured. Every car, truck, SUV and minivan has a unique exposure profile for rating purposes and this data provides for insurance cost comparisons.

The following list details average annual and monthly insurance rates in Scottsdale for a handful of the more popular vehicles. Later on, we’ll explore insurance cost for a few of these models in much more detail.

Car insurance rates for popular models in Scottsdale

• GMC Sierra – $2,934 per year ($245 per month)
• Toyota Corolla – $2,587 per year ($216 per month)
• Subaru Forester – $2,367 per year ($197 per month)
• Honda Accord – $2,567 per year ($214 per month)
• Toyota Highlander – $2,418 per year ($202 per month)
• Ford Explorer – $2,412 per year ($201 per month)
• Toyota Tacoma – $2,688 per year ($224 per month)
• Chevrolet Silverado – $2,934 per year ($245 per month)
• Nissan Rogue – $2,384 per year ($199 per month)
• Honda Civic – $2,352 per year ($196 per month)

In Scottsdale, which vehicles have the cheapest auto insurance rates?

The vehicles with the cheapest average auto insurance quotes in Scottsdale, AZ, tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Kia Soul, and Toyota Corolla Cross.

Average car insurance quotes for those compact SUVs cost $2,156 or less per year to get full coverage.

Some other models that are in the top 20 in our auto insurance price comparison are the Kia Niro, Ford Bronco Sport, Volkswagen Taos, and Toyota GR Corolla.

The average cost is a few dollars per month higher for those models than the crossovers and compact SUVs that rank near the top, but they still have average rates of $2,311 or less per year in Scottsdale.

The following table breaks down the top 20 cheapest vehicles to insure in Scottsdale, ordered starting with the cheapest.

The table above that contains 20 vehicle rankings is fine if you just want the lowest rates. A more efficient way to examine car insurance rates in an organized fashion is to break them out by segment.

The section below details average auto insurance cost by vehicle segment. These rates should give a good foundation of the automotive segments that have the overall cheapest car insurance rates in Scottsdale. Then the following six sections break out the 20 models with the cheapest rates for each automotive segment.

Scottsdale car insurance rates by automotive segment

If you’re shopping for a new or used vehicle, it’s a good idea to know which types of vehicles have more affordable auto insurance rates in Scottsdale. To illustrate this, you may be curious if compact SUVs have more affordable insurance than midsize SUVs or which size of pickup has cheaper car insurance.

The next chart shows the average cost of auto insurance rates in Scottsdale for different vehicle segments. From a segment perspective, compact SUVs, midsize trucks, and minivans tend to have the least expensive average rates, while large luxury, performance, and sports cars have the most expensive rates.

Average rates by automotive segment are accurate enough to make a general comparison, but insurance cost varies quite significantly within each segment shown above.

For example, in the midsize luxury car segment, average Scottsdale insurance rates range from the Mercedes-Benz CLA250 costing $2,548 per year up to the BMW M8 at $4,172 per year. Also, in the large SUV segment, insurance rates range from the Chevrolet Tahoe at $2,326 per year to the Toyota Sequoia costing $3,096 per year.

In the next sections of the article, we will remove much of this variability by comparing the cost of auto insurance in Scottsdale from a model perspective.

Cars with the best insurance rates in Scottsdale, Arizona

The Toyota GR Corolla ranks #1 as the cheapest car to insure in Scottsdale, followed closely by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model costs an average of $2,152 per year to insure with full coverage.

Other cars that have good average insurance rates include the Kia K5, Toyota Prius, Chevrolet Malibu, and Toyota Corolla, with an average cost of $2,414 per year or less.

Car insurance in Scottsdale for this segment for a middle-age safe driver will start around $179 per month, depending on your location.

The cheapest compact car to insure in Scottsdale is the Toyota GR Corolla at $2,152 per year. For midsize cars, the Kia K5 is the cheapest model to insure at $2,386 per year. And for full-size sedans, the Chrysler 300 has the cheapest car insurance rates at $2,358 per year.

The rate comparison table below ranks the twenty cars with the lowest-cost average auto insurance rates in Scottsdale, starting with the Toyota GR Corolla at $2,152 per year and ending with the Mazda 3 at $2,560 per year.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Is your vehicle not in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Scottsdale car insurance quotes from top companies in Arizona.

SUVs with the best auto insurance rates in Scottsdale

The lowest-cost SUVs to insure in Scottsdale are the Subaru Crosstrek at $1,830 per year, the Chevrolet Trailblazer at $1,860 per year, and the Kia Soul at $1,932 per year.

Rounding out the top 10 are models like the Mazda CX-5, Hyundai Venue, Toyota Corolla Cross, and Ford Bronco Sport, with an average car insurance cost of $2,028 per year or less.

Some additional 2024 models worth mentioning include the Volkswagen Taos, Buick Envista, Subaru Outback, and Subaru Ascent, which cost between $2,028 and $2,154 to insure per year.

Car insurance rates for this segment in Scottsdale for an average middle-age driver starts at around $153 per month, depending on your location. The rate comparison table below ranks the SUVs with the cheapest average car insurance rates in Scottsdale, starting with the Subaru Crosstrek at $1,830 per year and ending with the Subaru Ascent at $2,154 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see your SUV in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Scottsdale car insurance quotes from the best car insurance companies in Arizona.

Cheapest pickup trucks to insure in Scottsdale

The top five models for the lowest-cost Scottsdale car insurance rates in the pickup segment are the Nissan Titan, Ford Maverick, Chevrolet Colorado, Ford Ranger, and Nissan Frontier. Auto insurance prices for these models average $2,400 or less per year.

Also ranking well are models like the GMC Sierra 2500 HD, Hyundai Santa Cruz, Toyota Tacoma, and GMC Canyon, with average annual insurance rates of $2,548 per year or less.

Car insurance in this segment for an average middle-age driver will start around $182 per month, depending on where you live.

The comparison table below ranks the twenty pickups with the most affordable average car insurance rates in Scottsdale.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for rates for a different pickup? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Scottsdale car insurance quotes from top-rated companies in Arizona.

Sports cars with cheap car insurance in Scottsdale

The three highest ranking sports cars with the cheapest average auto insurance rates in Scottsdale are the Mazda MX-5 Miata at $2,292 per year, the Toyota GR86 at $2,608 per year, and the Ford Mustang at $2,720 per year.

Other models that have cheaper rates are the Nissan Z, Lexus RC F, Subaru BRZ, and Toyota GR Supra, with average annual insurance rates of $2,962 per year or less.

Car insurance rates in this segment starts at around $191 per month, depending on where you live. The comparison table below ranks the sports cars with the cheapest average car insurance rates in Scottsdale, starting with the Mazda MX-5 Miata at $2,292 per year and ending with the Porsche Taycan at $4,194 per year.

Looking for rates for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Arizona.

Luxury cars with affordable auto insurance rates

Taking the top spot in Scottsdale for cheapest auto insurance in the luxury car segment is the Acura Integra, coming in at $2,202 per year. Second place is the BMW 330i costing $2,522 per year, third place goes to the Mercedes-Benz CLA250, at an average of $2,548 per year, and in fourth place is the Lexus IS 300, costing an average of $2,552 per year.

Additional luxury cars that have good average insurance rates are the Mercedes-Benz AMG CLA35, Cadillac CT4, Genesis G70, and Lexus RC 300, with an average car insurance cost of $2,604 per year or less.

Ranked from 10th to 20th place, models like the Lexus RC 350, BMW 330e, Audi S3, Cadillac CT5, and Lexus ES 300h cost between $2,604 and $2,778 per year to insure in Scottsdale.

Auto insurance for this segment in Scottsdale starts at around $184 per month, depending on your location and insurance company.

When rates are compared by vehicle size, the lowest-cost compact luxury car model to insure in Scottsdale is the Acura Integra at $2,202 per year, or $184 per month. For midsize luxury cars, the Mercedes-Benz CLA250 has the best rates at $2,548 per year, or $212 per month. And for large luxury cars, the Audi A5 is most affordable to insure at $2,942 per year, or $245 per month.

The comparison table below ranks the twenty luxury cars with the most affordable insurance rates in Scottsdale, starting with the Acura Integra at $2,202 per year and ending with the Audi S3 at $2,778 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Scottsdale car insurance quotes from the best companies in Arizona.

Cheap luxury SUVs to insure in Scottsdale

The top four luxury SUVs with the most affordable average auto insurance rates in Scottsdale are the Acura RDX at $2,072 per year, Lexus NX 250 at $2,192 per year, Cadillac XT4 at $2,236 per year, and Jaguar E-Pace at $2,316 per year.

Also ranking well are SUVs like the Lexus UX 250h, Mercedes-Benz GLB 250, Lexus NX 350h, and Lincoln Corsair, with average rates of $2,386 per year or less.

Some additional 2024 luxury models worth mentioning include the Acura MDX, Mercedes-Benz GLA250, Lexus NX 350, and Mercedes-Benz AMG GLB35, which average between $2,386 and $2,486 to insure per year.

Car insurance in Scottsdale for this segment can cost as low as $173 per month, depending on the company and where you live.

When vehicle size is factored in, the cheapest small luxury SUV to insure in Scottsdale is the Acura RDX at $2,072 per year. For midsize luxury models, the Jaguar E-Pace has the cheapest rates at $2,316 per year. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $2,778 per year.

The rate comparison table below ranks the luxury SUVs with the lowest-cost average auto insurance rates in Scottsdale, starting with the Acura RDX at $2,072 per year and ending with the Lexus RX 350 at $2,486 per year.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see your luxury SUV in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Scottsdale car insurance quotes from the best companies in Arizona.

Driver profile impacts price

In an effort to help illustrate the amount the cost of identical auto insurance can range between drivers (and also underscore the importance of getting rate quotes from multiple companies), the sections below present multiple rates for three popular models in Scottsdale: the Honda Civic, Nissan Rogue, and Toyota Highlander.

Each illustration displays average rates for different driver profiles to illustrate the cost difference when changes are made to the rated driver.

Honda Civic insurance rates

In Scottsdale, Honda Civic insurance averages $2,192 per year (about $183 per month) and ranges from $1,824 to $4,976.

The Honda Civic is considered a compact car, and other models in that segment include the Toyota Corolla, Volkswagen Jetta, Chevrolet Cruze, and Nissan Sentra.

Nissan Rogue insurance rates

Insurance for a Nissan Rogue in Scottsdale averages $2,224 per year (about $185 per month) and ranges from $1,850 to $5,082 annually.

The Nissan Rogue is classified as a compact SUV, and other popular models in the same segment include the Ford Escape, Chevrolet Equinox, Mazda CX-5, and Honda CR-V.

Toyota Highlander insurance rates

In Scottsdale, Toyota Highlander insurance costs an average of $2,252 per year (about $188 per month) and varies from $1,874 to $5,152 per year for the different driver profiles shown in the chart below.

The Toyota Highlander is a midsize SUV, and other similar models include the Honda Pilot, Ford Explorer, Jeep Grand Cherokee, and Kia Telluride.

Tips for finding cheaper Scottsdale auto insurance quotes

Drivers are always searching for ways to cut the monthly cost of insurance, so take a minute to review the money-saving tips below and maybe you’ll be able to save a little dough on your next car insurance policy.

• Policy discounts mean cheaper auto insurance. Discounts may be available if the insured drivers are homeowners, are claim-free, are senior citizens, choose electronic billing, or many other discounts which could save the average Scottsdale driver as much as $418 per year on the cost of auto insurance
• Don’t be dumb behind the wheel. To get affordable auto insurance in Scottsdale, it pays to be a conservative driver. As few as two minor infractions on your driving record have the consequences of raising the cost of a policy by as much as $658 per year. Being convicted of a serious infraction such as driving under the influence or reckless driving could raise rates by an additional $2,300 or more.
• Save money by raising deductibles. Raising your policy deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Avoid filing small claims. Most insurers reduce rates a little if you have no claims. Auto insurance is intended to be used to protect you from significant financial loss, not small claims.
• Careless drivers pay more for auto insurance. At-fault accidents raise insurance rates, potentially as much as $1,196 per year for a 30-year-old driver and even as much as $602 per year for a 60-year-old driver. So drive safe and save!
• Compare insurance cost before you buy the car. Different cars, trucks, and SUVs can have very different insurance premiums, and insurers can sell coverages with a wide range of prices. Check rates before you buy so you can avoid insurance sticker shock when you see your first bill.