Car Insurance in Scottsdale

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Drive Confidently Around Town

Despite several bus and trolley options offered by Valley Metro, Scottsdale offers plenty of opportunities to drive. You can visit the Desert Botanical Garden, marvel at the colorful inhabitants at Butterfly Wonderland or find a convenient parking spot downtown and take in a Thursday evening ArtWalk. If you'd rather spend some time behind the wheel, take in one of these great scenic drives in the area, including the White Mountain Scenic Road and Apache Trail Historic Road, suggested by

Scottsdale is home to just over 243,000 people. Of those over age 25 who commute to work each day, more than 75% make the trip alone in a passenger car. Plus, another 50,600 people enter Scottsdale to work each day. The average commute time in Scottsdale is 21.6 minutes each way. That's a lot of cars on city roads and plenty of reasons for drivers to have full coverage car insurance in Scottsdale.

While crime rates vary throughout the city, they remain lower than the state and national average. Auto thefts make up only 5.5% of the total reported crimes in Scottsdale, so that helps keep coverage costs low.

Secure the Right Coverage

Arizona DOT's Motor Vehicle Division requires that all drivers maintain a minimum level of insurance coverage that includes:

  • $25,000 liability insurance per person per accident
  • $50,000 liability insurance per accident
  • $15,000 property damage liability insurance

This is a very basic policy that provides minimal protection after an accident. Many drivers will find that higher limits offer more peace of mind. A typical full-coverage policy includes $100,000/$300,000/$100,000 coverage. Since liability only pays for damages you cause to others, you may also want to include collision and comprehensive insurance to protect your own vehicle.

Collision insurance pays for damages to your car after an accident with another vehicle or certain fixed objects, such as a fence or pole. Coverage limits are usually based on your car's current value. You can raise or lower the deductible to adjust your premium and how much you pay out of pocket before your insurance pays out.

Comprehensive coverage pays for damages from non-accident-related claims. Hail damage, a tree falling on your car and theft are all typical comp claims. This also covers glass damage, which is a common issue in Arizona.

While state law requires liability coverage, not everyone complies. Uninsured and underinsured coverage can help protect you if you are in an accident with a driver who has no or insufficient coverage.

Understand the Costs of Car Insurance in Scottsdale

The type and amount of coverage you need and the deductibles you choose will affect how much you pay for car insurance in Scottsdale. The average cost for a full-coverage Scottsdale policy with 100/300/100 coverage is $1,149 per year. That is slightly lower than the state average of $1,078 per year but higher than the national average of $884 per year.

Average rates assume a clean driving record and some driving experience. You may pay more or less depending on your personal driving history, your credit score and the type and age of your car. Find out how much you can save on car insurance in Scottsdale by comparing rates with VIU by HUB.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


U.S. Census Bureau

Arizona Demographics by Cubit

Experience Scottsdale

Money Geek

Arizona DOT

Valley Metro

Auto insurance in Arizona by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.