One of the many factors that are used to help calculate the amount you pay for auto insurance is your address. More populated areas tend to pay slightly more, whereas areas with less crime or weather claims have the gratification of cheaper auto insurance rates.
The next table lists the highest-priced places in Arizona for uninsured drivers to buy auto insurance in. Scottsdale is listed at #9 with the annual price of $1,129 for the average insured, which is about $94 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Avondale | $1,210 |
| 3 | Glendale | $1,178 |
| 4 | Mesa | $1,159 |
| 5 | San Tan Valley | $1,150 |
| 6 | Gilbert | $1,142 |
| 7 | Tempe | $1,140 |
| 8 | Goodyear | $1,131 |
| 9 | Scottsdale | $1,129 |
| 10 | Buckeye | $1,122 |
| 11 | Maricopa | $1,118 |
| 12 | Peoria | $1,104 |
| 13 | Tucson | $1,094 |
| 14 | Chandler | $1,093 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Casa Grande | $1,079 |
| 17 | Casas Adobes | $1,072 |
| 18 | Surprise | $1,048 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $963 |
| 21 | Flagstaff | $960 |
| 22 | Prescott | $914 |
| 23 | Bullhead City | $869 |
| 24 | Sierra Vista | $863 |
| 25 | Lake Havasu City | $844 |
| Quote Best Rates Go | ||
Information shown are approximated as specific Scottsdale garaging address can raise or lower prices greatly.
The vehicle on the policy is probably the biggest factor when consumers are trying to find the best auto insurance for uninsured drivers. Vehicles with limited top-end speed, good safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The information below illustrates coverage rates for a handful of the cheaper automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,327 |
| Honda CR-V LX 4WD | $1,336 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,439 |
| Ford Focus SE 4-Dr Sedan | $1,541 |
| Ford Edge Limited 2WD | $1,551 |
| Chevrolet Malibu Hybrid | $1,572 |
| Toyota Tacoma X-Runner 2WD | $1,656 |
| Ford Escape Limited 2WD | $1,669 |
| Toyota Prius | $1,682 |
| Jeep Grand Cherokee SRT-8 4WD | $1,685 |
| Chevrolet Impala LS | $1,766 |
| Honda Odyssey EX W/Rear Entertainment | $1,775 |
| Toyota RAV4 Limited 4WD | $1,800 |
| Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD | $1,826 |
| Dodge Ram Quad Cab Sport 4WD | $1,832 |
| Dodge Grand Caravan Crew | $1,834 |
| Toyota Camry XLE | $1,894 |
| Chevrolet Equinox LS AWD | $1,926 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,935 |
| Ford F-150 SVT Raptor Super Cab 4WD | $1,965 |
| Ford Explorer Limited 4WD | $1,973 |
| Ford Fusion Hybrid 4-Dr Sedan | $1,983 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,986 |
| Find Cheaper Rates Go | |
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates greatly.
Based upon the rates shown, we can conclude that models like the Honda Accord, Honda CR-V, Volkswagen Jetta, Ford Focus, and Ford Edge will definitely be a few of the more affordable vehicles to insure for drivers with no prior coverage.
Locating low-cost auto insurance is easier said than done, and finding out which company offers the best insurance rates for uninsured drivers requires a little more work. Each insurance company has a unique formula for setting rates, so let’s begin by examining the lowest cost insurance companies in Scottsdale.
Find the Cheapest Car Insurance in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $923 |
| 4 | Progressive | $1,118 |
| 5 | Travelers | $1,119 |
| 6 | USAA | $1,124 |
| 7 | GEICO | $1,142 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,220 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,336 |
| 14 | Farmers | $1,337 |
| 15 | State Farm | $1,337 |
| 16 | Amica | $1,443 |
| 17 | Titan | $1,476 |
| 18 | American Family | $1,478 |
| 19 | MetLife | $1,521 |
| 20 | Safeway | $1,554 |
| Quote Your Rates Go | ||
The Hartford may have some of the lowest car insurance rates in Scottsdale at around $820 per year. Auto-Owners, Safeco, Progressive, and Travelers also qualify as some of the best Scottsdale, AZ auto insurance companies.
In the rate table above, if you are a policyholder with Safeco and switched to The Hartford, you might see yearly savings of upwards of $103. Policyholders with Progressive may save as much as $298 a year, and Travelers customers might reduce prices by as much as $299 a year.
To see if your current coverage is too expensive, click here to start a quote or visit any of the companies below.
These prices are averaged for all drivers and vehicles in Arizona and do not factor in a vehicle location for uninsured drivers. So the auto insurance company that is best suited for you may not even be in the top 28 companies shown above. That affirms the importance of why you need to get rate quotes from many companies using your own specific driver information and vehicle.
How accidents and violations affect rates
The best way to find low insurance premiums in Arizona for drivers with no prior coverage is to drive safely and avoid accidents and violations. The illustration below demonstrates how citations and fender-benders can impact insurance rates for different age categories. The information is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
The data above shows the average cost of a car insurance policy in Scottsdale per year with no accidents and a clean driving record is $1,263. Add in two speeding tickets and the average cost hikes up to $1,660, an increase of $397 each year. Then include two accidents along with the two speeding tickets and the annual cost of insurance for uninsured drivers increases to an average of $3,322. That’s an increase of $2,060, or $172 per month, just for a couple of infractions!
Choosing the top car insurance provider can be difficult considering how many companies sell coverage in Arizona. The information displayed below could help you analyze which car insurance providers to look at when shopping car insurance rates for uninsured drivers. These rankings only include companies with a nationwide focus, so companies that have a smaller presence are not included in the list.
Top 10 Major Auto Insurers in Scottsdale Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Major Auto Insurers Overall in Scottsdale
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
The chart below shows how choosing a deductible can impact yearly insurance costs when searching for cheap insurance for uninsured drivers. The rate quotes are based on a married female driver, comp and collision included, and no policy discounts are applied.
The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $206 a year by increasing from a $100 deductible to a $500 deductible, or save $310 by choosing a $1,000 deductible. Young drivers, like the 20-year-old example, could potentially save up to $508 or more just by choosing larger deductibles.
If you make the decision to raise deductibles, it will be important to have additional funds squirreled away to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.