Scottsdale residents and Arizona citizens as a whole consider driving essential to their daily lives. Nearly 67% are licensed. You might want to find the best Scottsdale car insurance to protect your vehicle and finances. Scottsdale residents may find it useful to know that the average premium for car insurance is $660 per annum for minimum coverage, and $1,673 per year for full coverage.
Bankrate’s editorial team in insurance reviewed the market share of Scottsdale’s largest insurance companies. They also looked at coverage options, discounts, and third-party rankings. Our research may help you find the best ways to save money on car insurance and still provide coverage that meets your needs.
Scottsdale’s best car insurance company
Scottsdale has many car insurance companies. Quadrant Information Services provided us with average premium information to help us choose which companies we would feature. When shopping for car insurance, premium is only one factor. J.D. customer satisfaction scores were also considered. We also reviewed J.D.’s customer satisfaction scores.
Geico
Geico has the lowest Scottsdale average minimum and full-coverage premiums. The many discounts available could explain this. If your vehicle is equipped with safety features such as daytime running lights and anti-lock brakes, you may be able save. This applies whether you are a federal employee, military member, or if Geico offers more than one policy.
Geico is a great option if you prefer to manage your car insurance online. Geico ranked first in the 2021 J.D. The Power U.S. Insurance Digital Experience Survey for the Service category was awarded the top spot. Geico’s Mobile App is highly rated in Google Play and the App Store. It allows you to view ID cards, pay bills, make claims, file claims, request roadside assistance, and make policy modifications.
Mercury
Mercury may be a good option for you if you have any tickets or accidents on the driving record. Although Mercury is most well-known for offering no-frills coverage to high-risk drivers and passengers, it also offers coverage to everyone. Mercury offers many discounts to help you save. These include automatic payments and paperless policies.
Mercury, like Geico, offers a strong digital customer experience. The 2021 J.D. placed Mercury first. The Power U.S. Insurance Digital Experience Survey for the Shopping category shows that customers enjoy digital quoting as well as the purchasing experience.
All over the country
Nationwide may be the right choice if you’re looking for car insurance that will help you improve your driving skills. Two usage-based programs are offered by Nationwide, SmartRide or SmartMiles. Both of these programs can help you save money and make it easier to learn how to drive safely. SmartRide monitors your driving habits for up to six months before you receive your final discount. SmartMiles is designed for customers who have low annual mileage.
You can also get more traditional discounts like multi-policy multi-car, safe drivers and vehicle safety features. Nationwide has a wide range of optional coverages that can be added to your policy. You can add gap coverage, roadside assistance, total loss deductible waiver, and accident forgiveness to your policy.
Travelers
Travelers is a great choice if you are looking for a flexible policy. The company provides many optional coverages including new car replacements, roadside assistance and accident forgiveness.
You can also save with a variety of discounts offered by the company. If you have more than one vehicle, bundle your auto and home, own a home (even though you don’t insure it with Travelers), or insure an electric or hybrid vehicle, you might be eligible for a discount.
Scottsdale has the lowest car insurance
Scottsdale’s average cost for car insurance is $1,673 per year for full coverage. The Arizona average full-coverage premium for Arizona is $1.547 per annum, while the national average is $1.674.
While Scottsdale’s full coverage premium average is slightly higher than Arizona, it is still in line with national averages. There are however insurance companies that provide coverage in Scottsdale at rates far lower than the average.
While finding cheap auto insurance policies is an important consideration for many drivers, it’s not the only one. It is also worth looking into the company’s financial strength, customer service ratings, and coverages. It is often worth taking the time to choose a policy that suits your needs and fits within your budget.
Scottsdale insurance requirements
Arizona drivers must have at least the following minimum car insurance limits:
- $25,000 per person for bodily injury
- $50k bodily injury per accident
- $15,000 for property damage
While you are legally allowed to drive after you have the minimum coverage, most insurance professionals recommend you buy higher liability limits to increase your financial protection. You will be responsible for any excess insurance if you cause an accident that results in more damages or injuries than the coverage you have.
Financial institutions may also require that you have complete coverage. You will need collision and comprehensive coverage if you have a loan, lease, or other financial obligation. These coverages cover your vehicle’s damage. You may be required to set a deductible and have certain liability limits by lenders.
Scottsdale car insurance discounts
There are a few discounts that only certain carriers offer to help you save money on your car insurance. There are discounts offered by many companies that can make a big difference in your premium. These discounts include:
- Bundling discounts
- Teens and young adults have the highest car insurance premiums. Your premium might be reduced by taking advantage of discounts for young drivers like distance student discounts, good student discounts, or driver education program discounts.
- Telematics discounts: Your premiums could be significantly reduced if you enroll in a program that tracks your driving and mileage. An app will be required to track your driving.
- You can save money on your car insurance by being a safe driver. If you don’t file a claim within a specified time period, many companies offer accident-free discounts. Your premiums will not rise due to surcharges if you drive safely.
Talking with your agent or representative from your company could help you discover additional ways to save.
Questions frequently asked
Which is the best auto insurance company?
Car insurance isn’t a product that fits all. It is up to you to choose the best car insurance company. You may need to compare quotes from different carriers in order to find the best company for you.
What are the best ways to get insurance in Scottsdale
First, get a quote to purchase car insurance. Online quotes are available from many companies. You can also call an insurance agency or visit a local office for a quote. Name, address, and date of birth are required. Also, the names and dates and births of any additional drivers that need to be insured. Also, you will need the year, make and model of the vehicle(s) that you want a quote. It is helpful to have an idea of what coverages you need, but an agent should help you make a decision. The company will help you with the next steps once you have received a quote.