Compare average insurance rates in Scottsdale for 2026
🏠
Home
$2276
/year
🚗
Auto
$2164
/year
🏥
Health
$488
/month
💰
Life
$23
/month
🏢
Renters
$19
/month
💡 Are you overpaying? Most Scottsdale residents pay 15-30% more than they should.
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Compare Insurance Rates in Scottsdale
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Home Insurance in Scottsdale, AZ
The average cost of homeowners insurance in Scottsdale, Arizona is $2,276 per year in 2026. This compares to the state average of $2,050 per year.
$2,276per year (avg in Scottsdale)
$1443AZ avg: $2,050$3219
Factors Affecting Home Insurance in Scottsdale
🏠
Home Value Average: $380,000
🌪
Weather Risk medium
🌊
Flood Zone 4% of properties
📈
Cost Index 1.11 (100 = national avg)
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$304,000
$152,000
$100,000
$1,707
Standard (HO-3)
$380,000
$190,000
$300,000
$2,276
Premium (HO-5)
$475,000
$285,000
$500,000
$3,072
Auto Insurance in Scottsdale, AZ
The average annual cost of auto insurance in Scottsdale is $2,164, compared to the Arizona state average of $1,950.
$2,164per year (avg in Scottsdale)
$1332AZ avg: $1,950$3108
📋
Minimum Coverage in Arizona: 25/50/15
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$1,190
Full Coverage
100/300/100
$500 deductible
$500 deductible
$2,164
Premium
250/500/250
$250 deductible
$250 deductible
$2,813
Health Insurance in Scottsdale, AZ
The average monthly health insurance premium in Scottsdale is $488 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$488per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$351
$7,000
$9,100
Healthy, low usage
Silver
$488
$4,500
$9,100
Moderate usage
Gold
$610
$1,650
$8,700
Regular medical needs
Platinum
$732
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Scottsdale
💰 Life Insurance
$23
per month (20-year term, $500K)
Life insurance rates in Arizona are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $23/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$19
per month (avg in Scottsdale)
Renters insurance in Scottsdale covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Scottsdale
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Scottsdale, AZ is $2,276 per year for a standard HO-3 policy. Rates range from $1,443 to $3,219 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Scottsdale is $2,164 per year for full coverage. Liability-only coverage averages around $974 per year. Arizona requires minimum coverage of 25/50/15.
Insurance costs in Scottsdale are above the national average (cost index: 1.11). Home insurance averages $2,276/yr and auto insurance $2,164/yr. Higher costs are driven by moderate natural disaster risk.
Key factors include: local cost of living (index: 1.11), moderate natural disaster risk, average home values ($380,000), your personal claims history, credit score, and at-fault insurance laws in Arizona.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Scottsdale residents can potentially save $888+ per year.
Arizona requires minimum auto liability coverage of 25/50/15 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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