Scottsdale is one of Arizona's most affluent cities, home to approximately 260,000 residents and a high concentration of luxury vehicles, resort properties, and retirees. The combination of expensive vehicles, high property values, and Scottsdale's location in the northeast Valley makes auto insurance rates above the Phoenix metro average.
In 2026, the average Scottsdale driver pays approximately $1,950 per year for full coverage and around $585 per year for liability-only coverage.
Luxury and Classic Car Insurance in Scottsdale
Scottsdale is home to one of the world's premier classic car auction events (Barrett-Jackson) and a large population of luxury and exotic vehicle owners. Standard auto insurance policies may not provide adequate coverage for high-value vehicles — agreed value or stated value policies are often the better choice for Scottsdale's luxury car owners.
Average Auto Insurance Rates in Scottsdale by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 85251 | Old Town Scottsdale | $2,050 | $615 |
| 85254 | North Scottsdale / Paradise Valley border | $1,850 | $555 |
| 85255 | DC Ranch / Pinnacle Peak | $1,800 | $540 |
| 85259 | Gainey Ranch / McCormick Ranch | $1,900 | $570 |
| 85266 | Far North Scottsdale | $1,750 | $525 |
Get Your Free Scottsdale Auto Insurance Quote
Sewell Insurance Agency is licensed in Arizona and serves all of Maricopa County. Our licensed brokers specialize in finding the right coverage for Scottsdale's diverse range of vehicles and properties.