Scottsdale Insurance Rates:

Scottsdale, AZ home insurance is roughly $579 to $788, about $48-$65/month. Our extensive research indicates shoppers can save as much as $273 by getting multiple quotes

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Scottsdale, Arizona Homeowners Insurance Reviews separate fact from fiction. Compare realistic quotes from the best home insurance providers.

Scottsdale Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $480/3 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $815,000

5 Beds, 5 Baths 4810 sqft Primary Residence Constructed In 1991 with Stone Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, Copper Water Pipes, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $310/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $350,000

3 Beds, 3 Baths 1740 sqft Primary Residence Constructed In 2000 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $150/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $325,000

3 Beds, 3 Bath 2090 sqft Vacation Property Constructed In 2011 with Ceramic Tile Flooring, Shingles Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $210/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $420,000

4 Beds, 4 Baths 2020 sqft Vacation Property Constructed In 2007 with Stone Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $220/2 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $300,000

3 Beds, 3 Baths 1553 sqft Primary Residence Constructed In 1971 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Female who is Unemployed and has More than 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Scottsdale, AZ Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
85256 $85,000 $600
85262 $667,500 $780
85255 $612,900 $780
85259 $581,000 $770
85258 $453,700 $700
85260 $383,600 $690
85254 $371,300 $690
85250 $264,900 $660
85251 $249,500 $650
85257 $186,500 $620

Scottsdale Rates & Quotes Analysis:

Scottsdale Area Estimated House Insurance
E Ann Way, E Remuda Dr, N 62nd, Breathless Dr, E Overlook Dr, N Eagle Feather Ridge Dr, N 145th Way, E Dusty Coyote Cir, E Lomas Verdes Dr, E Calistoga Cir$694
E Conieson Rd, N Medelice Ln, N Piedra Grande Dr, E Bella Vista Dr, E el Caminito Dr, Moreland St, N 128th Pl, Ocotillo Cir, E Redwing Rd, E Burnside Trl$763
E Sundown Cir, E Chia Way, N 144th Way, E Onyx Ct, N Dancing Sky Dr, N Burnt Water Trl, E White Wing Dr, E Mountain Spring Rd, E Arizona Park Pl, Pine Valley Rd$800
E Bursage Dr, E Prairie Cir, N Goldfield Rd, N Solcito Ln, N Carhill Ave, N Civic Center Plz, 51st Hwy, N Kachina Ln, E Bisbee Rd, E Coolidge Ave$None
Ridgeline Dr, N Pulve Ct, 108th Way, E Tarantini Ln, N Rancho Vista Ct, E Quail Track Rd, E Summit Dr, Latham Dr, E Hope Dr, N Sunrise Ranch Rd$722
E Cll Redonda, E Scottsdale Healthcare Shea, E Flicker Dr, E Gila Bend Rd, E Brisa Dr, N Canyon Crossings Dr, E Saltillo Dr, E Greythorn Dr, N Sin Vacas Trl, E Woodley Way$806
N 135th Pl, E Meadowhill Dr, E Bahia Dr, E Rhoads Ct, N Fernwood Ln, E Foothill Dr N, N Pacesetter Way, E Mission Lane Cir, N Mimosa Dr, E Casa Blanca Dr$817
E Montgomery Ct, N Via de la Brisas, E Gamble Ln, N 123rd St, E Rovey, E Caballo Dr, E Hedgehog Pl, Desert Bloom Cir, E Hibiscus Way, E Grapevine Rd$800
Stirrup Cir, E Cll del Sol, E 73rd St, N White Wing Rd, E Cll Serena, E Firethorn Dr, E Ramuda Dr, E Desert Vista Dr, E Ann Way, N Mountainside Dr$815
E Mazatzal Cir, E Sienna Bouquet Pl, N Rockne Rd, E San Ramon Dr, E Palo Brea Dr, N Indigo Hill Dr, N Boulder Dr, E Via Sierra, E Via de Los Libros, E San Daniel Dr$704

Insurance rates are influenced by a number of factors including:

  • Year Built: 20,167 Homes (16% of total homes ) built between 1970 to 1979 in Scottsdale are paying home insurance between $1,109-$1,119. Places close to Scottsdale, AZ such as Carefree, Paradise Valley, Rio Verde are more expensive by $131, $287, $29 respectively while Fountain Hills and Salt River are cheaper by $20 and $157 respectively for similar homes.
  • Bedrooms: 24,225 4 bedrooms homes (19% of total homes ) in Scottsdale are paying about $752 and differs from Carefree (+$89), Paradise Valley (+$195), Rio Verde (+$20), Fountain Hills (-$13) and Salt River (-$101).
  • Auto Insurance Bundling: 33,469 Households (48% of all households) in Scottsdale have 2 vehicles available and when it is bundled with home insurance you can save $136. Discounts for similar bundling in close by locations such as Fountain Hills, Carefree, Paradise Valley come to $134, $153, $172 respectively.
  • Senior Discounts: 39,156 seniors (more than 55 years) occupied housing units (56% of total) in Scottsdale get discounts between $102 to $104. The comparative concessions in proximate regions such as Fountain Hills, Carefree and Paradise Valley are $100, $114 and $129 respectively.
  • New Homes discounts: New homes such as the 64,604 homes built between 2000 to 2009 in Scottsdale can save $136 and similar new home insurance discounts in nearby towns and cities like Fountain Hills, Carefree and Paradise Valley are $134, $153 and $172 respectively.

Scottsdale Homeowners insurance Facts

  • Scottsdale, AZ has 69,418 owner occupied houses which is 69.4% of all units whereas Fountain Hills, Carefree and Paradise Valley have 83.48%, 82.32% and 95.77% respectively.
  • Scottsdale, AZ homeowners yearly insurance price at $684 is 0.17% of the typical house value of $396,700 which is in contrast with 0.19% in Fountain Hills, 0.11% at Carefree & 0.09% in Paradise Valley.
  • Homeowners in Scottsdale, AZ pay 1.82% of their income ($35,000 to $39,999) in insurance whereas homeowners in Fountain Hills, Carefree and Paradise Valley pay 1.79%, 2.04% and 2.3% respectively.
  • Scottsdale, AZ’s insurance is 2.7% of monthly housing costs of $2,134/month, for owners with a mortgage compared to 2.91% in Fountain Hills, 1.91% at Carefree & 1.79% in Paradise Valley. But, for households without a mortgage, insurance is 10.4% of costs ($549 in Scottsdale, AZ) in contrast with 11.52% in Fountain Hills, 10.14% at Carefree & 7.17% in Paradise Valley.

Scottsdale, AZ Home Values & Insurance rates

For example, insurance for 393 Homes (1.0% of total homes ) valued between $90,000 to $99,999 in Scottsdale, AZ is about $157.

Scottsdale, AZ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,761 5.0% $41
$70,000 to $79,999 362 1.0% $123
$90,000 to $99,999 393 1.0% $157
$100,000 to $124,999 1,500 4.0% $184
$125,000 to $149,999 2,113 6.0% $232
$150,000 to $174,999 2,880 8.0% $273
$175,000 to $199,999 2,538 7.0% $321
$200,000 to $249,999 5,963 17.0% $383
$250,000 to $299,999 6,622 18.0% $471
$300,000 to $399,999 10,059 28.0% $601

Renters Insurance in Scottsdale

  • Average Renters Insurance in Scottsdale :  $28($2/month)

  • Median Gross Rent in Scottsdale :  $1,127

  • Scottsdale Renters Insurance to Median Rent Ratio:  0.18%

  • Renter occupied housing units in Scottsdale :  30,629

Scottsdale Renters Insurance as a Percentage of Rent

Scottsdale Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 350 1.0% $1207
$500 to $749 2,518 8.0% $1882
$750 to $999 7,620 25.0% $2632
$1,000 to $1,499 11,678 39.0% $3757
$1,500 or more 6,805 23.0% $5407

Protective device discount in Scottsdale Up to :  $4

Claims-free discount in Scottsdale Up to :  $5