Scottsdale, AZ
Insuring your car and home in Scottsdale, AZ
Commute, vehicle, and housing data for Scottsdale, plus what it means for your auto and homeowners quotes. A quote is not a binder.
In Scottsdale (244,394 people), 61% of workers commute by driving alone, compared with 67% across Arizona. Homeownership runs at 67%.
Cars, commutes, and households in Scottsdale
| Measure | Scottsdale | Arizona |
|---|---|---|
| Drive alone to work | 61% | 67% |
| Carpool | 4% | 10% |
| Work from home | 31% | 18% |
| Commute of 45 minutes or more | 6% | 14% |
| Commute under 15 minutes | 29% | 25% |
| Households with no vehicle | 4% | 5% |
| Households with 3 or more vehicles | 16% | 23% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are shorter in Scottsdale than statewide: 6% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Remote work is common here: 31% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
Vehicle counts vary: 16% of households in Scottsdale have at least three vehicles (Arizona: 23%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Home values and housing age in Scottsdale
Census figures put Scottsdale's median home value at $789,800 (Arizona: $394,500) and its median year built at 1991. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
For context, the NAIC's 2023 average HO-3 premium in Arizona was $2,114 for homes insured in the $700,000–$999,999 range, and $1,194 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Arizona auto minimums that apply in Scottsdale
The state minimum is 25/50/15. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
Should Scottsdale homeowners bundle?
With 67% of households owning their home, bundling is an option for most Scottsdale families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
What can go wrong in Scottsdale
Insurers in Arizona price for flash floods in washes and monsoon dust storms and microbursts. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
How Scottsdale compares in Arizona
Phoenix: 64% drive alone, 13% commute 45+ minutes, median home $420,700. Mesa: 66% drive alone, 11% commute 45+ minutes, median home $408,000. Chandler: 63% drive alone, 11% commute 45+ minutes, median home $507,800. Scottsdale ranks 23rd for long commutes among the 25 Arizona cities we profile.
Scottsdale quote checklist
- Commute distance and typical yearly miles
- Liability limits you want
- Everyone in the household who drives
- Your Scottsdale address, square footage, and year built
- Accidents, tickets, and claims from the last five years
- VINs from registrations or the dashboard
Scottsdale auto and home insurance FAQ
What are the minimum car insurance limits for Scottsdale drivers?
Arizona requires liability of 25/50/15; none beyond liability.
Do Scottsdale drivers have long commutes?
About 6% of Scottsdale workers commute 45 minutes or more and 29% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Scottsdale?
There is no single price. As context, Arizona HO-3 policies averaged $1,194 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Scottsdale
Auto and home insurance in Arizona
Last updated October 15, 2026 · How we research