Scottsdale Car Insurance
A new kind of car insurance in The West's Most Western Town.
Spinning your wheels trying to get the best car insurance rates in Scottsdale, Arizona?
In Scottsdale, Lemonade drivers’ premiums are calculated based on how many miles they actually drive, along with other factors. So if you’re going to grab brussel sprout nachos from Diego Pops, or going on an adventurous weekend excursion to Fossil Creek, Lemonade Car might be a great fit.
The last thing you want to do is randomly pick a car insurance provider and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident.
You can drive with confidence in Scottsdale knowing you’re covered with Lemonade Car.
Insurance requirements and limitations in Scottsdale are determined by the state of Arizona. But don’t sweat the details. When you apply for Lemonade Car, we’ll automatically get you hooked up with the car insurance required coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.
What car insurance coverage is required in Scottsdale, AZ?
The state of Arizona requires all Scottsdale drivers to have car insurance.
Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.
For example, Scottsdale drivers are required to have a minimum of $25,000/$50,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.)
To comply with Scottsdale’s car insurance coverage requirements, Scottsdale drivers need the following coverages and minimum coverage amounts:
| Required minimum coverages for Scottsdale, AZ drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $25,000/50,000 |
| Property damage liability coverage | $15,000 |
Keep in mind: Your levels of bodily injury and property damage liability coverage don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on the Lemonade app.
Additional coverages available to Scottsdale drivers
Scottsdale drivers who drive with Lemonade Car can (and arguably should) add the following coverages to their auto insurance policy to boost their protection behind the wheel.
| What add-on coverages does Lemonade Car offer? | What can it help pay for? |
|---|---|
| Collision coverage | To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on). |
| Comprehensive coverage | To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, vandalism, theft, and so on). |
| Uninsured/underinsured driver bodily injury coverage (UMBI) | Medical bills and lost wages related to injuries caused by an uninsured driver or underinsured driver. |
| Medical payments coverage (aka MedPay) | Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible. |
| Temporary transportation coverage | Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised. |
| Glass and windshield coverage | To repair/replace your windshield, your sunroof, or your back glass if it’s damaged. |
| Roadside assistance | Towing and other emergency roadside services—like lockout services, flat tire replacement, jumpstarts for dead batteries, fuel delivery, winching, and battery service if your car breaks down. |
Get the full scoop here, if you want to dive into the nitty-gritty of what Arizona car insurance has to offer.
How much does Lemonade Car insurance cost in Scottsdale, Arizona?
Well, that depends.
Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles.
But at Lemonade Car, the way you drive matters, and actually helps determine your price. So when you’re building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price and average cost for your car insurance policy.
When you buy a Lemonade Car policy in Scottsdale, you determine how much you spend each month based on how many miles you actually drive, making Lemonade especially ideal for the low-mileage driver.
Each month you’ll pay a different price; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
The right car insurance combines the coverage limits you need with auto insurance rates and deductibles you can afford. That’s why Lemonade Car offers insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance at Lemonade Car and more ways you can lower the cost of your rates.
The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website.
Click below to get your car insurance quote in Scottsdale.
Looking for some fun in the Arizona sun?
Looking to get out of the city for an afternoon? Buckle up: These super quick day trips might satisfy your wanderlust without getting too far from the west’s most western town.
Jerome, AZ
Jerome, Arizona, a historic mining town turned artist haven, is a 2-hour drive from Scottsdale. Perched on Cleopatra Hill, it offers panoramic views of the Verde Valley. Visitors can explore art galleries, unique shops, and historical sites like the Jerome State Historic Park and Gold King Mine Museum. Jerome’s rich history and vibrant arts scene make it an ideal day trip or weekend getaway from Scottsdale.
Fossil Creek
Fossil Creek, Arizona, is an adventurer’s paradise just a 2.5-hour drive from Scottsdale. Known for its stunning turquoise waters and lush, forested canyon, Fossil Creek offers thrilling hiking trails, refreshing swimming holes, and picturesque waterfalls. The journey to this natural wonder involves a rugged drive and a moderate hike, making it perfect for those seeking an outdoor challenge and an unforgettable experience in nature.
Papago Park
For those with a sense of adventure, Papago Park is a must-visit for outdoor enthusiasts. The park boasts stunning red sandstone formations, scenic hiking trails, and the picturesque Hole-in-the-Rock, offering panoramic views of the city. It’s an ideal spot for hiking, picnicking, and exploring the natural beauty of the desert landscape. If you’re looking to escape the city for a little while, hop in the car and take the 9-minute drive from Scottsdale to explore this unique landscape.
Tombstone
Tombstone, Arizona, a historic Wild West town about a 3-hour drive from Scottsdale, offers a supernatural adventure with haunted sites like the Bird Cage Theatre and Boothill Graveyard. Walking its old streets and visiting eerie landmarks, you can feel the presence of lingering spirits, making Tombstone a thrilling destination for history buffs and ghost hunters alike.
Other ways to get around Scottsdale
Lemonade Car in Scottsdale was really designed to shine for low-mileage, safe, and environmentally-conscious drivers. Since your monthly mileage determines your premium, the less you drive the more you’ll save.
We get it, cars can be a major convenience, but sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative.
Luckily, Scottsdale offers a variety of public transportation options that can suit your needs. The Valley Metro buses can take you where you need to go in the Valley. You can utilize the convenient trip planner to prepare for the day ahead.
Scottsdale also offers a free trolley service downtown. Operating Monday through Friday from 5:45 AM to 7:45 PM, the trolley runs every 20 minutes and will connect you to Valley Metro bus stops and favorite Scottsdale destinations like the Scottsdale Museum of Contemporary Art.
If you don’t mind breaking a sweat, you may want to consider taking your bike out for a spin. Did you know that the League of American Bicyclists ranked has Scottsdale rated as Gold Level for Being a Bicycle Friendly Community? You can plan out your trip using the City of Scottsdale’s Bike and Trails map.
Fun ways to get around town
Did you know that transportation isn’t just about getting to and from your destination? Sometimes, the journey itself is the highlight! Scottsdale has some exciting ways to explore the city while having a great time along the way.
Arizona Party Bike
The Arizona Party Bike in Scottsdale, AZ, provides a fun and unique way to explore the city’s downtown. It’s a pedal-powered vehicle where groups can enjoy drinks, music, and a lively atmosphere, perfect for birthdays, team-building, or simply hanging out with friends. It’s a memorable experience that combines cycling with socializing, ideal for both locals and tourists.
Puzzle Rides
Puzzle Rides AZ offers a unique way to explore Scottsdale, AZ. Participants solve clues and puzzles during a self-guided adventure to discover hidden gems and learn about the city’s history and culture, all on a golf cart! It’s a perfect blend of sightseeing and brain-teasing fun, ideal for families, friends, or anyone looking for a memorable experience in Scottsdale.
Segway Tours
Scottsdale Segway Tours offers a thrilling way to explore the city. Led by local guides, participants effortlessly glide through historic streets and scenic paths, learning about Scottsdale’s culture and stories. It’s an ideal activity for both tourists and locals, providing a unique perspective on the city’s charm and history.
Before we drive off into the sunset…
Scottsdale drivers, we can’t wait for you to take Lemonade Car for a spin. Here’s hoping you never get stuck in rush hour traffic on the 101!
Lemonade offers top-of-the-line coverage and trunk loads of insurance discounts—plus opportunities to make the road (and the world around us) a better place.
Our great coverage and super fast claims resolution don’t stop at Lemonade Car, though. Did you know that we also offer homeowners, renters, pet, and life Insurance? Not only could you be eligible for our bundle discounts, you can also manage each of your Lemonade policies through the same app you use for Lemonade Car.
Let’s drive.
