Glendale, AZ Car Insurance
How much does car insurance cost in Glendale?
Glendale residents pay an average of $178 per month or $1,068 for a six-month auto insurance policy, which is roughly $197 more than the Arizona state average ($871) and $188 more than the national average ($880). Root had the most budget-friendly rates in Glendale, with a six-month policy costing just $389.
Glendale ranks second in the state for car insurance rates, and 39% of our customers in Glendale used our service because they were paying too much for car insurance. To find out more about what impacts car insurance pricing or to compare rates from other companies in Glendale, keep reading.
|Car Insurance in Glendale vs. Arizona||Avg. 6 Mo. Premium|
The cheapest car insurance companies in Glendale
Root is the cheapest company in Glendale at $65 per month or $389 for a six-month policy. Keep in mind that Root is a mileage-based insurance company and premiums depend on your driving frequency and distance.
Auto-Owners came in second at $94 a month ($566 for six months).
USAA is known for its strong reputation but is only available to military members and their families. On average, it costs about $119 per month or just over $712 per six-month policy period.
Are you paying too much for auto insurance?
Glendale car insurance rates by company
Our research determined that for complete coverage, Root is the most affordable auto insurance company in Glendale in 2023. The average monthly premium for this protection is $65, or $389 for a six-month policy. The runner-up is Auto-Owners, with an average cost of $95 per month or $566 for six months.
Use The Zebra's Customer Satisfaction Survey to find the best-rated car insurance companies.
Cheapest car insurance companies in Glendale, AZ
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
Don't let the search for affordable car insurance consume your time and energy. Our comparison tool is here to simplify the process and help you save money on quality coverage. Enter your ZIP code now to view rates from top-rated insurers such as State Farm, GEICO, Travelers, and others.
Average car insurance in Glendale by rating factor
A variety of factors go into determining how much you'll pay for car insurance, and it can be a complicated process. While most insurance companies use rating factors, the weight placed on each factor can vary from carrier to carrier. For instance, one company may put more emphasis on a driver's credit score, while another may delve more deeply into their driving history.
Remember that the right insurance company for you may change over time, just as your coverage needs will change throughout your life. Periodically getting quotes is an excellent way to ensure you're still getting the best possible rates and the right level of coverage.
Q: I didn't have an accident — Why is my insurance going up?
A: In Glendale, end-of-year earnings can have a significant impact on car insurance rates, as they reflect the balance between premiums earned and claims paid out to the insureds. Insurers in a busy city like Glendale must stay competitive while also covering their expenses. Even if you've never filed a claim, you might still face higher rates from certain insurance companies due to their earnings and costs.
Auto insurance premiums by age in Glendale
Insurance companies take many factors into account when calculating your insurance premium, and age is a key ingredient in this process. Teen drivers tend to have a higher accident rate than other age groups, making them a riskier investment for insurance companies. Therefore, they have to pay the highest costs when it comes to car insurance. In Glendale, the difference in rates paid by teenage drivers and drivers in their 20s is $1,879, representing a 151% increase.
This is the highest rate hike among any other age group. However, it is important to remember that insurance companies are not being biased, but are basing their rates on historical data.
Cheapest car insurance companies for teen drivers in Glendale, AZ
Auto insurance premiums for minimum coverage in Glendale
The level of coverage you choose significantly affects your car insurance premium. In Glendale, a quarter of drivers have the state minimum coverage, which can save you money short-term but may not be enough in a severe accident. Opting for full coverage will increase your rates, but it also provides you with extensive coverage in case of a claim. Full coverage involves a deductible, which can lower your rates and still provide peace of mind. Adjusting your deductible is an option to lower your monthly payments while maintaining full coverage.
Ultimately, the choice of how much coverage to get depends on your budget, driving habits, and risk tolerance, but having sufficient coverage is crucial for financial security in the event of an accident.
Roadside assistance is one of the extras that can help you feel more secure while driving. Despite the fact that it could affect your premium, The Zebra advises having it if you want an added level of protection when you're behind the wheel.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
Typically, when leasing or financing a car, you will be required to carry certain coverages. If you own your vehicle outright and are considering dropping comprehensive or collision coverage, it is recommended that you obtain the actual cash value of your vehicle from a trusted source such as Kelley Blue Book.
As a general guideline, if your vehicle is worth less than $4,000, you may be able to eliminate collision coverage, which can lead to reduced insurance premiums. Nonetheless, doing so also means that you would be responsible for paying for any repairs out of your pocket in case of a collision-type accident. Ultimately, it is up to you to weigh the advantages and disadvantages and decide whether to keep full coverage on a lower-value vehicle.
Cheapest car insurance companies for minimum coverage in Glendale, AZ
While ~ coverage is the preferred choice for most of our customers in Gilbert, it may not be suitable for everyone. This budget-friendly option puts you at risk for damages that exceed your liability limits, despite our understanding of its appeal. Arizona's liability limits of 25/50/15 cover damage caused by you, up to $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. Although adequate for most standard car accidents, these limits may not be sufficient for bodily injury claims or accidents involving multiple vehicles.
Learn more about insurance laws in Arizona.
Glendale car insurance rates by credit score
Insurance companies factor in numerous variables when calculating your insurance rates, one of which is your credit score, akin to your age. Although it may not be your favorite consideration, there are reasons for it. Studies demonstrate that drivers with lower credit scores are more likely to file claims, engage in risky driving behavior, and have more gaps in their insurance coverage.
Since lower credit scores are linked with higher risk, insurance companies must factor this in when determining premiums. In Glendale, for example, drivers with poor credit (300-579) pay 110% more than those with excellent credit (800-850).
Our data suggests that 38% of Glendale drivers have an "average (580-679)" credit score, and Root provides the best value for drivers in this category.
Cheapest car insurance companies for drivers with bad credit in Glendale, AZ
Auto insurance rates with an at-fault accident
At-fault and collision-type accidents are the most frequent insurance claims drivers file. They cause significant emotional distress and financial burdens, as they lead to higher premiums. In Glendale, the average monthly car insurance rates rose by anywhere from $178 to $266 in 2023 after an at-fault accident. After such an accident, the most affordable car insurance provider in Glendale is Root.
To keep your insurance premiums at a reasonable level, you need to prioritize safe driving habits regardless of where you drive. While accidents may happen, you can minimize your risk of getting into one by driving cautiously and avoiding reckless behaviors such as speeding, reckless driving, or driving under the influence. These behaviors can result in significant rate hikes, and you may find yourself unable to afford your premiums. Thus, practice defensive driving, be aware of your surroundings, and obey traffic rules to avoid accidents and keep your rates affordable.
Cheapest car insurance companies after an at-fault accident in Glendale, AZ
Glendale car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Glendale.
Car insurance rate increases after violations and citations in Glendale, AZ
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,068||0%||$0|
|Two Med/PIP claims||$1,114||4%||$46|
|One comp claim||$1,115||4%||$47|
|Two comp claims||$1,173||10%||$105|
|Driving without lights||$1,209||13%||$142|
|Child safety restraint||$1,209||13%||$142|
|Failure to wear a seat belt||$1,210||13%||$142|
|Failure to show documents||$1,254||17%||$186|
|Driving with expired registration||$1,298||22%||$230|
|Speeding 6 - 10 MPH over limit||$1,339||25%||$271|
|Wrong way/wrong lane||$1,344||26%||$276|
|Following too closely||$1,345||26%||$277|
|Failure to yield||$1,345||26%||$277|
|Failure to stop at a red light||$1,345||26%||$277|
|Texting while driving||$1,347||26%||$279|
|Cell phone violation||$1,347||26%||$279|
|Speeding 11 - 15 MPH over limit||$1,365||28%||$297|
|Speeding in school zone||$1,371||28%||$304|
|Driving too slowly||$1,372||28%||$304|
|Speeding 16 - 20 MPH over limit||$1,376||29%||$308|
|In 65 MPH zone||$1,414||32%||$346|
|Passing school bus||$1,417||33%||$349|
|Speeding 21 - 25 MPH over limit||$1,422||33%||$354|
|At-fault accident - less than $1000||$1,483||39%||$415|
|Operating a vehicle without permission||$1,509||41%||$441|
|At-fault accident - $1000-$2000||$1,577||48%||$509|
|At-fault accident - greater than $2000||$1,594||49%||$526|
|Driving with a suspended license||$1,821||71%||$753|
|Refusal to submit to a chemical test||$2,029||90%||$961|
|Leaving scene of an accident/hit and run||$2,099||97%||$1,031|
Why is car insurance in Glendale so expensive?
Glendale residents may be surprised to find that their auto insurance premiums are higher than they expected. Several factors contribute to this, including the city's location in the Phoenix metropolitan area, which has a higher cost of living than many other parts of Arizona. In addition, other factors like age, credit history, and driving record can also impact the cost of auto insurance in Glendale.
Rates by ZIP code
Expensive Glendale ZIP codes: 85301, 85303, 85302, 85304, 85305
Cheap Glendale ZIP codes: 85382, 85340, 85310, 85309, 85345
Arizona's strict minimum liability limits contribute to the high car insurance rates in Glendale. Arizona drivers are required to carry 25/50/15 limits, which is considerably higher than the national average.
Glendale's proximity to Arizona's capital city of Phoenix means the cost of living is higher than other Arizona towns. Car insurance tends to be more expensive in larger cities than in rural areas due to the higher risks associated with urban living in the eyes of insurance companies. The high concentration of residents in this metropolitan area means more cars on the road and a more considerable risk of accidents. In addition, car insurance companies adjust their rates in anticipation of the increasing costs of auto repairs and healthcare, which are consistently increasing in Arizona.
While Arizona's environment is predominantly arid, the weather is becoming increasingly unpredictable, resulting in more claims due to severe weather events such as wildfires and flooding.
Bundling insurance policies in Glendale
It seems as though car insurance costs continue to rise without exception. Nevertheless, Glendale drivers can still reduce their auto insurance expenses in various ways. One of the simplest methods to get a discount is to bundle multiple policies with one provider. If you have either renters or home insurance, reach out to your insurance company to learn about combining your auto insurance with them. Check out other companies' bundle discounts as well. By consolidating your premiums, you may be able to save as much as 10%. Learn more about the benefits of bundling home and car insurance policies.
Cheapest car insurance companies for bundling home and auto insurance in Glendale, AZ
While some things may be out of your control, drivers can work to make their profiles more appealing to insurers. The best advice we offer is to shop around and compare auto insurance quotes with as many companies as possible to ensure you're getting the most affordable rate that doesn't compromise coverage and service — especially if any personal factors have changed (like moving, celebrating a birthday and improving your credit). Try as you might, some companies are just more expensive than others; don't be afraid to switch.
Find the best rates for both auto and home insurance in minutes!
Frequently asked questions
What is the cost of car insurance in Glendale?
The average cost of a six-month car insurance policy in Glendale is $1,068, which is higher than both the national average ($880) and the Arizona state average ($871), translating to approximately $178 per month.
Which car insurance company offers the lowest rates in Glendale?
If you are looking for the cheapest car insurance rates in Glendale, Root might be your best bet, with an average cost of $389 per six-month policy.
For teen drivers in Glendale, what type of car insurance is the most affordable?
If you are a teenager looking for car insurance in Glendale, expect to pay around $3,424 or approximately $571 per month for a six-month policy. To help lessen the burden of high insurance costs, we recommend that parents or guardians add teen drivers to their own policies.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.