Car Insurance in Glendale, AZ

Travelers offers the cheapest car insurance in Glendale at $150/mo.
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By Renata Balasco

Updated October 28, 2026

Reviewed By Beth Swanson

Edited By Kristine Lee

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Cheap liability and full coverage auto insurance in Glendale
Why is car insurance in Glendale so expensive?
Rates after an accident or ticket
Glendale auto insurance FAQs

How much does car insurance cost in Glendale?

Car insurance in Glendale averages $1,547 ($258 per month)^[1] — more expensive than the average premium in Arizona ($1,283).^[1] In fact, 39% of our customers in Glendale think they're paying too much for their car insurance.

Travelers is the cheapest option for most drivers looking to save, with full coverage rates around $150 per month. GEICO is the cheapest option for those who prefer to stick with minimum liability coverage requried by the state at $54/mo.

Glendale car insurance costs run one of the most expensive cities when compared to the US average.
Travelers offers the cheapest full coverage rates in Glendale at $150/mo. For minimum liability coverage, GEICO is the cheapest option at $54/mo.
An at-fault accident in Glendale can cause rate hikes of up to $794 on a 6-month full coverage policy.

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Cheap liability and full coverage auto insurance in Glendale

In Glendale, the cheapest insurer depends on whether you're shopping for broad protection or just the coverage Arizona requires. Travelers has the lowest average full coverage premium in 2026, at approximately $150 per month. For minimum coverage, GEICO comes in lowest at about $54 per month. Eligible military members and their families may also want to compare a quote from USAA.

Updating data...

Company	Full coverage (6-month)	State minimum (6-month)
Noblr	$624	$210
Travelers	$899	$377
Root	$902	$398
Progressive	$910	$401
GEICO	$959	$322
USAA	$974	$264
Farm Bureau Mutual (IA Group)	$1,117	$466
Auto-Owners	$1,221	$492
Metromile	$1,252	$711
Mercury	$1,401	$423
Nationwide	$1,502	$781
Country	$1,776	$861
The Hartford	$1,996	$713
Encompass	$2,083	$954
Farmers	$2,100	$921
Allstate	$2,291	$669
MetLife	$2,641	$694
Safeway	$2,674	$1,162

Source: The Zebra

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Approximately 36% of drivers in Arizona carry only the minimum insurance required by law. Choosing the minimum can trim down your monthly premium, but it also means accepting more financial exposure if damages are substantial.

It's important to consider whether you want additional coverage to protect yourself from an at-fault accident, especially given Glendale's higher than average rate of uninsured drivers.^[2]

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Why is car insurance in Glendale so expensive?

In 2026, auto insurance rates are shaped by local factors such as weather, traffic and accident frequency, and uninsurance rate, all of which can increase insurers' costs.

1. Weather

Glendale's desert climate can contribute to higher car insurance costs throughout the year. Summer monsoon storms frequently bring heavy rain, flash flooding, strong winds, blowing dust, and occasional hail, all of which can damage vehicles or create hazardous driving conditions. Extreme heat can also take a toll on vehicles. These weather-related events increase insurance claim activity and can contribute to higher premiums over time.

2. Traffic

As a major destination in the Phoenix metropolitan area, Glendale experiences heavy traffic on Loop 101, Grand Avenue (US-60), Glendale Avenue, and Bell Road. Daily commuters, sporting events at State Farm Stadium, concerts, and ongoing residential growth create periods of significant congestion. The higher volume of traffic increases the likelihood of collisions, contributing to higher insurance claim costs and premiums.

3. Uninsured drivers

Glendale’s status as a major entertainment destination can put local drivers alongside large waves of unfamiliar motorists, especially around games, concerts, and other events. Loop 101 handles much of this regional traffic, and not everyone traveling it is insured. In fact, Glendale's uninsured driver rate is higher than average at 31%. A wreck involving an uninsured driver may shift the financial burden to the insured motorist’s own coverage, creating additional claims that can factor into car insurance costs in Glendale.

Arizona Offers Optional Full Glass Coverage

"One thing I always point out to Glendale drivers is that Arizona requires insurance companies to offer full glass coverage if you have comprehensive coverage on your policy. If you choose that option, windshield repairs and replacements can be covered without paying a deductible. With all the freeway driving around Glendale and the amount of road debris that can kick up, it's a coverage I recommend customers take a close look at before they ever need it."

-Renata Balasco, Licensed Agent and Insurance Writer at The Zebra

Car insurance rates after an accident in Glendale

An At-fault accidents raise car insurance rates by an average of $794 for a 6-month policy in Glendale. Rate increases following violations such as accidents, tickets, reckless driving, or DUIs tend to last three to five years.

Keeping a clean driving record is the best way to avoid increases.

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City+State

Updating data...

Accident/Violation	Avg. 6 Mo. Premium
Wrong way/wrong lane	$2,007
Leaving scene of an accident/hit and run	$3,183
DUI	$3,101
Driving with a suspended license	$2,818
Speeding in school zone	$1,972
Reckless driving	$2,815
Failure to stop at a red light	$1,998
At-fault accident - less than $1000	$2,153
At-fault accident - $1000-$2000	$2,334
Illegal turn	$1,998
At-fault accident - greater than $2000	$2,341
Two comp claims	$1,691
One comp claim	$1,636
Not-at-fault accident	$1,573
Cell phone violation	$1,997
Racing	$3,171
Improper passing	$2,026
Driving with expired registration	$1,988
Open container	$2,481
Speeding 16 - 20 MPH over limit	$1,989
Failure to wear a seat belt	$1,795

Source: The Zebra

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Glendale car insurance FAQs:

How much is car insurance in Glendale?

The average for a six-month full coverage auto insurance policy in Glendale is $1,547 or $258 per month. This is more expensive than both the national and Arizona state averages.

What is the cheapest car insurance in Glendale?

Travelers is the carrier with the cheapest full coverage rates in Glendale, coming in at an average of $150 per month. GEICO is the cheapest option for minimum liability coverage at $54/mo.

How much is car insurance in Glendale for teenagers?

The average Glendale teen pays over $3,461 for a six-month full coverage policy or $577 per month. It is usually significantly less expensive for teens to be added to their parent's policies than to have their own.

Why is car insurance so expensive in Glendale?

Even if you have a clean driving record, Glendale drivers may still see higher insurance rates. Local repair costs, traffic congestion, inflation, higher than average rates of uninsured drivers, and the increasing cost of replacing advanced vehicle technology have all driven up insurance prices throughout the Glendale area.

Can I lower my coverage to save money in Glendale?

Choosing lower coverage limits, increasing your deductible, or removing optional coverages can reduce your car insurance premium. However, those changes also mean you'll pay more out of pocket if you're involved in an accident or your vehicle is damaged.

Sources:

Data Methodology. The Zebra's Dynamic Insurance Rating Tool

Data Methodology. The Zebra's Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra.

Anonymized User Surveys. The Zebra.

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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.