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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Nathan Foster

Agency Trainer

  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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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
Arizona Average $871
Glendale Average $1,068

The cheapest car insurance companies in Glendale

1st place medal
1st place: Root

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. 

2nd place medal
2nd place: Auto-Owners

Auto-Owners came in second at $94 a month ($566 for six months).

3rd place medal
3rd place: USAA

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.

The Zebra's key takeaways about car insurance in Glendale:

  • The average cost of a car insurance policy in Glendale is $1,068 per six-month policy — or $178 per month.
  • The cheapest company in Glendale is Root ($389 every six months).
  • Glendale ranks as the third most expensive city for car insurance in Arizona.
  • 39% of Zebra customers in Glendale stated they used our product because they were paying too much for car insurance.

Are you paying too much for auto insurance?

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Glendale car insurance rates by company

Our research determined that for complete coverage, Root is the most affordable auto insurance company in Glendale in 2024. 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
Company Avg. 6 Mo. Premium
Root $389
Auto-Owners $566
USAA $712
GEICO $757
Progressive $898
State Farm $914
Nationwide $1,038

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.

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.

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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
Company Avg. 6 Mo. Premium
Root $1,044
Auto-Owners $1,767
GEICO $2,085
USAA $2,677
State Farm $3,454
Nationwide $3,717
Progressive $4,439
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s Root $500
30s Root $513
40s Root $518
50s Root $516
60s Root $543
70s USAA $690

Zebra Tip: The cheapest companies for Glendale drivers are Root and Auto-Owners

In Glendale, drivers aged 20 to 40 make up the largest portion of the driving population, based on our research. This group usually pays about $1,218 every half a year for car insurance. By selecting one of our recommended insurance companies, drivers within this age range could save up to 50%.

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
Company Avg. 6 Mo. Premium
Auto-Owners $204
Root $207
USAA $224
GEICO $266
Progressive $382
State Farm $393
Nationwide $468

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
car insurance in glendale by credit score
Company Avg. 6 Mo. Premium
Root $516
GEICO $992
USAA $1,372
Nationwide $1,409
Progressive $1,531
Auto-Owners $1,634
State Farm $3,793

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 2024 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
Company Avg. 6 Mo. Premium
Root $389
Auto-Owners $566
USAA $712
GEICO $757
Progressive $898
State Farm $914
Nationwide $1,038

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
None $1,068 0% $0
One Med/PIP claim $1,068 0% $0
Not-at-fault accident $1,070 0% $2
Two Med/PIP claims $1,114 4% $46
One comp claim $1,115 4% $47
Two comp claims $1,173 10% $105
Child safety restraint $1,209 13% $142
Driving without lights $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
Failure to yield $1,345 26% $277
Failure to stop at a red light $1,345 26% $277
Following too closely $1,345 26% $277
Illegal turn $1,345 26% $277
Texting while driving $1,347 26% $279
Cell phone violation $1,347 26% $279
Improper passing $1,360 27% $292
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
Open container $1,627 52% $560
Reckless driving $1,810 69% $742
Driving with a suspended license $1,821 71% $753
DUI $2,029 90% $961
Refusal to submit to a chemical test $2,029 90% $961
Racing $2,090 96% $1,022
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

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State minimum requirements are high

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. 

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Increased cost of living

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.

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Weather risk

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.

Zebra Tip: Consider uninsured property damage coverage

Glendale faces a serious issue, as research indicates that around one in four drivers do not have insurance, making the roads more dangerous for other drivers. To address this problem, acquiring uninsured motorist coverage (UMPD) is an effective approach as it provides coverage for damages caused by uninsured or underinsured drivers. UMPD is also more cost-effective than collision insurance, with a reduced deductible and minimal impact on premiums after filing a claim.

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.

bundling home and auto insurance in glendale
Cheapest car insurance companies for bundling home and auto insurance in Glendale, AZ
Company Avg. 6 Mo. Premium
Root $373
Auto-Owners $498
USAA $655
GEICO $720
State Farm $753
Progressive $777
Nationwide $918

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!

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Frequently asked questions

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.

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.

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.

Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Glendale, AZ

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.