Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Author profile picture

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.

Ross h…

How to find affordable homeowners insurance in Glendale

A critical consideration for every homeowner should be home insurance. Homeowners coverage protects you against fire, wind damage, and theft for your home and the contents inside it. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a house, purchasing an expansive homeowners policy can seem like a great idea. The average homeowners policy costs $113 per month in Glendale, Arizona. This is slightly less than the national average.

The cost of homeowners insurance coverage factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Find out more info about what your homeowners insurance policy covers.

If you want to find cheap home insurance in Glendale, start with shopping around and comparing a variety of different policies. Check out the below summary of average Glendale homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance premiums may vary based on your coverage limits and other factors.

Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings


Glendale home insurance by company

What you pay for homeowners insurance in Glendale will depend on the insurance company you get your policy through. CSAA offers the cheapest home insurance in Glendale, at just $732 per year. This compares favorably to the city’s average homeowners premium of $1,351.

Begin your search for a home insurance policy by reviewing the most affordable companies in Glendale, Arizona, listed below. Then, see our guide ranking the best home insurance companies by customer satisfaction, third-party ratings, and other factors. 

Company Average Annual Rate
CSAA $732
State Farm $926
Liberty Mutual $997
USAA $1,068
Iowa Farm Bureau $1,113


Glendale homeowners insurance prices by coverage level

Your chosen level of homeowners coverage impacts the insurance premiums you pay . In Glendale, carrying $200K dwelling coverage costs an average of $1,071, while carrying additional coverage up to $400K costs $1,855 per year.

Coverage Level Average Annual Rate
$100K Dwelling $717
$200K Dwelling $1,071
$250K Dwelling $1,307
$400K Dwelling $1,855


Glendale home insurance rates by ZIP code

Not every area of Glendale has equal home insurance premiums. The number of claims filed in your local area can be a factor in determining the price of your policy. Put simply, your home's location could have a huge impact in what you pay for homeowners coverage.

If you're looking for the cheapest homeowners insurance premiums in Glendale, take a look at the 85382 ZIP code. In the 85382 area, homeowners coverage usually costs just $1,211 a year — a full $139 less than the Glendale average. If you’re looking for the areas with the most affordable homeowners premiums in Glendale, have a look at the table below.

ZIP Code Average Annual Home Insurance Rate
85382 $1,211
85340 $1,245
85310 $1,268

On the other hand, some areas of Glendale face higher homeowners insurance costs, on average. Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up area rates. An average annual rate of $1,430 makes 85305 the most expensive ZIP code in Glendale for homeowners insurance.

ZIP Code Average Annual Home Insurance Rate
85305 $1,430
85301 $1,420
85303 $1,404


Glendale homeowners insurance deductibles

One of the many choices to be made when looking at home insurance policies is how high to set your deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Where you choose to set your homeowners deductible is directly related to how much you will pay for insurance.

In general, choosing a lower deductible means that your insurance premiums will be higher. Therefore, you may want to think about setting a higher deductible if you aim to secure lower premiums. Remember that your deductible should only be as high as you can reasonably afford in the event of a covered loss.

The chart below displays the average premium costs associated with deductibles offered by most home insurers.

Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,445
$1,000 $1,307
$1,500 $1,242
$2,000 $1,169
$5,000 $979


Home and auto insurance bundling in Glendale

One way to save on insurance costs is to consider bundling your homeowners and auto insurance policies through the same company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in Glendale lead to average annual savings of 16%.

Company Avg. Annual Auto Insurance Rate (With Bundle)
USAA $1,002
GEICO $1,017
State Farm $1,314
Progressive $1,334
American Family $1,343

Compare quotes on Glendale, AZ home insurance today!

Location pin icon
No junk mail. No spam calls. Free quotes.

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.