BestCar InsuranceGlendaleThe Best Car Insurance in Glendale, AZ, for 2023
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Ensure you're getting the best rate. Review quotes from a top insurance company.
MoneyGeek’s top pick for the best car insurance in Glendale is GEICO. The best insurer for you may vary based on your age and background. MoneyGeek examined top auto insurance companies for young and older drivers, drivers with violations and those with a military background.
MoneyGeek has also provided some key resources if you’re looking for the cheapest car insurance in Glendale.
BestCar InsuranceGlendaleThe Best Car Insurance in Glendale
Overall - GEICO
Minimum Coverage - GEICO
Young Drivers - GEICO
Senior Drivers - GEICO
Driving Violations - GEICO
Military - USAA
Best Car Insurance Companies in Glendale: Overall
MoneyGeek evaluated the average rates, claims ratings and user satisfaction scores to determine the top insurance companies in Glendale. Based on MoneyGeek’s unique scoring system, these companies are:
- GEICO: 92 out of 100
- State Farm: 79 out of 100
MoneyGeek gave USAA a score of 100 out of 100, which makes it the best car insurance in Glendale. However, it is only available to active military members and veterans, so we excluded it from our analysis.
The Top Car Insurance Companies in Glendale
1
GEICOOverall
Score:92
GEICO has relatively high ratings in claims and satisfaction, but it shines the most in affordability. The insurer offers mechanical breakdown insurance, which is a rare add-on coverage. An average full coverage policy costs $847 per year.
More About GEICO
GEICO offers mechanical breakdown insurance (MBI), which protects against damages to all parts and systems on your newly owned or leased car. Another add-on that GEICO offers is accident forgiveness. In the event of your first at-fault accident, your insurance rate won’t go up. GEICO can grant this if you’ve been accident-free for five years or more and are over the age of 21. It’s also possible for you to purchase it.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:79
State Farm earned a perfect score in satisfaction and an above-average score in claims, but it lagged in affordability. They offer rideshare insurance coverage, which is unusual. On average, a full coverage State Farm policy costs $1,297 annually.
More About State Farm
Drivers that work for a ridesharing company may want State Farm’s rideshare insurance. You can get rental car reimbursement, medical and emergency roadside assistance with State Farm.
The insurer has other common coverages, including rental car or travel reimbursement and roadside assistance. Rental car reimbursement covers transportation, meal and lodging expenses up to your chosen limits. Roadside assistance pays for services such as gas or oil delivery, towing and more.
Read MoneyGeek's State Farm auto Insurance ReviewRESOURCES ON CAR INSURANCE IN GLENDALE, ARIZONA
If you’re a budget-conscious driver, MoneyGeek compared Glendale's cheapest auto insurance companies. We also outlined the top-rated insurers and the average cost of premiums in Arizona:
Best Cheap Car Insurance for Minimum Coverage in Glendale
In Glendale, drivers must adhere to Arizona’s state minimum coverage for auto insurance. For minimum coverage, MoneyGeek found that the best auto insurance companies in Glendale are:
- GEICO: 93 out of 100
- AAA: 79 out of 100
This score is based on the evaluation of various driver backgrounds, such as young and older drivers and those with violations.
MoneyGeek’s Pick: GEICO
pros
A minimum coverage policy costs $399 per year
Offers discounts for installing daytime running lights, insuring multiple cars and safe driving
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
cons
Doesn’t have pay-in-full or paperless discounts, which are common
COMPANY HIGHLIGHTS
With GEICO, policyholders can get safe driving, multiple car and bundling discounts. You can get a discount if you have been accident-free for five years, insure multiple cars or bundle your GEICO homeowners or renters policy with your GEICO auto insurance.
GEICO also offers uncommon discounts. Drivers can get a discount if they have an anti-theft system installed or have anti-lock brakes on their car. If you always use your seat belt, GEICO may give you a discount.
Best Car Insurance for Young Drivers in Glendale
MoneyGeek scored policies to help teens and young drivers find the best car insurance in Glendale. Our top picks are:
- GEICO: 94 out of 100
- AAA: 91 out of 100
MoneyGeek based its scores on different coverage levels and driving records of 18-year-old drivers in Glendale. Auto insurance rates for young drivers and students can be more expensive since young drivers lack experience.
MoneyGeek’s Pick: GEICO
pros
An affordable full coverage policy for a safe driver costs $1,850 per year
Has discounts that are ideal for young drivers, such as good student and driver’s education course discounts
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
cons
Doesn’t provide a discount for distant students
COMPANY HIGHLIGHTS
Adding a young adult to your car insurance policy can be expensive. However, GEICO offers quality service and affordable premiums. It’s valuable to have an insurance provider you can trust in case of a crash.
GEICO offers suitable discounts for young drivers, such as good student and driver’s education discounts. Students who have a B average, are in the top 20% of their class or earn a 3.0 GPA can get a good student discount. Those who complete an approved driver’s education course are also eligible for a discount with GEICO.
Add-on coverages that might benefit young drivers and students include accident forgiveness and roadside assistance. These can be useful, especially in emergencies.
Best Car Insurance for Senior Drivers in Glendale
MoneyGeek evaluated various insurance providers in Glendale for senior drivers who are at least 65 years old. We found that the top-rated insurers in the city for seniors are:
- GEICO: 91 out of 100
- State Farm: 78 out of 100
MoneyGeek’s scores are based on profiles of senior drivers with different coverage levels. Car insurance premiums for senior drivers are usually pricier than the average rate.
MoneyGeek’s Pick: GEICO
pros
An affordable full coverage policy for a safe driver costs $925 per year
Offers a defensive driving discount
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
cons
Doesn’t offer a discount for senior drivers
COMPANY HIGHLIGHTS
While there are no differences between car insurance policies for seniors and middle-aged drivers, premiums for older drivers are generally higher. Although it has higher rates than the average full coverage policy, GEICO offers excellent service and affordable premiums.
GEICO offers perks like discounts for seniors who have completed a defensive driving course. The company also offers three out of seven common coverages, including roadside assistance, rental car and/or travel reimbursement and accident forgiveness.
Another benefit that GEICO policyholders can take advantage of is mechanical breakdown insurance (MBI). MBI offers more competitive rates and coverage than the dealer extended warranty and includes all your vehicle’s parts and systems.
Best Car Insurance With a Driving Violation in Glendale
For drivers with a violation on their record, MoneyGeek found the top auto insurance companies in Glendale are:
- GEICO: 93 out of 100
- State Farm: 85 out of 100
MoneyGeek scored companies based on driver profiles with an at-fault accident on their record. Car insurance is more expensive for those with a bad driving record since they are more likely to file claims.
MoneyGeek’s Pick: GEICO
pros
An affordable full coverage policy for a 40-year-old driver with an accident on their record costs $1,233 per year on average
Offers seven out of nine common discounts
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
cons
Doesn’t provide better car replacement or new car replacement coverages
COMPANY HIGHLIGHTS
Drivers with a violation or at-fault accident on their record may find solid deals with GEICO. This insurer offers excellent service and affordable coverage.
GEICO offers one unique coverage, its mechanical breakdown insurance (MBI). This add-on is ideal if you prefer better coverage at an affordable price for all your car’s parts and systems.
GEICO offers seven out of the nine common discounts to help drivers save on their monthly premiums. They provide policyholders with discounts for insuring multiple cars, being a good student, bundling policy types, safe driving, anti-theft system installation, completion of a defensive driving course and airbags.
Best Car Insurance With a Military Background in Glendale
USAA is the top car insurance company for military members in Glendale, balancing affordability and high user satisfaction ratings. MoneyGeek’s scoring system gives USAA a perfect 100 out of 100. USAA is exclusively available to current and former military members and their families.
MoneyGeek based its scores for USAA on varied driver profiles and coverage levels. We accounted for young and older drivers and those with driving violations.
MoneyGeek’s Pick: USAA
pros
A full-coverage policy averages $723 per year for a typical 40-year-old driver
USAA offers five of the most common discounts, including defensive driving
Perfect MoneyGeek claims rating
Perfect MoneyGeek user satisfaction rating
cons
Only offers three of the seven most common coverages
Doesn’t offer new car replacement
Only for veterans and military members
COMPANY HIGHLIGHTS
USAA earned perfect MoneyGeek scores in user satisfaction and claims. USAA maintains its excellent performance when providing insurance for former and current military members.
You can add rental car and/or travel reimbursement and roadside assistance coverages to your policy. USAA also offers accident forgiveness, which means that your premiums won’t increase after your first at-fault accident as long as you’ve been accident-free for five years.
USAA offers policyholders five out of nine common discounts, including safe driving and bundling. With USAA’s vehicle storage discount, you could pay up to 60% less in premiums if you store your insured car.
Methodology
To find the best auto insurance companies in Glendale, Arizona, MoneyGeek compiled and analyzed quotes for various driver profiles. Ratings from AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC) were used to evaluate each insurer in Glendale.
The overall score is scaled to 100 points to generate our composite MoneyGeek score, while each category is scaled to five points. Our ratings for Glendale and all other cities are adjusted based on the weightings for each category below:
- Affordability (70%): MoneyGeek compared car insurance premiums to rank providers based on how much their policies cost. The provider with the cheapest rate received a perfect score of five.
- Customer satisfaction and claims satisfaction (20%): MoneyGeek used J.D. Power, which measures customer satisfaction, to evaluate the service and claims of each insurer. Customer and claims satisfaction was weighted at 10% each.
- Financial stability (10%): MoneyGeek consulted AM Best ratings, which reflect a company’s ability to pay claims even during unfavorable financial conditions.
MoneyGeek examined various driver profiles and accounted for factors such as age, driving record and level of coverage to determine an insurance provider’s overall affordability score. Results were presented to include each driver profile. MoneyGeek then outlined insurance companies that suit their needs. For example, to find the best insurer for senior drivers, MoneyGeek used a sample profile of a 70-year-old male with a clean driving record.
Based on MoneyGeek’s methodology, auto insurance premiums reflect costs for a full coverage policy with the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
MoneyGeek’s car insurance methodology delves into how and where we gather information for our comparisons and ratings.
About Mark Fitzpatrick
