bestauto insuranceGlendale2022Compare the Cheapest Car Insurance Quotes in Glendale, AZ
Car insurance in Glendale costs an average of $1,412 per year, which is more expensive than the state average. The cheapest widely available insurer for the average driver is GEICO, but MoneyGeek also evaluated the cheapest options across different coverage amounts and driver profiles. For those looking for a cost-quality balance, MoneyGeek also ranked the best companies in Glendale.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 9/22/2022
Written By |
Mark Fitzpatrick
Auto insurance rates in Glendale vary based on each driver's profile and level of coverage. GEICO is the cheapest provider in the city for liability-only policies and full coverage, on average. Drivers with a speeding ticket on their record can also look to GEICO for the lowest average premiums in Glendale.
Based on MoneyGeek’s ranking, GEICO is also the best insurer in the city overall, balancing affordability and quality of service. USAA also provides the cheapest coverage in Glendale, but only military members and their families qualify for its coverage.
bestauto insuranceGlendale2022The Cheapest and Best Car Insurance in Glendale
The Cheapest Car Insurance Companies in Glendale
The companies offering the cheapest full-coverage car insurance in Glendale, on average, are:
- GEICO: $847 per year
- Progressive: $1,106 per year
Members of the military and their families can purchase USAA policies. This company offers the cheapest full-coverage insurance in the city, at an average of $723 per year.
GEICO provides the most affordable coverage, approximately 30% less expensive than comparable plans from Metlife. On average, Metlife's full-coverage policies cost $2,255 per year.
A full-coverage policy includes comprehensive and collision insurance. Your actual costs will vary based on the amount of liability insurance you purchase, among other factors.
Cheapest Car Insurance in Glendale
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$723
- 2.$847
- 3.$1,106
- 4.$1,198
- 5.$1,257
MoneyGeek determined the best car insurance providers in Glendale using a sample 40-year-old male driver seeking full coverage. We explore insurance limits on our methodology page.
Full-coverage insurance provides the following additional coverage and costs more than state minimum car insurance policies:
- Collision Insurance: This coverage protects drivers to pay for costs of damage resulting from collisions with static objects or other cars.
- Comprehensive Insurance: This insurance covers the cost of injury or damage caused by incidents like vandalism and theft.
The cost of a full coverage policy may be higher than the value of your car if it is old. Drivers of older vehicles can benefit by purchasing liability-only car insurance if they believe that the premiums may be too high for their cars.
Compare Car Insurance Rates in Glendale
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Glendale for Minimum Coverage
The most affordable car insurance policies in Glendale deliver liability-only coverage that meets state minimum limits. According to MoneyGeek, the most affordable minimum coverage car insurance in the city, on average, comes from:
- GEICO: $399 per year
- Progressive: $535 per year
The most expensive insurer in the city is Metlife, whose policies cost an average of $1,119 per year. That’s $720 more than GEICO’s coverage, which is the cheapest in the city.
State minimum car insurance has lower rates than full coverage but does not provide comprehensive and collision car insurance. Use the following table to compare costs and determine the right coverage level for your needs.
Cheapest Minimum Liability Car Insurance in Glendale
State Minimum
- CompanyState Minimumper year
- 1.$349
- 2.$399
- 3.$535
- 4.CSAA$598
- 5.$610
In Glendale and other cities in Arizona, state minimum car insurance must have at least $25,000 per person as bodily injury coverage, a maximum of $50,000 per accident and $10,000 for property damage per accident.
If you want a policy with higher limits, you will need to pay more for it. Otherwise, you may be required to pay for damage-related costs yourself. For example, if you become involved in an accident and the property damage cost is $15,000, your insurer will pay $10,000, leaving you to cover the remaining $5,000 out of pocket.
Arizona Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Glendale if You Have Driving Violations
If you have a violation like an at-fault accident or speeding ticket on your record, you will likely end up paying more for car insurance. From MoneyGeek’s research, the cheapest car insurance carriers in Glendale, on average, for drivers with the following violations are:
- Cheapest After a Ticket: GEICO, $1,008 per year
- Cheapest After an At-Fault Accident: GEICO, $1,233 per year
- Cheapest After a DUI: Progressive, $1,306 per year
While having a bad driving record negatively affects your premiums, you can still secure cheaper coverage by shopping around to compare quotes. If your driving record improves over time, your car insurance rates will decrease.
Cheapest Car Insurance in Glendale With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$918
- 2.$1,008
- 3.$1,364
- 4.$1,371
- 5.$1,418
Average Cost of Car Insurance in Glendale
Glendale$1,412
Arizona$1,284
U.S.$1,424
Auto insurance in Glendale costs an average of $1,412 per year. This rate is higher than the typical premium across the state, but it is slightly lower than the average rate in the United States. In comparison, Glendale drivers pay about 10% more expensive premiums than the state average. At the same time, average car insurance rates in Glendale are about 0.8% cheaper than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Glendale
Insurance providers consider different variables to assess car insurance quotes in Glendale. They calculate your annual premiums based on gender, driving history, credit score, car make and model, age and marital status, among others. So, the cost of your car insurance in Glendale will be adjusted if any of your circumstances change. Regularly comparing personalized quotes from several auto insurance companies can help you find the most accurate policy.
Compare Car Insurance Rates in Glendale
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Glendale
MoneyGeek based its picks for the best car insurance companies in Glendale on a comprehensive analysis of average rates, user claims and user satisfaction scores for each insurer. Based on these parameters, the top car insurance companies in Glendale are:
- GEICO: MoneyGeek score of 92.4 out of 100
- State Farm: MoneyGeek score of 78.8 out of 100
Since USAA primarily offers car insurance policies to military personnel and their family members, we did not include the firm in this review. However, with a perfect MoneyGeek score of 100, USAA is the best car insurance provider in Glendale for service members and their families.
1
GEICO
Score:92
GEICO received a perfect MoneyGeek score for financial stability and excellent scores for claims and overall user satisfaction. The insurance firm offers a unique add-on coverage called mechanical breakdown insurance. A GEICO full coverage policy for a 40-year-old Glendale driver costs $847 annually.
More About GEICO
GEICO offers four coverage options for drivers in Glendale. For instance, mechanical breakdown insurance from GEICO covers the cost of car components and other systems at a lower price than a dealer-issued extended warranty. GEICO also offers rental car reimbursement and roadside assistance coverage. Rental car reimbursement pays for a rental car after a covered accident when your car is inoperable for more than 24 hours. Roadside assistance covers the cost of towing, tire repair/replacement and automotive locksmith services.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:79
Achieving a perfect user satisfaction rating and ranking high in user claim and financial stability ratings, State Farm is the second-best car insurance firm in Glendale. State Farm offers full coverage car insurance for an average of $1,297 per year. Moreover, policyholders with State Farm can add rideshare insurance to their standard car insurance plan.
More About State Farm
State Farm offers roadside assistance coverage, rental car reimbursement and rideshare coverage. Rideshare is State Farm’s most unique coverage, which makes it stand out from the competition. This coverage ensures your car insurance plan remains valid while you work for a ridesharing service.
Read MoneyGeek's State Farm auto Insurance ReviewAverage Cost of Car Insurance by Postal Code
Your address also has a major impact on the cost of your car insurance because the carrier will evaluate accident rates, car-theft incidents and the number of uninsured drivers in the area. The region with the most affordable car insurance in Glendale is ZIP code 85308. Drivers in this area pay $1,293 on average, which is about $188 less than the premium for people living in 85301.
- Zip CodeState Minimumper year
- 85308$1,293
- 85302$1,463
- 85301$1,481
Factors That Impact Insurance Costs in Glendale
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Glendale. How Glendale ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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