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 the Cheapest Car Insurance Quotes in Glendale, AZ
The Cheapest and Best Car Insurance in Glendale
The Cheapest Car Insurance Companies in Glendale
In Glendale, the insurers with the lowest average rates for a full coverage policy are:
- USAA: $723 per year (only available for current and former military)
- GEICO: $847 per year
USAA has the most affordable rate with an average annual premium of $723. However, getting a policy from USAA is only possible for former or active-duty members of the military and their families.
If you are not in the military, the most affordable car insurance company in Glendale is GEICO. They offer a policy for an average of $847 per year, which is about $565 cheaper than the city average. Following GEICO, the most affordable insurers in Glendale are Progressive, Nationwide and Hartford. Meanwhile, the most expensive policy is from MetLife at $2,255 per year on average, which is almost three times more expensive than GEICO.
For this study, MoneyGeek gathered average insurance rates in Glendale using a sample driver profile: a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision coverage.
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Average Cost of Car Insurance in Glendale
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.
The Best Car Insurance Companies in Glendale
MoneyGeek ranked the best car insurance companies in Glendale to help customers looking for a balance between affordability and quality service. Based on MoneyGeek’s research, the top companies for most drivers are:
- GEICO: MoneyGeek score 90 out of 100
- State Farm: MoneyGeek score 85 out of 100
USAA received the highest score in Glendale by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate these final scores, MoneyGeek analyzed several factors, including J.D. Power ratings for user satisfaction, affordability and financial stability.
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 companies can help you find the most accurate policy.
Shopping around for car insurance in Glendale could save you $565, which is enough to buy:
Cheapest Car Insurance in Glendale by Coverage Amount
In Glendale and elsewhere, the amount of coverage you buy is one of the most important factors affecting your car insurance price. For example, a state minimum liability policy costs an average of $713 per year, while a full coverage policy with higher liability limits costs $1,412 on average. That is a difference of $699.
Arizona Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
Auto insurance providers calculate car insurance quotes in Glendale based on the limitations of the policy and the coverage level. For instance, the cheapest policy covering only the state minimum liability is from GEICO for an average of $399. Choosing this plan allows you to claim up to $25,000 for bodily injury of an individual, $50,000 of injuries per vehicle and $15,000 for property damage liability.
Car insurance companies in Glendale also offer 50/100/50 liability-only and full-coverage policies. The carrier that has the smallest difference in costs between these two levels is GEICO. You can get a 50/100/50 liability-only policy for an average of $564 per year while adding an average $151 allows you to upgrade to full coverage.
For a more comprehensive plan, purchase 100/300/100 full coverage. The most affordable policy at this level is from GEICO with an average of $847.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Glendale if You Have Driving Violations
Steering clear of accidents and moving violations also helps you get cheap car insurance in Glendale. Speeding tickets, DUIs and at-fault accidents increase your rates. For example, a GEICO policyholder with a clean record pays an average of $847. If you have a speeding ticket, your average rate may be $1,008. An at-fault accident will result in an average $386 increase, making your average annual premium $1,231. Meanwhile, a driver with a DUI will pay the most expensive average premium at $1,728.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average 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
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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Glendale are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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