Cheapest and Best Car Insurance in Glendale, CA (July 2024)

In Glendale, GEICO offers the cheapest minimum coverage while AAA is the lowest for full coverage; families with teens may find Capital Insurance most affordable. Chubb excels in customer service and is also the best overall insurer, providing good value between cost and service excellence. The right fit varies by personal preferences and specific coverage needs.

MoneyGeek found that GEICO is the cheapest option in Glendale for minimum coverage car insurance. As you seek the cheapest car insurance, consider the following insurers and their annual rates:

• GEICO: $743 per year
• Progressive: $747 per year

While GEICO offers the most affordable policy, Hartford has the most expensive minimum coverage at $1,322 annually.

In every Californian city, including Glendale, state law mandates minimum car insurance coverage requirements. Here's what you need to know:

• $15,000 bodily injury per person
  
• $30,000 bodily injury per accident
  
• $5,000 property damage liability per accident
  

Take an example: If you're covered by the minimum policy and are liable for an injury to a person, your insurer will pay out up to $15,000. In an accident with multiple injuries, the policy would shell out up to $30,000 in total. If the costs exceed these limits, you're responsible for paying the difference. It's straightforward: insurance cushions the financial blow, but only up to a point.

AAA is the cheapest option in Glendale for cheapest full coverage car insurance. When it comes to the most affordable car insurance providers in the city, residents can consider:

• AAA: $1,827 per year
• Progressive: $1,840 per year

Farmers has the most expensive full coverage policy in Glendale, costing $3,355 annually. This significant difference of $1,528 illustrates why it’s crucial to compare policies, as full coverage insurance tends to be pricier due to its comprehensive nature.

In a Glendale full coverage plan, policyholders enjoy enhanced liability protection that extends to $100,000 for bodily injury per individual, $300,000 for total bodily injury per accident, and $100,000 for property damage per accident, commonly notated as a 100/300/100 policy.

Along with boosted liability caps, full coverage insurance incorporates both comprehensive and collision insurances.

• Collision Insurance: This is designed to cover damages your vehicle incurs from an impact with another object like a tree or light pole or a different vehicle. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This compensates for damages to your automobile resulting from non-collision incidents, such as theft or weather-related damage, natural disasters and being struck by an animal like a deer.

It's prudent for owners of new vehicles to opt for a full coverage policy. However, if your vehicle is older, you might reconsider the necessity of the added insurance. When selecting the appropriate amount of car insurance you need to balance affordable premiums with enough coverage.

MoneyGeek found that National General is the cheapest company for drivers with a poor driving record in Glendale for various driving incidents. The most affordable annual premiums for different offenses are:

• Speeding Ticket: National General ($2,095 per year)
• At-fault accident: Capital Insurance ($2,179 per year)
• DUI: National General ($2,095 per year)

While National General offers the lowest rates for speeding tickets and DUI, Capital Insurance provides the most competitive rates for drivers with an accident.

Insurance premiums in Glendale and other cities often increase depending on the severity of a driving offense. For instance, drivers with a DUI pay an average annual rate of $5,926, which is significantly higher compared to $3,503 for those with a speeding ticket.

MoneyGeek found that Capital Insurance Group offers the cheapest car insurance for teens in Glendale, providing an affordable solution for families looking to manage costs.

• Capital Insurance Group: $4,399 per year for female teens and $4,399 per year for male teens
• State Farm: $4,522 per year for female teens and $4,522 per year for male teens

These premiums represent the combined cover for two parents and a teenager. Nationwide holds the record for the highest teen family policy in Glendale, with rates reaching $9,563 annually. With a stark difference of $5,164 between the most affordable and most expensive options for female teens, these figures highlight the significance of comparing quotes.

In Glendale and surrounding areas, teens seeking car insurance independently face significantly higher premiums than those included in a family plan. On average, an individual premium for a teenager is roughly $7,386, in stark contrast to the average family plan premium of $6,111.

The discrepancy in rates can be attributed to the inherent risks insurers associate with inexperienced teen drivers who are statistically more prone to accidents. It's also more challenging for teens to secure an individual policy, as insurance providers are often hesitant to underwrite policies for high-risk individuals.

MoneyGeek found that USAA is the cheapest option in Glendale for those with a military background seeking comprehensive car insurance coverage.

• USAA: $1,685 per year
• AAA: $1,827 per year

USAA not only offers the most affordable full coverage annual premium for military families but also provides customer service that specifically caters to the unique needs of active-duty military members.

To find the best car insurance rates in Glendale use MoneyGeek's car insurance calculator. By inputting key details such as age, driving record, credit score and desired coverage level, this calculator swiftly generates accurate rate estimates.

Choosing the right auto insurance depends on your prioritization of factors such as service quality, cost, coverage, and other considerations. MoneyGeek's unique scoring system evaluates each category to identify the best car insurance providers in Glendale for different preferences:

• Best overall: Chubb (MoneyGeek score 91 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Chubb (MoneyGeek score 88 out of 100)

Since Chubb has emerged as the top insurer across all three categories, it stands as the best in Glendale for delivering exceptional value, service and affordability.

MoneyGeek found that Chubb offers the best option for car insurance in Glendale, with policies that lead the market in quality and customer satisfaction. When seeking the best car insurance policies, these providers top the list:

• Chubb: MoneyGeek score of 91 out of 100 ($2,248 per year)
• Capital Insurance Group: MoneyGeek score of 88 out of 100 ($1,852 per year)

Chubb stands out in the Glendale market, not just for its high MoneyGeek score but also for its impressive balance between premium services and affordability.

MoneyGeek found that Chubb is the best option in Glendale for car insurance based on customer service. This determination emphasizes general satisfaction, claims handling and coverages, without focusing on the cost of insurance.

• Chubb: MoneyGeek score of 94 out of 100 ($2,248 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,852 per year)

Chubb leads due to its exceptional claims handling and coverage options

MoneyGeek found that Chubb offers the best option in Glendale for cheap car insurance. While affordability is a significant measure within the MoneyGeek score, Chubb's blend of reasonable rates, superior claims handling and customer satisfaction set it apart. Below are the details for the top two providers:

• Chubb: MoneyGeek score of 88 out of 100 ($940 per year)
• Capital Insurance Group: MoneyGeek score of 86 out of 100 ($793 per year)

Chubb stands out not just for its competitive annual premium but also for excellence in customer service and the claims process,

Average Cost of Car Insurance in Glendale is $2,433, which is more than the California state average. Car insurance premiums are influenced by a myriad of factors, with location being one of the key determinants

Rates can be lower in non-urban areas where traffic density is lower. Analyzing the data from MoneyGeek, Santa Maria has the cheapest city premium in California at $1,251. Glendale stands out as the most expensive city with premiums reaching $2,433.