Your driver profile in Glendale may impact which insurer is the cheapest.
Travelers is the cheapest for full coverage, minimum coverage, seniors, sports cars and teens. Auto-Owners Insurance Co is the cheapest for drivers with speeding tickets. Root Insurance Company has the lowest rates for young drivers, bad credit, DUIs and accidents. USAA is the most affordable for military families.
MoneyGeek reviewed the best car insurance in Glendale for drivers who want affordability and service.
Cheapest Car Insurance in Glendale, AZ
Cheapest Minimum Coverage Car Insurance in Glendale
The most affordable car insurance companies for a minimum coverage policy in Glendale, Arizona, are:
- Travelers: $355 per year
- Mercury: $368 per year
The most expensive option is The General, costing $1,706 annually.
As of October 2022, Mercury is the cheapest car insurance company in Arizona, with an annual average premium of $333, demonstrating how your location can impact premiums.
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To qualify for minimum coverage in Arizona, car insurance policies must comply with the state's mandatory liability limits for bodily injury liability and property damage liability.
The amounts are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Having liability coverage in an insurance policy is critical to obtaining financial protection if you cause damage or injury to others. If you have bodily injury liability coverage of $50,000 per person and $100,000 per accident, your insurance company will only cover up to $50,000 in damages for each person and $100,000 in damages for each accident. Anything beyond that amount will need to be paid out of pocket.
Cheapest Full Coverage Car Insurance in Glendale
The cheapest car insurance companies for a full coverage policy in Glendale, Arizona, are:
- Travelers: $783 per year
- Root Insurance Company: $811 per year
The most expensive option is The General at roughly $3,045 annually. Root Insurance Company is the cheapest auto insurance provider for a full coverage policy in Arizona. Its annual premium costs $715.
Living in a particular location can influence your car insurance rates because the associated risks in the area, including accident frequency, traffic congestion and crime rates, can vary.
MoneyGeek recommends that drivers select a complete car insurance policy encompassing comprehensive and collision insurance.
- Comprehensive coverage: Protects from damages caused by theft, natural disasters, vandalism and fire.
- Collision coverage: Protects from damages caused by an accident with another car or object.
For older vehicles with low value, a full coverage policy might not be worth the extra cost, as you could end up paying hundreds of dollars more per year for limited financial benefit.
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Cheaper insurers could pocket you hundreds of dollars per year.
Cheapest Car Insurance in Glendale After a Driving Offense
The cheapest car insurance company after driving violations in Glendale are:
- Speeding ticket: Auto-Owners Insurance Co ($812 per year)
- At-fault accident: Root Insurance Company ($1,109 per year)
- DUI: Root Insurance Company ($896 per year)
The General offers $4,446 per year for drivers with DUI, $4,833 annually for at-fault accidents and $4,092 per year for speeding tickets, making it the most expensive option in the city.
An unfavorable driving record can significantly affect insurance rates. Rates from even the most affordable car insurance companies for drivers with poor records can be higher than those for safe drivers.
Drivers who receive citations for speeding, DUI or causing accidents may experience higher car insurance rates, with more severe violations like DUI or at-fault accidents causing even greater increases. In Glendale, a DUI can increase your premiums by $799, and a speeding ticket can cost you $376 more.
Although insurance rates can vary depending on location and driving history, it's essential for drivers with less-than-perfect records to find reasonably priced coverage that still offers sufficient protection.
Cheapest Car Insurance in Glendale for Teens and Their Families
The most affordable car insurance providers for teens on a family policy in Glendale, Arizona, are:
- Travelers: $1,869 per year for female teens, $2,231 per year for male teens
- Nationwide: $2,534 per year for female teens
- GEICO: $2,831 per year for male teens
Allstate ranks as the most expensive insurer when it comes to covering teens, costing $4,279 for female teens and $5,933 for male teens.
Insurance companies often view young male drivers as riskier to insure, leading to higher car insurance premiums. This is evidenced by the $362 price difference with Travelers. This price difference typically goes away in adulthood.
When insuring a teenage driver, it's often more cost-effective to include them in your existing family car insurance policy rather than purchasing a separate policy for them.
By choosing a family policy for a male teen, you could save up to $2,894 annually in Glendale. It's important to carefully consider all available options and factors that affect insurance premiums when searching for affordable car insurance for your teen driver.
Cheapest Car Insurance in Glendale for Military Drivers
The cheapest car insurance for military members and their families in Glendale are:
- USAA: $715 per year
- Travelers: $783 per year
USAA and Travelers rank as the most affordable insurance providers for minimum coverage as well, with annual premiums costing $234 and $355, respectively.
How to Compare Cheap Glendale Car Insurance Quotes Online
In Glendale, Arizona, comparing car insurance quotes online can take time and require providing personal details.
MoneyGeek's car insurance calculator delivers a fast ballpark estimate using basic information like age, vehicle type, coverage level and driving record. This convenient tool helps drivers save time and gain insight into their expected car insurance premiums.
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Cheapest Car Insurance in Glendale for Young Adults
The cheapest car insurance with a full coverage policy for young drivers in Glendale are:
- Root Insurance Company: $808 per year
- Travelers: $927 per year
The least inexpensive auto insurance with a full coverage policy for young drivers in Glendale is The General at around $4,956.
Car insurance for young adults is typically pricier than for adults aged 40 because insurers view younger drivers as higher risk because of their inexperience and impulsiveness. There’s a $357 difference between car insurance for adults aged 40 and 25 in Glendale.
Cheapest Car Insurance in Glendale for Seniors
In Glendale, the cheapest car insurance companies for seniors with a full coverage policy are:
- Travelers: $766 per year
- Auto-Owners Insurance Co: $779 per year
The General is the most expensive insurer for seniors in the city, costing $3,557 annually. In Glendale, seniors may face higher car insurance rates than 40-year-olds since rates often rise after 65 due to age-related declines in physical and cognitive abilities, increasing accident risk and resulting in higher premiums.
But in this city, insurance for seniors costs around $45 less than for those around age 40.
Cheapest Car Insurance in Glendale for Poor Credit
The cheapest car insurance companies for drivers with poor credit and a full coverage policy in Glendale are:
- Root Insurance Company: $1,037 per year
- Travelers: $1,078 per year
In Glendale, the least inexpensive provider is CSAA, with an annual premium of $12,202. It costs around $1,662 more for people with poor credit vs. those with good credit to purchase a policy, which is a roughly 128% increase in pricing.
Insurers have discovered that individuals with lower credit scores tend to submit claims more frequently, resulting in higher insurance rates.
To counteract these costs, those with poor credit can take several measures, such as seeking common discounts, bundling policies and comparing quotes from different insurers. Additionally, working on improving their credit score over time can lead to lower insurance costs.
Cheapest Car Insurance in Glendale for Sports Cars
The most affordable car insurance companies for drivers with sports cars and a full coverage policy in Glendale are:
- Travelers: $788 per year
- Auto-Owners Insurance Co: $810 per year
In contrast, The General is the least expensive auto insurance with an annual premium of $4,078. It’s around 16% or $203 pricier to protect a sports car than a standard Toyota Camry.
Remember that sports car rates may not cost more in other cities.
MoneyGeek utilized a Ford Mustang as a representative sports car for comparison purposes, but policy pricing may vary by model. It's important to note that luxury, electric and sports cars generally have higher insurance costs compared to other vehicle types.
Average Cost of Car Insurance in Glendale
In Glendale, the average cost of full coverage car insurance is $1,300 per year. This includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
The average car insurance cost in the city is $107 higher than the average full coverage cost in Arizona. The national average car insurance cost is $1,265 per year. Car insurance companies consider several factors when calculating insurance premiums, including location.
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