Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
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UPDATED: Jul 18, 2020

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A brief overview...

  • On Average, Glendale, AZ auto insurance costs $380.85 a month 
  • Annual monsoons and high rates of car theft are the leading causes of Arizona’s higher auto insurance rates.
  • Comparison shopping and taking advantage of discounts can help you secure cheaper car insurance in Glendale, AZ

Finding affordable car insurance can seem confusing. There are so many sites to sift through and prices to check. We understand. If you’re in the market for cheap auto insurance in Glendale, AZ, you are in the right place. You’ll be able to find affordable auto insurance in Arizona after following our comprehensive guide.    Find cheap car insurance in Glendale, AZ, by entering your ZIP code into our FREE tool above.

Auto Insurance Rates in Glendale, AZ

The average auto insurance cost in Glendale is $380.85 monthly or $4,570.20 annually. To secure the best auto insurance rates in Glendale, we have to think like an insurance company. Insurance companies determine your auto insurance by age and gender.

But that’s not all. They also determine your auto insurance by ZIP code, commute length, credit history, and even driving record.  And of course, Arizona auto insurance laws play a role.

Does gender and age affect my auto insurance in Glendale?

Honestly, yes, you will see a change in average auto insurance rates by gender and age monthly. Age impacts your average auto insurance rates because younger drivers have little driving experience, making them more likely to get into an accident and riskier to insure. Teenagers in Glendale are therefore paying much more for coverage than older drivers. See what we mean in the table below.

Glendale, AZ Average Annual Auto Insurance Rates by Age
AgeAverage Auto Insurance Rate
60-years old$2,625.63
35-years old$2,831.88
25-years old$3,222.35
17-years old$9,576.12
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Teenagers aren’t the only ones in Glendale paying more for auto insurance. If you’re 25, your average rates are $32.54 per month more than older drivers in your city. According to DataUSA, the average age in Glendale is 34. Fortunately, when you hit 35, you’ll see a nice decrease in your overall rates.  The following graph shows the difference teenagers pay for monthly auto insurance rates compared to 34-year-olds. 

Comparison of Auto Insurance Rates by Age Legend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Safe Auto 50 100 150 200 250 300 350 400 450 500 550 600 $40 $602 $31 $173 $62 $216 $72 $322 $56

Youthful motorists wondering how to lower premiums can take safe driver courses and should look into good student discounts. Gender impacts what you pay for auto insurance, as well. See how much more men pay than women in Glendale annually in the table below.

Glendale, AZ Average Annual Auto Insurance Rates by Gender
GenderAverage Auto Insurance Rate
Female$4,309.47
Male$4,563.99
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To break that down into monthly rates, men pay an average of $21.21 more than women for auto insurance. Why? Statistically, men are in more automobile accidents than women. To insurance companies, that makes men higher-risk drivers.  High-risk drivers always pay more for auto insurance.

Proving you’re a low-risk driver will help you secure cheap auto insurance in Glendale, AZ.

Let’s combine the two demographics and explore how that impacts auto insurance rates. Find where you fit in based on your age and gender in the table below.

Glendale, AZ Average Annual Auto Insurance Rates by Age and Gender
DemographicAverage Auto Insurance Rate
Married 60-year-old female$2,577.50
Married 60-year-old male$2,673.76
Married 35-year-old female$2,827.05
Married 35-year-old male$2,836.71
Single 25-year-old female$3,081.09
Single 25-year-old male$3,363.60
Single 17-year-old female$8,752.24
Single 17-year-old male$10,400.00
Average$4,563.99
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Who pays the least for auto insurance rates by gender and age? Women aged 60 receive the lowest rates. In fact, they get the best auto insurance rates in Arizona. Men of the same age are close behind.

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What ZIP codes have the cheapest auto insurance rates in Glendale?

Your insurance company will base your rates for auto insurance by ZIP codes. Reviews of crime statistics determine which neighborhoods end up paying more.  The lowest insurance ZIP codes usually have lower rates of crime. The highest auto insurance rates by ZIP codes will be in areas with more crime.  Are you paying more for auto insurance by ZIP code? Find your neighborhood in the table below.

Glendale, AZ Average Annual Auto Insurance Rates by ZIP Code
ZIP CodeAverage Auto Insurance Rate
85310$4,196.86
85309$4,274.07
85308$4,327.13
85345$4,381.84
85307$4,409.07
85305$4,520.10
85306$4,643.66
85302$4,792.40
85304$4,801.00
85303$4,959.81
85301$4,966.25
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As you can see, your ZIP code heavily impacts your auto insurance rates in Glendale. If you live in 85310, not only are your rates the lowest, but you save just over $60 a month compared to those living in 85301.  The following graph compares the monthly average rates Glendale residents pay compared to other cities in Arizona.

Arizona Auto Insurance Rates by City Legend: Chandler Phoenix Tucson Mesa Glendale Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 $31 $36 $30 $28 $40 $36 $47 $38 $39 $31 $41 $71 $39 $52 $62 $46 $56 $43 $48 $72 $48 $63 $59 $48 $56

To insurance companies, where you park your car each night has a major impact on your overall rates. Generally, auto insurance is cheaper in rural areas because there are fewer cars on the road and often lower rates of crimes.

Which companies have the best auto insurance rates in Glendale?

You want to avoid paying the highest auto insurance rates by Glendale standards. That means avoiding using auto insurance companies that are less active in your area, as their auto insurance quotes will always be higher.   Keep reading to learn our tricks and tips for securing lower auto insurance rates.

Cheapest Auto Insurance Rates by Company

The following table compares annual average rates major companies charge for policies in Glendale. Notice how some companies offer high rates no matter what demographic you fit into. 

Glendale, AZ Average Annual Auto Insurance Rates by Company
DemographicsGeicoUSAATravelersProgressiveNationwideAmerican FamilyState FarmAllstateFarmers
Married 60-year-old female$1,580.23$1,515.59$2,152.85$2,100.76$2,533.81$2,975.78$3,124.11$4,227.77$2,986.59
Married 60-year-old male$2,033.11$1,535.41$2,290.77$1,996.04$2,685.56$2,975.78$3,124.11$4,227.77$3,195.33
Married 35-year-old female$1,851.24$1,623.88$2,316.85$2,344.21$2,839.21$3,240.44$3,523.62$4,340.74$3,363.25
Married 35-year-old male$2,066.67$1,629.25$2,439.93$2,038.27$2,888.49$3,240.44$3,523.62$4,340.74$3,363.00
Single 25-year-old female$1,681.96$2,136.81$2,454.35$2,506.69$3,287.61$3,240.44$3,791.90$4,847.57$3,782.52
Single 25-year-old male$1,639.68$2,293.93$2,581.44$2,470.26$3,557.83$3,789.87$4,790.57$5,264.81$3,884.01
Single 17-year-old female$5,342.48$6,048.41$6,846.67$9,622.38$7,120.98$8,574.85$11,079.44$9,387.98$14,746.99
Single 17-year-old male$5,599.38$6,943.77$8,647.96$10,715.30$9,133.78$11,216.53$13,932.29$12,120.62$15,290.33
Average$2,724.34$2,965.88$3,716.35$4,224.24$4,255.91$4,906.77$5,861.21$6,094.75$6,326.50
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Who has the most affordable auto insurance? Geico’s rates are great for younger drivers under the age of 35. If you’re older than 35 and are an active or retired military person, then USAA is your best bet. 

USAA is only available to active or retired military personnel and ther families.

If you’re not a teenager, Travelers and Progressive should be added to your list for comparison shopping. Both companies provide competitive rates in the Glendale area. The following graph explores monthly rates by various companies in Glendale. Check it out.

Glendale, AZ Average Monthly Auto Insurance Rates Legend: Basic Coverage Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 $40 $31 $62 $72 $56

Auto insurance companies contemplate various variables when assessing insurance quotes, including commute length, credit history, and even your driving record. Companies weigh each demographic differently, which is why comparison shopping is vital.

Best Auto Insurance for Commute Rates

Some companies will charge you more for auto insurance if you have a longer than average commute length. 

For most motorists in America, their commute to work is 25 minutes. In Glendale, the average commute length is only one minute longer than the national average. 

Nearly three-quarters of all Glendale residents choose to drive their own car to work, and another 13 percent carpool. Taxis used to be a popular commuter method, as well, until they fell from popularity after 2015.  Even with fewer taxis, there are still thousands of drivers on the roads trying to make it to work on time. All of those drivers during rush hour can increase your chance of an accident, which also increases insurance rates. See how your commute impacts your annual auto insurance quotes in the table below.

Glendale, AZ Average Annual Auto Insurance Rates by Commute
CompaniesRates for
10 Miles Commute
6,000 Annual Mileage
Rates for
25 Miles Commute
12,000 Annual Mileage
Average Annual Rates
Geico$2,677.82$2,770.87$2,724.35
USAA$2,933.72$2,998.04$2,965.88
Travelers$3,716.35$3,716.35$3,716.35
Progressive$4,224.24$4,224.24$4,224.24
Nationwide$4,255.91$4,255.91$4,255.91
American Family$4,859.88$4,953.65$4,906.77
State Farm$5,709.84$6,012.57$5,861.21
Allstate$6,094.75$6,094.75$6,094.75
Farmers$6,326.50$6,326.50$6,326.50
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Cheap rate front-runners Geico and USAA both charge more for a longer commute. On the other hand, Travelers and Progressive do not. Look into those companies if you have an extra-long drive to work.

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Best Auto Insurance for Coverage Level Rates

Higher coverage auto insurance will always cost more. If you are leasing or financing a newer vehicle, you may want to consider more comprehensive coverage to protect your assets in case of an accident.  Even more likely to cause damage to your vehicle in Glendale is Monsoon season, as residents know all too well.

The intense storms are one of the main reasons auto insurance in the region is so high.

One monsoon symptom, dust storms, impact driving in Arizona every summer and happen very quickly. Experts recommend pulling over immediately, turning off your lights, and taking your foot off the brake to avoid confusing fellow drivers. In the following video, 12News provides even more safety tips for Arizona residents and drivers about the 2020 Monsoon season, which started in the middle of June. https://youtu.be/nbDL5UoAmZ8 Dust storms, heavy rain, and intense lighting can certainly increase your risk of getting into an accident. Investing in extra coverage could end up saving you thousands of dollars in automobile repair costs and medical bills. Curious how much extra coverage will cost you? Check out average annual rates in our table below.

Glendale, AZ Average Annual Auto Insurance Rates by Coverage
CompaniesRates with Low CoverageRates with Medium CoverageRates with High CoverageAverage Annual Rates
Geico$2,241.32$2,768.91$3,162.80$2,724.34
USAA$2,733.56$3,006.31$3,157.77$2,965.88
Travelers$3,287.70$3,779.77$4,081.59$3,716.35
Progressive$3,652.25$4,311.04$4,709.44$4,224.24
Nationwide$4,034.21$4,307.39$4,426.13$4,255.91
American Family$4,721.23$5,062.94$4,936.13$4,906.77
State Farm$5,232.24$5,980.37$6,371.01$5,861.21
Farmers$5,277.46$6,398.51$7,303.54$6,326.50
Allstate$5,677.38$6,130.01$6,476.86$6,094.75
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Expect to pay a few hundred dollars more annually for elevating your auto insurance coverage levels in Glendale. However, that’s far less than what it costs to fix a brand new car that gets destroyed in a flash flood.  Take a look at the following graph, which compares the monthly rates of basic coverage to a more comprehensive policy. 

Basic vs. Comprehensive Auto Insurance Rates Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 $40 $86 $31 $71 $62 $79 $72 $139 $56 $72

If you have a fancy new car with all the bells and whistles, the extra costs for more coverage could be worth it. If budget-friendly insurance is your goal, stick with the basics. 

Best Auto Insurance for Credit History Rates

Many drivers do not realize their credit history impacts their auto insurance rates or the number of ways it may influence their day-to-day existence. If you live in Glendale and have bad credit, you will have higher annual auto insurance rates. See what we mean in the table below.

Glendale Average Annual Auto Insurance Rates by Credit History
CompaniesRates with Good CreditRates with Fair CreditRates with Poor CreditRates with Average Credit
Geico$1,968.08$2,453.40$3,751.55$2,724.34
USAA$2,267.41$2,725.63$3,904.59$2,965.88
Travelers$2,931.39$3,686.19$4,531.47$3,716.35
Progressive$3,840.88$4,114.16$4,717.68$4,224.24
Nationwide$3,561.47$4,075.16$5,131.10$4,255.91
American Family$3,960.98$4,595.39$6,163.93$4,906.77
State Farm$2,613.81$4,175.54$10,794.27$5,861.21
Allstate$4,950.20$5,549.79$7,784.26$6,094.75
Farmers$5,738.68$6,034.54$7,206.29$6,326.50
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Geico’s rates increase dramatically if you have poor credit, just under $2,000 annually. However, their average is still the most affordable car insurance compared to other companies like Travelers or Progressive.  The following graph compares monthly auto insurance rates based on your credit score.  

Auto Insurance Rates by Credit Score Legend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 90 100 110 $39 $108 $27 $81 $28 $65 $69 $111 $55 $92

There is no getting around it; expect to pay more for auto insurance in Glendale if you have bad credit. 

Best Auto Insurance for Driving Record Rates

Your driving history will certainly have an effect on much you pay for auto insurance in Glendale. Severe driving violations on your record not only increase your rates but could lead to companies refusing to insure you. See how even one simple speeding ticket can impact your annual rates in the table below.

Glendale, AZ Average Annual Auto Insurance Rates by Driving Record
CompaniesRates with Clean RecordRates with 1 AccidentRates with 1 DUIRates with 1 Speeding ViolationAverage Annual Rates
Geico$2,099.93$2,858.51$3,839.00$2,099.93$2,932.48
USAA$2,158.40$3,089.51$4,075.82$2,539.79$3,107.91
Travelers$2,966.45$3,869.70$4,329.67$3,699.59$3,721.94
American Family$3,495.83$5,343.61$6,730.00$4,057.63$5,189.81
Nationwide$3,591.71$3,780.40$5,626.25$4,025.28$4,332.79
Progressive$3,720.38$4,918.10$3,927.86$4,330.62$4,188.78
Allstate$4,871.39$6,185.43$7,007.21$6,314.98$6,021.34
State Farm$5,323.06$6,399.35$5,861.21$5,861.21$5,861.21
Farmers$5,347.67$6,905.58$6,741.44$6,311.33$6,331.56
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Only Geico gives drivers a break a speeding violation. Every other company will automatically increase your rates. The following graph breaks down monthly rates by driving record.

Auto Insurance Rates Based on Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 150 $40 $61 $72 $72 $31 $47 $47 $51 $62 $65 $80 $86 $72 $93 $162 $121 $56 $59 $59 $59

 

Safe driving always pays off, literally and figuratively. Protect yourself and others on the road by being a mindful driver. You may even end up qualifying for safe driver discounts. 

What affects auto insurance rates in Glendale?

We’ve discussed the various factors that affect auto insurance in Glendale, Arizona. However, to fully understand how car insurance premiums are calculated, we have to look at road conditions, crime rates, and traffic congestion in and around Glendale.  Most major companies use auto insurance rating tiers to determine your individual rate, meaning they estimate how risky of a driver you are and charge you accordingly.  Your auto insurance quotes also depend on how safe driving really is on the roads in your city and state. Truly cheap auto insurance, therefore, depends on more than just your individual demographics. Keep reading to find out what we mean. 

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Road Conditions in Glendale

If road conditions in a region are poor, you can be certain insurance rates will be higher.  Take a look at the following table to see how the road conditions are in the Phoenix-Mesa region of Arizona, where Glendale is located. 

Phoenix-Mesa, AZ Road Conditions
Road TypePercentage of
Phoenix-Mesa, AZ Roads
Poor share23%
Mediocre share29%
Fair share20%
Good share27%
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Unfortunately, more than 50 percent of the roads near Glendale are in mediocre or poor condition, which is one major reason auto insurance rates are so high. Potholes and poorly structured bridges or highways lead to more accidents. See just how many fatal accidents there were in Glendale in the graph below. 

Fatal Auto Accidents in Glendale, AZ Legend: Glendale Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 35 40 20 33 5 22 42 9

The poor roads also lead to higher vehicle operating costs. In the Phoenix-Mesa region, vehicle operating costs are over $500 per vehicle.  

Vehicle Theft in Glendale

Insurance companies want to know how safe your city and state is when they insure you. Why are auto insurance rates so high in Arizona?

Besides the unpredictable weather, the state has a high rate of property theft, which includes stolen cars.

Glendale closely reflects the state of Arizona when it comes to crime rates. Check out how many crimes happened in the city in 2017, using data that comes from the FBI

Glendale, AZ Crime Rates
Crime StatisticsCrime Data
Property crime11,293
Aggravated assault627
Arson48
Burglary1,589
Larceny-theft8,541
Motor vehicle theft1,163
Murder and nonnegligent manslaughter12
Population249,273
Rape97
Robbery481
Violent crime1,217
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Pay close attention to the number of vehicle thefts in Glendale, which is relatively high. By comparison, the city of Mesa, which has a population similar to that of Glendale, had under 900 vehicle thefts in 2017.  According to Neighborhood Scout, you have a one in a 215 chance of being a victim of violent crime in Glendale. In the state of Arizona, you have a one in 211 chance.  Another crime to watch out for in Arizona that can impact your auto insurance rates? Windshield replacement fraud. Watch the following investigative video from Cronkite News for more details. https://youtu.be/qz7cHKkrzMk In a state where dessert sandstorms happen annually, windshield replacements are incredibly common. In fact, Arizona has the most windshield replacement claims filed in the country.

Protect yourself from falling victim to windshield replacement fraud by only filing claims through your insurance provider to fix major cracks. 

As mentioned before, you also have a higher chance of being a victim of property crime in Glendale, especially compared to the national average. See what we mean in the table below.

Glendale, AZ Property Crime Rates
Type of CrimeGlendale Rate
(Per 1,000)
National Rate
(Per 1,000)
Burglary6.553.76
Theft29.8815.95
Motor vehicle theft4.22.29
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The vehicle theft rate in Glendale is substantially higher than the national average, which means auto insurance rates are higher as well. 

Traffic Congestion in Arizona

While specific data about Glendale is unavailable, Inrix reports that drivers in nearby Phoenix lost 35 hours to traffic congestion in 2019. Chances are high if you live in Glendale that you’ll eventually drive through Phoenix. Be mindful when driving during peak traffic times.  According to data from TomTom, drivers commuting in Phoenix lose 11 minutes in the morning for every 30-minute trip and 12 minutes in the evening for trips of the same length.

Allstate America’s Best Drivers Report

In 2019, Glendale drivers were named as the 89th-safest in the country by Allstate’s America’s Best Drivers Report. The report compares the 2 00largest American cities.  Glendale moved up by eight places between 2018 and 2019, which is great news for local drivers. In Glendale, folks usually go just over nine years between claims. Drivers experience 29 hard-braking events for every 1,000 miles driven. 

How is traffic in Glendale?

Fortunately, there are not too many severe traffic problems in Glendale. Most of the causes of traffic jams are related to commuters and rush hour traffic.  Many commuters from Glendale do drive to Phoenix for work, which means you’ll likely feel the effects of traffic congestion from that city.

Other causes of traffic congestion include road work and, of course, monsoon season. 

For folks wondering how to reduce traffic congestion, consider bicycling to work or carpooling if it is a viable option for you. 

Auto Insurance Rates and Your Vehicle

Your insurance policy rates largely depend on how much it costs to repair or replace your automobile. The following graph compares the average annual rates for a luxury vehicle versus a basic sedan.

Auto Insurance Rates by Vehicle Make and Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 $40 $95 $31 $88 $62 $89 $72 $149 $56 $124

Naturally, a costly luxury vehicle will require more coverage to be able to adequately repair or replace it in case of any sort of accident. If your goal is to secure the lowest auto insurance rates in Arizona, a luxury vehicle may not be the right choice for you. Ready to get the best auto insurance rates in Glendale, AZ? Enter your ZIP code into our FREE tool below.

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Frequently Asked Questions: Cheap Car Insurance in Glendale, AZ

You’re now an expert on who has the best auto insurance rates in Arizona in the Glendale region. Refer back to this guide while you search for the best auto insurance near me. Check out our frequently asked questions below. 

#1 – Who has the cheapest auto insurance in Arizona?

The cheapest insurance provider in Arizona is Geico, followed by USAA. Both companies offer the lowest auto insurance rates in Arizona.

#2 – What is the average cost of insurance in Arizona?

How much does auto insurance cost in Arizona? The average auto insurance rates in Arizona are $317.50 a month or $3,810.03 a year.  

#3 – Why is auto insurance so expensive in Arizona?

The national average for auto insurance is $84.11 a month. Arizona auto insurance rates, by comparison, are higher mostly because of the state’s yearly monsoon season and higher rates of car thefts than the national average.

#4 – What are the auto insurance requirements in Arizona?

Arizona requires $15,000 per person and $30,000 per accident for bodily injury liability coverage, and 10,000 for property damage liability coverage.

#5 – How can I get cheap auto insurance in Glendale, AZ, with no license?

You cannot get cheap auto insurance, or any auto insurance for that matter, without a license.