Best Glendale, AZ Auto Insurance in 2024 (Check Out the Top 10 Companies)

For the best Glendale, AZ auto insurance, State Farm, Geico, and Progressive are the top choices, offering monthly rates starting at $65. These top auto insurance providers in Glendale, Arizona, excel due to their competitive pricing, excellent coverage options, and strong customer service.

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Tonya Sisler

Insurance Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage.  Tonya currently leads a team of 10 insurance copywri...

Insurance Content Team Lead

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...

Licensed Insurance Agent

UPDATED: Oct 14, 2024

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Top Glendale AZ Pick: State Farm
4.1

Company Facts

Full Coverage in Glendale AZ

$220/mo

A.M. Best Rating

B

Complaint Level

High
Best Glendale AZ Rates: Geico
4.1

Company Facts

Full Coverage in Glendale AZ

$185/mo

A.M. Best Rating

A++

Complaint Level

High
Best Glendale AZ Plans: Progressive
4.1

Company Facts

Full Coverage in Glendale AZ

$205/mo

A.M. Best Rating

A+

Complaint Level

Low

The best Glendale, AZ auto insurance providers are State Farm, Geico, and Progressive, offering a range of affordable options. State Farm stands out as the top pick, with rates starting at $65 per month, providing comprehensive coverage and excellent customer service.

Best Glendale, AZ auto insurance: State Farm, Geico, and Progressive

Geico and Progressive also offer competitive rates and discounts, making them ideal for budget-conscious drivers. This article will help you choose the right coverage based on your needs and budget.

Our Top 10 Company Picks: Best Glendale, AZ Auto Insurance

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
State Farm:Best Glendale, AZ Auto Insurance#112%BMany DiscountsState Farm
Geico:Best Glendale, AZ Auto Insurance#210%A++Affordable RatesGeico
Progressive:Best Glendale, AZ Auto Insurance#39%A+Flexible PlansProgressive
Allstate:Best Glendale, AZ Auto Insurance#418%A+Comprehensive CoverageAllstate
Liberty Mutual:Best Glendale, AZ Auto Insurance#514%ACustomized PoliciesLiberty Mutual
Nationwide:Best Glendale, AZ Auto Insurance#615%A+Coverage OptionsNationwide
Farmers:Best Glendale, AZ Auto Insurance#78%APersonalized SupportFarmers
USAA:Best Glendale, AZ Auto Insurance#820%A++Military FocusUSAA
Travelers:Best Glendale, AZ Auto Insurance#911%A++Broad CoverageTravelers
American Family:Best Glendale, AZ Auto Insurance#1016%ALocal SupportAmerican Family

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Finding affordable car insurance can feel overwhelming with the number of sites and prices to compare. We get it. If you’re searching for a Glendale, AZ car insurance provider, you’ve come to the right place. Our comprehensive guide will help you discover affordable auto insurance options in Arizona. Simply enter your ZIP code into our free tool above to start comparing quotes.

A brief overview

  • Discover top auto insurance providers in Glendale, AZ, for diverse needs.
  • Compare rates and coverage options for the best Glendale, AZ auto insurance.
  • State Farm offers the best rates, starting at $65 per month.

Table of Contents

#1 State Farm: Top Overall Pick

State Farm: Best Glendale, AZ Auto Insurance

Pros

  • Wide Range of Discounts: State Farm offers numerous discounts, making it a leading choice for Glendale, AZ, car insurance providers.
  • Strong Financial Stability: With a solid financial rating, State Farm provides reliable coverage for the best auto insurance in Glendale, AZ.
  • Excellent Customer Service: Known for its strong customer support, State Farm enhances the Glendale, AZ car insurance provider experience.
  • Comprehensive Coverage Options: State Farm offers a wide array of coverage options to meet diverse needs, making it a leading option for the best coverage for auto insurance in Glendale, AZ. For a more detailed examination, check out our “State Farm Auto Insurance Review” for expanded insights.

Cons

  • Higher Rates for Young Drivers: State Farm may have higher rates for younger drivers compared to other providers for the best auto insurance coverage in Glendale, AZ.
  • Limited Online Tools: State Farm’s online tools and features may not be as advanced as competitors’, which can affect those seeking the Glendale, AZ, car insurance provider online.
  • Inconsistent Claims Processing: Some customers report inconsistencies with claims processing, which could impact those looking for the best coverage for auto insurance in Glendale, AZ.

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#2 – Geico: Best for Affordable RatesGeico: Best Glendale, AZ Auto Insurance

Pros

  • Competitive Pricing: Geico is renowned for its affordable rates, making it a great option for the best auto insurance coverage in Glendale, AZ.
  • High A.M. Best Rating: With an A++ rating, Geico’s financial stability ensures dependable coverage for those seeking car insurance in Glendale, AZ. Expand your understanding with our Geico Auto Insurance Review.
  • User-Friendly Online Tools: Geico offers a robust online platform, ideal for those seeking the best coverage for auto insurance in Glendale, AZ, digitally.
  • Multiple Discounts: Geico provides various discounts, enhancing the value of the Glendale, AZ car insurance provider.

Cons

  • Limited Local Presence: Geico’s limited local presence might affect personalized service and the best coverage for auto insurance in Glendale, AZ.
  • Higher Rates for Poor Credit: Drivers with poor credit may face higher rates with Geico compared to other providers for the Glendale, AZ car insurance provider.
  • Basic Coverage Options: Geico’s coverage options may be less comprehensive than competitors’, affecting those needing extensive protection for the best auto insurance in Glendale, AZ.

#3 – Progressive: Best for Flexible Plans

Progressive: Best Glendale, AZ Auto Insurance

Pros

  • Variety of Coverage Options: Progressive provides a variety of adaptable plans, making it an excellent choice for the best coverage for auto insurance in Glendale, AZ needs. Find out more by reading our “Progressive Auto Insurance Review.
  • Discounts for Bundling: Progressive provides cost-effective solutions for Glendale, AZ, car insurance providers with bundling discounts.
  • Strong Customer Service: Progressive is known for good customer service and supports a positive experience for the best coverage for auto insurance in Glendale, AZ.
  • High A.M. Best Rating: Progressive’s financial strength ensures dependable coverage, reinforcing its position as the Glendale, AZ, car insurance provider.

Cons

  • Higher Rates for Some Demographics: Progressive may offer higher rates for certain demographics compared to other providers for the best auto insurance coverage in Glendale, AZ.
  • Complex Online Tools: The complexity of Progressive’s online tools may be a drawback for those seeking straightforward solutions for the Glendale, AZ, car insurance provider.
  • Variable Customer Reviews: Customer reviews about Progressive’s claims process are mixed, which might impact the perception of the best coverage for auto insurance in Glendale, AZ.

#4 – Allstate: Best for Comprehensive Coverage

Allstate: Best Glendale, AZ Auto Insurance

Pros

  • Broad Coverage Options: Allstate offers extensive coverage options, making it ideal for those seeking a Glendale, AZ, car insurance provider.
  • High A.M. Best Rating: Allstate’s A+ rating indicates strong financial stability, supporting reliable coverage for the best coverage for auto insurance in Glendale, AZ.
  • Generous Bundling Discounts: With discounts of up to 18% for bundling, Allstate provides substantial savings on the best coverage for auto insurance in Glendale, AZ. To obtain further insights from our “Allstate Auto Insurance Review,” you can explore more details.
  • Excellent Customer Support: Allstate’s customer service is highly rated, enhancing the experience of the Glendale, AZ, car insurance provider.

Cons

  • Potentially Higher Premiums: Allstate’s premiums may be higher for some drivers compared to other providers for the best coverage for auto insurance in Glendale, AZ.
  • Mixed Claims Reviews: There are mixed reviews regarding Allstate’s claims processing, which might affect the Glendale, AZ, car insurance provider experience.
  • Higher Costs for Some Plans: Some coverage plans may be more expensive, impacting the overall value for the Glendale, AZ, car insurance provider.

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#5 – Liberty Mutual: Best for Customized Policies

Liberty Mutual: Best Glendale, AZ Auto Insurance

Pros

  • Tailored Policy Options: Liberty Mutual offers customized policies to fit individual needs, which is ideal for the best coverage for auto insurance in Glendale, AZ.
  • Good Bundling Discounts: With up to 14% off for bundling, Liberty Mutual provides valuable savings on the Glendale, AZ, car insurance provider.
  • Strong A.M. Best Rating: Liberty Mutual’s solid financial rating supports dependable coverage for the best coverage for auto insurance in Glendale, AZ.
  • Flexible Coverage Levels: Liberty Mutual offers a range of adaptable coverage options to meet various needs, positioning it as a leading choice for car insurance in Glendale, AZ. For a deeper understanding, obtain further insights from our “Liberty Mutual RightTrack Review.

Cons

  • Higher Rates for Some Drivers: Liberty Mutual’s rates may be higher for certain drivers compared to other providers for the best auto insurance coverage in Glendale, AZ.
  • Less Competitive for Young Drivers: Liberty Mutual may not be as competitive for younger drivers as the Glendale, AZ, car insurance provider.
  • Complex Policy Options: Liberty Mutual’s policy options might be challenging for some customers seeking straightforward solutions for the best auto insurance coverage in Glendale, AZ.

#6 – Nationwide: Best for Coverage Options

Nationwide: Best Glendale, AZ Auto Insurance

 

Pros

  • Extensive Coverage Choices: Nationwide offers a wide range of coverage options, making it a strong contender for the Glendale, AZ, car insurance provider.
  • High Bundling Discounts: With up to 15% off for bundling, Nationwide provides significant savings on the best auto insurance coverage in Glendale, AZ.
  • Strong A.M. Best Rating: Nationwide’s A+ rating ensures reliable coverage for the Glendale, AZ, car insurance provider.
  • Flexible Payment Options: Nationwide offers a range of payment options, making it a top choice for the best auto insurance coverage in Glendale, AZ. For more details, read our article “Nationwide Auto Insurance Review.”

Cons

  • Higher Premiums for Certain Demographics: Nationwide’s premiums may be higher for specific demographics compared to other providers for the Glendale, AZ car insurance provider.
  • Mixed Customer Service Reviews: Nationwide’s customer service reviews are mixed, which could affect the overall experience of finding the best auto insurance coverage in Glendale, AZ.
  • Limited Online Tools: Nationwide’s online tools may not be as advanced as those of competitors, affecting digital access to the Glendale, AZ, car insurance provider.

#7 – Farmers: Best for Personalized Support

Farmers: Best Glendale, AZ Auto Insurance

Pros

  • Personalized Customer Service: Farmers is known for its personalized support, making it a top choice for the best auto insurance coverage in Glendale, AZ.
  • Good Bundling Discounts: Farmers provides affordable car insurance options for Glendale, AZ, with potential savings of up to 8% when bundling. Access supplementary details in our “Farmers Auto Insurance Review.”
  • Strong A.M. Best Rating: Farmers’ A rating supports reliable coverage for the best coverage auto insurance in Glendale, AZ.
  • Variety of Coverage Options: Farmers provides a range of coverage options to suit different needs, enhancing its reputation as the Glendale, AZ, car insurance provider.

Cons

  • Higher Rates for Younger Drivers: Farmers may offer higher rates for younger drivers compared to other providers for the best auto insurance coverage in Glendale, AZ.
  • Limited Online Features: Farmers’ online tools and features might be less comprehensive, affecting those seeking a car insurance provider in Glendale, AZ, online.
  • Mixed Reviews on Claims Processing: Farmers’ claims processing reviews are mixed, which could impact those looking for the best auto insurance coverage in Glendale, AZ.

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#8 – USAA: Best for Military Focus

USAA: Best Glendale, AZ Auto Insurance

 

Pros

  • Specialized for Military Personnel: USAA is tailored specifically for military personnel, making it a top choice for the best auto insurance coverage in Glendale, AZ, for this demographic. Dive deeper into our “Military Auto Insurance” for a comprehensive understanding.
  • Highest Bundling Discounts: USAA offers the best savings for the Glendale, AZ, car insurance provider by offering up to 20% off for bundling.
  • Top A.M. Best Rating: USAA’s A++ rating ensures strong financial stability and reliable coverage for the best coverage for auto insurance in Glendale, AZ.
  • Excellent Customer Service: USAA’s customer service is highly rated, enhancing the Glendale, AZ, car insurance provider experience.

Cons

  • Exclusivity: USAA’s services are only available to military members and their families, limiting options for those seeking the best auto insurance coverage in Glendale, AZ.
  • Limited Availability: The exclusivity of USAA can restrict access for non-military drivers looking for the Glendale, AZ car insurance provider.
  • Potentially Higher Rates for Non-Military Drivers: Rates for non-military drivers may not be as competitive, affecting the best coverage for auto insurance in Glendale, AZ, experience for those outside the military community.

#9 – Travelers: Best for Broad Coverage

Travelers: Best Glendale, AZ Auto Insurance

Pros

  • Wide Coverage Options: Travelers offers extensive coverage options, making it a strong choice for the best coverage for auto insurance in Glendale, AZ.
  • Competitive Bundling Discounts: With up to 11% off for bundling, Travelers provides valuable savings for the Glendale, AZ, car insurance provider.
  • Strong A.M. Best Rating: Travelers’ A++ rating supports dependable coverage for the best coverage for auto insurance in Glendale, AZ.
  • Comprehensive Claims Support: Travelers provides robust claims support, enhancing the Glendale, AZ, car insurance provider experience.

Cons

  • Potentially Higher Rates for Some Drivers: Travelers might charge higher premiums for certain driver profiles compared to other providers for the best auto insurance coverage in Glendale, AZ. Please refer to our detailed analysis to obtain further insights from our “Travelers Auto Insurance Review.
  • Limited Discounts for Certain Groups: Travelers’ discount offerings may not be as extensive for all customer segments seeking the Glendale, AZ, car insurance provider.
  • Mixed Customer Service Reviews: Customer service feedback for Travelers is varied, which could impact the cost coverage for auto insurance in Glendale, AZ experience.

#10 – American Family: Best for Local Support

American Family: Best Glendale, AZ Auto Insurance

Pros

  • Strong Local Presence: American Family’s extensive local network provides personalized support, ideal for the Glendale, AZ car insurance provider.
  • Generous Bundling Discounts: With up to 16% off for bundling, American Family offers substantial savings for the best auto insurance coverage in Glendale, AZ.
  • High A.M. Best Rating: American Family’s A rating indicates strong financial stability, supporting reliable coverage for the Glendale, AZ, car insurance provider.
  • Comprehensive Coverage Options: American Family offers a range of coverage options designed to address various needs, making it a strong contender for the best coverage for auto insurance in Glendale, AZ. Gain insights by reading our article titled “American Family Auto Insurance Review.

Cons

  • Higher Premiums for Some Demographics: American Family’s premiums may be higher for certain demographics compared to other providers for the best auto insurance coverage in Glendale, AZ.
  • Limited National Presence: American Family’s regional focus may limit access and support for those seeking a Glendale, AZ car insurance provider outside of their primary areas.
  • Inconsistent Claims Processing: Customer reviews suggest variability in claims processing, which could impact those seeking the best coverage for auto insurance in Glendale, AZ.

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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. Of course, Arizona auto insurance laws play a role.

Monthly Auto Insurance Rates by Provider & Coverage in Glendale, AZ

When considering Affordable auto insurance in Glendale, AZ, it’s essential to know how monthly premiums differ depending on the provider and coverage type. Leading companies like Geico, State Farm, and Allstate have various pricing options that depend on the coverage chosen.

For automobile liability coverage, the starting rates are typically around $65 per month for basic plans, but these can rise substantially with more comprehensive coverage options.

Glendale, AZ Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate:Best Glendale, AZ Auto Insurance$88$235
American Family:Best Glendale, AZ Auto Insurance$83$220
Farmers:Best Glendale, AZ Auto Insurance$85$225
Geico:Best Glendale, AZ Auto Insurance$68$185
Liberty Mutual:Best Glendale, AZ Auto Insurance$92$230
Nationwide:Best Glendale, AZ Auto Insurance$80$215
Progressive:Best Glendale, AZ Auto Insurance$73$205
State Farm:Best Glendale, AZ Auto Insurance$82$220
Travelers:Best Glendale, AZ Auto Insurance$78$210
USAA:Best Glendale, AZ Auto Insurance$65$175

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Geico is known for offering competitive rates, especially for younger drivers under 35, while USAA provides excellent value for military personnel and their families. Rates will naturally be higher for those needing higher coverage due to the region’s frequent monsoon storms, which can increase repair and replacement costs.

Comprehensive coverage options, designed to protect against a wide range of risks, including severe weather, can add a few hundred dollars annually to your premium. Travelers and Progressive also offer favorable rates for various coverage levels, so comparing these options can help you find the best balance between coverage and cost.

Glendale, AZ Auto Insurance Premiums Report Card

Moderate risks and regional factors shape Glendale’s auto insurance premiums. Weather-related risks (B+) are typically low, but extreme heat and dust storms may occasionally raise the risk of vehicle damage. Likewise, the average claim size (B) stays reasonable, though heat can drive up repair costs, influencing auto insurance coverage options available to drivers.

Glendale, Arizona Report Card: Auto Insurance Premiums

CategoryGradeExplanation
Weather-Related RisksB+Low risk of severe weather, though extreme heat and dust storms (haboobs) can pose occasional risks
Average Claim SizeBRepair costs are moderate, but extreme heat can lead to vehicle damage and increase repair needs
Vehicle Theft RateB-Higher than the national average, but lower than in larger metropolitan areas in Arizona
Traffic DensityB-Moderate traffic congestion, especially near major highways and during peak hours
Uninsured Drivers RateC+Slightly higher than the national average, though lower than some surrounding areas

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The city’s vehicle theft rate (B-) is higher than the national average but still lower than in larger Arizona cities, contributing to slightly elevated premiums. Traffic density (B-) is moderate, particularly around highways during rush hours, while the uninsured driver rate (C+) is above average, pushing premiums higher.

Top Auto Insurance Discounts in Glendale, AZ

In Glendale, AZ, leading auto insurance companies present numerous car insurance discounts to help reduce your premium costs. For example, Geico offers several savings opportunities, such as discounts for safe driving, high academic achievement, and bundling policies together.

State Farm provides discounts for completing safe driving courses and for having vehicle safety features, which can notably lower your premiums.

State Farm provides unmatched auto insurance coverage in Glendale, AZ, with plans starting at $65 per month, ensuring comprehensive protection for drivers.

Tracey L. Wells Licensed Insurance Agent & Agency Owner

Progressive also rewards customers with car insurance discounts for maintaining a clean driving record and demonstrating safe driving habits. To explore more options, consider comparing Arizona car insurance quotes to find Cheap auto insurance in Glendale that fits your needs.

Auto Insurance Discounts From the Top Providers in Glendale, AZ

Insurance CompanyAvailable Discounts
Allstate:Best Glendale, AZ Auto InsuranceNew Car, Responsible Payer, Safe Driving Club, Deductible Rewards, Auto-Pay
American Family:Best Glendale, AZ Auto InsuranceEarly-Bird, Generational (multi-gen families), Safe Driving, Away at School, Loyalty
Farmers:Best Glendale, AZ Auto InsuranceSignal (driving behavior), Mature Driver, Pay-in-Full, Good Driver, Alternative Fuel
Geico:Best Glendale, AZ Auto InsuranceDefensive Driving, Federal Employee, Military, Seatbelt Use, Anti-Theft Device
Liberty Mutual:Best Glendale, AZ Auto InsuranceRightTrack, Violation-Free, Hybrid Vehicle, Paperless, New Move-In
Nationwide:Best Glendale, AZ Auto InsuranceSmartRide, Vanishing Deductible, Accident-Free, Anti-Lock Brakes, Family Plan
Progressive:Best Glendale, AZ Auto InsuranceSnapshot, Continuous Coverage, Homeowner, Multi-Vehicle, Teen Driver
State Farm:Best Glendale, AZ Auto InsuranceDrive Safe & Save, Steer Clear (for young drivers), Good Student, Multi-Car
Travelers:Best Glendale, AZ Auto InsuranceIntelliDrive, New Car, Green Vehicle, Multi-Policy, Continuous Insurance
USAA:Best Glendale, AZ Auto InsuranceMilitary Installation, Storage (vehicle not in use), Loyalty, Annual Mileage, SafePilot

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USAA, available exclusively to military families, offers some of the best discounts in the industry, including reductions for safe driving and multi-vehicle policies. Each provider’s discounts can vary, so it’s beneficial to inquire about all available savings options when getting quotes. Leveraging these discounts can lead to substantial savings on your auto insurance premiums while ensuring you have the coverage you need.

Gender and Age Affecting Auto Insurance in Glendale

Yes, you’ll notice that auto insurance rates fluctuate monthly based on factors like gender and age. One of the key factors that affect your car insurance premium is age, as younger drivers tend to have less experience behind the wheel.

This lack of experience increases the likelihood of accidents, making them more expensive to insure. For instance, teenagers in Glendale pay significantly higher premiums compared to older drivers.

Those looking for cheap car insurance for a 22-year-old will also face higher costs. Additionally, it’s important to understand facts about Arizona car insurance laws, as they influence how premiums are calculated. Take a look at the table below to see the difference. Glendale, AZ Auto Insurance Monthly Rates by Age

AgeRates
60$219
35$236
25$269
17$798

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Teenagers aren’t the only ones in Glendale paying more for auto insurance. If you’re 25, your average rate is $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 in 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

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 who are 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 Auto Insurance Monthly Rates by Gender

GenderRates
Female$359
Male$380

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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 they impact auto insurance rates. Find where you fit in based on your age and gender in the table below. Glendale, AZ Auto Insurance Monthly Rates by Age and Gender

DemographicRates
Married 60-year-old female$215
Married 60-year-old male$223
Married 35-year-old female$236
Married 35-year-old male$236
Single 25-year-old female$257
Single 25-year-old male$280
Single 17-year-old female$729
Single 17-year-old male$867
Average$380

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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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ZIP Codes with the Cheapest Auto Insurance Rates in Glendale

Insurance companies calculate auto insurance rates based on ZIP codes. They review crime statistics to determine which areas pay higher premiums. Neighborhoods with lower crime rates typically have the cheapest auto insurance rates.

On the other hand, areas with higher crime rates tend to have the highest auto insurance rates according to ZIP codes. Are you paying more due to your ZIP code? Check the table below to see your neighborhood.

When comparing costs, consider factors like the average miles driven per year in Arizona, as this can impact premiums. Exploring cheap insurance places and understanding minimum car insurance requirements can also help you find better rates.

Glendale, AZ Auto Insurance Monthly Rates by ZIP Code

ZIP CodeRates
85310$350
85309$356
85308$361
85345$365
85307$367
85305$377
85306$387
85302$399
85304$400
85303$413
85301$414

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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

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 crime.

Factors Affecting Auto Insurance Rates in Glendale

To understand how auto insurance premiums are calculated in Glendale, Arizona, it’s crucial to consider factors such as road conditions, crime rates, and traffic congestion in the area. Major insurance companies typically use auto insurance rating tiers to assess how risky a driver you are, which influences your rate.

Your auto insurance quotes are also affected by the overall safety of driving in your city and state. Thus, truly cheap auto insurance relies on more than just personal demographics. To illustrate, let’s explore the impact of Geico change miles driven and the different types of auto insurance coverage. Keep reading to delve deeper into these aspects.

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Road Conditions in Glendale

If road conditions are subpar in a particular area, expect to see increased insurance rates. Check out the table below to understand the road conditions in the Phoenix-Mesa region of Arizona, where the Glendale Nine drive-in is situated. This includes information relevant to incidents such as a fatal car accident in Glendale and the impact on high-risk drivers. Phoenix-Mesa, AZ Road Conditions

Road TypePercentage of 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

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.

Auto Accident and Insurance Claims Statistics in Glendale, Arizona

Glendale, Arizona, experiences roughly 1,100 accidents yearly, resulting in about 900 insurance claims annually. The average claim cost is around $6,800, highlighting the costs of both minor and major collisions. Additionally, negotiating a car’s value after an accident can significantly affect claim outcomes in the city.

Glendale, Arizona Auto Accident & Insurance Claim Statistics

FactorValue
Accidents per Year1,100
Claims per Year900
Average Claim Cost$6,800
Percentage of Uninsured Drivers17%
Vehicle Theft Rate380 thefts/year
Traffic DensityMedium-High
Weather-Related IncidentsMedium-Low

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Around 17% of drivers in Glendale are uninsured, contributing to higher insurance rates for the city. While the vehicle theft rate stands at 380 thefts per year, weather-related incidents remain relatively low, and traffic density is categorized as medium-high.

Vehicle Theft in Glendale

Auto insurance companies assess the safety of your city and state when providing coverage. So, why are auto insurance rates elevated in Arizona? One factor might be the influence of providers like American Family Insurance in Glendale, AZ. Additionally, government auto insurance policies and regulations can also impact insurance costs.

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 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.

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

Although specific data for Glendale is not available, Inrix has reported that drivers in the nearby city of Phoenix lost 35 hours due to traffic congestion in 2019. If you’re driving in Glendale, you’ll likely pass through Phoenix at some point.

Be cautious during peak traffic times. For those seeking coverage, consider Freeway Insurance in Glendale. Additionally, be aware of how traffic violations increase car insurance rates, as they can significantly impact your premiums.

Allstate America’s Best Drivers Report

In 2019, Allstate in Glendale, AZ, ranked the city’s drivers as the 89th safest in the United States, according to its America’s Best Drivers report. This report evaluates the 200 largest cities across the country. Glendale’s drivers made significant progress, climbing eight positions from the previous year. In this city, residents typically go a little over nine years between insurance claims.

On average, drivers in Glendale experience 29 hard-braking incidents for every 1,000 miles driven. If you’re looking for affordable coverage, consider exploring options for cheap auto insurance in Arizona.
Allstate Homepage Screenshot: Best Glendale, AZ Auto Insurance

Traffic Conditions in Glendale

Fortunately, Glendale doesn’t experience significant traffic issues, with most congestion stemming from commuter and rush hour traffic. Many Glendale residents commute to Phoenix for work, meaning you’ll likely encounter traffic delays from the city’s overflow. It’s important to consider these factors when selecting different types of auto insurance coverage.

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

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

Auto Insurance Rates and Your Vehicle

The rates for your insurance policy are significantly influenced by the cost associated with repairing or replacing your vehicle. To illustrate, the following graph compares the starting annual premiums for a luxury car against those for a basic sedan.

For additional insights, you might also want to explore options like Allstate in Glendale, AZ, or look into cheap Liberty Insurance. Additionally, if you’re interested in protecting other types of vehicles or equipment, consider learning how traffic violations increase car insurance rates.

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

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 repair or replace it adequately in case of an accident. If your goal is to secure Arizona’s lowest auto insurance rates, a luxury vehicle may not be the right choice. Ready to get the best auto insurance rates in Glendale, AZ? Enter your ZIP code using our FREE tool below.

Frequently Asked Questions

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.

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.

What are the auto insurance requirements in Arizona?

Arizona mandates auto insurance coverage options that include a minimum of $15,000 per person, $30,000 per accident for bodily injury liability, and $10,000 for property damage liability. When searching for Arizona’s top auto insurance companies, it’s important to ensure these minimum requirements are met.

Many cheap auto insurance companies offer policies that comply with these standards, providing adequate protection at affordable rates.

How can I get car insurance quotes in Glendale?

You can obtain car insurance quotes in Glendale through several methods:

  • Local Insurance Agencies: Visit or contact local insurance agencies in Glendale for personalized quotes tailored to your specific needs.
  • Online Comparison Tools: Use websites like Geico, Progressive, and State Farm to receive multiple quotes by entering your details.
  • Insurance Company Websites: Major insurers, such as Allstate, American Family, and Farmers, offer online quote forms on their websites.
  • Insurance Brokers: Brokers can help you compare quotes from various companies and find the best rates for your coverage needs.

These options will help you find competitive rates and suitable coverage for car insurance in Glendale.

How much does car insurance cost in Arizona per month?

The monthly cost of car insurance in Arizona typically ranges from $100 to $150, depending on factors like coverage levels, driving history, and vehicle type.

What is the average cost of car insurance in Arizona?

The cost of car insurance in Arizona typically ranges from $1,200 to $1,800 per year, but this can differ depending on personal factors and the insurance company you choose. Comparing Arizona car insurance quotes from different providers is helpful in finding the most affordable option.

Those looking for Cheap auto insurance in Glendale should explore rates from cheap auto insurance companies to ensure they get the best deal.

What is the best auto insurance for seniors in Arizona?

For seniors in Arizona, companies like AARP Auto Insurance, State Farm, and Geico offer competitive rates and benefits tailored to older drivers, including discounts and specialized coverage options.

Where can I find car insurance quotes online in Arizona?

You can find car insurance quotes online in Arizona through comparison websites like NerdWallet, The Zebra, and Insurance.com, as well as directly from insurance company websites.

Compare the best auto insurance in Glendale, AZ, now by entering your ZIP code into our FREE tool below.

Are there options for low-income car insurance in Arizona?

Yes, there are options for secure low-rate car insurance in Arizona. Several insurance providers offer affordable plans specifically designed for those on a tight budget. Additionally, Arizona has programs such as the Arizona Health Care Cost Containment System (AHCCCS) that might offer assistance or resources for eligible individuals.

It’s also advantageous to compare quotes from various companies, including Freeway Insurance in Glendale, and explore available claim-free discounts that might apply to your situation.

Where can I find cheap auto insurance quotes in Arizona?

Cheap auto insurance quotes in Arizona can be found through online comparison tools, insurance agents, and providers like Geico, Progressive, and State Farm, which often offer competitive rates.

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