Glendale, AZ Auto Insurance: Cheap Car Insurance in Glendale, Arizona

Glendale, AZ auto insurance rates average $380.85/mo or $4,570.20 annually. Arizona car insurance rates are higher than the national average of $86/month, but you can get cheap auto insurance in Glendale, AZ by comparison shopping.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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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. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 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. 

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. 

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