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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Rachael Brennan
Licensed Insurance Agent
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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UPDATED: Jul 19, 2021
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- 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
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.
| Age | Average 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 |
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.
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.
| Gender | Average Auto Insurance Rate |
|---|---|
| Female | $4,309.47 |
| Male | $4,563.99 |
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.
| Demographic | Average 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 |
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.
| ZIP Code | Average 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 |
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.
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.
| Demographics | Geico | USAA | Travelers | Progressive | Nationwide | American Family | State Farm | Allstate | Farmers |
|---|---|---|---|---|---|---|---|---|---|
| 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 |
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.
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.
| Companies | Rates 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 |
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.
| Companies | Rates with Low Coverage | Rates with Medium Coverage | Rates with High Coverage | Average 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 |
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.
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.
| Companies | Rates with Good Credit | Rates with Fair Credit | Rates with Poor Credit | Rates 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 |
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.
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.
| Companies | Rates with Clean Record | Rates with 1 Accident | Rates with 1 DUI | Rates with 1 Speeding Violation | Average 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 |
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.
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.
| Road Type | Percentage of Phoenix-Mesa, AZ Roads |
|---|---|
| Poor share | 23% |
| Mediocre share | 29% |
| Fair share | 20% |
| Good share | 27% |
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.
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.
| Crime Statistics | Crime Data |
|---|---|
| Property crime | 11,293 |
| Aggravated assault | 627 |
| Arson | 48 |
| Burglary | 1,589 |
| Larceny-theft | 8,541 |
| Motor vehicle theft | 1,163 |
| Murder and nonnegligent manslaughter | 12 |
| Population | 249,273 |
| Rape | 97 |
| Robbery | 481 |
| Violent crime | 1,217 |
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.
| Type of Crime | Glendale Rate (Per 1,000) | National Rate (Per 1,000) |
|---|---|---|
| Burglary | 6.55 | 3.76 |
| Theft | 29.88 | 15.95 |
| Motor vehicle theft | 4.2 | 2.29 |
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.
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.