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

Top Glendale AZ Pick: State Farm

17,759 reviews

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4.1

Company Facts

Full Coverage in Glendale AZ

$220/mo

A.M. Best Rating

B

Complaint Level

High

» State Farm Auto Insurance Review

17,759 reviews

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Best Glendale AZ Rates: Geico

19,116 reviews

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4.1

Company Facts

Full Coverage in Glendale AZ

$185/mo

A.M. Best Rating

A++

Complaint Level

High

» Geico Auto Insurance Review

19,116 reviews

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Best Glendale AZ Plans: Progressive

13,128 reviews

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4.1

Company Facts

Full Coverage in Glendale AZ

$205/mo

A.M. Best Rating

A+

Complaint Level

Low

» Progressive Auto Insurance Review

13,128 reviews

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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.

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

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	12%	B	Many Discounts	State Farm
	#2	10%	A++	Affordable Rates	Geico
	#3	9%	A+	Flexible Plans	Progressive
	#4	18%	A+	Comprehensive Coverage	Allstate
	#5	14%	A	Customized Policies	Liberty Mutual
	#6	15%	A+	Coverage Options	Nationwide
	#7	8%	A	Personalized Support	Farmers
	#8	20%	A++	Military Focus	USAA
	#9	11%	A++	Broad Coverage	Travelers
	#10	16%	A	Local Support	American Family

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.

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 Company	Minimum Coverage	Full Coverage
	$88	$235
	$83	$220
	$85	$225
	$68	$185
	$92	$230
	$80	$215
	$73	$205
	$82	$220
	$78	$210
	$65	$175

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.

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.

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 Company	Available Discounts
	New Car, Responsible Payer, Safe Driving Club, Deductible Rewards, Auto-Pay
	Early-Bird, Generational (multi-gen families), Safe Driving, Away at School, Loyalty
	Signal (driving behavior), Mature Driver, Pay-in-Full, Good Driver, Alternative Fuel
	Defensive Driving, Federal Employee, Military, Seatbelt Use, Anti-Theft Device
	RightTrack, Violation-Free, Hybrid Vehicle, Paperless, New Move-In
	SmartRide, Vanishing Deductible, Accident-Free, Anti-Lock Brakes, Family Plan
	Snapshot, Continuous Coverage, Homeowner, Multi-Vehicle, Teen Driver
	Drive Safe & Save, Steer Clear (for young drivers), Good Student, Multi-Car
	IntelliDrive, New Car, Green Vehicle, Multi-Policy, Continuous Insurance
	Military Installation, Storage (vehicle not in use), Loyalty, Annual Mileage, SafePilot

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.

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

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.

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

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

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.

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

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 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.

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

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.

Auto Accident and Insurance Claims Statistics in Glendale, Arizona

Glendale, Arizona Auto Accident & Insurance Claim Statistics

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

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

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.

Traffic Conditions in Glendale

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.

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.