Cheap Auto Insurance in Glendale, Arizona (2024)

Located less than 30 minutes northwest of Phoenix and two hours south of Sedona, Glendale, Arizona, is known for its sports and shopping districts and is home to more than 250,000 people. The city's size and high population density – more than 4,000 residents per square mile^[1]– are factors in its higher car insurance costs. Densely populated areas typically have more vehicles on the road, and traffic congestion can lead to higher accident rates.

Glendale liability-only policies average $121 per month and full-coverage policies average $228 per month, compared to the Arizona state averages of $94 and $194. But it’s possible to find lower rates when you compare car insurance rates from multiple companies.

While finding the cheapest insurance option will depend on your personal situation, here’s what to look for as you begin your search for new insurance in Glendale.

Best car insurance companies in Glendale

Choosing the right car insurance company for you depends on a variety of factors, such as your driving history, age, credit, and coverage needs. When considering different insurance companies, it’s also important to assess the company’s reputation for providing dependable coverage, customer service, and claims handling.

To begin your search, here’s a look at some of the best insurance companies operating in the Glendale area.

Best insurer for low-mileage drivers: Mile Auto

Best insurer for drivers with a DUI: Bristol West

Best insurer for young drivers: Auto-Owners

How to get the cheapest car insurance in Glendale

Getting the cheapest auto insurance policy for the best coverage in Glendale will depend on several factors, including your driving history, age, ZIP code, and the type of coverage you need.

No matter your specific circumstances, the following tips can help you reduce your car insurance expense:

• Maintain a clean driving record. Your driving record significantly affects your car insurance rates. To keep a clean driving record, follow traffic rules, avoid distractions while driving, and maintain a safe distance from other vehicles on the road.

• Ask about discounts. Car insurers offer various discounts, from bundling auto insurance with renters insurance to enrolling in a defensive driver course or getting good grades in college. Ask about which discounts you might qualify for to help you save on your premium.

• Check insurance costs when buying a car. If you’re planning to purchase a car, it’s essential to check the insurance costs before making a final decision. Some cars cost more to insure than others, depending on their make, model, and safety features. So, before purchasing check with your insurance company to get an idea of how much your insurance premium will be. If the cost of insurance is higher than what you expected, you might want to reconsider your choices.

• Shop around and compare rates. Shopping around to compare different rates can help ensure you’re getting the best price for the coverage you need. You can get a free insurance quote from an insurance agent or consider using online tools to help you compare insurance options.

Cheapest liability-only car insurance in Glendale: Auto-Owners

Liability car insurance is also called minimum-coverage insurance because it only covers the medical and property damage the other party sustains in an accident you cause. While you won’t receive any coverage for your vehicle, liability may be worth considering if you’re only interested in coverage that meets the state’s minimum requirements.

Liability insurance may also make sense if you drive an older vehicle that wouldn’t be financially difficult to replace. 

On average, Glendale drivers pay $1,457 annually for liability-only coverage. Here are some of the cheapest liability-only car insurance rates in Glendale.

Cheapest full-coverage car insurance in Glendale: Auto-Owners

Full-coverage car insurance includes liability but also extends coverage to your vehicle and your medical costs after an accident. If you have a car loan or lease a vehicle, your lender may require you to have full-coverage insurance, since this can save both you and the lender money if you’re in an accident that causes significant damage to the car.

Full-coverage insurance costs more than liability coverage, but it can help you avoid paying out of pocket for serious car repairs and medical bills.

The average annual cost of full coverage in Glendale is $2,735. Here are some of the cheapest full-coverage car insurance rates in Glendale.

Car insurance requirements in Arizona

Most states require drivers to have minimum or liability coverage insurance, and in Arizona, insurance companies must notify the DMV of any policy cancellations, non-renewals, or new policies.^[2]

In order to drive legally in Arizona, your coverage must at least meet the following requirements:

Liability-only insurance doesn’t provide enough coverage for many drivers. If you want additional protection, you should consider the following optional coverages:

• 

  Uninsured/underinsured motorist coverage

  Uninsured motorist coverage protects you if you have an accident with an uninsured or underinsured driver who doesn’t have sufficient coverage for your damages and injury.

• 

  Collision coverage

  If you have a car accident, collision insurance pays to repair or replace your vehicle, regardless of fault.

• 

  Comprehensive coverage

  Comprehensive insurance covers damage and loss related to non-collision incidents. For example, it covers vehicle repairs or replacement costs if it’s damaged in a storm, stolen, or vandalized.

Cheapest car insurance for drivers with an incident

Incidents such as a moving violation or at-fault accident will go on your driving record and can affect your car insurance rates. Speeding tickets or driving under the influence can also cause your insurance rates to go up since such events increase the risk that you’ll file another insurance claim.

If you’re wondering how your rates could increase with an incident on your record, the following sections will show the effect each incident type can have.

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

If you’re caught speeding and receive a ticket, it can add points to your driving record and increase your car insurance rates. In Glendale, a ticket bumps average liability rates to $173. A speeding ticket doesn’t have to remain on your record permanently, however, and several insurers in Glendale offer cheaper liability-only car insurance rates even with a ticket on your record, as illustrated in the table below.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Having an at-fault accident on your record can significantly increase your car insurance rates, as a prior accident also increases the risk to the auto insurance company. Drivers with clean records in Glendale pay an average of $228 for full coverage, but drivers with an at-fault accident on their records pay average rates of $334 for the same coverage.

Choosing an insurance company that offers first-time accident forgiveness is helpful, but you should also consider some of these quotes from the best insurers in Glendale for drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: Auto-Owners

In Arizona, you could face jail time and fines for getting a DUI.^[3] While your license will also be suspended for some time, you’ll likely notice that your car insurance rates have significantly increased when you try to reobtain coverage. Some insurers may also drop you altogether.

While it’s more expensive to get insured with a DUI on your record, it’s not impossible. Some insurers specialize in working with drivers who have such incidents on their record, while others tend to offer better discounts and opportunities to save.

In Glendale, drivers with DUI convictions pay an average monthly rate of $334 for full coverage and $202 for minimum coverage car insurance. Here are some of the best Glendale car insurance companies for drivers who have a DUI on their record.

Cheapest car insurance for seniors: Auto-Owners

Car insurance rates can be higher for seniors because insurers consider older drivers a greater risk.^[4] This is due to reduced faculties as people age as well as the increased likelihood of high medical costs for a crash involving a senior.

Fortunately, older drivers can still get cheap car insurance rates by bundling car insurance with their homeowners insurance and keeping a clean driving record. Most insurance companies also offer different discounts for driving a vehicle with certain safety features or being a safe driver.

Car insurance for senior drivers averages $123 per month in Glendale. Here are some of the best insurance quotes for seniors in Glendale.

Cheapest car insurance for teens: Auto-Owners

Young drivers tend to pay more for car insurance as well because teens lack driving experience and are more likely to engage in behaviors that lead to a crash, like speeding or distracted driving.

To get cheaper car insurance as a young driver, consider obtaining discounts in addition to savings opportunities geared toward students and teens. There are also discount programs for getting good grades along with driver safety courses that some insurers offer to help young drivers save. It’s also usually more inexpensive to keep a teen on their parents’ insurance rather than purchasing a separate policy.

The overall average cost of car insurance for Glendale teens is $339 per month. As you begin your search for affordable teen car insurance, consult this list of some of the best car insurance quotes for young drivers in Glendale.

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Glendale car insurance quotes by credit tier

Your credit history is just one of several factors that an insurance company can use to help determine your car insurance rates. Insurers use your credit score and credit history to decide the likelihood that you’ll file an insurance claim.

Typically, the better your credit score, the lower your insurance rate may be. An excellent credit score is anything considered 720 or higher, and even if you have a poor credit score, credit is just one of several factors that insurers can use when calculating your rate.

Here are the average monthly quotes for Glendale based on your credit score tier.

Is car insurance more expensive in Glendale?

The average cost of full-coverage car insurance in Glendale is $228, which is higher than in several other Arizona cities like Gilbert, Mesa, and Phoenix. This is also higher than the state average for full-coverage insurance in Arizona, which is $194.

More cities in Arizona

Here, you can see how car insurance rates in Glendale compare to several other cities in Arizona.

Glendale car insurance FAQs