Best Auto Insurance Rates in Glendale, Arizona

On average your neighbors pay $70 a month.

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Friday, November 9 2018 By Shantae Young

Glendale, Arizona is home to University of Phoenix stadium where the Arizona Cardinals play and the Gila River Arena where the Arizona Coyotes hockey team plays. Super Bowl 42 and 49 were hosted at University of Phoenix stadium and the Fiesta Bowl is hosted there annually. If you save money on your car insurance, you can enjoy some of the sports events the city has to offer.

Average Glendale Car Insurance Rates

How much is car insurance in Glendale, AZ? Average car insurance rates in Glendale are slightly lower than the national average. The average cost of auto insurance in Arizona is $843.92. The national average price is $889.01 per year.

Prices may vary depending on your limits, coverage, and the total number of insurance claims filed in your zip code.

Arizona Average Annual Auto Insurance Rates
Coverage Rates
Liability $508.76
Collision $277.96
Comprehensive $186.12
Total Cost Per Year $843.92
Price Per Month $70.32
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year Arizona's rate data is available. According to the III, Arizona car insurance rates increased from $776 in 2011 to $844 in 2015, a jump of $67, or 8.67 percent.

Arizona average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Glendale, Arizona and save up to 40% on your premium.

Last year, 8,475 people used QuoteWizard to compare auto insurance quotes in Glendale, AZ from several companies to find the best rates.

Best Car Insurance Companies in Glendale, AZ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Glendale, Arizona last year.

  1. GEICO
  2. Progressive
  3. Allstate
  4. Farmers
  5. State Farm
  6. American Family
  7. Liberty Mutual
  8. USAA
  9. Nationwide
  10. Esurance
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles

This is our list of the most common car makes and models owned by Glendale, AZ drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Chevrolet C1500 Silverado
  3. Honda Accord LX/EX
  4. Ford Mustang
  5. Honda Civic LX
  6. Chevrolet Malibu/LS
  7. Chevrolet Cavalier
  8. Dodge Durango
  9. Kia Soul
  10. Chevrolet Impala
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Glendale, AZ

Glendale, Arizona has a minimum liability coverage requirement known as the 15/30/10 rule. This rule means drivers are required to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurer will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum amount your insurer will pay for property damage caused by a car accident.

The State of Arizona also allows residents the option of obtaining a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

Glendale Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Glendale ranked 92nd out of the 200 cities in the report. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 8.8 years.

Glendale drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Weather and road conditions can have a major effect on car insurance rates.

Weather

Glendale has a hot desert climate, like most of Arizona. Summers are very long and hot, experiencing 294 sunny days and many days with highs over 100 degrees. The winters are short and rarely drop below freezing. Glendale receives the most rain in August and on average gets around 8.4 inches of rain annually. Monsoon moisture, however, can result in sudden downpours that can cause can cause slick roads and flooding.

Road Conditions

According to a recent study by TRIP, 16% of the major streets in Arizona are in poor condition.  Costing residents $1.5 billion a year in vehicle operating costs and repairs, which works out to $318 per motorist.

This study by Trip.net also shows that in the Phoenix-Mesa metropolitan area, which also includes Glendale, 54% of the major roads are in good condition, with 44% in poor and mediocre condition.

Traffic Congestion

Maricopa County, where the Phoenix-Mesa-Glendale metropolitan area is located, had an average commute time of 26 minutes in 2013. The rush hour commute time was close to 31 minutes.

The Valley Metro Rail has helped to ease some of the traffic congestion problems in the Phoenix area. Glendale will get a light rail extension in 2026. This should relieve traffic congestion in the area.

Moving Violations

Moving violations like speeding tickets, drunk driving, and accidents can give you a bad driving record and raise your rates.

Traffic Tickets

The City of Glendale Municipal Court website allows you to pay traffic citations, tells drivers how to request a hearing, and provides helpful traffic court information.

Glendale Municipal Court reported filing 8,202 speeding tickets in 2014. They also reported 1,139 driving on a suspended license.

Car Accident Statistics

Glendale Police recorded 5,539 motor vehicle crashes in 2016 resulting in 1,525 injuries. This is an increase over the 5,007 car accidents reported in 2015.

Traffic Fatalities

Glendale experienced 33 fatal crashes in 2016 resulting in 34 fatalities. This was a huge increase over the 24 fatalities in 2015. While all traffic deaths are tragedies, Glendale has an estimated population of 245,895. This makes it a safe city in terms of traffic fatalities.

Drunk Driving Accidents and Fatalities

In 2016, Glendale reported 186 car crashes in which alcohol was a factor. These DUI crashes caused 137 injuries and nine fatalities.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Glendale DUI insurance.

Vehicle Theft Rates

Glendale Police reported 1,049 vehicle thefts in 2016. This is a rate of 4.37 thefts per 1,000 residents. This is nearly twice the national rate of 2.20 thefts per 1,000 people.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in Glendale, AZ depending on your carrier. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
  2. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  3. Drivers 55 and older can qualify for the senior discount and the 55 and retired discount
  4. Drive less. Live close to work and get the low mileage discount
  5. Maintain at least a B grade point average in school to qualify for the good student discount
  6. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  7. Keep your driving record clean and free of tickets and at-fault accidents. You might qualify for a good driving or accident free discount
  8. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  9. Take a defensive driving course from an accredited driving school
  10. Shop around and compare affordable Glendale car insurance quotes

Sources:

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