Best Auto Insurance Rates in Glendale, Arizona

Compare Auto Insurance in Glendale

Wednesday, January 9 2019 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.

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.

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.

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.

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.

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, 23 percent of the major streets near Glendale are in poor condition.  Costing residents $550 a year in vehicle operating costs and repairst.

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 can add points to your driver's history. This is no surprise, but too many tickets will wreck your budget. That's because tickets can remain on your driving record for three years. If you get a lot of tickets in a short period, your insurer could take notice and change your status from preferred to non-standard. This is a category reserved for for high-risk drivers who pay the most for insurance coverage.

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.

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.

Drunk Driving Accidents and Fatalities

Glendale Police reported 199 car crashes in 2017 where alcohol was a factor. These DUI crashes caused 120 injuries and ten fatalities.

Car Accident Statistics

Glendale recorded 5,483 motor vehicle crashes in 2017 resulting in 1,376 injuries.

Traffic Fatalities

Glendale experienced 21 fatal crashes in 2017 resulting in 23 fatalities. While all traffic deaths are tragedies, Glendale has an estimated population of 246,709. This makes it a safe city in terms of traffic fatalities.

Vehicle Theft Rates

Glendale officials reported 1,163 vehicle thefts in 2017. This is a rate of 4.71 thefts per 1,000 residents. This is nearly twice the national rate of 2.37 thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to drivers in Glendale, AZ.

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 20%
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. Keep your driving record clean and free of tickets and at-fault accidents. You might qualify for a good driving or accident free discount
6. Take a defensive driving course from an accredited driving school

Sources:

• Arizona Motor Vehicle Crash Facts - 2017
• Glendale Arizona Crime Rates
• United States Census Bureau - Glendale, AZ

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