Auto Insurance in Glendale, AZ : All You Should Know

Auto insurance in Glendale, Arizona is on the high side but at the end of the day it is necessary that you take the step for your own good

Auto Insurance in Glendale Arizona

With a population of over 250,000 people, Glendale, Arizona, is one of the largest cities in the Phoenix metropolitan area. The city comprises of historical districts, suburban areas, large sports stadiums, nature parks, etc.

Auto Insurance in Glendale, Arizona

If you stay in Arizona you really need auto insurance especially because of the monsoons that cause flash floods in summer. Apart from that, it is a wise move to insure your car against accidents, and other unforeseen occurrence.

One thing you should know is that auto insurance in Glendale, Arizona is kind of on the high side when compared to surrounding areas, but at the end of the day it is necessary that you take the step for your own good.

Auto Insurance: Glendale Rates vs. State + National Averages

For those in Glendale, about $1724 annually is the auto insurance rate. The cost for state is about $1470 so that means that the rate for Glendale is higher by $254. The average cost for national is $1548 so once again we see that the rate of Glendale is higher by $176.

As we already pointed out, the auto insurance costs in Glendale is on the hogh side. This is as a result of the crime rates and the higher population.

Glendale Auto Insurance Costs by Insurer

It is highly advised that you take careful considerations before settling for a particular insurer and policy.

There are various insurance companies for you to choose from and if you select the one that is best suited for your needs, you will be really glad you did. One of the insurers with really low rates is GEICO.

Other insurance companies that offer good rates that you can check out include; State Farm, USAA, American Family and Progressive.

  • GEICO: $896
  • USAA: $1196
  • State Farm: $1710
  • Progressive: $1868
  • American Family: $1947

Auto Insurance Premiums by Driver Age in Glendale

Age plays a very important rate in determining your annual car insurance premiums. Teenagers attract the highest rate and this is about $4844 more than what some one in their 20s will be charged.

With about $1540 annually, drivers in their 50s stand as the age group with the lowest auto insurance rate annually in Glendale. Drivers in their 60s pay about $200 more than those in their 50s.

Those in their 30s pay about $1692 per year, and drivers in their 40s are charged about $1649 annually.

Glendale Auto Insurance Premiums by Gender & Marital Status

Another factor that comes into play in determining your auto insurance premium is your gender and marital status. You may wonder why this is so and the answer is that the general assumption among insurers is that married drivers are more financially stable, lower risk customers.

So if you are a single driver you will be charged about $135 more than a married driver. Widows are not charged as much as the single drivers.

Another factor that we pointed out is gender. However, the difference in auto insurance cost based on gender is not that much as women are charged just about $33 more.

Average Glendale Insurance Rates After a Violation or Accident

Your driving record is a very necessary factor that is put into consideration in deciding your premium rate. If you have a clean driving record, you will not be charged as much as someone who has multiple speeding tickets, at-fault traffic accidents, DUIs, and other driving convictions.

It makes sense that better and safe drivers are given low rates by insurers, seeing that they will file fewer claims unlike one that gets into various forms of driving violations.

In Glendale, different road violations will definitely result in a spike in your auto insurance. A speeding ticket will cause an increase of about $465, reckless driving will result in a spike of about $765, and a DUI will result in you being charged $858 more.

Glendale Auto Insurance Premiums by Credit Tier

If you didn’t know that your credit score has a big role to play in the determination of your auto insurance rate, well now you do. Drivers with poor credit rating get higher insurance rates, while those with good credit score get better deals.

However, there is room for credit score to be improved and should you do so you will receive discounts and a decrease in your premium rate. If you move your credit score from “Very Poor” to “Fair” it can get you a decrease of about $1774 annually, and moving your credit rating from “Very Poor” to “Exceptional” can get you a discount of upto 64%.

Expensive Glendale Zip Codes

Another major factor that is put into consideration when deciding your premium rate is your location. If you stay in a location where there is much traffic, and high crime rate, your rate will be higher.

The rationale for this is quite simple. People staying in such areas face a higher risk and will most likely file more claims and as such the premium has to be commensurate with that.

The disparity in auto insurance costs that is caused by location is really significant and can get up to several hundred dollars.

Some of the most expensive zip codes with regards to auto insurance in Glendale include; 91201, 91203 as well as 91205.

Cheaper Glendale Zip Codes

Just as more populated areas with higher crime rates attract higher charges, more peaceful areas are cheaper. So if you live in an area that is somewhat peaceful and is not over populated, you will enjoy cheaper and more affordable auto insurance rates.

Examples of Zip codes in Glendale with cheaper auto insurance include; 85345, 85308 as well as 85382.

List of Insurance Companies in Glendale

There are a lot of insurance companies in Glendale that you can make your choice from. It is highly advised that you carry out your research and know more about the company you wish to get your policy from.

It is in your best interest that you carefully make this consideration, do not be in too much of a hurry so that you don’t regret it along the way.

Examples of some insurers in Glendale that you can check out are Travelers, USAA, Hartford, State Farm, American Family, Mercury, amongst others. By the time you are done checking out these companies, you will surely find one that suits your needs.


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