The average cost of insurance rates in Glendale, Arizona, is $745 for minimum coverage annually, and $1,847 for full coverage, according to Bankrate’s 2021 study of quoted annual premiums. The premiums also reveal that sometimes the best car insurance companies in Glendale are not always the cheapest, but offer many advantages.
Bankrate reviewed several attributes, in addition to cheap rates, to find which carriers offer the largest number of coverage options, best discounts, overall customer satisfaction and financial strength. Digital assets were also examined, which determines how easy policy management is on a daily basis.
Best car insurance companies in Glendale
There are a number of carriers available in Glendale, however to be considered as a top choice a carrier should offer both competitive rates and high customer satisfaction. Other factors such as digital assets, coverage options and discounts are all important considerations too.
|Insurance company||J.D. Power score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
Geico offers drivers in Glendale the least expensive rates among the carriers reviewed. Not only is Geico the second largest provider of insurance in the U.S., but it ranks near the top for overall customer satisfaction with J.D. Power in the Southwest. Geico offers a decent number of policy coverage options, but the range of discounts is larger. Savings are possible with multi-policy, paying in full and members of the military, to name a few.
Learn more: Geico Insurance Review
Members of the military, veterans and immediate family members may apply for coverage with USAA. If eligibility requirements are met, policyholders have access to standard and optional coverage selections, such as rideshare and rental car reimbursement. The discounts are impressive too, with ones available such as multi-policy and discounts based on years as a policyholder with USAA.
Learn more: USAA Insurance Review
Mercury insurance offers a full range of coverages, including rideshare and rental car reimbursement. Discounts are available too and there are many to choose from. Discounts such as setting up auto-pay, using an e-signature and paying in full are all easy ways to save additional money on premiums. Although you can not file a claim via the app, like most other national carriers allow, you do have access to 24/7 claims filing with a customer service hotline.
Learn more: Mercury Insurance Review
Nationwide features a long list of coverage options and provides the most of the carriers on this list. In addition to standard coverages, you can add extras to your policy such as accident forgiveness, a vanishing deductible and a total loss deductible waiver. Numerous discounts such as good student and paying in full make it possible to save even further on premiums.
Learn more: Nationwide Insurance Review
Cheapest car insurance in Glendale
Glendale drivers pay an average of $745 annually for a minimum coverage policy, and $1,827 for full coverage. This is about 9% higher than the national average of $1,674 for annual full coverage.
Geico, USAA, Mercury, Nationwide and Travelers all not only offer competitive rates for drivers in Glendale, but each of the carriers achieve a minimum of an A rating through AM Best, highlighting the financial strength of each. These particular carriers also offer a variety of coverage and discount options, giving you multiple chances to customize the policy. Another commonality with these five carriers is each one has a highly-rated mobile app for complete policy management. Whether you need to make updates to your policy or summon roadside assistance, you can do it all on your smartphone.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Glendale insurance requirements
Like almost everywhere else, Arizona requires drivers to carry minimum liability coverage of 25/50/15. If you choose not to purchase the minimum, you could face suspension of your vehicle registration or driver’s license. The mandatory minimums include:
- $25,000 for bodily injury liability coverage per person
- $50,000 for bodily injury liability coverage per accident
- $15,000 for property damage liability coverage per accident
Only purchasing the minimum coverage could mean higher out of pocket costs for you, even financial hardship, if you are ruled at-fault in an accident or hit by an uninsured motorist. A more comprehensive policy offers better financial protection. You may also find if you lease or finance your vehicle you will be required to purchase comprehensive and collision coverage, and possibly gap insurance too.
Car insurance discounts in Glendale
While car insurance rates in Glendale tend to average higher than the national average, saving on premiums is still possible by taking advantage of discounts offered. Most carriers offer a wide range, many of which include:
- Multi-policy: When you purchase your auto insurance through the same carrier as your homeowners or renters insurance, you may be rewarded with discounted premiums.
- Safe driver: If you allow your driving habits to be monitored via an app or telematics device, depending on the results you may be eligible for further savings.
- Military/club affiliation: If you are a member of the military, a member of an alumni group or qualifying club, there are discounts you may be eligible for simply by being a member.
- Claims-free: Staying claims or accident free for a certain time period usually earns you a reward in the form of discounted premiums.
Not only are discounts a fantastic way to save, but there may be other options available for savings. Comparing multiple carriers is one way to ensure you are indeed receiving the lowest rates based on your information. Another strategy is to keep your deductible higher, if you have collision and comprehensive coverage. By taking on the higher out of pocket costs if you have a claim, you will pay less in premiums.
Frequently asked questions
What is the best car insurance company in Glendale?
To find the best car insurance for your wallet and lifestyle, there are multiple points to consider. Not only are rates important, but so are high customer satisfaction ratings, the financial strength of a company, the digital assets available and coverage options. Bankrate has reviewed these aspects, and others, and found Geico, USAA and Amica are strong options worth considering.
How much does car insurance in Glendale cost?
The average cost of car insurance in Glendale is $745 annually for a minimum coverage policy, and $1,827 for full coverage. However, you should keep in mind your exact rates may be higher or lower depending on a number of factors. These factors include your age, zip code, driving history, vehicle and miles driven, which are all used to determine specific rates.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.