Best cheap car insurance in Glendale for 2021

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Allstate’s annual report of the 200 cities with the safest drivers in the country included Glendale — but for the wrong reasons. The California city is at the bottom of the list at #196. The city is adjacent to Los Angeles and its roads and main highway (the 134) are regularly congested. These factors are just a couple of the reasons that the average annual cost of car insurance in Glendale is $1,193 for minimum coverage and $3,190 for full insurance.

Car insurance rates in Glendale for full coverage are nearly triple on average what U.S. drivers pay. Drivers who lease their vehicle or have financed it may not have a choice but to purchase a liability, collision and comprehensive insurance package because the lender or dealer requires it. There are ways, though, to find lower rates when you know how (and where) to find the best car insurance in Glendale.

Best car insurance companies in Glendale

To find the carriers providing the best and cheapest car insurance in Glendale, we analyzed premiums collected from Quadrant Information Services. We also compared customer satisfaction scores from J.D. Power and policy options from dozens of insurance companies operating in Southern California to bring you our picks of the five best car insurance companies in Glendale.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
AAA 848 / 1,000 $810 $2,568
Geico 828 / 1,000 $918 $2,694
Mercury NR $1,017 $2,521
State Farm 818/1,000 $1,021 $3,039

AAA

AAA members that signed up for quality roadside assistance can also take advantage of the club’s vehicle insurance. It is the second-cheapest car insurance on our list, at $810 per year for minimum coverage and $2,568 per year for full. Insurance rates are among the cheapest, but the membership fee may prevent you from earning sizable savings depending on your budget. AAA’s annual membership fee for Glendale residents is between $56 and $119 per year.

Geico

Geico is one of the largest car insurance companies in the country. The carrier successfully balances cheap car insurance in Glendale with good customer service, earning high ratings and loyal customers. Geico’s affiliation discounts for professionals and large employers sets the carrier apart. If you work for one of the top employers in Glendale such as ACCO, Dreamworks or Avery Dennison, check with your HR department to see if they have partnered with Geico.

Mercury

Mercury is traditionally known as a no-frills car insurance company specializing in affordable coverage for hard-to-insure vehicle owners. You will find standard vehicle insurance options for minimum and full coverage, as well as rideshare insurance if you have a side gig driving or delivering for companies including Uber, Postmates and Lyft. Mercury’s average rates of $1,017 per year for minimum coverage and $2,521 per year for full coverage are higher than the other carriers, but when you take into account that the company typically insures young adults, first-time vehicle owners or those who require an SR-22, rates are relatively inexpensive.

State Farm

State Farm is the largest auto insurer in the country, is financially stable and consistently gets decent marks for customer satisfaction from J.D. Power. The company has a wide network of local agents if you prefer to do your insurance business in person, and it also offers a significant number of policy discounts to potentially help you save money on your premium. Its rate increases for drivers who have had an accident are also lower than many other auto insurance companies, on average.

Cheapest car insurance in Glendale

Glendale’s average premium of $3,190 per year for full car insurance is much higher than the average annual cost of $2,065 in California and $1,674 for the U.S. Choosing the right carrier is a good start to lowering your rates. Take a look at how the major insurance companies that operate in Glendale compare when it comes to premiums.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
AAA $810 $2,568
Geico $918 $2,694
Mercury $1,017 $2,521
State Farm $1,021 $3,039
Travelers $1,048 $2,707

Choosing AAA is cost-effective if you already have membership and regularly take advantage of the club’s travel services and roadside assistance. Otherwise, the annual membership fee may push you past Geico’s rate of $918per year for minimum coverage and$2,694 per year for full coverage.

Mercury is a good option if you have moving violations or accidents that are seriously impacting your premiums. For the ultimate in vehicle coverage options, look into State Farm or Travelers for options such as new car replacement, gap insurance, rideshare coverage and accident forgiveness.

Glendale insurance requirements

Glendale drivers should follow the State of California’s requirements for liability insurance with minimums of:

  • $15,000 in death/bodily injury per person
  • $30,000 in death/bodily injury per accident
  • $5,000 in property damage per accident

Uninsured and underinsured motorist coverages must be offered by car insurance companies in California but can be declined by the policyholder.

California residents can also satisfy the minimum insurance requirement law by providing a cash deposit of $35,000 to the DMV or showing a surety bond for $35,000 from a company licensed to issue bonds in California.

However, the minimum amount of coverage could leave you paying out of pocket for more than you expected. In case of a serious accident, $5,000 may not be enough for repairs to another vehicle. In addition, liability insurance does not provide any reimbursement for damages to your vehicle. That is why lenders and leasing companies require drivers who finance a vehicle to carry full car insurance well above the state minimum.

Car insurance discounts in Glendale

Once you find the cheapest carrier with the coverage options you like, check and see if the following discounts are available. Additionally, rates may be lower than our quoted premiums if you are able to qualify for a discount or multiple discounts. They could save you more on your Glendale car insurance premiums:

  • Defensive driving course: Brushing up on your driving skills to brave the 134 highway may also help you save money. Passing an approved defensive driving course can be achieved online over a day or two.
  • Safety equipment: If you own a newer vehicle equipped with the latest safety tech such as advanced airbags or a driver assistance system, you may qualify for a discount.
  • Telematics: Some carriers offer a driver tracking program that analyzes your driving to lower your premiums. Low mileage and defensive drivers may earn the biggest savings.
  • Multi-car: The typical Glendale household owns at least two vehicles. A single policy for your vehicles may save you some money.

Frequently asked questions

What is the best car insurance company?

The best car insurance company varies based on the driver. For the cheapest car insurance in Glendale, AAA and Geico have the lowest rates according to Quadrant Information Services and Bankrate’s quoted premiums. For award-winning service, USAA should be on your shortlist of carriers if you qualify for membership. Otherwise, if you are in search of vehicle coverage options, check out what State Farm has to offer.

How much does car insurance in Glendale cost?

Car insurance in Glendale is much higher than the state average when it comes to full coverage. The average cost of car insurance in Glendale is $1,193 per year for minimum coverage and $3,190 per year for full insurance. In comparison, Bankrate found that California’s average rate for full car insurance is $2,065 annually.

Methodology

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 sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Insurance Editor