Car Insurance in Glendale
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Car Insurance in Glendale, AZ
Glendale is known for its electric sports and entertainment scene, with venues like State Farm Stadium and Gila River Arena. It's a lively suburban spot with easy access to Phoenix. Whether you're catching a game or navigating busy streets, having good car insurance is key. Arizona mandates a minimum for car insurance: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. It's the legal minimum to drive in the state, offering some financial safety in case of an accident. For minimum coverage, Glendale residents pay an average of $648 per year. Full coverage averages around $2,941 annually.
In Glendale, younger drivers aged 22 to 29 pay higher premiums for full coverage, averaging $5,719 annually due to their higher risk for accidents. Drivers aged 30 to 59 pay about $2,790 annually, and those aged 60+ pay around $2,299 annually. Credit scores can also significantly impact premiums. For instance, those with excellent credit pay around $2,143 annually, whereas poor credit holders might pay up to $4,505 annually.
How much is car insurance in Glendale, AZ?
Car insurance costs in Glendale can vary widely based on the coverage options you choose. Below is an overview of the average prices for the three most common types of coverage in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Glendale?
Determining insurance costs for each car make, model, and year in the city can be challenging. However, if you're interested in newer models that generally have lower insurance premiums, here are the top 10 most affordable car makes and models to consider in Glendale:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $187 |
| 2 | Honda Cr-V | $188 |
| 3 | Dodge Grand Caravan | $195 |
| 4 | Toyota Rav4 | $200 |
| 5 | Kia Sedona | $200 |
| 6 | Toyota Corolla | $200 |
| 7 | Ford Escape | $205 |
| 8 | Honda Odyssey | $206 |
| 9 | Kia Sol | $207 |
| 10 | Toyota Tacoma | $208 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving record is a major factor in determining your car insurance rates. Events such as minor accidents, major collisions, speeding tickets, DUIs, or hit-and-runs can all drive up your premiums. Below is a summary of how insurance costs in Glendale may change based on common claims and violations, ranked from least to most severe:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| Not at-fault Accident | $200 | +0% |
| None | $200 | +0% |
| Driving with expired registration | $252 | +26% |
| Speeding Ticket | $253 | +27% |
| At-fault Accident | $300 | +50% |
| Driving with a suspended license | $311 | +56% |
| DUI | $317 | +59% |
| Hit and Run | $319 | +60% |
What car insurance discounts can I get in Glendale?
In Glendale, there are various discounts available to help reduce your insurance expenses. These include bundling multiple policies, paying your premium upfront, opting for paperless billing, and receiving discounts for loyalty renewals. Below is a ranked list of these options, starting with those that offer the most significant potential savings:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $177 | +$23 |
| Paid in Full | $187 | +$13 |
| Multi-Policy Renters | $192 | +$8 |
| Low Mileage | $193 | +$7 |
| Electronic Funds Transfer | $195 | +$5 |
| Paperless | $197 | +$3 |
| None | $200 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.