Cheap Car Insurance in Glendale, AZ

Glendale offers sunny days, outdoor fun, and walkable neighborhoods, making it one of Arizona’s most active cities. With temperatures over 110 degrees in summer, residents cool off at pools, amusement parks, and lakes. The city also boasts major sports and entertainment venues like State Farm Stadium and Gila River Arena.

Glendale’s Arrowhead neighborhood has the highest concentration of millionaires in Arizona. For those with a sweet tooth, the city’s Chocolate Affaire festival, sponsored by Cerreta Candy Company, features a 300-pound chocolate heart. If antiques are more your style, Glendale, known as “Arizona’s Antique Capital,” offers numerous antique shops and events.

Glendale is largely car-dependent, and motorists in Arizona are required to have an active car insurance policy. Driving without insurance is punishable by fees and license suspension. Learn about affordable car insurance in Arizona,  including average rates and minimum insurance requirements.

Insurance costs in Glendale vary by coverage type. Drivers pay around $54 monthly for state minimum liability and $170 for full coverage. These rates are lower than Arizona’s averages of $68 and $229 and below national averages of $65 and $223.

What Does It Mean if Arizona Is an At-Fault State?

Arizona is an “at-fault” state, which means the person whose actions caused the car accident is responsible for paying for the damages and injuries that resulted from the accident.

Your liability insurance will kick in to help you pay for any injuries or damages you cause in an at-fault accident. If you are not at fault, the other driver’s insurance will help pay for your medical costs and repair bills. In some cases, it may be determined that both drivers were at fault, for example, if one driver was speeding and one driver ran a red light. In these situations, both drivers could be assigned a percentage of fault.

This is usually determined in a court of law if the wreck fault is not cut and dried.

Driving conditions directly impact insurance rates due to the number of claims filed, the amount of traffic on roadways, and other factors affecting risk.

How Many Fatal Accidents Happen in Glendale?

In 2022, there were 41 fatal accidents in Glendale involving 64 vehicles. The accidents resulted involved 89 people, including 17 pedestrians.

How are the Road Infrastructure and Bridges in Glendale?

The City of Glendale’s Transportation Department maintains its 770 miles of roadways, and the Arizona Department of Transportation maintains state roads and bridges in Glendale.

Glendale road repairs include crack sealing, surface sealing, and general upkeep. Extreme heat accelerates road damage, causing cracks and potholes. High temperatures can delay repairs in summer as treatments may not set properly, even at night.

All Arizona drivers are required to carry the following minimum liability coverages.

Driving without insurance in Arizona can lead to costly fines, license suspension, and increased insurance premiums. Your penalties for driving without insurance in Glendale will depend on whether you’re a repeat offender.

Penalties for failing to show proof of insurance in Arizona include the following fines and punishments.

Your age and location aren’t the only demographic factors determining your insurance rates. Underwriters use the following factors when calculating car insurance premiums.

Arizona road temperatures can rise to 180 degrees on a hot day. These extreme temperatures can cause roads to crack and buckle, leaving obstacles that can cause accidents. During the hottest periods, roads are too hot for roadway substances to adhere to and cure properly, making it impossible for road crews to conduct repairs until temperatures cool.

Hot roads can cause overheating, battery issues, and tire problems for Arizona drivers. Fluids evaporate faster, requiring more frequent maintenance. Check tire pressure, monitor engine temperature, and inspect your battery regularly. Keeping up with these tasks helps your car handle the heat.

Various car insurance discounts can help you save money on car insurance in Glendale. The most commonly used insurance discounts include the following.

Reach out to your insurance provider routinely to inquire about available discounts or updates that can help you reduce your insurance costs. Scheduling an annual or semi-annual meeting will ensure you have the most updated information about lowering your insurance costs.