Best Palm Desert, CA Car Insurance in 2024
Car insurance in Palm Desert, CA averages $288 a month. Palm Desert, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Palm Desert car insurance rates, compare quotes from the top car insurance companies in Palm Desert, CA.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Palm Desert, CA are $3,453/year
- Average car insurance rates in Palm Desert, CA after a DUI are $4,859/year
- The cheapest ZIP code in Palm Desert is 92211
If you need to buy Palm Desert, California car insurance, the options can be confusing. Everything you need to know about car insurance in Palm Desert, CA is right here.
You’ll find Palm Desert car insurance rates, the cheapest Palm Desert, CA car insurance companies, and information on California car insurance laws. You can also compare Palm Desert, California car insurance rates to Long Beach car insurance rates, Los Angeles car insurance rates, and Fresno car insurance rates.
Ready to find affordable Palm Desert, CA car insurance today? Enter your ZIP code for fast, free Palm Desert car insurance quotes.
Cheapest Palm Desert, CA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Palm Desert, CA car insurance rates? Every Palm Desert, California car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Palm Desert, California
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,822 | $2,852 | $2,033 | $2,085 | $7,596 | $9,617 | $3,705 | $4,180 |
| Farmers | $2,592 | $2,592 | $2,336 | $2,336 | $8,226 | $13,457 | $3,067 | $3,412 |
| Geico | $1,681 | $1,682 | $1,581 | $1,581 | $5,099 | $5,192 | $2,412 | $2,470 |
| Liberty Mutual | $1,930 | $1,824 | $1,793 | $1,736 | $4,118 | $4,403 | $2,167 | $2,197 |
| Nationwide | $3,107 | $2,970 | $2,711 | $2,559 | $7,821 | $8,646 | $3,703 | $3,666 |
| Progressive | $1,857 | $1,909 | $1,583 | $1,874 | $4,976 | $5,975 | $2,674 | $2,870 |
| State Farm | $2,926 | $2,926 | $2,614 | $2,614 | $5,407 | $6,734 | $3,236 | $3,333 |
| Travelers | $2,271 | $2,202 | $2,006 | $1,985 | $4,635 | $5,284 | $2,932 | $2,879 |
| USAA | $1,879 | $1,782 | $1,833 | $1,842 | $4,271 | $4,295 | $2,598 | $2,457 |
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Minimum Car Insurance in Palm Desert, CA
Every driver must carry the minimum car insurance in Palm Desert, CA. Take a look at the California car insurance requirements.
Minimum Required Car Insurance Coverage in Palm Desert, California
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest Palm Desert, CA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Palm Desert, CA to rates for a clean record with top companies.
Annual Palm Desert, California Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,606 | $4,455 | $6,947 | $3,437 |
| Farmers | $3,515 | $4,785 | $5,959 | $4,750 |
| Geico | $1,897 | $2,924 | $3,673 | $2,354 |
| Liberty Mutual | $2,187 | $2,931 | $2,648 | $2,318 |
| Nationwide | $3,069 | $3,933 | $6,656 | $3,933 |
| Progressive | $1,941 | $3,305 | $3,812 | $2,801 |
| State Farm | $2,659 | $3,170 | $5,983 | $3,085 |
| Travelers | $2,035 | $3,280 | $3,812 | $2,970 |
| USAA | $1,741 | $2,589 | $4,241 | $1,907 |
Cheapest Palm Desert, CA Car Insurance for Teen Drivers
Teen car insurance in Palm Desert, CA can be expensive. Take a look at rates from the top car insurance companies in Palm Desert for teenagers.
Annual Car Insurance Rates for Teen Drivers in Palm Desert, California
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,596 | $9,617 |
| Farmers | $8,226 | $13,457 |
| Geico | $5,099 | $5,192 |
| Liberty Mutual | $4,118 | $4,403 |
| Nationwide | $7,821 | $8,646 |
| Progressive | $4,976 | $5,975 |
| State Farm | $5,407 | $6,734 |
| Travelers | $4,635 | $5,284 |
| USAA | $4,271 | $4,295 |
Cheapest Palm Desert, CA Car Insurance for Seniors
Take a look at Palm Desert, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Palm Desert, California
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,033 | $2,085 |
| Farmers | $2,336 | $2,336 |
| Geico | $1,581 | $1,581 |
| Liberty Mutual | $1,793 | $1,736 |
| Nationwide | $2,711 | $2,559 |
| Progressive | $1,583 | $1,874 |
| State Farm | $2,614 | $2,614 |
| Travelers | $2,006 | $1,985 |
| USAA | $1,833 | $1,842 |
Cheapest Palm Desert, CA Car Insurance Rates After a DUI
A DUI in Palm Desert, CA increases car insurance rates. Compare Palm Desert, California DUI car insurance by company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Palm Desert, California
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $6,947 |
| Farmers | $5,959 |
| Geico | $3,673 |
| Liberty Mutual | $2,648 |
| Nationwide | $6,656 |
| Progressive | $3,812 |
| State Farm | $5,983 |
| Travelers | $3,812 |
| USAA | $4,241 |
Cheapest Palm Desert, CA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Palm Desert, CA by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Palm Desert, California
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,936 | $4,786 |
| Farmers | $4,312 | $5,193 |
| Geico | $2,464 | $2,960 |
| Liberty Mutual | $2,313 | $2,729 |
| Nationwide | $3,886 | $4,910 |
| Progressive | $2,685 | $3,244 |
| State Farm | $3,586 | $3,862 |
| Travelers | $2,724 | $3,324 |
| USAA | $2,414 | $2,825 |
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Cheapest Palm Desert, CA Car Insurance Rates by ZIP Code
Palm Desert car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Palm Desert, CA.
Annual Car Insurance Rates by ZIP Code in Palm Desert, California
| ZIP Code | Average Annual Rates |
|---|---|
| 92211 | $4,585 |
| 92260 | $4,724 |
The Best Cheap Car Insurance Companies in Palm Desert, CA
Take a look at a side-by-side comparison of the top car insurance companies in Palm Desert, CA to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Palm Desert, California
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,361 |
| Farmers | $4,752 |
| Geico | $2,712 |
| Liberty Mutual | $2,521 |
| Nationwide | $4,398 |
| Progressive | $2,965 |
| State Farm | $3,724 |
| Travelers | $3,024 |
| USAA | $2,620 |
Category Winners: Cheapest Car Insurance in Palm Desert, California
Find the cheapest car insurance companies in Palm Desert, CA for each category right here.
Best Annual Car Insurance Rates by Company in Palm Desert, California
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Geico |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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Cheapest Palm Desert, CA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Palm Desert car insurance rates. Find the cheapest Palm Desert, CA car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Palm Desert, California
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,182 | $4,391 | $4,511 |
| Farmers | $4,418 | $4,788 | $5,051 |
| Geico | $2,452 | $2,741 | $2,943 |
| Liberty Mutual | $2,344 | $2,541 | $2,678 |
| Nationwide | $3,954 | $4,470 | $4,770 |
| Progressive | $2,638 | $3,063 | $3,193 |
| State Farm | $3,301 | $3,798 | $4,073 |
| Travelers | $2,640 | $3,106 | $3,327 |
| USAA | $2,379 | $2,670 | $2,810 |
What affects car insurance rates in Palm Desert, California?
What factors can have an impact on Palm Desert, CA car insurance? There are several reasons why Palm Desert car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Palm Desert, California.
Car Theft in Palm Desert
High levels of vehicle theft can make car insurance more expensive. Palm Desert, CA car theft statistics from the FBI indicate 130 vehicle thefts a year.
Commute Time in Palm Desert
The more time you spend in your car the higher the risk of an accident. The average commute length in Palm Desert, CA is 19.1 minutes according to City-Data.
Compare Car Insurance Quotes in Palm Desert, CA
Ready to find affordable Palm Desert, California car insurance today? Enter your ZIP code for fast, free Palm Desert, CA car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I compare car insurance rates in Palm Desert, CA?
To compare car insurance rates in Palm Desert, CA, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, including the make, model, year, and any safety features it may have.
- Research insurance providers: Look for reputable insurance companies that offer coverage in Palm Desert, CA.
- Obtain quotes: Contact insurance providers directly or use online insurance comparison websites to request quotes for your specific vehicle and coverage needs.
- Compare coverage options: Review the coverage limits, deductibles, and any additional features or benefits offered by each insurance company.
- Consider your needs and budget: Determine which insurance policy offers the best coverage and fits within your budget.
- Purchase your chosen policy: Once you have made a decision, contact the insurance company to purchase the policy.
What factors affect car insurance rates in Palm Desert, CA?
Several factors can influence car insurance rates in Palm Desert, CA, including:
- Age and driving experience of the primary driver
- Location where the vehicle will be primarily driven and parked in Palm Desert, CA
- The make, model, and year of the vehicle
- Safety features and anti-theft devices installed in the car
- Annual mileage and usage of the vehicle
- Driving record and claims history of the primary driver
- Credit history (in some cases)
- Coverage options and deductibles selected
Are car insurance rates higher in Palm Desert, CA compared to other areas?
Car insurance rates can vary based on location, and rates in Palm Desert, CA may be influenced by factors specific to the area. Factors such as population density, traffic patterns, local crime rates, and the frequency of accidents in Palm Desert, CA can impact insurance rates. It’s recommended to obtain quotes from insurance providers to get an accurate idea of car insurance rates in the area.
Can I get discounts on car insurance in Palm Desert, CA?
Yes, it is possible to obtain discounts on car insurance in Palm Desert, CA. Insurance companies often offer various discounts to policyholders. Some common discounts that might be available include:
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance.
- Safe driver discount: If you have a clean driving record without any accidents or violations.
- Anti-theft device discount: If your vehicle is equipped with anti-theft devices or features.
- Safety feature discount: If your car has safety features like airbags, anti-lock brakes, or electronic stability control.
- Good student discount: If you or a household member who drives the car is a full-time student with good grades. It’s recommended to inquire about available discounts when obtaining insurance quotes in Palm Desert, CA.
Are there any specific insurance considerations for Palm Desert, CA residents?
While insurance considerations can vary based on individual circumstances, there are a few points to keep in mind for Palm Desert, CA residents when it comes to car insurance:
- California minimum coverage requirements: Make sure you meet the minimum liability coverage requirements set by the state of California.
- Additional coverage options: Consider additional coverage options such as comprehensive, collision, and uninsured/underinsured motorist coverage to provide extra protection.
- Natural disaster risks: Palm Desert, CA is prone to certain natural disasters such as wildfires and earthquakes. Consider appropriate coverage options to protect against these risks. Consult with insurance providers to understand the specific coverage requirements and options available to Palm Desert, CA residents.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.