The average cost of full-coverage car insurance in Palmdale is $2,078 per year. That's $241 more expensive than the statewide average cost of full coverage car insurance in California. While car insurance rates in Palmdale are higher than the state average, that doesn’t mean drivers in Palmdale can’t still save money on their insurance.
Comparing rates from multiple companies before choosing a policy is the simplest way to save money on your car insurance. Policygenius can help you compare quotes from multiple companies to find an insurance policy that meets your needs.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Palmdale, CA
There are dozens of factors that influence your insurance rates, including your driving history, ZIP code, age, claims history, and the type of car you drive.
Because every company has their own process for setting insurance rates, the same coverage will have different rates with each company. Comparing quotes from multiple companies is the best way to save money on your car insurance — here are the best and cheapest car insurance companies in Palmdale:
Company | Average cost | JD Power Rating |
|---|---|---|
Wawanesa | $1,119 | -- |
GEICO | $1,649 | 874 |
USAA | $1,683 | 890 |
Mercury Insurance | $1,686 | 830 |
National General Insurance | $1,965 | 838 |
Cheapest car insurance rates by ZIP code in Palmdale, CA
One of the most substantial factors insurance companies use to set your rates is your ZIP code. Rates fluctuate from one ZIP code to another based on a number of factors, including:
Number of accidents reported each year
How many traffic tickets are issued
Reported car thefts
Secure parking options
Amount of available street parking
Population density
The number of people in an area is a big factor when setting rates by ZIP code. Because there are fewer people in Palmdale than in larger cities like Los Angeles or San Francisco, drivers are charged less for coverage.
ZIP code | Average cost |
|---|---|
93551 | $1,979 |
93550 | $2,113 |
93552 | $2,143 |
Choosing the right car insurance company in Palmdale, CA
The cheapest available car insurance policy isn’t necessarily the right one for you. The best car insurance policy is the one that meets your needs at an affordable price, which is why our experts at Policygenius help you compare quotes and coverage options from multiple companies.
Car insurance rates for drivers with driving violations in Palmdale, CA
Much like your driver’s license, your driving record contains quite a bit of your personal information, including your height, hair color, license number, etc. It also contains information about any driving violations you may have on your record, including:
Points
DUIs
Fines
Accidents
Tickets
Suspensions
Revocations
The most effective way to avoid paying too much for car insurance is to keep your driving record clean. Having a moving violation or a car accident on your record can raise your rates, while a serious issue like a DUI or reckless driving could potentially cost you an extra $1,000 or more per year on your insurance premiums.
Violation | Wawanesa | GEICO | USAA | Mercury Insurance | National General Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,738 | $3,044 | $2,416 | $2,945 | $2,986 |
DUI | $2,039 | $4,272 | $4,974 | $2,799 | $2,759 |
Suspended license | $1,632 | $3,056 | $3,513 | $2,799 | $2,834 |
Open container | $2,039 | $4,272 | $3,735 | $2,799 | $2,114 |
Expired registration | $1,632 | $2,754 | $1,894 | $2,240 | $2,114 |
Driving without lights | $1,632 | $2,754 | $1,728 | $2,240 | $2,114 |
Running a red light | $1,632 | $2,754 | $1,894 | $2,240 | $2,114 |
Following too closely | $1,632 | $2,754 | $1,894 | $2,240 | $2,114 |
Hit and run | $2,039 | $3,056 | $3,979 | $2,799 | $2,834 |
Not-at-fault accident | $1,153 | $1,680 | $1,728 | $1,700 | $2,017 |
Passing a school bus | $1,632 | $2,754 | $2,549 | $2,240 | $2,114 |
Reckless driving | $2,039 | $3,056 | $2,988 | $2,799 | $2,834 |
Speeding | $1,632 | $2,632 | $1,894 | $2,240 | $2,114 |
Cheapest car insurance for drivers with a DUI in Palmdale, CA
Palmdale drivers pay higher-than-average car insurance rates, and drivers with a DUI or DWI are no exception. The average annual cost for car insurance in Palmdale is $2,078 per year, but a DUI can raise your rate to $5,223 per year or more, which is massive 151% higher than the rates for drivers with a clean driving history.
But drivers with a DUI can still save money on their car insurance by comparing rates between multiple companies. Our research shows that the companies in Palmdale with the lowest rates for drivers with a DUI are Wawanesa, National General, and Mercury Insurance.
Company | Rates for drivers with DUIs |
|---|---|
Wawanesa | $2,039 |
National General Insurance | $2,759 |
Mercury Insurance | $2,799 |
GEICO | $4,272 |
USAA | $4,974 |
Cheapest car insurance for drivers with a speeding ticket in Palmdale, CA
Getting a speeding ticket in Palmdale will also raise your rates, where the average cost of insurance for a driver with a speeding ticket is $2,788 per year.
Our research shows that Wawanesa, USAA, and National General offer the lowest rates for drivers with a speeding ticket in Palmdale.
Company | Rates for drivers with speeding tickets |
|---|---|
Wawanesa | $1,632 |
USAA | $1,894 |
National General Insurance | $2,114 |
Mercury Insurance | $2,240 |
GEICO | $2,632 |
Cheapest car insurance for drivers with bad credit in Palmdale, CA
California is one of only a small handful of states that don’t use your credit score when setting your insurance rates, including Hawaii, Massachusetts, Michigan and Washington. This means that California residents with a low credit score won’t see an increase in their rates, but it also means that people with a high score won’t receive a discount on their insurance.
Buying car insurance in Palmdale, CA
California law requires all drivers to carry some form of liability insurance, including:
Cash deposit of $35,000 with DMV
DMV-issued self-insurance certificate
Surety bond for $35,000 from a company licensed to do business in California
Motor vehicle liability insurance policy
The vast majority of drivers in California choose to carry at least the state minimum levels of liability insurance, which are:
$15,000 per person/$30,000 per accident for bodily injury liability
$5,000 for property damage liability
The state minimum levels of liability insurance are enough to fulfill your legal obligations, but those limits often aren’t enough to cover the amount of damage caused in an at-fault accident. To make sure you are financially protected in an accident, it is important to carry the highest levels of liability coverage that you can afford.
In addition to high levels of liability, drivers who can’t afford to repair or replace their car after an accident should also purchase comprehensive and collision coverage. These coverages protect you financially if you are at fault in an accident, but they can also step in to pay for damage to your vehicle if you are hit by an uninsured motorist or your car is damaged or stolen.
How to get cheap car insurance in Palmdale, CA
Most insurance companies offer a wide variety of discounts, including:
Safe driver discount
Accident free discount
Low mileage discount
Military discount
Good student discount
Bundling discount
Group/employer/professional discount
If the cost of car insurance would be a financial hardship, you may be eligible to apply for California’s Low Cost Auto Insurance program.
Frequently asked questions
Who has the cheapest car insurance in Palmdale, California?
Our research shows that Wawanesa has the lowest rates in Palmdale, but insurance rates are based on a number of factors that are unique to you. The best way to find out who has the lowest insurance rates in the state is to compare quotes between multiple companies.
How much is car insurance each month in Palmdale?
The average cost of car insurance in Palmdale is $173 per month, or $2,078 per year. Compared to the average cost in California, insurance in Palmdale is slightly more expensive.
Why is car insurance so expensive in Palmdale?
Rates in Palmdale are higher than some of the other cities in California. Rates in any given area are based on a number of factors, including the number of accidents and moving violations, car theft, and population density.
What happens if you drive without insurance in Palmdale?
If you're caught driving without car insurance in Palmdale, you can be fined, have your license suspended, and your car might be impounded. You'd also have to pay a fee to reinstate your license and retrieve your car. Finally, your insurance would get more expensive in the future.
