The best car insurance in Palmdale, CA

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By

Rachael Brennan

Rachael Brennan

Property and Casualty Insurance Expert

Rachael Brennan is a senior insurance editor at Policygenius, specializing in auto insurance. She worked for 21st Century Insurance, BlueCross BlueShield Massachusetts, and HealthPass New York. She also spent two years working as a content expert for dozens of auto insurance websites through 360Quote LLC.

Published October 25, 2021

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The average cost of full coverage car insurance in California is $1,978. This is $136 cheaper than the average cost of insurance in the city of Palmdale, which is $2,114. Car insurance rates in Palmdale are higher than the state average, but that doesn’t mean drivers in Palmdale can’t still save money on their insurance.

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Comparing quotes from multiple companies before choosing a policy is the simplest way to save money on your car insurance. Policygenius can help you compare rates from multiple companies to find an insurance policy that meets your needs.

Key Takeaways

  • Wawanesa has the lowest average rate for full coverage in Palmdale

  • The cheapest ZIP code for car insurance coverage in Palmdale is 93551 at $1,205

  • California’s state minimum liability requirements are $15,000 per person/$30,000 per person in bodily injury liability and $5,000 in property damage liability

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. Rates varying by company is the reason comparing quotes from multiple companies is the best way to save money on your car insurance.

Company

Average cost

JD Power Rating

Wawanesa

$1,277

--

GEICO

$1,649

871

USAA

$1,683

890

Mercury Insurance

$1,686

849

United Financial Casualty Company

$1,987

--

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

93550

$2,140

93551

$2,008

93552

$2,195

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

United Financial Casualty Company

At-fault Accident

$1,996

$3,044

$2,416

$2,945

$4,291

DUI

$2,371

$4,272

$4,974

$2,799

$5,020

Driving with a suspended license

$1,886

$3,056

$3,513

$2,799

$4,566

Driving with an open container

$2,371

$4,272

$3,735

$2,799

$3,985

Driving with expired registration

$1,886

$2,754

$1,894

$2,240

$4,291

Driving without Lights

$1,886

$2,754

$1,728

$2,240

$4,291

Failure to show documents

$1,886

$2,754

$1,894

$2,240

$4,291

Failure to stop at a red light

$1,886

$2,754

$1,894

$2,240

$4,291

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.

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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

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.

Does my gender impact my insurance rates?

In 2003, the state of California made it illegal for insurance companies to base your rates on gender. Several other states have passed similar laws, including Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania.

Who has the cheapest car insurance in California?

Our research shows that Wawanesa has the lowest rates in the state of California, 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.

Methodology

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.