GEICO offers the lowest car insurance rates in Palmdale — $628 per year for minimum coverage and $1,393 annually for full coverage. Other affordable insurers in the city include Progressive, AAA and State Farm.
Car Insurance in Palmdale
Updated: August 10, 2025
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Key Takeaways
Palmdale's cheapest car insurance companies are GEICO, Progressive and AAA, with savings up to 39% compared to the city average.
Monthly car insurance costs in Palmdale average $180 for full coverage and $88 for minimum coverage.
To find the best cheap auto insurance in Palmdale, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Palmdale?
| GEICO | $52 | $116 | -39% |
| Progressive | $70 | $133 | -26% |
| AAA | $73 | $152 | -18% |
| State Farm | $84 | $180 | -4% |
| Wawanesa Insurance | $94 | $177 | -2% |
Compare the Cheapest Palmdale Car Insurance for You
Your car insurance rates depend heavily on your driving history and personal details. Check the table below to find the cheapest insurance provider that matches your driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $116 | $1,393 | -31% |
| Progressive | $120 | $1,440 | -29% |
| State Farm | $124 | $1,485 | -26% |
| AAA | $128 | $1,537 | -24% |
| Wawanesa Insurance | $159 | $1,913 | -5% |
Cheapest Car Insurance by Age Group in Palmdale
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16-25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Palmdale, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: GEICO (from $106 per month)
- Cheapest Car Insurance for Adults: GEICO (from $52 per month)
- Cheapest Car Insurance for Senior Drivers: GEICO (from $57 per month)
Cheapest Car Insurance for Young Drivers in Palmdale
GEICO and State Farm provide the most affordable car insurance rates for young drivers in Palmdale, with monthly premiums starting at $106 and $119 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $106 | $1,273 | -35% |
| State Farm | $119 | $1,428 | -27% |
| Farmers | $128 | $1,539 | -21% |
| Wawanesa Insurance | $130 | $1,563 | -20% |
| AAA | $150 | $1,795 | -8% |
Cheapest Car Insurance for Adult Drivers in Palmdale
In Palmdale, GEICO provides the lowest rates for adult drivers (26 to 64), saving drivers around 40% on average. Progressive and AAA are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $52 | $628 | -40% |
| Progressive | $70 | $838 | -21% |
| AAA | $73 | $873 | -17% |
| State Farm | $84 | $1,006 | -5% |
| Farmers | $90 | $1,082 | 3% |
Cheapest Car Insurance for Senior Drivers in Palmdale
For seniors in Palmdale, GEICO offers the most affordable car insurance across both coverage types. Minimum coverage costs $57 per month or $680 annually, while full coverage runs $124 monthly or $1,485 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $57 | $680 | -42% |
| State Farm | $71 | $857 | -28% |
| Farmers | $89 | $1,064 | -10% |
| Progressive | $89 | $1,070 | -10% |
| AAA | $93 | $1,112 | -6% |
Cheapest Car Insurance for High-Risk Drivers in Palmdale
If you're a high-risk driver in Palmdale, these insurance companies offer the lowest rates based on your situation:
- Cheapest With a DUI: GEICO (from $127 per month)
- Cheapest With an Accident: GEICO (From $93 per month)
- Cheapest With a Speeding Ticket: GEICO (From $78 per month)
Cheapest Car Insurance With a DUI in Palmdale
GEICO offers the most affordable car insurance for Palmdale drivers with a DUI. You can save up to 45% on minimum coverage and 42% on full coverage compared to city averages.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $127 | $1,520 | -42% |
| Farmers | $153 | $1,834 | -30% |
| Progressive | $162 | $1,944 | -26% |
| Auto Owners | $167 | $2,002 | -23% |
| Mercury Insurance | $175 | $2,106 | -19% |
Cheapest Car Insurance With an Accident in Palmdale
GEICO offers the cheapest car insurance for Palmdale drivers with an accident, with rates starting at $93 monthly. This price is 34% lower than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $93 | $1,112 | -36% |
| Auto Owners | $110 | $1,321 | -24% |
| AAA | $112 | $1,347 | -23% |
| Progressive | $116 | $1,391 | -20% |
| Farmers | $122 | $1,468 | -16% |
Cheapest Car Insurance With a Speeding Ticket in Palmdale
Drivers with speeding tickets in Palmdale can find the most affordable coverage through GEICO. Their minimum liability policies cost about $78 per month, while full coverage runs around $172 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| GEICO | $78 | $941 | -40% |
| AAA | $101 | $1,217 | -23% |
| Progressive | $105 | $1,262 | -20% |
| Farmers | $122 | $1,468 | -7% |
| State Farm | $125 | $1,496 | -5% |
Best Car Insurance Companies in Palmdale
Palmdale's top car insurance companies are Progressive, GEICO, AAA, Travelers and Auto-Owners. These insurers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 89 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 80 | 3 | 5 | 7 |
| Travelers | 79 | 6 | 2 | 4 |
| Auto Owners | 77 | 10 | 1 | 6 |
Progressive: Best Overall Value
pros
Strong coverage options
High customer satisfaction ratings
Competitive local rates
cons
Not the cheapest option
Limited military discounts
COMPANY HIGHLIGHTS
Progressive ranks first in Palmdale for its well-rounded insurance offerings. The company stands out with high scores in both coverage options and customer experience. Local drivers pay less than the Palmdale average for both minimum and full coverage policies. Progressive particularly excels in claims handling and policy customization options.
GEICO: Best for Affordable Rates
pros
Lowest rates in Palmdale
Multiple driver discounts
Easy online experience
cons
Basic coverage options
Lower customer service ratings
COMPANY HIGHLIGHTS
GEICO offers the most affordable car insurance rates in Palmdale. The company ranks first for affordability while providing straightforward coverage options. GEICO particularly stands out for specific groups, offering the lowest rates for adult drivers, seniors, young drivers, and even those with poor credit or driving violations. Their simple online platform makes policy management convenient.
How Much Is Car Insurance in Palmdale?
In Palmdale, minimum coverage costs about $88 per month or $1,055 per year, ranking 1,200th out of all California cities for affordability. Full coverage averages $180 monthly or $2,161 annually, ranking 1,202nd among California cities.
| Full Coverage | $180 | $2,161 |
| Minimum Coverage | $88 | $1,055 |
Compare Personalized Palmdale Car Insurance Costs
Filter average Palmdale car insurance rates below by combining factors like age and driving history to find prices that match your exact profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $250 | $2,997 | 30% |
Palmdale Car Insurance Costs by ZIP Code
In Palmdale, car insurance rates by ZIP code range from $70 to $107 per month. ZIP code 93550 is the most expensive, while 93551 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:93550
| 93550 | $107 | $211 |
How to Get the Best Cheap Palmdale Car Insurance
Car insurance rates in Palmdale run higher than many California cities, but you can still find affordable coverage with the right approach. Our step-by-step guide shows you exactly how to lower your rates while maintaining the protection you need.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need based on your vehicle's value and your financial situation. Use our car insurance coverage needs calculator to get a personalized recommendation. This will help you avoid paying for unnecessary coverage or being underinsured.
- 2
Look into alternative coverage types
Explore different types of car insurance that might better suit your situation. If you drive infrequently, consider pay-per-mile insurance. Don't own a car? Non-owner coverage could be your best option.
- 3
Know the average costs
Research average vehicle insurance costs in Palmdale to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Understanding local rates gives you leverage when negotiating with insurance providers.
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Find all possible discounts
Take advantage of every car insurance discount available. Consider bundling multiple policies or getting multi-car discounts. Safe driver, good student and military discounts can also significantly reduce your premiums.
- 5
Check company ratings and reviews
Research insurance companies' financial strength and customer service ratings. Look for reviews specific to the Palmdale area. Focus on companies' claims handling process and customer support quality. This helps ensure you're choosing a reliable provider.
- 6
Get quotes from multiple providers
Request quotes from at least three different insurance companies. Use both online tools and local agents to compare rates. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
- 7
Review your policy yearly
Set a reminder to review your policy annually. Life changes like improved credit score, different commute or a new car can affect your rates. Shopping around each year ensures you maintain the best possible rate for your situation.
Cheapest Car Insurance in Palmdale: Bottom Line
Car insurance rates in Palmdale depend on your driving record, age and vehicle type. GEICO and Progressive offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Palmdale Car Insurance: FAQ
Get straightforward answers about finding affordable car insurance in Palmdale. We analyzed local rates and coverage options to help you secure the right protection at the best price.
What is the cheapest car insurance company in Palmdale, California?
GEICO offers the lowest rates in Palmdale, with average annual premiums of $628 for minimum coverage and $1,393 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Palmdale?
Progressive leads Palmdale's car insurance providers with a MoneyGeek score of 89 out of 100, scoring 2 points above GEICO. Progressive offers excellent value through competitive rates and quality service.
What is the average cost of car insurance in Palmdale?
In Palmdale, full coverage car insurance costs $2,161 annually, while minimum coverage averages $1,055. Your actual rates will vary based on individual factors.
Is car insurance in Palmdale expensive?
Car insurance in Palmdale costs more than average, ranking 1,200th for minimum coverage affordability and 1,202nd for full coverage among California cities.
How We Chose the Best and Cheapest Car Insurance in Palmdale, CA
To help Palmdale drivers find the most affordable auto insurance companies, MoneyGeek analyzed Palmdale auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Palmdale and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Palmdale Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Palmdale with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Palmdale
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Palmdale based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.