Car Insurance in Palmdale

Palmdale drivers shopping for minimum coverage will find GEICO's $628 annual rate beats the city average of $1,055 by 39%. Full coverage tells a similar story, with GEICO charging $1,393 annually versus the city average of $2,161.

Progressive ranks second with full coverage rates of $1,598 per year. AAA also provides competitive pricing for Palmdale residents seeking affordable coverage options.

The Antelope Valley's distance from coastal California markets once limited insurance competition, but digital insurers like GEICO now serve Palmdale effectively. Local factors like vehicle theft rates near Palmdale Transit Center and accidents on Pearblossom Highway influence how companies price their policies.

Young drivers face the steepest premiums in Palmdale, paying roughly double what adults pay. GEICO offers young drivers the best rate at $1,273 per year.

Adult drivers pay $628 annually with GEICO, saving $645 compared to younger drivers. Senior drivers get their cheapest coverage from GEICO at $680 per year, representing just an 8% increase over adult rates.

Palmdale's young driver population, many commuting to Los Angeles for work or school via Highway 14, faces higher rates due to long-distance driving patterns. Seniors who primarily drive locally within Palmdale's residential areas benefit from lower mileage and reduced accident exposure.

Young drivers in Palmdale face higher premiums due to California’s elevated accident frequency and repair costs, but GEICO and State Farm provide the lowest rates for motorists ages 16 to 25. Their prices start at $106 and $119 per month, significantly undercutting the city average. These insurers maintain competitive pricing across Palmdale ZIP codes, making them the strongest options for young drivers who typically experience the steepest surcharges.

Adult drivers between 26 and 64 get the lowest premiums in Palmdale from GEICO, which prices coverage at $52 per month, about 40 percent below the city average. Progressive and AAA also offer affordability for adults with clean driving records. These insurers remain competitive because they rate mature drivers more favorably and price consistently across the Palmdale–Lancaster region, where suburban driving patterns help moderate claim costs.

Seniors in Palmdale can secure the lowest rates from GEICO, which charges $57 per month for minimum coverage and $124 per month for full coverage. GEICO maintains strong pricing for older drivers by rating age-related risks more evenly across California’s suburban areas, where crash severity and medical liability costs can vary widely between insurers.

High-risk drivers in Palmdale, including those with DUIs, at-fault accidents, or speeding violations, find the most affordable premiums with GEICO across nearly all violation types. GEICO’s high-risk pricing is notably lower than many California competitors, which often apply steep surcharges due to elevated claim costs and increased accident frequency in Los Angeles County.

• DUI: GEICO (from $127 per month)
• Accident: GEICO (from $93 per month)
• Speeding Ticket: GEICO (from $78 per month)

For Palmdale drivers with a DUI, GEICO provides the lowest premium at $127 per month, offering savings up to 45 percent below typical city rates. GEICO consistently underprices other insurers in this category, making it the most cost-effective option for those managing the significant financial penalties attached to DUI-related surcharges.

Drivers in Palmdale with an at-fault accident can find the cheapest premiums through GEICO, which starts at $93 per month, or roughly 36 percent below the city average. GEICO’s competitive post-accident pricing makes it a strong choice for drivers seeking affordable coverage after a claim.

For Palmdale drivers with a speeding ticket, GEICO remains the cheapest option, charging $78 per month for minimum coverage. Full coverage averages around $172 per month, making GEICO one of the few carriers that maintain reasonable premiums even after minor traffic violations.

Progressive leads Palmdale's insurance market with a score of 89 out of 100. The company delivers strong performance across pricing, customer satisfaction and claims handling.

GEICO follows with a score of 87, maintaining competitive rates alongside reliable service. Both insurers demonstrate solid financial strength and maintain low consumer complaint ratios.

Car insurance in Palmdale averages $88 per month for minimum coverage and $180 per month for full coverage. These rates run higher than many California cities, reflecting elevated accident statistics along major commuter routes.

GEICO's minimum coverage rate of $52 monthly shows the savings available through comparison shopping. Your individual rate varies based on factors like age, driving history and the coverage limits you select.

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.

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.

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.

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.

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.