Compare the Cheapest Car Insurance Quotes in Palmdale, CA

On average, car insurance in Palmdale costs $1,568 per, higher than California’s average $1,429 premium. Esurance offers insurance at $1,166, making it the best choice for the city’s budget-conscious drivers. MoneyGeek determines the cheapest available insurance options using coverage amount and driving history to help find the best rate for you. If you want both quality and price in a provider, MoneyGeek listed Palmdale's best auto insurance companies below.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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On average, Esurance offers the cheapest car insurance in Palmdale, including for a driver with a ticket. But for minimum coverage, Progressive is cheaper. USAA is the most affordable if you have a military background. MoneyGeek found that AAA is the best insurer in Palmdale for balancing quality service and affordability. Your best depends on your profile and coverage needs.

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The Cheapest and Best Car Insurance in Palmdale

The Cheapest Car Insurance Companies in Palmdale

If you are looking for the cheapest full coverage policy in Palmdale, the most affordable companies are:

  • Esurance: $1,166 average per year
  • AAA: $1,276 average per year

USAA, which costs roughly $1,261 a year, is a low-priced option for full coverage in Palmdale for drivers with a military background.

Compared to Esurance, Hartford, at $1,883 per year, costs up to 38% more, making it the most expensive option.

Rates for full coverage policies may vary based on the liability coverage purchased. The policy does include comprehensive and collision insurance to fully protect your car.

Cheapest Car Insurance in Palmdale
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,166
  • 2.
    USAA
    $1,261
  • 3.
    AAA
    $1,276
  • 4.
    Progressive
    $1,345
  • 5.
    GEICO
    $1,411
  • 6.
    Allstate
    $1,468
  • 7.
    Mercury
    $1,479
  • 8.
    MetLife
    $1,659
  • 9.
    State Farm
    $1,692
  • 10.
    Travelers
    $1,768
  • 11.
    Allied
    $1,831
  • 12.
    Farmers
    $1,840
  • 13.
    Hartford
    $1,883

MoneyGeek’s analysis used the profile of a 40-year-old male driver in Palmdale with a full coverage policy, as our methodology explains.

A full coverage policy costs more than minimum coverage because it protects you in case of damage to your car with liability plus:

  • Collision coverage: compensates for damages that result from collisions with other cars or stationary objects.
  • Comprehensive coverage: Compensates for losses from theft, vandalism and similar risks.

For older cars, the cost of full coverage may exceed the value of the car, making minimum liability coverage likely a better option.

Compare Car Insurance Rates in Palmdale

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Palmdale for Minimum Coverage

In Palmdale, a minimum coverage policy is the least expensive. However, the policy has low liability limits and does not have collision or comprehensive insurance, so you have limited protection.

The most affordable options for minimum coverage in Palmdale, on average, are:

  • Progressive: $573 per year
  • GEICO: $594 per year

If you have a military background, you may qualify for a cheap minimum coverage policy from USAA, roughly $531 yearly.

Farmers is the most expensive option for minimum coverage at $969 yearly, which is $396 more than Progressive, the cheapest, open-to-all insurer.

You can toggle the table below to see how much higher liability coverage costs.

Cheapest Minimum Liability Car Insurance in Palmdale
State Minimum

Drivers in Palmdale who opt for a state minimum policy pay a lower premium but risk high out-of-pocket costs in case of an accident. That is because a state minimum policy only carries the minimum 15/30/5 liability coverage required by California.

For example, if you cause an accident where the medical expenses for one person are $30,000, your state minimum policy only covers $15,000; you have to pay for the rest out of pocket.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Palmdale if You Have Driving Violations

Having a DUI, at-fault accident or ticket raises the cost of your car insurance. Depending on the violation you have, the most affordable auto insurers in Palmdale are:

  • Cheapest after a ticket: Esurance, $1,481 average per year
  • Cheapest after an at-fault accident: Esurance, $1,845 average per year
  • Cheapest after a DUI: Mercury, $2,418 average per year

If you have a military background, USAA offers an inexpensive rate after a speeding ticket of roughly $1,379 a year.

Improving your driving record over time can help you get lower rates for car insurance. However, you can find affordable options with a violation now by comparing quotes.

Cheapest Car Insurance in Palmdale With a Violation
Speeding Ticket

Average Cost of Car Insurance in Palmdale

Palmdale$1,568
California$1,429
U.S.$1,424

The cost of auto insurance varies by location. For example, the average car insurance rates in Palmdale are higher than both the state and national averages.

In Palmdale, drivers pay an average of $1,568 per year for auto insurance. This is 9.7% more than the state average and 10.1% higher than the U.S. average.

Personalized Quotes to Get You the Cheapest Car Insurance in Palmdale

Car insurance quotes in Palmdale are calculated after evaluating several factors. These can include age, gender, car make and model, driving history and ZIP code.

For example, a 40-year-old male driver in Palmdale will pay $1,166 for a policy with Esurance. This rate may increase as the driver gets older.

Since life circumstances change regularly, it’s important to compare car insurance quotes frequently to find the best policy.

Compare Car Insurance Rates in Palmdale

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Palmdale

MoneyGeek identified the best insurers in Palmdale by ranking providers based on who offers the best balance of affordability and quality service. Based on the scoring system, the best auto insurers in Palmdale are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA had the highest MoneyGeek score among insurers in Palmdale and is the best insurer for drivers with a military background.

MoneyGeek’s scoring system incorporates J.D. Power customer satisfaction scores, affordability and financial stability ratings from independent agencies to score insurers out of 100.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Every neighborhood has different crime rates, accident statistics and numbers of uninsured drivers. As a result, your ZIP code will have an impact on the cost of your auto insurance.

In Palmdale, rates can vary by neighborhood. Drivers in Palmdale who live in ZIP code 93551 pay $104 less than residents who live in the 93550 community.

  • Zip Code
    State Minimumper year
  • 93551
    $1,516
  • 93550
    $1,620

Factors That Impact Insurance Costs in Palmdale

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Palmdale. How Palmdale ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities47th/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall247th/300
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Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Palmdale are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.