bestauto insurancePalmdaleCompare 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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/9/2023
Edited By |
Ashley Jacobs
Written By |
Mark Fitzpatrick
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.
bestauto insurancePalmdaleThe Cheapest and Best Car Insurance in Palmdale
Cheapest Overall - Esurance
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
Methodology
MoneyGeek collected data from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) for different car insurance companies 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
- Company100/300/100per year
- 1.$1,166
- 2.$1,261
- 3.$1,276
- 4.$1,345
- 5.$1,411
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.
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
- CompanyState Minimumper year
- 1.$531
- 2.$573
- 3.$594
- 4.$595
- 5.$631
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$1,379
- 2.$1,481
- 3.$1,688
- 4.$1,932
- 5.$2,081
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.
The Best Car Insurance Companies in Palmdale
After analyzing the average rates, claims ratings and user satisfaction scores of different insurers, MoneyGeek found the following companies offering the best car insurance in Palmdale:
- AAA: MoneyGeek score of 92 out of 100
- Esurance: MoneyGeek score of 91 out of 100
Since USAA doesn’t offer policies to non-military drivers, MoneyGeek excluded it from this analysis. However, the company received a score of 93 out of 100, making it the best car insurance company in Palmdale.
1
AAA
Score:92
AAA's full coverage policy costs in Palmdale costs an average of $1,276 per year. The company ranked first for satisfaction, claims and affordability. It offers identity theft coverage.
More About AAA
AAA's full coverage policies in Palmdale come with common coverages like roadside assistance and rental car and/or travel reimbursement. The company also offers identity theft coverage, a unique coverage rarely offered by most insurers.
With identity theft coverage, the company offers protection to the policyholders in case of identity theft and helps in social security number monitoring, real-time fraud alerts and fraud resolution support. AAA's roadside assistance coverage helps you pay for a flat tire, fuel delivery, vehicle lockout service and more.
Read MoneyGeek's AAA auto Insurance Review2
Esurance
Score:91
Esurance charges $1,166 for a full coverage policy in Palmdale. The company ranked high for affordability and satisfaction but lower in claims. It offers custom parts coverage.
More About Esurance
Esurance’s custom parts coverage in Palmdale helps drivers pay for any damages to the after-market equipment installed in the vehicle, like a fancy sound system, custom grill or exhaust system. The company offers the policyholders a coverage limit as high as $4,500. Besides this coverage, the company also provides common coverages like roadside assistance, rideshare insurance, gap insurance and rental car and/or travel reimbursement.
With Esurance’s roadside assistance coverage, the company will help you get back on the road if your car gets stranded. Depending on your state, you can use this coverage three to six times per six months.
Read MoneyGeek's Esurance auto Insurance Review3
GEICO
Score:83
4
Mercury
Score:74
5
Progressive
Score:73
6
Allstate
Score:67
7
State Farm
Score:67
8
Travelers
Score:61
9
MetLife
Score:60
10
Farmers
Score:46
11
Allied
Score:30
12
Hartford
Score:27
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 CodeState 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.
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