Cheapest and Best Car Insurance in Palmdale, CA (July 2024)


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Updated: August 4, 2024

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In Palmdale, California, GEICO offers the cheapest rates for minimum coverage and families with teens. Progressive has the most affordable rates for full coverage car insurance. Chubb provides the best customer service, while Capital Insurance Group secures the top spot for overall value, effectively blending cost and service. Your ideal provider will vary with preference and coverage needs.

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2024

Cheapest and Best Car Insurance in Palmdale

Why Trust MoneyGeek? We analyzed 352,910 quotes in California from 18 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Palmdale insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Palmdale, CA, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Palmdale

MoneyGeek found that GEICO offers the cheapest car insurance in Palmdale, making it a solid option for budget-conscious drivers.

  • GEICO: $526 per year
  • Progressive: $545 per year

Chubb offers the most expensive minimum coverage policy in Palmdale, with an annual premium of $892. This indicates a significant price difference of $366 compared to GEICO’s offer, highlighting the importance of comparing car insurance rates to ensure you receive the best possible deal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$526Monthly Premium$44
ProgressiveAnnual Premium$545Monthly Premium$45
KemperAnnual Premium$584Monthly Premium$49
MercuryAnnual Premium$619Monthly Premium$52
AAAAnnual Premium$666Monthly Premium$55
State NationalAnnual Premium$702Monthly Premium$59
NationwideAnnual Premium$721Monthly Premium$60
FarmersAnnual Premium$732Monthly Premium$61
Capital Insurance GroupAnnual Premium$734Monthly Premium$61
State FarmAnnual Premium$772Monthly Premium$64
TravelersAnnual Premium$792Monthly Premium$66
AllstateAnnual Premium$805Monthly Premium$67
HartfordAnnual Premium$852Monthly Premium$71
National GeneralAnnual Premium$876Monthly Premium$73
ChubbAnnual Premium$892Monthly Premium$74

State Minimum Liability Requirements

In California, state law determines your car insurance coverage minimums. Here are the mandated limits:

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $5,000 property damage liability per accident

Your minimum coverage policy is designed to cover up to $15,000 for an individual's bodily injury and a total of $30,000 per accident. If you're in a fender-bender and the other party's injuries exceed these figures, you have to cover the remaining balance out of pocket.

Cheapest Full Coverage Car Insurance in Palmdale

MoneyGeek found that Progressive offers the cheapest full coverage car insurance in Palmdale.

  • Progressive: $1,286 per year
  • GEICO: $1,372 per year

Farmers has the most expensive full coverage policy in Palmdale, costing $2,449 per year. This is $1,163 more per year than Progressive, highlighting why comparing full coverage car insurance policies is crucial. Full coverage tends to be more costly due to its comprehensive protection.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,286Monthly Premium$107
GEICOAnnual Premium$1,372Monthly Premium$114
AAAAnnual Premium$1,410Monthly Premium$118
MercuryAnnual Premium$1,486Monthly Premium$124
AllstateAnnual Premium$1,513Monthly Premium$126
State NationalAnnual Premium$1,614Monthly Premium$135
KemperAnnual Premium$1,621Monthly Premium$135
Capital Insurance GroupAnnual Premium$1,631Monthly Premium$136
National GeneralAnnual Premium$1,640Monthly Premium$137
NationwideAnnual Premium$1,715Monthly Premium$143
HartfordAnnual Premium$1,795Monthly Premium$150
State FarmAnnual Premium$1,884Monthly Premium$157
ChubbAnnual Premium$2,105Monthly Premium$175
TravelersAnnual Premium$2,206Monthly Premium$184
FarmersAnnual Premium$2,449Monthly Premium$204

Do You Need Full Coverage in California?

A full coverage policy has higher liability limits. It also includes comprehensive and collision insurance components:

  • Collision Insurance: This aspect ensures your vehicle is covered for damage caused by impacts with other vehicles or stationary objects like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This part protects against non-collision damage to your car, such as theft, vandalism, fires, natural disasters or being struck by an animal.

Choosing full coverage insurance is advantageous for new vehicles to secure your substantial expense. However, the higher coverage for older models may not justify the additional premium cost. Figuring out how much car insurance you need hinges on a balance — more coverage means higher premiums, but having lower coverage could result in being underinsured.

Cheapest Car Insurance in Palmdale After a Driving Offense

MoneyGeek found that different companies offer the most competitive rates in Palmdale depending on driving infractions. For drivers needing full coverage policies, the costs vary notably with different driving offenses:

  • Speeding Ticket: National General ($1,722 per year)
  • At-Fault Accident: Capital Insurance Group ($1,910 per year)
  • DUI: National General ($1,722 per year)

The most expensive companies for these offenses are significantly higher than the cheapest ones. For example, Farmers is the most expensive provider after a speeding ticket, costing $3,394 per year, $1,672 more than the offer from the cheapest provider. The severity of a driving offense can influence the cost of car insurance. However, you can still find affordable rates by comparing premiums, especially with a poor driving record.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,722Monthly Premium$143
AAAAnnual Premium$1,834Monthly Premium$153
Capital Insurance GroupAnnual Premium$1,873Monthly Premium$156
MercuryAnnual Premium$1,957Monthly Premium$163
GEICOAnnual Premium$2,044Monthly Premium$170
KemperAnnual Premium$2,152Monthly Premium$179
AllstateAnnual Premium$2,208Monthly Premium$184
State NationalAnnual Premium$2,298Monthly Premium$192
ProgressiveAnnual Premium$2,439Monthly Premium$203
HartfordAnnual Premium$2,717Monthly Premium$226
ChubbAnnual Premium$2,771Monthly Premium$231
State FarmAnnual Premium$2,801Monthly Premium$233
NationwideAnnual Premium$2,966Monthly Premium$247
TravelersAnnual Premium$3,373Monthly Premium$281
FarmersAnnual Premium$3,394Monthly Premium$283

Insurance rates in Palmdale, like in many cities, generally escalate with the severity of a driver's offense, reflecting the increased risk posed to insurers. For example, drivers with a speeding ticket may face an average annual premium of $2,437, while those with a DUI could see their rates soar to an average of $4,087. This stark contrast underscores the importance for individuals with driving offenses to diligently compare insurance rates, ensuring they secure the most financially beneficial policy in light of their higher risk profiles.

Cheapest Car Insurance in Palmdale for Teens and Their Families

MoneyGeek found that GEICO offers the cheapest car insurance for teens in Palmdale, allowing significant savings for families with teenage drivers.

  • GEICO: $3,544 per year for female teens; State Farm: $3,556 per year for male teens
  • State Farm: $3,556 per year for female teens; Farmers: $3,563 per year for male teens

These rates reflect the combined cost of insuring a family with two parents and a teenager in Palmdale. Nationwide has the most expensive teen family policy in the area, with an annual rate of $5,239 for female and male teens. The difference in annual premiums between GEICO and Nationwide is $1,695 for a female teen. This emphasizes the importance of comparing policies, especially when adding high-risk teen drivers to your insurance.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$3,544Individual Plan Monthly Premium$4,002
State FarmFamily Plan Annual Premium$3,556Individual Plan Monthly Premium$3,937
FarmersFamily Plan Annual Premium$3,563Individual Plan Monthly Premium$5,253
AllstateFamily Plan Annual Premium$3,699Individual Plan Monthly Premium$3,985
Capital Insurance GroupFamily Plan Annual Premium$3,912Individual Plan Monthly Premium$3,819
ProgressiveFamily Plan Annual Premium$4,050Individual Plan Monthly Premium$4,450
TravelersFamily Plan Annual Premium$4,307Individual Plan Monthly Premium$3,893
KemperFamily Plan Annual Premium$5,017Individual Plan Monthly Premium$6,697
NationwideFamily Plan Annual Premium$5,239Individual Plan Monthly Premium$7,437

In Palmdale, individuals pay an average of $4,909 per year compared to $4,120 when added to a family policy. This considerable difference reflects the higher risk insurers associate with independent teen drivers, who lack the benefit of shared risk within a family plan. Moreover, teens may struggle to secure an individual policy due to their inexperience and the increased probability of filing a claim, which makes insurers cautious. Parents should consider the financial advantage of including their teens in the family plan to ensure affordability and insurability.

Cheapest Car Insurance in Palmdale for Military Drivers

MoneyGeek found that Progressive offers the cheapest car insurance for those with military backgrounds.

  • Progressive: $1,286 per year
  • GEICO: $1,372 per year

While USAA doesn't offer the cheapest premium, it is renowned for its commitment to meeting the unique needs of active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,286Monthly Premium$107
GEICOAnnual Premium$1,372Monthly Premium$114
USAAAnnual Premium$1,394Monthly Premium$116
AAAAnnual Premium$1,410Monthly Premium$118
MercuryAnnual Premium$1,486Monthly Premium$124
AllstateAnnual Premium$1,513Monthly Premium$126
State NationalAnnual Premium$1,614Monthly Premium$135
KemperAnnual Premium$1,621Monthly Premium$135
Capital Insurance GroupAnnual Premium$1,631Monthly Premium$136
National GeneralAnnual Premium$1,640Monthly Premium$137
NationwideAnnual Premium$1,715Monthly Premium$143
HartfordAnnual Premium$1,795Monthly Premium$150
State FarmAnnual Premium$1,884Monthly Premium$157
ChubbAnnual Premium$2,105Monthly Premium$175
TravelersAnnual Premium$2,206Monthly Premium$184
FarmersAnnual Premium$2,449Monthly Premium$204

How to Compare Cheap Palmdale Car Insurance Quotes Online

Comparing car insurance rates in Palmdale ensures savings. However, the process can take over an hour to assess with three or more companies.

MoneyGeek's car insurance calculator streamlines this task by emphasizing key factors influencing premiums in Palmdale. You can promptly receive tailored rate estimates by inputting your age, driving record, credit score and coverage preferences.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 04, 2024

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Best Car Insurance in Palmdale: Overview

Selecting the best auto insurance for you involves weighing service, cost, coverage and other variables. MoneyGeek's different scoring systems for each category helped find Palmdale's top insurers for varying needs:

  • Best overall: Capital Insurance Group (MoneyGeek score 83 out of 100)
  • Best for service: Chubb ((MoneyGeek score 94 out of 100)
  • Best cheap: Mercury ((MoneyGeek score 75 out of 100)

When one company tops all categories, it represents the best city-wide value, service and affordability. However, multiple winners suggest distinct areas of dominance. Mercury's lower costs may attract budget-conscious drivers. Chubb leads for premium service, and Capital Insurance Group offers a balance of service and affordability.

Overall Best Car Insurance in Palmdale

MoneyGeek found that Capital Insurance Group is the leading choice for the best car insurance in Palmdale. It offers top-notch policies for discerning drivers looking for comprehensive coverage.

  • Capital Insurance Group: MoneyGeek score of 83 out of 100 ($1,631 per year)
  • Chubb: MoneyGeek score of 82 out of 100 ($2,105 per year)

Capital Insurance Group distinguishes itself by achieving the highest MoneyGeek score, a testament to its superior satisfaction and affordability ratings. These factors are the key elements behind its commendable full coverage policy that provides excellent value for the cost.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
83/ of 100

Overview

Capital Insurance Group's high MoneyGeek score comes from its top ratings in satisfaction and claims, signaling that customers are very happy with their service and claims experiences. The company covers roadside assistance, ensuring drivers aren't stranded when their car breaks down.

Capital Insurance Group caters to auto enthusiasts with custom parts coverage, ensuring name-brand replacements for specialized vehicle parts — a rare and useful option for many. It also offers full glass coverage, which is handy for on-the-go repairs. Capital Insurance Group's top ratings demonstrate a strong commitment to customer experience and support despite lacking some specialized coverages.

Best Car Insurance in Palmdale for Customer Service

MoneyGeek found that Chubb is the best option in Palmdale for car insurance, focusing on customer service regardless of cost. This recognition highlights its remarkable performance in general satisfaction, claims handling and coverage options.

  • Chubb: MoneyGeek score of 94 out of 100 ($2,105 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,631 per year)

Chubb stands out due to its exceptional satisfaction and claims scores, which are the most significant contributors to its MoneyGeek score. The company has consistently demonstrated its commitment to delivering high-quality customer service and robust coverage options.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb has exceptional satisfaction and claims scores, leading to its high MoneyGeek score. Although Chubb doesn't offer roadside assistance, it does offer rental car and/or travel reimbursement.

Chubb's coverage options benefit a broad range of drivers, especially with their widely applicable rare coverage: original equipment manufacturer (OEM) coverage. This coverage ensures that repairs maintain a car's integrity with original manufacturer parts. Antique/classic car insurance also offers specialized protection for your prized vehicles, preserving their value and legacy. Diminished value coverage ensures you're compensated for any loss in value post-accident, safeguarding your investment. Despite missing coverages, Chubb's impressive MoneyGeek scores solidify its position as a reliable insurer.

Best Cheap Car Insurance in Palmdale

MoneyGeek found that Mercury is the best option for affordable car insurance in Palmdale. It provides a balance of cost efficiency and reliable service.

  • Mercury: MoneyGeek score of 75 out of 100 ($619 per year)
  • GEICO: MoneyGeek score of 75 out of 100 ($526 per year)

Mercury stands out due to its superior mix of high customer satisfaction and solid claims handling, which significantly contribute to its MoneyGeek score. Its offering is for a minimum coverage policy, ensuring that policyholders can enjoy essential insurance benefits at an economical rate.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
75/ of 100

Overview

Mercury leads, with its strong affordability and satisfaction scores contributing heavily to its high MoneyGeek score. The average annual premium for minimum coverage with Mercury is $619, showcasing the accessible pricing for the everyday driver. Notably, Mercury offers discounts like an anti-theft system incentive and benefits for teachers.

Mercury boasts a breadth of common discounts, including bundling, multiple car and safe driving. Customers can benefit from combining policies and exhibiting safe driving habits, which speaks to the company's comprehensive discount offerings. Additionally, Mercury rewards drivers with automatic payment discounts. Setting up auto pay simplifies the payment process and ensures timely transactions, leading to potential savings — useful for drivers aiming for a seamless insurance experience. Furthermore, opting for paperless billing contributes to environmental conservation, provides convenience and offers additional savings opportunities.

Average Cost of Car Insurance in Palmdale

MoneyGeek found that the average car insurance cost in Palmdale, California, is $1,722 per year. This figure is slightly higher than the average across the state of California, which is $1,562. When compared with the national average of $1,781, the Californian average is cheaper by $219, indicating that residents in the state pay less for car insurance overall.

Car insurance premiums are influenced by various factors, including personal driving history, vehicle type and coverage options. However, location can significantly impact insurance costs due to varied risks and regulations. For instance, traffic density and accident rates tend to be higher in urban areas, which could increase premiums. Glendale has the most expensive car insurance premium at $2,433 per year, surpassing the state average by $871. Meanwhile, the city of Santa Maria boasts the cheapest annual premium at $1,251, which is $311 less than the state average. This stark contrast exemplifies why location is such a crucial factor in the price of car insurance. Areas with lower traffic density, such as non-city regions, potentially offer even more affordable rates.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331
ClovisAnnual Premium$1,395
ConcordAnnual Premium$1,473
CoronaAnnual Premium$1,525
Costa MesaAnnual Premium$1,501
Daly CityAnnual Premium$1,712
DowneyAnnual Premium$1,749
East Los AngelesAnnual Premium$1,800
El CajonAnnual Premium$1,438
El MonteAnnual Premium$1,784
Elk GroveAnnual Premium$1,535
EscondidoAnnual Premium$1,382
FairfieldAnnual Premium$1,392
FontanaAnnual Premium$1,565
FremontAnnual Premium$1,446
FresnoAnnual Premium$1,442
FullertonAnnual Premium$1,661
Garden GroveAnnual Premium$1,679
GlendaleAnnual Premium$2,433
HaywardAnnual Premium$1,549
Huntington BeachAnnual Premium$1,523
InglewoodAnnual Premium$1,963
IrvineAnnual Premium$1,585
Jurupa ValleyAnnual Premium$1,507
LancasterAnnual Premium$1,670
Long BeachAnnual Premium$1,685
Los AngelesAnnual Premium$2,138
ModestoAnnual Premium$1,577
Moreno ValleyAnnual Premium$1,546
MurrietaAnnual Premium$1,415
NorwalkAnnual Premium$1,661
OaklandAnnual Premium$1,657
OceansideAnnual Premium$1,396
OntarioAnnual Premium$1,565
OrangeAnnual Premium$1,462
OxnardAnnual Premium$1,436
PalmdaleAnnual Premium$1,722
PasadenaAnnual Premium$1,798
PomonaAnnual Premium$1,630
Rancho CucamongaAnnual Premium$1,503
RialtoAnnual Premium$1,577
RichmondAnnual Premium$1,562
RiversideAnnual Premium$1,543
RosevilleAnnual Premium$1,458
SacramentoAnnual Premium$1,494
SalinasAnnual Premium$1,346
San BernardinoAnnual Premium$1,567
San DiegoAnnual Premium$1,349
San FranciscoAnnual Premium$1,670
San JoseAnnual Premium$1,429
San MateoAnnual Premium$1,385
Santa AnaAnnual Premium$1,577
Santa ClaraAnnual Premium$1,420
Santa ClaritaAnnual Premium$1,634
Santa MariaAnnual Premium$1,251
Santa RosaAnnual Premium$1,479
Simi ValleyAnnual Premium$1,528
StocktonAnnual Premium$1,594
SunnyvaleAnnual Premium$1,413
TemeculaAnnual Premium$1,432
Thousand OaksAnnual Premium$1,589
TorranceAnnual Premium$1,518
VallejoAnnual Premium$1,547
VenturaAnnual Premium$1,341
VictorvilleAnnual Premium$1,598
VisaliaAnnual Premium$1,333
VistaAnnual Premium$1,355
West CovinaAnnual Premium$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.