Cheapest and Best Car Insurance Companies in Palmdale, CA


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ByMark Fitzpatrick
Edited byMorgan Hull
ByMark Fitzpatrick
Edited byMorgan Hull

Updated: May 20, 2024

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The best cheap insurer for you will vary based on your driver profile and needs. GEICO provides the cheapest minimum and full coverage car insurance in Palmdale. Together with Farmers, it is the least expensive option for teen drivers. For drivers with a record, National General and Capital Insurance Group offer the best rates, while USAA offers the best deals for military drivers. Chubb offers the best customer service in Palmdale, while GEICO is the best overall insurer.

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2024

Cheapest and Best Car Insurance in Palmdale, CA

Why Trust MoneyGeek? MoneyGeek’s analysis took into account data and information from Quadrant Information Services and the California Department of Insurance.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Palmdale

Of the 15 providers in our study, the following insurers offer the cheapest minimum coverage auto insurance policies in Palmdale:

  • GEICO: $459 per year
  • Mercury: $494 per year

National General has the most expensive rates for car insurance in the city at $895 per year as of October 2022. Although GEICO is the cheapest option in the city, CSAA offers the cheapest car insurance in California at $125 per year. This shows how location can significantly impact the cost of your car insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$459Monthly Premium$38
MercuryAnnual Premium$494Monthly Premium$41
ProgressiveAnnual Premium$536Monthly Premium$45
AAA CaliforniaAnnual Premium$543Monthly Premium$45
KemperAnnual Premium$584Monthly Premium$49
NationwideAnnual Premium$612Monthly Premium$51
TravelersAnnual Premium$620Monthly Premium$52
State FarmAnnual Premium$667Monthly Premium$56

Minimum coverage car insurance in California includes bodily injury liability and property damage liability. The following limits are required in the state:

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

Minimum coverage policies only pay for third-party damages; they do not cover damages to your car or your vehicle. For instance, the insurance provider will only pay $15,000 in medical expenses per person up to $30,000 per accident. You will be responsible for any costs exceeding this amount.

Cheapest Full Coverage Car Insurance in Palmdale

The following insurers offer the cheapest full coverage policies in Palmdale:

  • GEICO: $1,192 per year
  • Mercury: $1,220 per year

Chubb is the most expensive provider in the city, with an average annual premium of $2,105 as of October 2022. CSAA offers the cheapest full coverage policies in California at $369 per year, $823 less than GEICO’s average full coverage rate. This shows how car insurance rates may vary depending on location.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,192Monthly Premium$99
MercuryAnnual Premium$1,220Monthly Premium$102
ProgressiveAnnual Premium$1,233Monthly Premium$103
AAA CaliforniaAnnual Premium$1,234Monthly Premium$103
AllstateAnnual Premium$1,368Monthly Premium$114
National GeneralAnnual Premium$1,390Monthly Premium$116
NationwideAnnual Premium$1,406Monthly Premium$117
State FarmAnnual Premium$1,508Monthly Premium$126

Full coverage policies provide protection against damages to your vehicle, as they include comprehensive and collision insurance.

  • Comprehensive Insurance: Covers damages from natural disasters, animals, vandalism or theft.
  • Collision Insurance: Covers damages incurred in a collision with a roadblock or another car.

Typically, owners of new cars opt for full coverage policies to safeguard their investment. It may not be worth the added cost if you have an older vehicle.

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Cheapest Car Insurance in Palmdale After a Driving Offense

In Palmdale, drivers with offenses can get the cheapest insurance from the following providers:

  • Speeding ticket: National General ($1,462 per year)
  • At-fault accident: Capital Insurance Group ($1,864 per year)
  • DUI: National General ($1,462 per year)

The most expensive rates in Palmdale for drivers with speeding tickets, at-fault accidents and DUI offenses are provided by Chubb ($2,771 per year), Kemper ($3,549 per year) and Hartford ($6,697 per year), respectively. Typically, a violation will increase your car insurance rate significantly. Even relatively “cheap” rates for drivers with offenses will still be more than average-priced rates for drivers with a clean history.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,462Monthly Premium$122
AAA CaliforniaAnnual Premium$1,598Monthly Premium$133
MercuryAnnual Premium$1,610Monthly Premium$134
GEICOAnnual Premium$1,790Monthly Premium$149
Capital Insurance GroupAnnual Premium$1,825Monthly Premium$152
AllstateAnnual Premium$2,000Monthly Premium$167
KemperAnnual Premium$2,152Monthly Premium$179
State FarmAnnual Premium$2,244Monthly Premium$187

Insurance rates increase in proportion to the severity of your driving offense. For instance, a driver in Palmdale with a speeding ticket will pay approximately $1,541 more for car insurance than a driver with a DUI offense. Although more difficult to find, cheap car insurance with a bad driving record is still attainable.

Cheapest Car Insurance in Palmdale for Teens and Their Families

In Palmdale, the following insurers offer the cheapest rates for 16-year-old teen drivers on a family policy:

  • 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

Nationwide is the most expensive insurer, charging male and female teens $5,239 per year for car insurance. Insurers typically consider male teens riskier to insure, charging them higher rates for car insurance than female teens. For instance, the cheapest premium for female teens is $12 less than the cheapest premium for male teens. However, this cost discrepancy tends to decrease in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$3,544Individual Plan Monthly Premium$6,538
State FarmFamily Plan Annual Premium$3,556Individual Plan Monthly Premium$6,948
FarmersFamily Plan Annual Premium$3,563Individual Plan Monthly Premium$7,200
AllstateFamily Plan Annual Premium$3,699Individual Plan Monthly Premium$7,457
Capital Insurance GroupFamily Plan Annual Premium$3,912Individual Plan Monthly Premium$4,867
ProgressiveFamily Plan Annual Premium$4,050Individual Plan Monthly Premium$8,360
TravelersFamily Plan Annual Premium$4,307Individual Plan Monthly Premium$6,160
KemperFamily Plan Annual Premium$5,017Individual Plan Monthly Premium$11,221

To save money, teen drivers can join a family plan instead of purchasing an individual policy. In Palmdale, a 16-year-old male teen could save up to $673 per year by joining a family policy rather than purchasing their own. Families and young drivers can find the most affordable teen auto insurance by comparing rates and searching for discounts.

Cheapest Car Insurance in Palmdale for Military Drivers

In Palmdale, military personnel and their families will get the cheapest full coverage policies from the following insurers:

  • USAA: $995 per year
  • GEICO: $1,192 per year

USAA and GEICO also offer the cheapest minimum coverage policies in the city at $440 and $459 per year, respectively. When looking for the cheapest car insurance for military drivers, compare providers for their rates and discount opportunities.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$995Monthly Premium$83
GEICOAnnual Premium$1,192Monthly Premium$99
MercuryAnnual Premium$1,220Monthly Premium$102
ProgressiveAnnual Premium$1,233Monthly Premium$103
AAA CaliforniaAnnual Premium$1,234Monthly Premium$103
AllstateAnnual Premium$1,368Monthly Premium$114
National GeneralAnnual Premium$1,390Monthly Premium$116
NationwideAnnual Premium$1,406Monthly Premium$117

How to Compare Cheap Palmdale Car Insurance Quotes Online

It can take up to 15 minutes to enter in the personal information required for a single auto insurance quote. If you’re comparing rates for multiple providers, this time can quickly add up. Fortunately, MoneyGeek’s car insurance calculator allows you to quickly estimate your rate using your age, coverage level, driving history and car type.

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Rates updated:

Jun 18, 2024

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Best Car Insurance in Palmdale: Summary

The best insurer for you will vary based on how much you value service, affordability and coverage options. MoneyGeek's overall ranking of the best car insurance in Palmdale was dominated by two insurance providers:

  • Best overall: GEICO (MoneyGeek score of 75 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

An insurer’s overall MoneyGeek score may vary depending on the factors weighted in that category. Although GEICO is the best overall insurer in the city, the best insurance provider in California is CSAA. Drivers with a military background may get the best deal with USAA, as the insurer earned a high MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Palmdale

In Palmdale, these are the best overall insurers for full coverage car insurance, based on affordability and service quality:

  • GEICO: MoneyGeek score of 75 out of 100 ($1,192 per year)
  • Progressive: MoneyGeek score of 73 out of 100 ($1,233 per year)

GEICO received the highest ratings for affordability and the third-highest ratings for customer satisfaction. This means you can receive quality coverage for a low cost. USAA is also an excellent option for military-affiliated drivers, earning a high MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

Has the cheapest rates of the providers in our study

checkmark

Has a high customer satisfaction rating

checkmark

Provides mechanical breakdown insurance (MBI)

cons

close

Offers few coverage options

close

Has a relatively low claims management rating

COMPANY HIGHLIGHTS

GEICO has the highest scores for affordability and customer satisfaction. Although there are only a few coverage options available to customers, this insurer offers standard and unique coverages. Roadside assistance, rental car and/or travel reimbursement coverage and accident forgiveness are among the add-on coverage options from GEICO.

Other coverages offered by GEICO that set it apart from its competitors are antique/classic car insurance and MBI. The latter is a special service that offers superior protection at a lower cost than a typical dealer-extended warranty. It is accessible to newly purchased or leased cars that are under 15 months old and have fewer than 15,000 miles on them.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Palmdale for Customer Service

For this category, MoneyGeek did not take affordability into account when evaluating insurance providers. The following insurers offer the best customer service in Palmdale:

  • Chubb: MoneyGeek score of 76 out of 100 ($2,105 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,594 per year)

Even though Chubb has the most expensive auto insurance rates, it achieved the second-highest marks for customer satisfaction and the highest marks for claims management, earning it the title as the best insurance provider for customer service in Palmdale.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Has the second-best customer service rating of the insurers in our comparison group

checkmark

Has the highest claims management score of the providers we evaluated

checkmark

Offers a few unique coverage options

cons

close

Has the most expensive rates

close

Lacks many common add-on coverages

COMPANY HIGHLIGHTS

Chubb’s high scores in customer satisfaction and claims management earned it our top spot as the best overall insurance provider for customer service. Customer service can be extremely helpful during stressful situations, like filing a claim after an accident or car breakdown.

Although this insurer delivers when it comes to customer service, it only offers a few coverage options. Among its unique offerings are antique or classic car insurance, diminished value coverage and original equipment manufacturer (OEM) coverage. With the insurer’s antique or classic car insurance coverage, your coverage will extend to your vintage or collector car. After an accident, your vehicle may be worth less. However, diminished value coverage will compensate you for any reduction in value. OEM coverage is a great option for those that want to ensure their car runs as smooth as possible. With OEM coverage, the insurer will pay to replace any damaged parts with those developed by the original manufacturer.

Best Cheap Car Insurance in Palmdale

We found that the following insurers offer the best minimum coverage policies in Palmdale:

  • GEICO: MoneyGeek score of 78 out of 100 ($459 per year)
  • Progressive: MoneyGeek score of 71 out of 100 ($494 per year)

Minimum coverage policies are typically the cheapest, but they offer the lowest amount of protection against liability costs and don’t cover damages to your own vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

An affordable minimum coverage policy costs $459 per year

checkmark

Offers a wide range of discounts

checkmark

Has an excellent customer service rating

cons

close

Has a poor claims management rating

close

Doesn’t offer new car replacement or better car replacement coverage

COMPANY HIGHLIGHTS

The best cheap minimum coverage auto insurance in Palmdale is offered by GEICO at $459 per year. This company distinguishes itself from many of its competitors by offering practical online solutions, which are advantageous for its customers. Among the services that it offers are online bill payment, an online calculator, a mobile app and online claims submission.

Drivers can choose from a variety of special and common discounts from GEICO, including ones for installing airbags, anti-theft systems or daytime running lights, bundling insurance policies, safe driving, taking a defensive driving course or being a good student. You may also qualify for some of GEICO's unique discounts by being a senior driver, federal employee or teacher.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Palmdale

In comparison to the average cost of auto insurance in California of $1,387, it costs $120 more to purchase car insurance in Palmdale. Car insurance in the city is also higher than the national average cost of car insurance, $1,265 per year as of October 2022. Location is just one factor that influences how much insurance costs.

The rates included above are for a full coverage policy with $100,000 bodily injury liability per accident, $300,000 bodily injury liability per person and $100,000 property damage liability.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.