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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.