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.
bestauto insurancePalmdale2021The Cheapest and Best Car Insurance in Palmdale
Cheapest Overall - Esurance
Best Overall - AAA
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - Esurance
The Cheapest Car Insurance Companies in Palmdale
The car insurance companies in Palmdale that tend to offer the most affordable full coverage policies are:
- Esurance: $1,166 per year
- USAA: $1,261 per year (only available to present and former military members)
These prices are for a 40-year-old male driver with a full coverage policy. The quoted policy includes liability insurance and comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$1,166
- 2.$1,261
- 3.$1,276
- 4.$1,345
- 5.$1,411
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.
The Best Car Insurance Companies in Palmdale
If you’re a driver in Palmdale looking for an insurance company that provides superior service and affordable rates, consider MoneyGeek’s top picks. Based on MoneyGeek’s scoring system, the best companies in the city for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Palmdale by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
Using factors like J.D. Power power satisfaction, affordability and financial stability, MoneyGeek calculates these scores.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:88
5
State Farm
Score:88
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:83
9
Allstate
Score:83
10
Safeco
Score:80
11
CSAA
Score:78
12
Liberty Mutual
Score:78
13
Farmers
Score:78
14
Mercury
Score:78
15
Nationwide
Score:75
16
Kemper
Score:70
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.
Shopping around for car insurance in Palmdale could save you $402, which is enough to buy:
134Cups of Coffee
31Months of Your Favorite Streaming Service
Cheapest Car Insurance in Palmdale by Coverage Amount
In Palmdale, the price of your policy is greatly affected by the amount of coverage you buy. An insurance policy that meets the minimum liability requirements in California costs on average $754 annually. In comparison, a full coverage policy, which has higher liability limits, has a $1,568 average yearly premium. That’s $813 more expensive than a minimum liability policy.
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.
In California, the cheapest car insurance option is a state minimum liability-only policy that provides basic protection. USAA has the lowest annual premium for this coverage, costing an average of $531 per year. However, USAA policies are only available for military members, veterans and their families. If you do not qualify, Esurance offers a state minimum liability-only policy that costs an average of $642 annually.
If coverage with higher levels of protection fits your needs better, auto insurance companies in Palmdale offer 50/100/50 liability-only and full-coverage policies. These allow a driver to claim up to $50,000 for bodily injuries per person, $100,000 for injuries per accident and $50,000 for property damage.
Full coverage will pay for the costs that you and the other driver incur when you are at fault in an accident. Liability-only insurance just covers the costs to the other driver if you cause an accident. A full-coverage policy through Esurance could cost drivers in Palmdale an average of $325 more per year than a liability-only plan.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$531$705
- 2.$642$783
- 3.$595$725
- 4.$573$819
- 5.$594$830
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$1,176$1,261
- 2.$1,108$1,166
- 3.$1,145$1,276
- 4.$1,189$1,345
- 5.$1,265$1,411
Cheapest Car Insurance in Palmdale if You Have Driving Violations
Car insurance in Palmdale typically costs less for drivers with a clean driving history. Those with violations like a speeding ticket, DUI or an at-fault accident have higher annual premiums.
In Palmdale, a driver with a speeding ticket might pay $315 more per year than a driver with no record. If a driver has caused an accident, they may pay an extra $679 annually. Drivers with a DUI could pay an average of $1,751 extra each year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$1,481$1,845$2,917
- 2.$1,932$2,547$2,418
- 3.$1,379$2,203$3,586
- 4.$1,688$1,946$4,004
- 5.$2,085$2,380$3,348
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
Insurance Providers That Serve Palmdale
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.
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.
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