Buy Cheap Palm Desert, CA Auto Insurance (2022)

Palm Desert, CA auto insurance rates average $288 a month. Minimum auto insurance requirements in Palm Desert, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Palm Desert, CA, compare Palm Desert auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Palm Desert, CA after a DUI are $4,859/year
  • Average auto insurance rates in Palm Desert, CA are $288/month
  • The most expensive auto insurance company in Palm Desert after a DUI is Allstate

Finding affordable Palm Desert, California auto insurance can be challenging, but everything you need to know to buy cheap Palm Desert, CA auto insurance with confidence is right here. Auto insurance rates in Palm Desert are affected by local factors as well as personal ones like your driving record.

See how Palm Desert, CA car insurance rates compare to San Jose auto insurance rates, Bakersfield auto insurance rates, and San Diego auto insurance rates before you read more about the cost of auto insurance in Palm Desert.

Don’t buy Palm Desert, CA auto insurance until you’ve compared rates. Get free Palm Desert, California auto insurance quotes when you enter your ZIP code above.

Palm Desert, CA Minimum Auto Insurance Requirements

The required auto insurance in Palm Desert, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Palm Desert, California is outlined here.

Minimum Required Auto Insurance Coverage in Palm Desert, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Buy Cheap Palm Desert, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Palm Desert, California auto insurance rates? Find out how car insurance rates in Palm Desert, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Palm Desert, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,822 $2,852 $2,033 $2,085 $7,596 $9,617 $3,705 $4,180
Farmers $2,592 $2,592 $2,336 $2,336 $8,226 $13,457 $3,067 $3,412
GEICO $1,681 $1,682 $1,581 $1,581 $5,099 $5,192 $2,412 $2,470
Liberty Mutual $1,930 $1,824 $1,793 $1,736 $4,118 $4,403 $2,167 $2,197
Nationwide $3,107 $2,970 $2,711 $2,559 $7,821 $8,646 $3,703 $3,666
Progressive $1,857 $1,909 $1,583 $1,874 $4,976 $5,975 $2,674 $2,870
State Farm $2,926 $2,926 $2,614 $2,614 $5,407 $6,734 $3,236 $3,333
Travelers $2,271 $2,202 $2,006 $1,985 $4,635 $5,284 $2,932 $2,879
USAA $1,879 $1,782 $1,833 $1,842 $4,271 $4,295 $2,598 $2,457

Buy Cheap Palm Desert, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Palm Desert can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Palm Desert, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Palm Desert, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,596 $9,617
Farmers $8,226 $13,457
GEICO $5,099 $5,192
Liberty Mutual $4,118 $4,403
Nationwide $7,821 $8,646
Progressive $4,976 $5,975
State Farm $5,407 $6,734
Travelers $4,635 $5,284
USAA $4,271 $4,295

Buy Cheap Palm Desert, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Palm Desert, California by comparing Palm Desert senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Palm Desert, CA here.

Annual Auto Insurance Rates for Senior Drivers in Palm Desert, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,033 $2,085
Farmers $2,336 $2,336
GEICO $1,581 $1,581
Liberty Mutual $1,793 $1,736
Nationwide $2,711 $2,559
Progressive $1,583 $1,874
State Farm $2,614 $2,614
Travelers $2,006 $1,985
USAA $1,833 $1,842

Find Cheap Auto Insurance Rates in Palm Desert, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Palm Desert, California auto insurance. Compare Palm Desert, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Palm Desert, California

Insurance Company Low Medium High
Allstate $4,182 $4,391 $4,511
Farmers $4,418 $4,788 $5,051
GEICO $2,452 $2,741 $2,943
Liberty Mutual $2,344 $2,541 $2,678
Nationwide $3,954 $4,470 $4,770
Progressive $2,638 $3,063 $3,193
State Farm $3,301 $3,798 $4,073
Travelers $2,640 $3,106 $3,327
USAA $2,379 $2,670 $2,810

Find Cheap Palm Desert, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Palm Desert. Compare auto insurance rates in Palm Desert, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Palm Desert, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,936 $4,786
Farmers $4,312 $5,193
GEICO $2,464 $2,960
Liberty Mutual $2,313 $2,729
Nationwide $3,886 $4,910
Progressive $2,685 $3,244
State Farm $3,586 $3,862
Travelers $2,724 $3,324
USAA $2,414 $2,825

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Find Cheap Palm Desert, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Palm Desert, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Palm Desert, CA to see how much where you live in Palm Desert affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Palm Desert, California

ZIP Code Average Annual Rates
92211 $4,585
92260 $4,724

Find Cheap Palm Desert, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Palm Desert, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Palm Desert, CA, take a look at the average cost for various violations versus rates for a clean driving record in Palm Desert.

Annual Palm Desert, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,606 $4,455 $6,947 $3,437
Farmers $3,515 $4,785 $5,959 $4,750
GEICO $1,897 $2,924 $3,673 $2,354
Liberty Mutual $2,187 $2,931 $2,648 $2,318
Nationwide $3,069 $3,933 $6,656 $3,933
Progressive $1,941 $3,305 $3,812 $2,801
State Farm $2,659 $3,170 $5,983 $3,085
Travelers $2,035 $3,280 $3,812 $2,970
USAA $1,741 $2,589 $4,241 $1,907

Find Cheap Palm Desert, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Palm Desert, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Palm Desert for less when you shop around and compare rates from multiple Palm Desert, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Palm Desert, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,947
Farmers $5,959
GEICO $3,673
Liberty Mutual $2,648
Nationwide $6,656
Progressive $3,812
State Farm $5,983
Travelers $3,812
USAA $4,241

Winners by Category: Where to Buy Cheap Auto Insurance in Palm Desert, CA

Compare rates from the cheapest auto insurance companies in Palm Desert, CA for your needs. Take a look at how Palm Desert, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Palm Desert, California

Category Insurance Company
Teenagers Liberty Mutual
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Find Cheap Palm Desert, California Auto Insurance Companies

If you’re looking for the cheapest Palm Desert, CA auto insurance companies overall, you can compare them here. Find the best price for Palm Desert, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Palm Desert, California

Insurance Company Average Annual Rates
Allstate $4,361
Farmers $4,752
GEICO $2,712
Liberty Mutual $2,521
Nationwide $4,398
Progressive $2,965
State Farm $3,724
Travelers $3,024
USAA $2,620

What affects Palm Desert, California auto insurance rates?

Local factors affect auto insurance rates in Palm Desert, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Palm Desert auto insurance rates.

Auto Theft in Palm Desert

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Palm Desert, CA auto theft show a total of 130 vehicle thefts annually.

Commute Times in Palm Desert

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Palm Desert, CA is 19.1 minutes according to City-Data.

Compare Auto Insurance Quotes in Palm Desert, CA

You can buy cheap Palm Desert, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Palm Desert, California auto insurance quotes from top companies.

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