Best Palmdale, California Auto Insurance in 2024
The cheapest Palmdale, CA auto insurance is offered by Liberty Mutual, but rates will vary by driver. For more affordable rates, some Palmdale residents may qualify for California Low-Cost Auto (CLCA) program for low-income drivers. Auto insurance in Palmdale, CA must meet the state minimum liability requirements of 15/30/5, although drivers are encouraged to increase these limits and add additional coverages.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Liberty Mutual offers the cheapest Palmdale, CA auto insurance
- Auto insurance in Palmdale is more expensive than state and national averages
- Some drivers may qualify for the California Low-Cost Auto (CLCA) program for low-income drivers
Palmdale, CA auto insurance is very expensive. In fact, rates are higher than the national and California auto insurance averages.
However, you can still find affordable Palmdale, CA auto insurance if you know where to look. Shop around and compare rates from the best auto insurance companies to find cheap auto insurance for you.
Monthly Palmdale, CA Car Insurance Rates by ZIP Code
Find more info about the monthly Palmdale, CA auto insurance rates by ZIP Code below:
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Palmdale, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Palmdale, CA against other top US metro areas’ auto insurance rates.
Enter your ZIP code now to compare Palmdale, CA auto insurance quotes from multiple companies near you.
What is the cheapest auto insurance company in Palmdale, CA?
Liberty Mutual on average offers the cheapest Palmdale auto insurance, but rates will be different for each driver.
The cheapest Palmdale, CA car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California car insurance company rates?” We cover that as well.
These are the top Palmdale, CA auto insurance companies listed from the cheapest to the most expensive:
- Liberty Mutual – $3,039.50
- Geico – $3,055.00
- USAA – $3,178.00
- Progressive – $3,548.04
- Travelers – $3,736.26
- Allstate – $5,191.97
- State Farm – $5,571.26
- Nationwide – $5,696.15
- Farmers – $6,235.58
Your auto insurance rates are affected by many different factors, such as your age and driving record. Many companies will also use gender to determine your rates, but California is one of the few states that doesn’t allow it.
Your rates are also influenced by where you live. auto insurance is more expensive in larger cities with more crime and traffic. Los Angeles auto insurance, for example, is more costly than coverage in Palmdale, despite the fact that the two cities are close.
California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.
Palmdale, California car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.
Your coverage level will play a major role in your Palmdale, CA car insurance rates. Find the cheapest Palmdale, California car insurance rates by coverage level below:
Your driving record will affect your Palmdale car insurance rates. For example, a Palmdale, California DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Palmdale, California car insurance rates by driving record.
Factors affecting car insurance rates in Palmdale, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Palmdale, California car insurance.
These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Palmdale. CA does use gender, so check out the average monthly car insurance rates by age and gender in Palmdale, CA.
What auto insurance coverage is required in Palmdale, CA?
Almost every state, including California, requires at least a minimum amount of auto insurance for drivers to drive legally.
The minimum auto insurance requirements for Palmdale drivers are:
- $15,000 per person and $30,000 per incident for bodily injury liability
- $5,000 per incident for property damage
These are very low minimums, and drivers should consider increasing them and adding additional coverages. These low minimums won’t completely protect you in a major accident, leaving you to pay out of pocket for everything not covered.
Consider adding collision and comprehensive insurance to your policy. Collision insurance assists in paying for damages incurred as a result of an accident. Comprehensive insurance covers accidents that aren’t caused by an accident, such as those caused by the Palmdale, CA weather.
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What affects auto insurance rates in Palmdale, CA?
Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident.
Although INRIX doesn’t have data for Palmdale, it does rank nearby Los Angeles, CA as the fifth most congested city in the U.S. and the 37th-most congested city in the world.
City-Data reports that most drivers in Palmdale, CA commute around 20 minutes and most choose to drive alone, which contributes to the expensive Palmdale, CA car insurance rates.
Theft can also raise your rates. According to the FBI, there were 435 motor vehicle thefts in one year in Palmdale.
Palmdale, CA Auto Insurance: The Bottom Line
Palmdale auto insurance is much more expensive than average, but Liberty Mutual offers the cheapest coverage on average in the city.
Before you buy Palmdale, CA auto insurance, shop around to find the best deal for you. Each company will offer different rates so comparison shopping is a must.
Enter your ZIP code to compare Palmdale, CA auto insurance rates for free.
Frequently Asked Questions
What types of auto insurance coverage are available in Palmdale, CA?
Palmdale, CA offers various types of auto insurance coverage, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and medical payments coverage. Each type of coverage offers different levels of protection.
Is auto insurance mandatory in Palmdale, CA?
Yes, auto insurance is mandatory in Palmdale, CA. California state law requires all drivers to carry a minimum amount of liability insurance to cover bodily injury and property damage caused to others in case of an accident.
What is the minimum liability insurance requirement in Palmdale, CA?
A4: In Palmdale, CA, the minimum liability insurance requirements are as follows:
- $15,000 for injury or death of one person
- $30,000 for injury or death of multiple people
- $5,000 for property damage
Can I choose to purchase additional coverage beyond the minimum requirement?
Yes, it is highly recommended to purchase additional coverage beyond the minimum requirement. While the minimum liability coverage meets legal obligations, it may not provide adequate protection in the event of a serious accident or loss. Additional coverage can safeguard your own vehicle and offer increased liability limits.
How are auto insurance rates determined in Palmdale, CA?
Auto insurance rates in Palmdale, CA are determined by several factors, including your driving record, age, gender, the type of vehicle you drive, your credit history, the coverage options you choose, and the deductible amount. Insurance companies may also consider local factors such as crime rates and accident statistics.
Are there any discounts available for auto insurance in Palmdale, CA?
Yes, there are various discounts available for auto insurance in Palmdale, CA. Common discounts include good driver discounts, multi-vehicle discounts, bundling policies, discounts for safety features in your vehicle, and discounts for completing defensive driving courses. It’s best to check with insurance providers to see which discounts you may qualify for.
What should I do if I’m involved in an auto accident in Palmdale, CA?
If you’re involved in an auto accident in Palmdale, CA, take the following steps:
- Ensure everyone’s safety and call for emergency medical assistance if needed.
- Exchange contact, insurance, and vehicle information with the other parties involved.
- Document the accident scene by taking photos and gathering witness statements, if possible.
- Report the accident to your insurance company and provide all relevant details.
- Cooperate with the insurance company’s claims process and follow their instructions.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
