Best Palm Springs, California Auto Insurance in 2024
The average Palm Springs, CA auto insurance rates are $312 per month. The minimum auto insurance in Palm Springs is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Palm Springs, California, compare quotes from multiple companies.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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
- The average commute length in Palm Springs is 21.5 minutes
- The minimum auto insurance required in Palm Springs, California is 15/30/5
- The most expensive auto insurance company in Palm Springs for teen drivers is Farmers
Palm Springs, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Palm Springs can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Palm Springs, California, including driving record, credit, commute time, and more.
Compare auto insurance in Palm Springs to other California cities, including San Francisco auto insurance rates, Long Beach auto insurance rates, and Fresno auto insurance rates to see how Palm Springs, California auto insurance rates stack up.
Before you buy Palm Springs, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Palm Springs, California auto insurance quotes.
Minimum Auto Insurance in Palm Springs, California
Palm Springs, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Palm Springs, California.
Minimum Required Auto Insurance Coverage in Palm Springs, 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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Cheap Palm Springs, California Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Palm Springs, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Palm Springs, 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 | $2,802 | $2,831 | $2,020 | $2,071 | $7,555 | $9,564 | $3,677 | $4,145 |
| Farmers | $2,967 | $2,967 | $2,670 | $2,670 | $9,449 | $15,482 | $3,513 | $3,908 |
| Geico | $1,711 | $1,712 | $1,610 | $1,610 | $5,183 | $5,281 | $2,455 | $2,516 |
| Liberty Mutual | $2,151 | $2,037 | $1,994 | $1,932 | $4,642 | $4,943 | $2,424 | $2,448 |
| Nationwide | $3,420 | $3,269 | $2,989 | $2,820 | $8,614 | $9,536 | $4,069 | $4,025 |
| Progressive | $1,957 | $2,016 | $1,661 | $1,976 | $5,239 | $6,330 | $2,832 | $3,050 |
| State Farm | $3,369 | $3,369 | $3,004 | $3,004 | $6,163 | $7,670 | $3,723 | $3,834 |
| Travelers | $2,495 | $2,420 | $2,193 | $2,171 | $5,105 | $5,811 | $3,222 | $3,169 |
| USAA | $1,948 | $1,846 | $1,900 | $1,908 | $4,431 | $4,451 | $2,690 | $2,543 |
Cheap Palm Springs, California Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Palm Springs, California is a challenge. Take a look at the annual teen auto insurance rates in Palm Springs, California.
Annual Auto Insurance Rates for Teen Drivers in Palm Springs, California
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,555 | $9,564 |
| Farmers | $9,449 | $15,482 |
| Geico | $5,183 | $5,281 |
| Liberty Mutual | $4,642 | $4,943 |
| Nationwide | $8,614 | $9,536 |
| Progressive | $5,239 | $6,330 |
| State Farm | $6,163 | $7,670 |
| Travelers | $5,105 | $5,811 |
| USAA | $4,431 | $4,451 |
Cheap Palm Springs, California Auto Insurance for Seniors
What are senior auto insurance rates in Palm Springs, California? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Palm Springs, California
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,020 | $2,071 |
| Farmers | $2,670 | $2,670 |
| Geico | $1,610 | $1,610 |
| Liberty Mutual | $1,994 | $1,932 |
| Nationwide | $2,989 | $2,820 |
| Progressive | $1,661 | $1,976 |
| State Farm | $3,004 | $3,004 |
| Travelers | $2,193 | $2,171 |
| USAA | $1,900 | $1,908 |
Cheap Palm Springs, California Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Palm Springs, California compared to the annual auto insurance rates with a clean record in Palm Springs, California.
Annual Palm Springs, California Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,590 | $4,426 | $6,901 | $3,415 |
| Farmers | $4,034 | $5,490 | $6,838 | $5,452 |
| Geico | $1,931 | $2,973 | $3,739 | $2,396 |
| Liberty Mutual | $2,448 | $3,281 | $2,962 | $2,594 |
| Nationwide | $3,376 | $4,330 | $7,335 | $4,330 |
| Progressive | $2,046 | $3,483 | $4,053 | $2,949 |
| State Farm | $3,041 | $3,630 | $6,865 | $3,532 |
| Travelers | $2,225 | $3,610 | $4,195 | $3,263 |
| USAA | $1,803 | $2,682 | $4,397 | $1,976 |
Cheap Palm Springs, California Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Palm Springs, California is not easy. Compare the annual rates for DUI auto insurance in Palm Springs, California to find the best deal.
Annual Auto Insurance Rates After a DUI in Palm Springs, California
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,901 |
| Farmers | $6,838 |
| Geico | $3,739 |
| Liberty Mutual | $2,962 |
| Nationwide | $7,335 |
| Progressive | $4,053 |
| State Farm | $6,865 |
| Travelers | $4,195 |
| USAA | $4,397 |
Cheap Palm Springs, California Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Palm Springs, California can vary. Compare the annual cost of auto insurance by ZIP code in Palm Springs, California to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Palm Springs, California
| ZIP Code | Average Annual Rates |
|---|---|
| 92262 | $5,251 |
| 92264 | $4,976 |
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Cheap Palm Springs, California Auto Insurance Rates By Commute
Commute length and annual mileage affect Palm Springs, California auto insurance. Find the cheapest annual Palm Springs, California auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Palm Springs, California
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,911 | $4,755 |
| Farmers | $4,948 | $5,959 |
| Geico | $2,507 | $3,012 |
| Liberty Mutual | $2,589 | $3,054 |
| Nationwide | $4,277 | $5,408 |
| Progressive | $2,844 | $3,422 |
| State Farm | $4,110 | $4,424 |
| Travelers | $2,991 | $3,656 |
| USAA | $2,501 | $2,928 |
Cheap Palm Springs, California Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Palm Springs, California? Check out the comparison of annual Palm Springs, California auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Palm Springs, California
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,155 | $4,363 | $4,481 |
| Farmers | $5,077 | $5,496 | $5,788 |
| Geico | $2,497 | $2,789 | $2,993 |
| Liberty Mutual | $2,629 | $2,845 | $2,991 |
| Nationwide | $4,338 | $4,923 | $5,268 |
| Progressive | $2,814 | $3,223 | $3,361 |
| State Farm | $3,832 | $4,342 | $4,627 |
| Travelers | $2,890 | $3,412 | $3,669 |
| USAA | $2,457 | $2,768 | $2,919 |
Best By Category: Cheapest Auto Insurance in Palm Springs, California
Compare the cheapest auto insurance companies in Palm Springs, California in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Palm Springs, California
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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The Cheapest Palm Springs, California Auto Insurance Companies
What auto insurance companies in Palm Springs, California are the cheapest? Compare the top Palm Springs, California auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Palm Springs, California
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,333 |
| Farmers | $5,454 |
| Geico | $2,760 |
| Liberty Mutual | $2,821 |
| Nationwide | $4,843 |
| Progressive | $3,133 |
| State Farm | $4,267 |
| Travelers | $3,323 |
| USAA | $2,715 |
What affects auto insurance rates in Palm Springs, California?
There are a lot of reasons why auto insurance rates in Palm Springs, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Palm Springs, California. Many local factors may affect your Palm Springs auto insurance rates.
Palm Springs Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Palm Springs, California auto theft statistics, there have been 275 auto thefts in the city.
Palm Springs Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Palm Springs, California commute length is 21.5 minutes according to City-Data.
Compare Palm Springs, California Auto Insurance Quotes
Before you buy Palm Springs, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Palm Springs, California auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
Are there any discounts available for auto insurance in Palm Springs, California?
Yes, there are various discounts available that can help you save on auto insurance in Palm Springs, California. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, and discounts for completing defensive driving courses. It’s best to check with your insurance provider to see which discounts you may qualify for.
What happens if I drive without auto insurance in Palm Springs, California?
Driving without auto insurance in Palm Springs, California is illegal and can result in penalties. If caught driving without insurance, you may face fines, license suspension, and potentially have your vehicle impounded. Additionally, if you’re involved in an accident and are uninsured, you may be personally responsible for all damages and injuries.
How can I find affordable auto insurance in Palm Springs, California?
To find affordable auto insurance in Palm Springs, California, it’s recommended to compare quotes from multiple insurance providers. You can contact insurance agents directly or use online comparison tools to gather quotes. It’s also a good idea to review your coverage options and consider adjusting your deductibles to find a balance between affordability and adequate coverage.
Does my credit score affect my auto insurance rates in Palm Springs, California?
Yes, in Palm Springs, California, like in many other states, your credit score can influence your auto insurance rates. Insurance companies often consider credit-based insurance scores as part of their underwriting process. A good credit score is generally associated with lower rates, while a poor credit score may result in higher premiums. It’s a good idea to maintain good credit to potentially receive more favorable insurance rates.
Can I use my existing auto insurance when I move to Palm Springs, California?
If you’re moving to Palm Springs, California, you may be able to use your existing auto insurance policy from another state temporarily. However, it’s essential to update your policy to comply with the insurance requirements specific to California. You will need to notify your insurance provider about your move and provide them with your new address in Palm Springs. They can help you adjust your coverage and ensure compliance with California’s auto insurance regulations.
Can I make changes to my auto insurance policy in Palm Springs, California?
Yes, you can make changes to your auto insurance policy in Palm Springs, California. If you need to adjust your coverage limits, add or remove vehicles, or update your personal information, contact your insurance provider. They will guide you through the necessary steps to make changes to your policy.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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.