Best Cheap Auto Insurance in Palm Springs, CA (2021)

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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2021

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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.

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Things to Remember

  • 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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