Compare Desert Hot Springs, CA Car Insurance Rates (2021)

Car insurance in Desert Hot Springs, CA averages $319 a month. Desert Hot Springs, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Desert Hot Springs car insurance rates, compare quotes from the top car insurance companies in Desert Hot Springs, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Desert Hot Springs, CA are $3,829/year
  • Average car insurance rates in Desert Hot Springs, CA after a DUI are $5,405/year
  • The cheapest car insurance company in Desert Hot Springs for teen drivers is USAA

If you need to buy Desert Hot Springs, California car insurance, the options can be confusing. Everything you need to know about car insurance in Desert Hot Springs, CA is right here.

You’ll find Desert Hot Springs car insurance rates, the cheapest Desert Hot Springs, CA car insurance companies, and information on California car insurance laws. You can also compare Desert Hot Springs, California car insurance rates to Long Beach car insurance rates, Los Angeles car insurance rates, and San Jose car insurance rates.

Ready to find affordable Desert Hot Springs, CA car insurance today? Enter your ZIP code for fast, free Desert Hot Springs car insurance quotes.

Cheapest Desert Hot Springs, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Desert Hot Springs, CA car insurance rates? Every Desert Hot Springs, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Desert Hot 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 $2,946 $2,971 $2,120 $2,168 $7,928 $10,017 $3,841 $4,308
Farmers $2,908 $2,908 $2,605 $2,605 $9,239 $15,187 $3,439 $3,821
GEICO $1,937 $1,940 $1,824 $1,824 $5,814 $5,928 $2,772 $2,849
Liberty Mutual $2,140 $2,022 $1,983 $1,922 $4,570 $4,887 $2,405 $2,436
Nationwide $3,484 $3,338 $3,028 $2,866 $8,642 $9,590 $4,143 $4,111
Progressive $1,907 $1,959 $1,627 $1,926 $5,045 $6,071 $2,764 $2,967
State Farm $3,698 $3,698 $3,291 $3,291 $6,692 $8,336 $4,082 $4,203
Travelers $2,468 $2,395 $2,167 $2,146 $5,023 $5,728 $3,183 $3,135
USAA $2,018 $1,914 $1,968 $1,980 $4,559 $4,582 $2,786 $2,636

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Minimum Car Insurance in Desert Hot Springs, CA

Every driver must carry the minimum car insurance in Desert Hot Springs, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Desert Hot 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

Cheapest Desert Hot Springs, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Desert Hot Springs, CA to rates for a clean record with top companies.

Annual Desert Hot Springs, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,713 $4,624 $7,238 $3,575
Farmers $3,947 $5,373 $6,699 $5,337
GEICO $2,181 $3,337 $4,221 $2,706
Liberty Mutual $2,425 $3,250 $2,936 $2,571
Nationwide $3,413 $4,380 $7,428 $4,380
Progressive $1,981 $3,372 $3,923 $2,857
State Farm $3,317 $3,962 $7,511 $3,855
Travelers $2,202 $3,558 $4,142 $3,220
USAA $1,863 $2,769 $4,548 $2,042

Cheapest Desert Hot Springs, CA Car Insurance for Teen Drivers

Teen car insurance in Desert Hot Springs, CA can be expensive. Take a look at rates from the top car insurance companies in Desert Hot Springs for teenagers.

Annual Car Insurance Rates for Teen Drivers in Desert Hot Springs, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,928 $10,017
Farmers $9,239 $15,187
GEICO $5,814 $5,928
Liberty Mutual $4,570 $4,887
Nationwide $8,642 $9,590
Progressive $5,045 $6,071
State Farm $6,692 $8,336
Travelers $5,023 $5,728
USAA $4,559 $4,582

Cheapest Desert Hot Springs, CA Car Insurance for Seniors

Take a look at Desert Hot Springs, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Desert Hot Springs, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,120 $2,168
Farmers $2,605 $2,605
GEICO $1,824 $1,824
Liberty Mutual $1,983 $1,922
Nationwide $3,028 $2,866
Progressive $1,627 $1,926
State Farm $3,291 $3,291
Travelers $2,167 $2,146
USAA $1,968 $1,980

Cheapest Desert Hot Springs, CA Car Insurance Rates After a DUI

A DUI in Desert Hot Springs, CA increases car insurance rates. Compare Desert Hot Springs, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Desert Hot Springs, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,238
Farmers $6,699
GEICO $4,221
Liberty Mutual $2,936
Nationwide $7,428
Progressive $3,923
State Farm $7,511
Travelers $4,142
USAA $4,548

Cheapest Desert Hot Springs, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Desert Hot Springs, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Desert Hot Springs, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,090 $4,985
Farmers $4,845 $5,833
GEICO $2,827 $3,396
Liberty Mutual $2,565 $3,026
Nationwide $4,334 $5,466
Progressive $2,754 $3,312
State Farm $4,489 $4,834
Travelers $2,952 $3,609
USAA $2,585 $3,025

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The Best Cheap Car Insurance Companies in Desert Hot Springs, CA

Take a look at a side-by-side comparison of the top car insurance companies in Desert Hot Springs, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Desert Hot Springs, California

Insurance Company Average Annual Rates
Allstate $4,537
Farmers $5,339
GEICO $3,111
Liberty Mutual $2,796
Nationwide $4,900
Progressive $3,033
State Farm $4,661
Travelers $3,280
USAA $2,805

Category Winners: Cheapest Car Insurance in Desert Hot Springs, California

Find the cheapest car insurance companies in Desert Hot Springs, CA for each category right here.

Best Annual Car Insurance Rates by Company in Desert Hot Springs, California

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

Cheapest Desert Hot Springs, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Desert Hot Springs car insurance rates. Find the cheapest Desert Hot Springs, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Desert Hot Springs, California

Insurance Company Low Medium High
Allstate $4,320 $4,572 $4,720
Farmers $4,987 $5,378 $5,652
GEICO $2,800 $3,144 $3,389
Liberty Mutual $2,594 $2,819 $2,973
Nationwide $4,407 $4,978 $5,315
Progressive $2,698 $3,124 $3,278
State Farm $4,221 $4,738 $5,025
Travelers $2,864 $3,366 $3,611
USAA $2,545 $2,860 $3,012

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What affects car insurance rates in Desert Hot Springs, California?

What factors can have an impact on Desert Hot Springs, CA car insurance? There are several reasons why Desert Hot Springs car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Desert Hot Springs, California.

Car Theft in Desert Hot Springs

High levels of vehicle theft can make car insurance more expensive. Desert Hot Springs, CA car theft statistics from the FBI indicate 167 vehicle thefts a year.

Commute Time in Desert Hot Springs

The more time you spend in your car the higher the risk of an accident. The average commute length in Desert Hot Springs, CA is 27.2 minutes according to City-Data.

Compare Car Insurance Quotes in Desert Hot Springs, CA

Ready to find affordable Desert Hot Springs, California car insurance today? Enter your ZIP code for fast, free Desert Hot Springs, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State