Compare Palm Desert, CA Car Insurance Rates (2021)

Car insurance in Palm Desert, CA averages $288 a month. Palm Desert, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Palm Desert car insurance rates, compare quotes from the top car insurance companies in Palm Desert, 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 Palm Desert, CA are $3,453/year
  • Average car insurance rates in Palm Desert, CA after a DUI are $4,859/year
  • The cheapest ZIP code in Palm Desert is 92211

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

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

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

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

How do age, gender, and marital status affect Palm Desert, CA car insurance rates? Every Palm Desert, 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 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

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Minimum Car Insurance in Palm Desert, CA

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

Minimum Required Car 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

Cheapest Palm Desert, 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 Palm Desert, CA to rates for a clean record with top companies.

Annual Palm Desert, California Car 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

Cheapest Palm Desert, CA Car Insurance for Teen Drivers

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

Annual Car 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

Cheapest Palm Desert, CA Car Insurance for Seniors

Take a look at Palm Desert, 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 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

Cheapest Palm Desert, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car 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

Cheapest Palm Desert, CA Car Insurance Rates by Commute Length

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

Annual Car 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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Cheapest Palm Desert, CA Car Insurance Rates by ZIP Code

Palm Desert car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Palm Desert, CA.

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

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

The Best Cheap Car Insurance Companies in Palm Desert, CA

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

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Palm Desert, California

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

Best Annual Car 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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Cheapest Palm Desert, CA Car Insurance Rates by Coverage Level

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

Annual Car 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

What affects car insurance rates in Palm Desert, California?

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

Car Theft in Palm Desert

High levels of vehicle theft can make car insurance more expensive. Palm Desert, CA car theft statistics from the FBI indicate 130 vehicle thefts a year.

Commute Time in Palm Desert

The more time you spend in your car the higher the risk of an accident. The average commute length in Palm Desert, CA is 19.1 minutes according to City-Data.

Compare Car Insurance Quotes in Palm Desert, CA

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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