Compare Palm Springs, CA Car Insurance Rates (2021)

Car insurance in Palm Springs, CA averages $312 a month. Palm Springs, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Palm Springs car insurance rates, compare quotes from the top car insurance companies in Palm Springs, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Springs, CA are $3,739/year
  • The cheapest ZIP code in Palm Springs is 92264
  • The cheapest car insurance company in Palm Springs for teen drivers is USAA

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

You’ll find Palm Springs car insurance rates, the cheapest Palm Springs, CA car insurance companies, and information on California car insurance laws. You can also compare Palm Springs, California car insurance rates to Oakland car insurance rates, Anaheim car insurance rates, and Los Angeles car insurance rates.

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

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

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

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Minimum Car Insurance in Palm Springs, CA

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

Minimum Required Car 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

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

Annual Palm Springs, California Car 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

Cheapest Palm Springs, CA Car Insurance for Teen Drivers

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

Annual Car 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

Cheapest Palm Springs, CA Car Insurance for Seniors

Take a look at Palm 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 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

Cheapest Palm Springs, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car 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

Cheapest Palm Springs, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Palm 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 Palm Springs, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

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Cheapest Palm Springs, CA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
92262 $5,251
92264 $4,976

The Best Cheap Car Insurance Companies in Palm Springs, CA

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

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Palm Springs, California

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

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

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

Annual Car 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

What affects car insurance rates in Palm Springs, California?

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

Car Theft in Palm Springs

High levels of vehicle theft can make car insurance more expensive. Palm Springs, CA car theft statistics from the FBI indicate 275 vehicle thefts a year.

Commute Time in Palm Springs

The more time you spend in your car the higher the risk of an accident. The average commute length in Palm Springs, CA is 21.5 minutes according to City-Data.

Compare Car Insurance Quotes in Palm Springs, CA

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

Free Car Insurance Comparison

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