Compare Palmdale, CA Car Insurance Rates (2021)

The cheapest Palmdale, CA car insurance is offered by Liberty Mutual, but rates will vary by driver. Auto insurance in Palmdale must meet the state minimum liability requirements of 15/30/5, although drivers are encouraged to increase these limits and add additional coverages. Compare Palmdale, CA auto insurance rates online to find your best deal.

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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: Aug 17, 2021

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Here's what you need to know...

  • Liberty Mutual offers the cheapest Palmdale, CA car insurance
  • Auto insurance in Palmdale is more expensive than state and national averages
  • Some drivers may qualify for the California Low-Cost Auto (CLCA) program for low-income drivers

Palmdale, CA car insurance is very expensive. In fact, rates are higher than the national and California car insurance averages.

However, you can still find affordable Palmdale, CA car insurance if you know where to look. Shop around and compare rates from multiple companies to find cheap car insurance for you,

Monthly Palmdale, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Palmdale, California auto insurance rates by ZIP Code below:

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Palmdale, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Palmdale, California stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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Enter your ZIP code now to compare Palmdale, CA car insurance quotes from multiple companies near you.

What is the cheapest car insurance company in Palmdale, CA?

Liberty Mutual on average offers the cheapest Palmdale car insurance, but rates will be different for each driver.

Which Palmdale, CA car insurance company has the best rates? And how do those rates compare against the average California car insurance company rates? We’ve got the answers below.

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These are the top Palmdale, CA car insurance companies listed from the cheapest to the most expensive:

  • Liberty Mutual – $3,039.50
  • GEICO – $3,055.00
  • USAA – $3,178.00
  • Progressive – $3,548.04
  • Travelers – $3,736.26
  • Allstate – $5,191.97
  • State Farm – $5,571.26
  • Nationwide – $5,696.15
  • Farmers – $6,235.58

Your car insurance rates are affected by many different factors, such as your age and driving record. Many companies will also use gender to determine your rates, but California is one of the few states that doesn’t allow it.

Your rates are also influenced by where you live. Car insurance is more expensive in larger cities with more crime and traffic. Los Angeles car insurance, for example, is more costly than coverage in Palmdale, despite the fact that the two cities are close.

California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

Palmdale, CA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Palmdale car insurance rates. Find the cheapest Palmdale, CA car insurance rates by coverage level below:

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Your driving record will play a major role in your Palmdale car insurance rates. For example, other factors aside, a Palmdale, CA DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Palmdale, CA car insurance rates by driving record.

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Factors affecting car insurance rates in Palmdale, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Palmdale, California car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. CA does use gender, so check out the average monthly car insurance rates by age and gender in Palmdale, CA.

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What car insurance coverage is required in Palmdale, CA?

Almost every state, including California, requires at least a minimum amount of auto insurance for drivers to drive legally.

The minimum auto insurance requirements for Palmdale drivers are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These are very low minimums, and drivers should consider increasing them and adding additional coverages. These low minimums won’t completely protect you in a major accident, leaving you to pay out of pocket for everything not covered.

Consider adding collision and comprehensive insurance to your policy. Collision insurance assists in paying for damages incurred as a result of an accident. Comprehensive insurance covers accidents that aren’t caused by an accident, such as those caused by the Palmdale, CA weather.

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What affects car insurance rates in Palmdale, CA?

Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident.

Although INRIX doesn’t have data for Palmdale, it does rank nearby Los Angeles, CA as the fifth most congested city in the U.S. and the 37th-most congested city in the world.

City-Data reports that most drivers in Palmdale, CA commute around 20 minutes and most choose to drive alone.

Theft can also raise your rates. According to the FBI, there were 435 motor vehicle thefts in one year in Palmdale.

Palmdale, CA Car Insurance: The Bottom Line

Palmdale car insurance is much more expensive than average, but Liberty Mutual offers the cheapest coverage on average in the city.

Before you buy Palmdale, CA car insurance, shop around to find the best deal for you. Each company will offer different rates so comparison shopping is a must.

Enter your ZIP code to compare Palmdale, CA car insurance rates for free.

Free Car Insurance Comparison

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

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Monthly Palmdale, CA Car Insurance Rates by ZIP Code
Palmdale, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Palmdale, CA Car Insurance Rates by Company vs. City Average
Palmdale, CA Car Insurance Rates by Company and Age
The Cheapest Palmdale, CA Car Insurance Rates by Coverage Level
The Cheapest Palmdale, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Palmdale, CA
Average Monthly Car Insurance Rates by Age & Gender in Palmdale, CA
Monthly Palmdale, CA Car Insurance Rates by ZIP Code
Palmdale, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Palmdale, CA Car Insurance Rates by Company vs. City Average
Palmdale, CA Car Insurance Rates by Company and Age
The Cheapest Palmdale, CA Car Insurance Rates by Coverage Level
The Cheapest Palmdale, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Palmdale, CA
Average Monthly Car Insurance Rates by Age & Gender in Palmdale, CA