To secure the best rates, comparing quotes from various companies is essential. This ensures you find the right coverage at a price that suits your budget. This is especially crucial when looking for full-coverage auto insurance, as it helps you understand the options available and select the best fit for your needs.
Best Palmdale, California Auto Insurance in 2024 (Check Out the Top 10 Companies)
Progressive, Allstate, and Geico have the best Palmdale, California, auto insurance from $120/month. Progressive has the lowest rates, Allstate has good customer service and Geico offers low-cost coverage in Palmdale making them a solid bet if you're looking for the best insurance.
UPDATED: Oct 24, 2024Fact Checked
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
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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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
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.
On This Page
UPDATED: Oct 24, 2024Fact Checked
Top Pick in Palmdale California: Progressive
13,128 reviewsCompany Facts
Full Coverage in Palmdale California
$285/moA.M. Best Rating
A+Complaint Level
LowPros & Cons
13,128 reviewsBest Palmdale CA Program: Allstate
11,413 reviewsCompany Facts
Full Coverage in Palmdale California
$310/moA.M. Best Rating
A+Complaint Level
LowPros & Cons
11,413 reviewsBest Palmdale CA Premiums: Geico
19,116 reviewsCompany Facts
Full Coverage in Palmdale California
$270/moA.M. Best Rating
A++Complaint Level
MedPros & Cons
19,116 reviews
Progressive, Allstate, and Geico are the best auto insurance rates in Palmdale, California, starting at $120/month. Progressive has the best rates and is our top overall consistent pick, though Allstate is an award-winning customer service provider. At the same time, Geico gives you some of the most affordable coverages.
In Palmdale, rates are right around average due to high traffic and crime—all the more reason to request quotes from various providers when looking for the best deal on car insurance that fits your needs, whether you’re seeking basic coverage or comprehensive protection.
Our Top 10 Company Picks: Best Palmdale, California Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 18% A+ High-Risk Drivers Progressive
#2 20% A+ Drivewise Program Allstate
#3 22% A++ Affordable Premiums Geico
#4 15% A Comprehensive Coverage Farmers
#5 19% A New Drivers Liberty Mutual
#6 17% B Safe Drivers State Farm
#7 25% A++ Military Families USAA
#8 16% A California Drivers Mercury
#9 23% A+ Home-Auto Bundles Nationwide
#10 21% A++ Environmentally-Conscious Vehicles Travelers
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Read More: California Auto Insurance
You have to be sure that you read up on this to make the best decisions based on factors affecting California auto insurance in your area. By entering your ZIP code into our comparison tool today, please find the best auto insurance rates, no matter how much coverage you need.
Things to Remember
- Progressive offers the best overall rates, starting at $120 per month
- Palmdale drivers face higher insurance rates due to traffic and theft risks
- Compare the best Palmdale, California auto insurance to find affordable coverage
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#1 – Progressive: Top Overall Pick
Pros
- High-risk Drivers: Insurance coverage is more accessible in Palmdale, California, as Progressive provides low-cost rates for high-risk drivers.
- Adjustable Policies: Palmdale, CA Drivers can customize their car insurance with Progressive to cover the basics. For more, read our Progressive auto insurance review.
- Multi-Policy Discounts: Progressive offers discounts to Palmdale residents who bundle insurance policies, including 18% savings on car, home, or renters insurance.
Cons
- Bottom-Premium Low-Risk Drivers: Indeed, these low-risk drivers in Palmdale, CA, might incur Progressive insurance rates more than the rest of the company.
- Few Local Representatives: Fewer local agents in Palmdale, California, may annoy drivers looking for individualized assistance.
#2 – Allstate: Best for Drivewise Program
Pros
- Drivewise: Allstate offers car insurance in Palmdale, CA, that rewards your safe driving routine by giving you a discounted rate.
- Bundling Savings: Palmdale residents can bundle car and home insurance to save up to 20% on Allstate insurance. For more information, check out our Allstate auto insurance review.
- Financial Strength: Allstate’s A+ rating means Palmdale car insurance holders can count on stability and longevity with their auto coverage.
Cons
- More Expensive For Many Drivers: Allstate could hike your car insurance prices if you have a not-so-perfect driving record in Palmdale, CA.
- Claims Process: There have been reports that the claims process with Allstate can be complex and take a very long time to complete for some Palmdale insurance customers.
#3 – Geico: Best for Affordable Premiums
Pros
- Affordable Premiums: Geico offers some of the lowest car insurance rates for drivers in Palmdale, California, making it ideal for budget-conscious residents.
- Convenient Online Tools: Drivers in Palmdale, California, can easily manage their insurance policies through Geico’s user-friendly website and mobile app.
- Financial Stability: With an A++ rating, Geico offers Palmdale car insurance owners coverage backed by strong economic stability. For further information, read our Geico auto insurance review.
Cons
- Limited Local Presence: Palmdale, California, drivers looking for in-person insurance service may find Geico’s local offices lacking.
- Few Low-Mileage Discounts: Palmdale drivers who drive fewer miles annually may find fewer insurance discounts with Geico than other providers.
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#4 – Farmers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Farmers offers Palmdale, California, drivers extensive car insurance options, including comprehensive and collision coverage.
- Efficient Claims Handling: Palmdale drivers can expect reliable and fast claims service from Farmers, making their insurance experience hassle-free.
- Customizable Policies: Farmers allow Palmdale, California, drivers to add features like roadside assistance and rental coverage to their car insurance.
Cons
- Higher Rates for Younger Drivers: In Palmdale, California, insurance premiums with Farmers can be expensive for younger or less-experienced drivers.
- Fewer Discount Options: Farmers offer limited car insurance discounts for Palmdale drivers compared to other major insurers. Discover more details in our Farmers auto insurance review.
#5 – Liberty Mutual: Best for New Drivers
Pros
- New Driver Discounts: Liberty Mutual provides excellent car insurance discounts for new drivers in Palmdale, California, making it affordable for teens and families.
- Bundling Savings: Palmdale residents can save up to 19% on insurance when bundling car insurance with home or renters policies from Liberty Mutual.
- Comprehensive Coverage Options: Liberty Mutual offers various car insurance policies for Palmdale drivers, ensuring coverage for personal injury, liability, and more.
Cons
- Higher Rates for High-Risk Drivers: High-risk drivers in Palmdale, California, might find Liberty Mutual’s insurance premiums less competitive than other providers.
- Limited In-Person Support: Palmdale drivers looking for local agent support may find Liberty Mutual’s availability lacking in California. Learn more by reviewing our Liberty Mutual auto insurance review.
#6 – State Farm: Best for Safe Drivers
Pros
- Safe Driver Discounts: State Farm offers significant discounts for drivers with clean records in Palmdale, California, helping them lower insurance costs.
- Local Agent Network: Palmdale, California, residents benefit from State Farm’s strong local presence, making it easy to get personalized insurance help.
- Good Customer Service: State Farm offers quick support for Palmdale drivers with their car insurance claims. Learn more in our State Farm auto insurance review.
Cons
- Limited Coverage Options: Palmdale drivers may find that State Farm’s car insurance offerings lack the flexibility or variety of other providers.
- Higher Rates for High-Risk Drivers: In Palmdale, California, drivers with a history of accidents might face higher car insurance premiums with State Farm.
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#7 – USAA: Best for Military Families
Pros
- Military Discounts: USAA provides significant car insurance savings for military members and their families in Palmdale, California. Uncover more insights in our USAA auto insurance review.
- High Customer Satisfaction: Palmdale drivers using USAA benefit from consistently high customer service ratings, which ensure reliable support.
- Top Financial Stability: USAA’s A++ rating from a financially strong company provides coverage for car insurance owners in Palmdale, California.
Cons
- Restricted Eligibility: USAA car insurance in Palmdale, California, is only available to military personnel and their families, limiting who can apply.
- No Local Branches: Palmdale residents who prefer in-person service may find USAA’s lack of physical offices inconvenient for insurance needs.
#8 – Mercury: Best for California Drivers
Pros
- Affordable for California Drivers: Mercury offers some of the lowest car insurance rates for drivers in Palmdale, California, making it budget-friendly.
- Strong Local Presence: Mercury has a solid network of agents in Palmdale, California, providing personalized support for car insurance owners.
- Coverage for High-Risk Drivers: Mercury offers affordable car insurance for Palmdale drivers with previous accidents or traffic violations on their records.
Cons
- Limited Availability Outside California: Mercury’s car insurance coverage is focused on California, limiting its availability for drivers outside Palmdale.
- Higher Premiums for New Drivers: New Palmdale, California drivers may find Mercury’s car insurance rates higher than some competitors. For more details, explore our Mercury auto insurance review.
#9 – Nationwide: Best for Home-Auto Bundles
Pros
- Bundling Discounts: Palmdale residents can save up to 23% on car insurance when bundling with home insurance through Nationwide. Gain further insights from our Nationwide auto insurance review.
- Accident Forgiveness: Nationwide offers forgiveness, helping Palmdale drivers avoid premium increases after their first at-fault accident.
- Strong Customer Service: Nationwide is known for its responsive support, ensuring that car insurance owners in Palmdale, California, get timely help.
Cons
- Limited Discounts: In Palmdale, California, drivers may find fewer car insurance discount options with Nationwide than companies like Geico or Progressive.
- Higher Premiums for High-Risk Drivers: High-risk drivers in Palmdale may face higher car insurance premiums with Nationwide than other providers.
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#10 – Travelers: Best for Environmentally-Conscious Vehicles
Pros
- Green Vehicle Discounts: In Palmdale, California, drivers who own eco-friendly cars like hybrids or electric vehicles can get discounts on Traveler’s car insurance.
- High Financial Stability: Travelers has an A++ rating, providing Palmdale car insurance owners with reliable coverage from a financially sound company.
- Comprehensive Coverage: Travelers provides diverse car insurance options for Palmdale drivers. See our Travelers auto insurance review for details.
Cons
- Higher Premiums for Standard Vehicles: Palmdale drivers with non-environmentally friendly cars may find Travelers car insurance rates higher than other providers.
- Limited Local Agent Support: Due to Travelers’ focus on online services, Palmdale residents may have difficulty accessing in-person insurance help.
When looking for the best Palmdale, California auto insurance, it’s important to consider both minimum and full coverage options. Rates vary significantly by provider; the right plan depends on your specific needs and budget. Below is a comparison of monthly rates for minimum and full coverage from some of the top providers in Palmdale:
Palmdale, California Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$140 $310
$135 $295
$130 $270
$145 $320
$125 $280
$138 $300
$132 $285
$128 $265
$136 $290
$120 $255
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Auto Insurance Discounts From the Top Providers in Palmdale, California
Insurance Company Available Discounts
Multi-Policy, Safe Driver, Anti-Theft, Good Student, New Car
Multi-Car, Home/Auto Bundle, Safe Driver, Senior Discount
Multi-Vehicle, Defensive Driving, Military, Good Student
Multi-Policy, Accident-Free, Early Shopper, Paperless
Multi-Policy, Good Driver, Renewal, Electric/Hybrid Vehicle
SmartRide, Accident-Free, Defensive Driving, Multi-Policy
Multi-Car, Continuous Coverage, Good Student, Snapshot
Multi-Policy, Safe Driver, Good Student, Drive Safe & Save
Safe Driver, Multi-Policy, New Car, Hybrid Vehicle
Military, Family Legacy, Defensive Driving, Good Student
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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
The city in which you reside will significantly impact your car insurance. That’s why shopping around for the best auto insurance rates in Palmdale, CA, and other major U.S. metropolitan areas is essential.
The Cheapest Auto Insurance Company in Palmdale, CA
Your auto 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. Auto insurance is more expensive in larger cities with more crime and traffic. Los Angeles auto insurance, for example, is more costly than coverage in Palmdale, even though the two cities are close.
California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program provides shallow coverage to drivers who meet specific requirements.
Palmdale, California, car insurance rates by company and age are essential to a comparison. The top car insurance company for one age group may not be the best company for another age group.
Your coverage level will affect your Palmdale, CA, car insurance rates. Find the cheapest Palmdale, California car insurance rates by coverage level below:
Your driving record will affect your Palmdale car insurance rates. For example, a Palmdale, California DUI may increase your car insurance rates by 40 to 50 percent. Use your driving record to find the cheapest car insurance rates in Palmdale, California.
Factors affecting car insurance rates in Palmdale, CA, may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest car insurance in Palmdale, California.
These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. However, age is still significant because young drivers are considered high-risk in Palmdale. CA does use gender, so check out the average monthly car insurance rates by age and gender in Palmdale, CA.
In conclusion, while some states have moved away from using gender as a factor in determining car insurance rates, Palmdale continues to include it in their calculations. However, age remains critical, particularly for young drivers considered higher risk.
Understanding how these factors affect your insurance premiums is essential. By exploring the average monthly rates based on age and gender, you can make informed decisions and find the best coverage options for your needs in Palmdale.
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Required Auto Insurance Coverage 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.
Progressive is the top choice for Palmdale drivers, offering the lowest rates and comprehensive coverage options tailored to fit diverse needs.
Consider adding collision and comprehensive insurance to your policy. Collision insurance assists in paying for damages incurred due to an accident. Comprehensive insurance covers accidents that aren’t caused by an accident, such as those caused by the Palmdale, CA weather.
Traffic can also affect auto insurance rates because more cars on the road equals 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.
Progressive stands out as the top choice for Palmdale drivers, offering the lowest rates combined with comprehensive coverage options.Tim Bain Licensed Insurance Agent
City-Data reports that most drivers in Palmdale, CA, commute around 20 minutes, and most choose to drive alone, contributing to the expensive Palmdale, CA, car insurance rates. Theft can also raise your rates. According to the FBI, 435 motor vehicle thefts occurred in one year in Palmdale.
Palmdale, CA Auto Insurance: Key Takeaways
Palmdale auto insurance is much more expensive than average, but Liberty Mutual offers the cheapest coverage in the city. Before purchasing auto insurance in Palmdale, CA, shopping around to secure the best full-coverage car insurance is essential.
Each insurer has varying rates, so it’s crucial to compare options to find the best deal tailored to your needs. Enter your ZIP code to compare Palmdale, CA, auto insurance rates for free.
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Frequently Asked Questions
What types of auto insurance coverage are available in Palmdale, CA?
Palmdale, CA, offers various types of auto insurance coverage, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and medical payments coverage. Each type of auto insurance offers different levels of protection.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
