In Palmdale, the average cost for full coverage car insurance is $154 per month. Rates can range from $149 to $366, depending on factors like your vehicle and driving history. To help drivers better understand what they might pay, the table below shows average car insurance costs for various driver profiles.
Palmdale, CA Car Insurance
Updated: January 14, 2025
Advertising & Editorial Disclosure
Cheapest Car Insurance in Palmdale: Key Takeaways
In the city, affordable car insurance options are offered by companies like GEICO, Progressive, State Farm, National General and Capital Insurance Group, each catering to different driver needs.
GEICO provides the cheapest monthly rate for minimum coverage at $44, while Progressive offers the most affordable full coverage at $107 per month, making them top choices in the area.
On average, residents pay $66 monthly for minimum coverage and $154 for full coverage. These rates can change based on individual driver profiles and specific circumstances.
Car Insurance Quotes in Palmdale, CA
| Young Drivers | $78 | $186 |
| Teens | No Data | $353 |
| Seniors | $62 | $143 |
| Drivers With a Speeding Ticket | $89 | $211 |
| Drivers With a DUI | $152 | $354 |
| Drivers With An Accident | $102 | $240 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Palmdale vs. State Average
California
State Average Full Coverage Rate
$1,599
Palmdale, CA
City Average Full Coverage Rate
$1,780More:$181 more
This is 11% more expensive.
What Is the Average Car Insurance Rate in Palmdale?
In Palmdale, full coverage car insurance averages $1,780 per year, while state minimum coverage costs $760 annually. These rates are higher than the California averages, where full coverage is $1,599 and state minimum coverage is $661 per year. Residents in Palmdale pay a bit more for their car insurance.
| State Average | $661 | $1,599 |
| Palmdale Average | $760 | $1,780 |
Cheapest Car Insurance Companies in Palmdale
While premiums are rising in California, you can still find affordable car insurance in Palmdale. GEICO offers the cheapest minimum coverage at $44 per month. For full coverage, Progressive provides the best rate at $107 monthly.
WHY CAR INSURANCE IN PALMDALE IS EXPENSIVE
Car insurance is expensive in Palmdale due to high traffic volumes and theft rates. This city ranks among the top in California for costly premiums. Statewide, factors like a high number of uninsured drivers, frequent personal injury lawsuits and insurance fraud also drive up prices.
Cheap Car Insurance in Palmdale
GEICO often offers the cheapest minimum coverage, but rates vary for each driver. To find the most affordable car insurance, get quotes from several providers. Below is a table with the cheapest car insurance rates for various driver profiles.
| GEICO | Minimum Coverage | $44 |
| Progressive | Full Coverage | $107 |
| State Farm | Teens | $279 |
| GEICO | Young Adults | $91 |
| GEICO | Seniors | $76 |
| National General | Drivers With a DUI | $110 |
| Capital Insurance Group | Drivers With An Accident | $115 |
| National General | Drivers With a Speeding Ticket | $110 |
Car Insurance Rates in Palmdale by Company
Car insurance costs vary by company in Palmdale, so compare to find the cheapest. Below, we detail affordable options for minimum coverage and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Palmdale
GEICO offers the cheapest minimum coverage auto insurance at $44 per month. Progressive follows closely with a rate of $45. See the breakdown of the cheapest options in the table below.
| GEICO | $44 | $23 |
| Progressive | $45 | $21 |
| Kemper | $49 | $18 |
| State National | $59 | $8 |
| Nationwide | $60 | $6 |
| AAA | $60 | $6 |
| Capital Insurance Group | $61 | $5 |
| Farmers | $64 | $2 |
| State Farm | $64 | $2 |
| Mercury | $64 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Palmdale
Progressive offers the cheapest full coverage car insurance in Palmdale, at $107 per month. Check out the full list of providers below for more options.
| AAA | $127 | $27 |
| Capital Insurance Group | $136 | $18 |
| GEICO | $114 | $40 |
| Hartford | $150 | $4 |
| Kemper | $135 | $19 |
| Mercury | $145 | $9 |
| National General | $137 | $17 |
| Nationwide | $143 | $11 |
| Progressive | $107 | $47 |
| State National | $135 | $19 |
Car Insurance Companies in Palmdale
To find the cheapest car insurance in Palmdale, we suggest getting quotes from several local companies. Progressive offers the lowest rate at $915 annually, while Mercury is the best affordable option with a MoneyGeek score of 76. Check the table below for more options to consider in your search.
| Chubb | 84 | $1,498 |
| Capital Insurance Group | 82 | $1,183 |
| Mercury | 73 | $1,254 |
| Progressive | 70 | $915 |
| GEICO | 70 | $949 |
| State Farm | 69 | $1,328 |
| Nationwide | 67 | $1,218 |
| AAA | 66 | $1,127 |
| Travelers | 61 | $1,497 |
| Kemper | 60 | $1,102 |
| Hartford | 59 | $1,323 |
| Farmers | 56 | $1,707 |
| Allstate | 54 | $1,532 |
| National General | 53 | $1,258 |
| State National | No Data | $1,158 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Palmdale by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,780 per year for 40-year-olds and $1,720 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $4,109 | $-1,395 |
| 17 | $4,097 | $-1,383 |
| 18 | $3,869 | $-1,155 |
| 19 | $2,974 | $-260 |
| 20 | $3,048 | $-334 |
| 21 | $2,657 | $57 |
| 22 | $2,306 | $408 |
| 23 | $2,369 | $345 |
| 24 | $2,272 | $442 |
| 25 | $2,228 | $-515 |
| 40 | $1,780 | $-67 |
| 65 | $1,720 | $-7 |
Cheapest Car Insurance for Teens in Palmdale
GEICO offers the cheapest overall car insurance for teens in Palmdale, with a monthly rate of $275. This choice saves $39 compared to the state average. The table below details more affordable options for this age group.
| GEICO | $275 | $39 | $316 |
| State Farm | $277 | $37 | $279 |
| Allstate | $286 | $28 | $300 |
| Farmers | $290 | $24 | $403 |
| Capital Insurance Group | $304 | $10 | $297 |
| Progressive | $326 | $-12 | $350 |
| Travelers | $329 | $-16 | $291 |
| Kemper | $365 | $-52 | $463 |
| Nationwide | $371 | $-57 | $482 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Palmdale
GEICO offers the best minimum coverage for young drivers at $51 per month, while Progressive provides the most affordable full coverage at $130 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| GEICO | Minimum Coverage | $51 |
| Progressive | Full Coverage | $130 |
| National General | Drivers With a DUI | $135 |
| Capital Insurance Group | Drivers With An Accident | $130 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $126 |
Cheapest Car Insurance Companies for Young Drivers in Palmdale
GEICO offers the most affordable auto insurance for young drivers at $91 per month. Other companies with competitive rates are listed in the table below. Learn more about affordable auto insurance.
| GEICO | $91 | $47 |
| Progressive | $92 | $46 |
| Capital Insurance Group | $111 | $27 |
| State National | $117 | $22 |
| AAA | $122 | $16 |
| National General | $128 | $10 |
| State Farm | $129 | $9 |
| Nationwide | $130 | $8 |
| Mercury | $135 | $4 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Palmdale
GEICO and Capital Insurance Group offer affordable car insurance options in the city, but rates depend on various factors. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.
| GEICO | Minimum Coverage | $43 |
| Progressive | Full Coverage | $108 |
| National General | Drivers With a DUI | $113 |
| Capital Insurance Group | Drivers With An Accident | $109 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $106 |
Cheapest Car Insurance Companies for Seniors in Palmdale
GEICO offers the cheapest monthly premium for seniors at $76 when considering both minimum and full coverage. Progressive follows closely with a rate of $77 per month. The table below shows more top car insurance providers for seniors in Palmdale.
| GEICO | $76 | $31 |
| Progressive | $77 | $30 |
| State Farm | $86 | $22 |
| State National | $91 | $16 |
| Capital Insurance Group | $93 | $14 |
| AAA | $95 | $13 |
| Hartford | $95 | $13 |
| Nationwide | $95 | $12 |
| Mercury | $105 | $3 |
| National General | $107 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High Risk Drivers in Palmdale
When looking at all high-risk driver profiles in Palmdale, the average cost for state minimum coverage is $1,431, and full coverage is $3,333. This is cheaper than the state average of $1,998 for minimum and $3,982 for full coverage. Drivers with bad credit and DUIs pay the most, while accidents and speeding tickets have a smaller effect on rates.
| State Average | $1,239 | $2,989 |
| Palmdale Average | $1,431 | $3,333 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a small speeding ticket in Palmdale, can affect your insurance for 3 to 5 years. For serious offenses such as a DUI, insurers may consider these for up to 10 years, and you might need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Palmdale
National General provides the cheapest minimum coverage for drivers with a DUI at $926 per year in Palmdale. For full coverage, Progressive offers the lowest rate at $3,058 annually. Check out the table below for more low-cost coverage options.
| National General | $77 | $143 |
| Mercury | $104 | $238 |
| Capital Insurance Group | $107 | $244 |
| Progressive | $101 | $255 |
| GEICO | $107 | $273 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Palmdale
Capital Insurance Group, GEICO, and State National are the three cheapest car insurance providers for drivers with an at-fault accident record. For cheapest auto insurance after an at-fault accident, these companies offer monthly rates as low as $71. The table below shows different providers offering affordable coverage options for drivers with an at-fault accident violation.
| Capital Insurance Group | $71 | $159 |
| GEICO | $78 | $190 |
| State National | $83 | $192 |
| Progressive | $91 | $222 |
| Farmers | $88 | $305 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Palmdale
Kemper is the cheapest car insurance provider for drivers with a speeding ticket, offering rates of $65 for minimum coverage and $179 for full coverage. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| National General | $77 | $143 |
| Capital Insurance Group | $68 | $156 |
| AAA | $81 | $166 |
| GEICO | $66 | $170 |
| Kemper | $65 | $179 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Minimum Car Insurance Requirements in Palmdale, CA
In California, every city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
California's minimum coverage ensures basic protection in accidents. For example, if you're at fault in a crash, your insurance covers up to $30,000 for injuries to others and $5,000 for property damage. This helps shield you financially from unexpected mishaps.
Cheap Car Insurance in Palmdale: Bottom Line
GEICO leads with the most affordable minimum coverage in Palmdale at just $44 monthly. Diverse drivers, from the young to the senior, can find competitive rates fitting their budgets. Ensure your policy includes California's required bodily injury and property damage liability. Comparing providers helps you secure affordable rates that still uphold the Golden State's insurance laws.
Palmdale Auto Insurance: FAQ
This FAQ section offers quick answers to common questions about finding affordable and best car insurance options in Palmdale. Discover how to secure the best deals and understand state minimum coverage to make informed decisions.
What is the cheapest car insurance company in Palmdale, California?
GEICO offers the most affordable car insurance in Palmdale, California, with state minimum coverage starting at $44 monthly, saving customers around $23.
What is the best car insurance company in Palmdale, California?
State National provides competitive car insurance in Palmdale, California, offering annual premiums for minimum coverage at around $1,158.
How much does car insurance cost on average in Palmdale?
Palmdale's minimum coverage car insurance rates range from $65 to $158 per month, varying by individual driver circumstances.
Best Cheap Car Insurance in Palmdale: Our Methodology
MoneyGeek conducted an analysis of Pasadena auto insurance prices using data from the California Department of Insurance and Quadrant Information Services.
Palmdale Driver Profile
To assess the best and most affordable auto insurance options for Palmdale residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Palmdale
In assessing the car insurance quotes for Palmdale, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
The minimum coverage requirements in California are:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
We adjusted the scoring in certain categories as follows:
- In the best customer service category, affordability was assigned a score of zero, while the scores for customer satisfaction, claims and coverage received an additional 10 possible points each.
- For the best minimum coverage category, the maximum points for satisfaction were reduced to 25, and maximum points for affordability increased to 40.
- We calibrated the affordability scores based on the quoted rates, which varied with the sample driver’s age or driving record.
- We also made qualitative evaluations for instances where certain insurers had coverage options that their competitors did not offer.
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Palmdale
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Palmdale. For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.