If you’re planning to purchase car insurance, Palmdale, CA, has plenty of options for you to choose from. However, it’s important to note that auto insurance rates in this city can vary greatly from one company to another. Comparing quotes from several insurers is an effective way to keep your premium low while ensuring you have adequate protection. Check out this comprehensive guide to car insurance in Palmdale.
How Much Auto Insurance Do You Need to Carry in Palmdale?
Similar to other cities in California, Palmdale makes it mandatory for drivers to carry at least a minimum liability car insurance policy that provides basic protection. According to MoneyGeek, you must have the following coverage limits to drive legally in the city:
- Individual bodily injury coverage: $15,000
- Total bodily injury coverage for an entire accident: $30,000
- Property damage coverage: $5,000
What Is the Average Cost of Auto Insurance in Palmdale?
The Zebra found in a survey that Palmdale drivers pay an average of $2168 a year for car insurance. This amount is higher than the state average of $1868 and the national average of $1548.
What Factors Influence the Cost of Auto Insurance in Palmdale?
When you’re shopping for auto insurance in Palmdale, you might end up getting quotes that are higher or lower than the city average. According to Compare.com, car insurance providers take an array of factors into consideration to determine your premium, including your age, vehicle, gender, driving record, and credit score.
In Palmdale, the age group that enjoys the most affordable auto insurance is 60-something drivers, says The Zebra. Drivers in their 60s pay an average of $1929 per year for car insurance, while those in their 50s enjoy an average premium of $1942. Teen drivers pay the highest rates in Palmdale, but they’ll get significantly lower quotes when they reach their 20s. The difference in the average auto insurance costs teenagers and 20-something drivers pay is $4827, which is the biggest variation between any two age groups.
The average car insurance prices in Palmdale by age are:
- Teenagers: $8039 per year
- 20s: $3212 per year
- 30s: $2109 per year
- 40s: $2042 per year
- 50s: $1942 per year
- 60s: $1929 per year
- 70s: $2244 per year
Marital Status and Gender
In many places, married drivers face lower auto insurance costs than single drivers. However, in Palmdale, the average premiums for these two marital status groups are the same. Another contributing factor to car insurance pricing is gender. Female drivers in this city have a slightly higher average auto insurance cost than their male counterparts, paying just $3 more per year.
Average car insurance rates in Palmdale vary by marital status and gender accordingly:
- Married: $2079 per year
- Single: $2079 per year
- Divorced: $2168 per year
- Widowed: $2108 per year
- Male: $2168 per year
- Female: $2171 per year
Regardless of your location, avoiding accidents and traffic violations is one of the most effective ways to save on auto insurance. At-fault accidents, speeding tickets, DUI citations, and reckless driving charges can all result in more expensive auto insurance because they make you riskier to insure. In Palmdale, drivers who have a reckless driving citation pay $3703 more a year for auto insurance compared to the average driver. A speeding ticket leads to a rate increase of $896, while a DUI causes your premium to go up by $3593.
The following are the average auto insurance rates in Palmdale after an accident or traffic violation:
- At-fault accident with damages worth less than $1000: $2176 per year
- At-fault accident with damages worth more than $2000: $3804 per year
- Driving 16 to 20 mph above the speed limit: $3064 per year
- DUI: $5761 per year
- Reckless driving: $5870 per year
In most parts of the United States, credit scores have a considerable impact on auto insurance costs. However, in Palmdale and other California cities, insurance companies aren’t legally allowed to use credit scores to calculate car insurance premiums. Therefore, you don’t have to worry about your credit score when you’re shopping for auto insurance.
What Are the Best Auto Insurance Providers in Palmdale?
Auto insurance not only makes you a legal driver in Palmdale but it also provides protection against losses in the event of an accident. As such, you shouldn’t choose your car insurance provider based on price alone. The best thing to do is to look for a company that offers good value for your money.
MoneyGeek has a scoring system that ranks auto insurance companies based on affordability, financial stability, and customer satisfaction. The system awarded a score of 90 out of 100 to AAA and GEICO, making them the best insurers for most drivers in Palmdale. USAA received the highest score, but it isn’t included in the list because it’s only available to active and retired military members and their families.
Below is a list of the highest-rated car insurance companies in Palmdale:
- USAA: 100
- AAA: 90
- GEICO: 90
- State Farm: 88
- Wawanesa: 88
- Ameriprise: 85
- Hartford: 85
- Allstate: 83
- Progressive: 83
- Safeco: 80
- CSAA: 78
- Liberty Mutual: 78
Besides shopping around, you can significantly reduce your car insurance cost by qualifying for commonly provided discounts, such as the multi-policy discount, multi-vehicle discount, good driver discount, good student discount, and safety device discount. However, make sure you purchase enough coverage to keep your out-of-the-pocket expenses to a minimum in case you get involved in an accident.
Check this out if you need additional information, resources, or guidance on car insurance.
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