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Get Cheap Car Insurance in Palm City, San Diego, CA
We monitor insurance prices, helping the average driver in Palm City save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Palm City
The chart below shows the cheapest car insurance company in Palm City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Palm City Insurer | Monthly Cost |
|---|---|
| Metromile | $51 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of Palm City Driver
Based on our extensive insurance data, we know the average Palm City driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $645 per year by choosing the right vehicle insurance company. Some Palm City residents are paying out over $2,016 extra every year for auto insurance in Palm City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Palm City, San Diego, CA Savings / Yr. |
|---|---|
$645 |
|
$1,181 |
|
$934 |
|
$1,640 |
|
$842 |
|
$365 |
|
$0 |
Palm City Car Insurance vs. San Diego
People living in Palm City pay an average of 0.39% more than the typical driver in the state. The average driver in Palm City can expect to pay about $944 per year, or $2,016 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Palm City for most people.
Car Insurance Prices by Palm City Neighborhood
Insurance Prices
Where is insurance cheapest within Palm City?
The map shows insurance prices in and around Palm City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $232 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,217 to a low of $1,985. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Palm City.Pick the Best Car Insurance Company for You in Palm City
The best car insurance provider for most drivers in Palm City
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $645 over the average Palm City car insurance company.
The best car insurance provider for Palm City drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,181 over the competition.
The best car insurance company for Palm City drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $934 better than other car insurance companies.
The best auto insurance for Palm City drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,640 less each year.
The least expensive car insurance company for new and young drivers in Palm City
In Palm City, State Farm costs young drivers $842 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Palm City
Progressive gave the largest car insurance discounts to married couples, averaging $365 saved each year compared to an average Palm City couple's premiums.
The cheapest car insurance in Palm City for drivers with bad credit
The best Palm City car insurance company for customer service
Recent price drops
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The cheapest large national provider in Palm City
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Palm City driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Palm City, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Palm City
What Influences the Cost of Car Insurance in Palm City?
On average, car insurance in Palm City is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Palm City is 36 minutes, which is about the national average for a driver in the city.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Palm City are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Palm City has an average population density in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Palm City is $79 per month for minimum coverage and $168 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Nestor: Insurance costs 1.19% less
- Egger Highlands: Insurance costs 4.27% more
- Otay Mesa West: Insurance costs 1.84% more
- Boal: Insurance costs 6.65% more
- Mission Bay: Insurance costs 0.05% less
- Downtown Chula Vista: Insurance costs 6.85% more
- Sunbow: Insurance costs 1.88% less
- Lynwood Hills: Insurance costs 0.74% less
- Terra Nova: Insurance costs 3.17% less
- Paseo Ranchoero: Insurance costs 1.34% less
Neighborhoods with Similar Populations
- Annex: Insurance costs 20.78% more
- Westwood Community-North: Insurance costs 61.16% more
- Westlake: Insurance costs 14.53% less
- West Minnehaha: Insurance costs 28.72% less
- West Memorial: Insurance costs 7.84% less
- West Englewood: Insurance costs 15.58% more
- Wellington-Harrington: Insurance costs 4.32% less
- Wakefield: Insurance costs 4.32% less
- Upper Albany: Insurance costs 33.73% more
- Crossroads: Insurance costs 16.27% less