Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Palm Desert, CA
We monitor insurance prices, helping the average driver in Palm Desert save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Palm Desert
The chart below shows the cheapest car insurance company in Palm Desert 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 Desert Insurer | Monthly Cost |
|---|---|
| Metromile | $50 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of Palm Desert Driver
Based on our extensive insurance data, we know the average Palm Desert 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 $641 per year by choosing the right vehicle insurance company. Some Palm Desert residents are paying out over $2,005 extra every year for auto insurance in Palm Desert. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Palm Desert, CA Savings / Yr. |
|---|---|
$641 |
|
$1,174 |
|
$929 |
|
$1,632 |
|
$838 |
|
$363 |
|
$0 |
Palm Desert Car Insurance vs. California
People living in Palm Desert pay an average of 0.14% less than the typical driver in the state. The average driver in Palm Desert can expect to pay about $939 per year, or $2,005 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Palm Desert for most people.
Car Insurance Prices by Palm Desert Neighborhood
Insurance Prices
Where is insurance cheapest within Palm Desert?
The map shows insurance prices in and around Palm Desert, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $377 per year within the city boundaries, with insurance premiums ranging from a high of $2,237 to a low of $1,860. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of Palm Desert.Pick the Best Car Insurance Company for You in Palm Desert
The best car insurance provider for most drivers in Palm Desert
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $641 over the average Palm Desert car insurance company.
The best car insurance provider for Palm Desert 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 $1,174 over the competition.
The best car insurance company for Palm Desert drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $929 better than other car insurance companies.
The best auto insurance for Palm Desert drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,632 less each year.
The least expensive car insurance company for new and young drivers in Palm Desert
In Palm Desert, State Farm costs young drivers $838 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Palm Desert
Progressive gave the largest car insurance discounts to married couples, averaging $363 saved each year compared to an average Palm Desert couple's premiums.
The cheapest car insurance in Palm Desert for drivers with bad credit
The best Palm Desert car insurance company for customer service
Nationwide was the best company for customer service in Palm Desert according to the NAIC.
Recent price drops
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The cheapest large national provider in Palm Desert
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Palm Desert 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 Desert, 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 Desert
What Influences the Cost of Car Insurance in Palm Desert?
On average, car insurance in Palm Desert is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- The average commute time in Palm Desert is 25 minutes, which is far less than average for a driver in the state.
- 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 Desert are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Palm Desert has an average population density in the state. The city’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 Desert is $78 per month for minimum coverage and $167 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 Cities
- Indian Wells: Insurance costs 0.70% less
- Rancho Mirage: Insurance costs 1.50% more
- Desert Palms: Insurance costs 1.25% more
- Thousand Palms: Insurance costs 2.00% less
- La Quinta: Insurance costs 3.29% more
- Indio: Insurance costs 6.63% more
- Cathedral City: Insurance costs 6.33% more
- Valerie: Insurance costs 3.84% less
- Coachella: Insurance costs 10.42% more
- Vista Santa Rosa: Insurance costs 2.49% less
Cities with Similar Populations
- Bluffton: Insurance costs 18.10% less
- Campbell: Insurance costs 2.34% more
- Davis: Insurance costs 0.70% more
- Edina: Insurance costs 16.81% less
- Encinitas: Insurance costs 2.49% less
- Opa-Locka: Insurance costs 74.96% more
- Morristown: Insurance costs 31.07% less
- Portage: Insurance costs 35.16% more
- Poway: Insurance costs 2.49% less
- Princeton: Insurance costs 69.23% more