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 Springs, Apache Junction, AZ
We monitor insurance prices, helping the average driver in Palm Springs save up to 38.6% on car insurance.
The Cheapest Minimum Coverage in Palm Springs
The chart below shows the cheapest car insurance company in Palm Springs 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 State Farm, Mile Auto, and MetLife.
| Palm Springs Insurer | Monthly Cost |
|---|---|
| Metromile | $60 |
| State Farm | $61 |
| Mile Auto | $76 |
| MetLife | $76 |
Savings for Every Kind of Palm Springs Driver
Based on our extensive insurance data, we know the average Palm Springs driver will save about 39% 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, credit score, marital status, and age. The average driver will find themselves saving $680 per year by choosing the right vehicle insurance company. Some Palm Springs residents are paying out over $1,761 extra every year for auto insurance in Palm Springs. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Palm Springs, Apache Junction, AZ Savings / Yr. |
|---|---|
$680 |
|
$605 |
|
$368 |
|
$618 |
|
$1,962 |
|
$347 |
|
$973 |
Palm Springs Car Insurance vs. Apache Junction
People living in Palm Springs pay an average of 2.93% less than the typical driver in the state. The average driver in Palm Springs can expect to pay about $928 per year, or $1,761 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Palm Springs for most people.
Car Insurance Prices by Palm Springs Neighborhood
Insurance Prices
Where is insurance cheapest within Palm Springs?
The map shows insurance prices in and around Palm Springs, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $199 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,891 to a low of $1,692. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the South parts of Palm Springs.Pick the Best Car Insurance Company for You in Palm Springs
The best car insurance provider for most drivers in Palm Springs
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $680 over the average Palm Springs car insurance company.
The best car insurance provider for Palm Springs drivers with accidents on their records
In our analysis, Nationwide saved the average person who had been in an accident the most, with annual savings averaging $605 over the competition.
The best car insurance company for Palm Springs drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $368 better than other car insurance companies.
The best auto insurance for Palm Springs drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $618 less each year.
The least expensive car insurance company for new and young drivers in Palm Springs
In Palm Springs, Geico costs young drivers $1,962 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Palm Springs
State Farm gave the largest car insurance discounts to married couples, averaging $347 saved each year compared to an average Palm Springs couple's premiums.
The cheapest car insurance in Palm Springs for drivers with bad credit
The best Palm Springs car insurance company for customer service
Nationwide was the best company for customer service in Palm Springs according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Palm Springs, which was better than other insurers.
The cheapest large national provider in Palm Springs
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Palm Springs driver can expect to pay about $130 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 Springs, USAA has the best prices for married couples, drivers with speeding tickets, drivers with accidents, good drivers, drivers with bad credit, young drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Palm Springs
What Influences the Cost of Car Insurance in Palm Springs?
On average, car insurance in Palm Springs 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 neighborhood are influenced by the following factors:
- The average commute time in Palm Springs is 26 minutes, which is a little less than average for a driver in the city.
- Arizona 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 Springs are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Palm Springs has an average population density in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Palm Springs is $77 per month for minimum coverage and $147 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
- Southeast Mesa: Insurance costs 4.60% more
- Northeast: Insurance costs 5.74% more
- Castlegate: Insurance costs 1.76% more
- Pecan Creek: Insurance costs 4.03% more
- Power Ranch: Insurance costs 5.96% more
- San Tan Ranch: Insurance costs 4.83% more
- Central Mesa: Insurance costs 8.23% more
- Circle Cross Ranch: Insurance costs 3.41% more
- Heritage District: Insurance costs 7.55% more
- Woodridge Lakes: Insurance costs 7.21% more
Neighborhoods with Similar Populations
- Menomonee River Hills East: Insurance costs 22.66% less
- Woodmere: Insurance costs 52.36% more
- Woodlawn Court: Insurance costs 5.39% more
- Wester: Insurance costs 0.68% more
- Upper Dimond: Insurance costs 26.63% more
- The Boulevards: Insurance costs 32.54% less
- Sunset: Insurance costs 38.44% less
- Suburban Acres: Insurance costs 28.62% less
- South Park: Insurance costs 18.85% less
- Scioto Trace: Insurance costs 35.26% less