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Get Cheap Car Insurance in Palo Alto, TX
We monitor insurance prices, helping the average driver in Palo Alto save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Palo Alto
The chart below shows the cheapest car insurance company in Palo Alto 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 Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Palo Alto Insurer | Monthly Cost |
|---|---|
| Clearcover | $43 |
| Mile Auto | $56 |
| Progressive | $57 |
| State Farm | $62 |
Savings for Every Kind of Palo Alto Driver
Based on our extensive insurance data, we know the average Palo Alto driver will save about 21% 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 $338 per year by choosing the right vehicle insurance company. Some Palo Alto residents are paying out over $1,642 extra every year for auto insurance in Palo Alto. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Palo Alto, TX Savings / Yr. |
|---|---|
$338 |
|
$773 |
|
$681 |
|
$781 |
|
$1,188 |
|
$449 |
|
$491 |
Palo Alto Car Insurance vs. Texas
People living in Palo Alto pay an average of 15.98% less than the typical driver in the state. The average driver in Palo Alto can expect to pay about $978 per year, or $1,642 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Palo Alto for most people.
Car Insurance Prices by Palo Alto Neighborhood
Insurance Prices
Where is insurance cheapest within Palo Alto?
The map shows insurance prices in and around Palo Alto, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $80 per year within the city boundaries, with insurance premiums ranging from a high of $1,699 to a low of $1,619. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of Palo Alto.Pick the Best Car Insurance Company for You in Palo Alto
The best car insurance provider for most drivers in Palo Alto
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $338 over the average Palo Alto car insurance company.
The best car insurance provider for Palo Alto drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $773 over the competition.
The best car insurance company for Palo Alto drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $681 better than other car insurance companies.
The best auto insurance for Palo Alto drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $781 less each year.
The least expensive car insurance company for new and young drivers in Palo Alto
In Palo Alto, State Farm costs young drivers $1,188 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Palo Alto
State Farm gave the largest car insurance discounts to married couples, averaging $449 saved each year compared to an average Palo Alto couple's premiums.
The cheapest car insurance in Palo Alto for drivers with bad credit
The best Palo Alto car insurance company for customer service
Recent price drops
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The cheapest large national provider in Palo Alto
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Palo Alto 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 Palo Alto, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Palo Alto
What Influences the Cost of Car Insurance in Palo Alto?
On average, car insurance in Palo Alto 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 Palo Alto is 35 minutes, which is about the national average for a driver in the state.
- Texas state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Palo Alto are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Palo Alto is one of the most densely populated areas in the state. The city’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 Palo Alto is $82 per month for minimum coverage and $137 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
- Bishop: Insurance costs 4.45% more
- Kingsville: Insurance costs 5.66% more
- Driscoll: Insurance costs 0.30% less
- Agua Dulce: Insurance costs 0.24% less
- Petronila: Insurance costs 0.91% less
- Ben Bolt: Insurance costs 1.28% more
- San Pedro: Insurance costs 1.52% more
- Alice: Insurance costs 8.16% more
- Violet: Insurance costs 0.06% more
- San Jose: Insurance costs 3.41% more
Cities with Similar Populations
- Kirkville: Insurance costs 25.40% less
- South Bradford: Insurance costs 19.85% less
- South Beaver Dam: Insurance costs 33.68% less
- Snug Harbor: Insurance costs 16.44% less
- Leon: Insurance costs 30.94% less
- Lax: Insurance costs 0.06% less
- Lane Village: Insurance costs 8.89% less
- Lake Point: Insurance costs 14.07% less
- Lake Floyd: Insurance costs 9.74% less
- Lake Bronson: Insurance costs 1.64% less