Desert Hot Springs, CA Car Insurance

Residents of Desert Hot Springs pay, on average, about $45 per month for car insurance. Learn more in our handy guide below.
What rates can residents of Desert Hot Springs expect to pay for their car insurance? How does Desert Hot Springs compare to the surrounding area and the rest of California? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Desert Hot Springs?

Area Average Monthly Car Insurance Premium
Desert Hot Springs$45
CA$56
United States$80

Looking at the chart above, you can see it's around $11 a month cheaper to insure your vehicle in Desert Hot Springs than it is in the rest of California.

Compared to the national average cost of auto insurance coverage, Desert Hot Springs has lower rates. The average monthly payment for the United States as a whole is about $35 more expensive than in Desert Hot Springs.

While these are the average monthly costs for auto insurance coverage in Desert Hot Springs, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Desert Hot Springs residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$71
25-34$46
35-44$36
45-54Not Enough Data
55-64$37
65+$45

It makes sense that older drivers would have more experience behind the wheel. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates climb back up once you hit retirement age in Desert Hot Springs.

Average Car Insurance Rates by Gender

Gender Average
Male$46
Female$43

In general, female drivers pay less for car insurance than their male counterparts. In Desert Hot Springs, although women do pay a little bit less on their monthly auto coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$60
Multiple Accidents$54
1 Ticket$59
Multiple Tickets$81

Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Desert Hot Springs with one accident will pay around $60 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $59.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 Years$42
4-5 Years$44
6-7 Years$44
8-10 Years$46
11-14 Years$43
15 Years or Older$45

As you can see in the first table above, the cheapest vehicles to insure in Desert Hot Springs are typically SUVs, which run about $41 per month.

SUV owners will see rates of about $41, while truck and van owners by and large pay around $46 per month.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Desert Hot Springs are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$48
Married$39
Divorced$42
Widowed$40

More often than not, those who are currently married will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

In Desert Hot Springs, the difference in rates based on relationship status can be as much as $9 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$45
Live with parents$66

One other element taken into consideration is your living situation. Those who own their own home in Desert Hot Springs can expect to pay around $2 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Desert Hot Springs, CA

Recent trends in car insurance for Desert Hot Springs drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

In Desert Hot Springs, car insurance rates had been increasing from 2016-2018, where they hit a high of $52, before steadying out in 2019. Insurance rates went up once again in 2020, and have continued rising through 2021, where they finished at $50 a month.

How does Desert Hot Springs compare to neighboring areas?

Why are car insurance rates in Desert Hot Springs different from other areas?

Car insurance companies take in a lot of factors when choosing how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Area crime rates
  • Regional regulations
  • Total drivers
  • Road Safety (frequency of local car accidents)
  • Amount of off-street parking

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Desert Hot Springs?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Desert Hot Springs.

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Desert Hot Springs Insurance FAQs

What factors affect car insurance quotes in Desert Hot Springs?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Desert Hot Springs different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Desert Hot Springs?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Desert Hot Springs?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Desert Hot Springs or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes