Indio, CA Car Insurance

Residents of Indio pay around $45 monthly for their car insurance coverage. To learn more about car insurance rates in the Indio area, read our guide below.
What can Indio residents expect to pay for their car insurance? How does Indio stack up to the rest of the area, or even California as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Indio?

Area Average Monthly Car Insurance Premium
Indio$45
CA$56
United States$80

Based on the chart above, you can see that it's about $11 a month cheaper to insure your vehicle in Indio than it is in the rest of California.

Compared to the rest of the country, auto insurance in Indio is more affordable. Car insurance rates for the United States as a whole are, on average, $35 more expensive than the rates you'd pay in Indio.

These may be the average auto insurance rates for Indio, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

But worry not, we've done the heavy lifting and broken down the average rate for Indio to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$66
25-34$38
35-44$36
45-54Not Enough Data
55-64$36
65+$46

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Indio may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$47
Female$44

Car insurance rates for women are generally cheaper than they are for men. While female drivers pay slightly less than male drivers on their monthly auto coverage, the difference in Indio is only about $3 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$63
Multiple Accidents$68
1 Ticket$76
Multiple Tickets$55

Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Indio, drivers with one accident on their record will experience rates around $63 a month. In addition, drivers with a single ticket on their record can expect to pay around $76 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. 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$49
2-3 Years$42
4-5 Years$53
6-7 Years$42
8-10 Years$44
11-14 Years$46
15 Years or Older$45

The cheapest vehicles to insure in Indio are by and large trucks and vans, with each type typically costing about $43 per month.

Car owners, on the other hand, typically pay around $46 a month, while SUV drivers can expect to pay about $44 per month for insurance coverage.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Indio, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$48
Married$41
Divorced$38
Widowed$40

Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Indio is about $7 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$45
Live with parents$69

Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $2 a month more than drivers who own property in Indio. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Indio, CA

Recent trends in car insurance for Indio drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

The cost of car insurance in Indio had been increasing from 2016-2017, where it hit a high of $56, before steadying out in 2018. Policy premiums went up again in 2019, and finished down at $41 in 2021.

How does Indio compare to neighboring areas?

Why are car insurance rates in Indio different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Off-street parking accessibility
  • Road Safety (frequency of car accidents)
  • Area regulations
  • Amount of drivers in the area
  • Crime

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Indio?

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 does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Indio.

Compare the cheapest quotes from dozens of insurance companies

Indio Insurance FAQs

What factors affect car insurance quotes in Indio?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Indio different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Indio?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Indio?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Indio or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes