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How much is car insurance in Palm Desert?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Palm Desert is about $12 cheaper than it is in the rest of California.
Likewise, when compared to the national average, the cost for auto insurance in Palm Desert is lower. It's about $36 cheaper than the national average to insure your vehicle in Palm Desert.
While these are the average monthly costs for auto insurance coverage in Palm Desert, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
But don't worry, we've broken down the average rate for Palm Desert 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, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $34 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, you may see your rates rise again in Palm Desert.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. Male and female drivers in Palm Desert, however, both pay around $44 per month to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Palm Desert with a single accident on their record will usually see rates around $66 a month. In addition, drivers with one ticket can expect to pay around $50 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$38|
|15 Years or Older||$43|
If you look at the first table above, the cheapest vehicles to insure in Palm Desert are typically trucks and vans, at $43 per month.
Car and SUVs, however, both cost about the same amount to insure their vehicle -- around $44 a month.
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, if your car is a few years old, you can expect to see your rates start dropping back down. In Palm Desert, vehicles six-to-seven years old and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
More often than not, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Palm Desert reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
Another factor taken into consideration is your living accommodations. Homeowners and renters alike can expect to pay about $42 per month for coverage in Palm Desert.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Palm Desert, CA
Recent trends in car insurance for Palm Desert drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Palm Desert, the rates for auto insurance have been mixed over the past few years. They did, however, rise from $38 in 2020 to $42 in 2021.
How does Palm Desert compare to neighboring areas?
Why are car insurance rates in Palm Desert different from other areas?
Car insurance companies will take into account a number of factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Total amount of drivers in the area
- General road safety (how many accidents each locality has)
- Area laws
- Off-street parking accessibility
- Area crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Palm Desert?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Palm Desert.
Palm Desert Insurance FAQs
What factors affect car insurance quotes in Palm Desert?
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 address, credit score, marital status, and driving record.
Why is the cost of car insurance in Palm Desert different from other neighboring cities?
Parking situations, crime rates, 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 Palm Desert?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Palm Desert?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Palm Desert or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?