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How much is car insurance in Palm Desert?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $12 a month cheaper to insure your vehicle in Palm Desert than it is in the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Palm Desert is rather affordable. It's about $37 cheaper than the national average to insure your vehicle in Palm Desert.
Although these are the average car insurance rates in Palm Desert, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've broken down the average rates for Palm Desert to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Palm Desert drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Palm Desert, however, male and female drivers both pay about the same rate for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Palm Desert with one accident will pay around $65 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $48 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$38|
|15 Years or Older||$43|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Palm Desert, with drivers paying around $42 per month for insurance.
Truck and van drivers will see rates of about $43, while the rates for car owners average out to about $44 a month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Palm Desert, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$47|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Palm Desert can be as much as $7 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$62|
Another factor that comes into play is your living accommodations. Homeowners and renters alike can expect to pay about $42 per month for coverage in Palm Desert.
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 Palm Desert, CA
Recent trends in car insurance for Palm Desert drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Palm Desert, car insurance rates increased from 2017-2018, where they reached a high of $50, before leveling out in 2019. Car insurance rates went up once again in 2020, and have continued rising through 2022, where they finished at $48 per month.
How does Palm Desert compare to neighboring areas?
Why are car insurance rates in Palm Desert different from other areas?
Car insurance companies take in a number of factors when choosing how much individual insurance policies will cost. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Rate of car accidents
- Number of drivers in the area
- Community laws
- Access to off-street parking
- Crime levels
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Palm Desert?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Palm Desert.
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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 age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Palm Desert 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, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Palm Desert?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Palm Desert?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Palm Desert 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.
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