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How much is car insurance in Palm Springs?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Palm Springs are about $12 a month cheaper than in the rest of California.
When stacked up against the national average, the average monthly policy payment for Palm Springs is more affordable. On average, it's about $36 less to insure your vehicle in Palm Springs than it is in the rest of the U.S.
Although these are the average rates for auto insurance in Palm Springs, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But don't worry, we've broken down the average rate for Palm 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 below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates begin to increase again once you hit retirement in Palm Springs.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While this isn't true in Palm Springs, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. Drivers in Palm Springs with one accident will pay around $51 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $76 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$39|
According to the first table above, cars are usually the cheapest vehicles to insure in Palm Springs, with drivers paying around $44 per month for auto insurance coverage.
SUV owners can expect to pay an average of around $47 a month for their policy, while truck and van drivers are usually around $46 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Palm Springs are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Palm Springs are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$68|
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $1 a month more than homeowners in Palm Springs. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Palm Springs, CA
Recent trends in car insurance for Palm Springs 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.
The rates for auto insurance in Palm Springs rose from 2016-2017, when they reached a high of $49. Car insurance rates began to decrease in 2020, and this trend has continued through 2021, when rates have most recently hit $42.
How does Palm Springs compare to neighboring areas?
Why are car insurance rates in Palm Springs different from other areas?
Car insurance companies will take into account a variety of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Off-street parking accessibility
- Area crime rates
- Road Safety (frequency of car accidents)
- Local regulations
- Total number of drivers in the region
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Palm Springs?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com can handle all of this for you. Simply enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering policies in Palm Springs.
Palm Springs Insurance FAQs
What factors affect car insurance quotes in Palm Springs?
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 Springs different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Palm 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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Palm Springs?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Palm Springs or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.