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How much is car insurance in Palmdale?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Palmdale are about $4 a month more expensive than the rest of California.
When stacked up against the national average, the average monthly policy payment for Palmdale is more affordable. The average monthly payment in Palmdale is about $21 cheaper than the rate for the rest of the United States.
Although these are the average monthly costs for an auto insurance policy in Palmdale, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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 premium.
Don't sweat it however, we've broken down average rates for Palmdale residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates rise again in Palmdale.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Palmdale is about $6 per month. Based on the chart above, you can see that male drivers pay $63 on average, while female drivers typically pay $57 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Palmdale with a single accident on their record is about $87 a month. Similarly, drivers with one ticket will typically pay around $71 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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||$82|
|15 Years or Older||$57|
If you look at the first table above, the cheapest vehicles to insure in Palmdale are typically trucks and vans, at $54 per month.
Car owners, on the other hand, usually pay around $61 a month, while SUV drivers can expect to pay about $55 per month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Palmdale, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$64|
Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Palmdale, the difference in rates based on relationship status can be as much as $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Palmdale, expect to pay around $2 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
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 Palmdale, CA
Recent trends in car insurance for Palmdale drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The cost of car insurance in Palmdale decreased from 2017-2019, where it hit a low of $58, before steadying out in 2020. Since 2021, car insurance rates have once again been decreasing and reached $60 in 2022.
How does Palmdale compare to neighboring areas?
Why are car insurance rates in Palmdale different from other areas?
Car insurance companies will take into account several factors when choosing how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Amount of drivers in the region
- Road Safety (total number of local car accidents)
- Area crime rates
- Local regulations
- Amount of off-street parking
An awareness of these factors is important 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 Palmdale?
While knowing 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. Simply enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Palmdale.
Palmdale Insurance FAQs
What factors affect car insurance quotes in Palmdale?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Palmdale different from other neighboring cities?
Things like local laws, parking situations, and crime rates, 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 Palmdale?
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 Palmdale?
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 Palmdale 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.