Table of contents
How much is car insurance in Twentynine Palms?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Twentynine Palms typically costs about $11 a month less than it does in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Twentynine Palms. It's about $35 cheaper than the national average to insure your vehicle in Twentynine Palms.
These may be the average auto insurance rates for Twentynine Palms, but that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. 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.
But don't worry, we've broken down the average rates for Twentynine Palms residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up in Twentynine Palms.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Twentynine Palms, this difference shakes out to about $6 a month. Looking at the table above, you can see that female drivers pay around $42 on average, while male drivers typically pay $48 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Twentynine Palms with a single accident on their record is about $65 a month. In addition, drivers with a single ticket on their record can expect to pay around $92 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$39|
The most affordable vehicles to insure in Twentynine Palms are typically SUVs, which run about $37 per month.
Car owners can expect to pay an average of around $46 a month for their policy, while truck and van drivers are usually around $48 to insure each month.
The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Twentynine Palms, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$46|
More often than not, 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.
According to the table above, the difference in rates based on relationship status in Twentynine Palms can be as much as $4 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$53|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Twentynine Palms, expect to pay around $6 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Twentynine Palms, CA
Recent trends in car insurance for Twentynine Palms drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Twentynine Palms, auto insurance rates rose from 2016-2017, when they reached a high of $51. This leveled out in 2018, when they began to decrease again. They finished down in 2021, at $42 per month
How does Twentynine Palms compare to neighboring areas?
Why are car insurance rates in Twentynine Palms different from other areas?
There are a variety of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Regional laws
- Rate of car accidents
- Total amount of drivers in the area
- Rate of crime
- Access to off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Twentynine Palms?
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.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Twentynine Palms.
Twentynine Palms Insurance FAQs
What factors affect car insurance quotes in Twentynine Palms?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Twentynine Palms 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 Twentynine Palms?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Twentynine Palms?
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. 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 Twentynine Palms or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?