Explore ways to save on auto insurance in Palmdale.
The typical Palmdale driver pays $2,168 per year for auto insurance. That's pricier than the average across California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Palmdale.
|Palmdale Average (annual)||California Average||National Average|
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, GEICO offers Palmdale's most affordable premiums. Reference below the top options for affordable insurance in Palmdale. Don't forget to get car insurance quotes based on your unique driving profile.
|Insurer||Average Yearly Rate|
The age group that pays the least for car insurance in Palmdale are drivers in their 60s ($1,929 per year). Those in their 50s don't pay significantly more ($1,942).
Teenage drivers pay Palmdale's most expensive auto insurance rates. When drivers hit their 20s in Palmdale and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Palmdale is $4,827, the largest such difference between any two age brackets.
|Age group||Average Yearly Rate|
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in Palmdale pay $90 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Palmdale, widowed drivers pay less than those who are single.
Another component of auto insurance pricing is gender. In Palmdale, female drivers pay more for auto insurance than do male drivers: $3 per year, to be precise.
|Gender/Marital Status||Average Annual Rate|
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Palmdale drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $3,703 per year versus the city average. A ticket for speeding results in an $896 rate hike while a DWI or DUI violation costs $3,593 per year in extra insurance expenditures.
|Citation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$2,176|
|At-fault Accident (damages > $2,000)||$3,804|
|Speeding Ticket (16-20 mph over speed limit)||$3,064|
It's no secret credit score is closely correlated with car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance.
The state of California, however, is one of a handful of states that outlaws the practice of using drivers' credit rating as a factor in pricing premiums. Drivers in Palmdale need not worry about the strength of their credit when looking for auto insurance.