Palmdale, CA Car Insurance

How much does car insurance cost 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 AUTO INSURANCE PREMIUMS
Palmdale Average (annual)California AverageNational Average
$2,168$1,868$1,548

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Palmdale car insurance rates by insurer


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.


PALMDALE AUTO INSURANCE PREMIUMS BY COMPANY
InsurerAverage Yearly Rate
GEICO$1,531
Mercury$1,630
AAA$1,908
Infinity$2,083
Alliance$2,101

Read our guide to finding the best cheap auto insurance.



Palmdale car insurance premiums by age

The age group that pays the least for car insurance in Palmdale are drivers in their age_60s ($1,929per year). Those in their age_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.


PALMDALE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age groupAverage Yearly Rate
Teenagers$8,039
20s$3,212
30s$2,109
40s$2,042
50s$1,942
60s$1,929
70s$2,244

Learn more about the impact of age on auto insurance rates.



Palmdale auto insurance costs by marital status and gender


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.


PALMDALE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Annual Rate
Female$2,171
Male$2,168
Single$2,079
Married$2,079
Divorced$2,168
Widowed$2,108

Learn more about the impact gender and marital status have on insurance rates.



Palmdale auto insurance costs by incident history


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 $3,593per year in extra insurance expenditures.


PALMDALE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Yearly Rate
DUI/DWI$5,761
Reckless Driving$5,870
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

Learn more about citations' impact on your auto insurance rates.



Palmdale car insurance rates by credit tier


It's no secret credit score is closely correlated with car insurance rates. In fact, Palmdale drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 0% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Palmdale, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.


PALMDALE AUTO INSURANCE RATES BY CREDIT TIER
Credit LevelAverage Rate (annual)
Very Poor$2,168
Fair$2,168
Good$2,168
Very Good$2,168
Exceptional$2,168

Get additional information on how credit impacts car insurance costs.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.