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 Average||National Average|
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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
|Insurer||Average Yearly Rate|
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 group||Average Yearly Rate|
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 Status||Average Annual Rate|
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
|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|
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 Level||Average Rate (annual)|