Palmdale Car Insurance

The Zebra
May 30, 2018

Car Insurance in Palmdale

It is common knowledge that California has expensive premiums, as its mean rate surpasses the national average by 20%. Premiums run even higher in the city, so if you are insuring a vehicle in Palmdale, being knowledgeable about premiums is especially important. Let’s take a look at how to save on car insurance in Palmdale.

  • City Average: $1,991
  • State Average: $1,713
  • National Average: $1,427

Palmdale Car Insurance by Gender and Marital Status

Car insurance premiums in Palmdale are influenced by driver traits such as gender and marital status. However, premiums for men and women tend to only vary slightly, with women paying more. Rates for those who are widowed are moderately cheaper than rates for those who are single. Single individuals spend roughly 4% more per year compared to those who are married.

  • Female: $1,995
  • Male: $1,991
  • Single: $1,991
  • Married: $1,909
  • Divorced: $1,991
  • Widowed: $1,916

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Palmdale Car Insurance by Accident or Violation History

Does your driving record show a history of accidents or violations? That can have an impact on your prices on car insurance. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving charge in Palmdale have rates nearly triple the average for the city ($1,991). Being at-fault in an accident costs drivers an additional $1,127 per year to insure your vehicle in Palmdale.

  • DUI: $5,653
  • Reckless Driving: $5,653
  • At-fault Accident (damages less than $1000): $3,118
  • At-fault Accident (damages greater than $2000): $3,118
  • Speeding Ticket (16-20 mph over speed limit): $2,710

Palmdale Car Insurance by Age

When looking across all age groups, drivers in their 60s tend to have the lowest rates. Their rates typically average $1,705/year. However, those in their 50s ($1,753) have premiums that aren't much higher. When Palmdale drivers reach their 20s, therefore moving out of the teenage age range, they can save $4,558 on car insurance. You will not see a bigger difference between any other age group. In Palmdale, turning 70 means a rise in insurance rates. Up until then, transitioning from one age group to the next means decreasing prices. Teenage drivers have the largest premiums of any age group, with average car insurance payments of $7,489.

  • Teenagers: $7,489
  • 20s: $2,931
  • 30s: $1,954
  • 40s: $1,894
  • 50s: $1,753
  • 60s: $1,705
  • 70s: $1,900

* Credit score is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance.