Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The annual number of car thefts in Indio is 475.
  • Average car insurance rates in Indio, CA for senior drivers are $2,130/year
  • The cheapest car insurance company in Indio after a DUI is Liberty Mutual

Average car insurance rates in Indio, California are $297 a month. But with a little research you can get a great deal from the top car insurance companies in Indio, CA. Before you buy Indio, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Indio car insurance rates with Sacramento car insurance rates, Long Beach car insurance rates, or Bakersfield car insurance rates to make sure you’re getting the best Indio, CA car insurance quotes available.

Need affordable Indio, CA car insurance? Enter your ZIP code to compare Indio car insurance quotes from multiple car insurance companies near you.

Indio, CA Minimum Car Insurance Coverage

Indio, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Indio, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Indio, CA Car Insurance Rates by Coverage Level

Some Indio drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Indio, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Indio, California

Insurance Company Low Medium High
Allstate $4,623 $4,833 $4,953
Farmers $4,439 $4,806 $5,067
GEICO $2,366 $2,628 $2,805
Liberty Mutual $2,435 $2,638 $2,779
Nationwide $3,899 $4,362 $4,625
Progressive $2,777 $3,202 $3,353
State Farm $3,717 $4,202 $4,472
Travelers $2,740 $3,187 $3,397
USAA $2,397 $2,658 $2,784

Indio, CA Car Insurance Rates by Age, Gender, and Marital Status

Indio, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Indio, CA car insurance, get quotes from multiple car insurance companies in the Indio area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Indio, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,144 $3,210 $2,232 $2,319 $8,123 $10,356 $4,198 $4,841
Farmers $2,606 $2,606 $2,341 $2,341 $8,252 $13,516 $3,080 $3,423
GEICO $1,613 $1,614 $1,518 $1,518 $4,879 $4,970 $2,312 $2,371
Liberty Mutual $1,999 $1,891 $1,857 $1,798 $4,288 $4,579 $2,248 $2,276
Nationwide $3,070 $2,947 $2,652 $2,517 $7,530 $8,353 $3,656 $3,640
Progressive $1,954 $2,009 $1,663 $1,972 $5,177 $6,239 $2,831 $3,041
State Farm $3,264 $3,264 $2,910 $2,910 $5,959 $7,416 $3,607 $3,715
Travelers $2,353 $2,288 $2,061 $2,041 $4,717 $5,396 $3,019 $2,987
USAA $1,882 $1,788 $1,837 $1,851 $4,216 $4,252 $2,610 $2,471

Indio, CA Car Insurance Rates for Teens

How much is Indio, California car insurance for teens? Compare rates from top Indio car insurance companies below to help find the cheapest teen car insurance in Indio, CA.

Annual Car Insurance Rates for Teen Drivers in Indio, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,123 $10,356
Farmers $8,252 $13,516
GEICO $4,879 $4,970
Liberty Mutual $4,288 $4,579
Nationwide $7,530 $8,353
Progressive $5,177 $6,239
State Farm $5,959 $7,416
Travelers $4,717 $5,396
USAA $4,216 $4,252

Indio, CA Car Insurance Rates for Seniors

Before seniors buy Indio, California car insurance, they should make sure to shop around. Some Indio, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Indio, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,232 $2,319
Farmers $2,341 $2,341
GEICO $1,518 $1,518
Liberty Mutual $1,857 $1,798
Nationwide $2,652 $2,517
Progressive $1,663 $1,972
State Farm $2,910 $2,910
Travelers $2,061 $2,041
USAA $1,837 $1,851

Indio, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Indio, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Indio.

Annual Indio, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,846 $4,919 $7,672 $3,774
Farmers $3,529 $4,803 $5,982 $4,768
GEICO $1,821 $2,796 $3,523 $2,258
Liberty Mutual $2,270 $3,043 $2,748 $2,407
Nationwide $2,995 $3,839 $6,508 $3,839
Progressive $2,032 $3,457 $4,024 $2,930
State Farm $2,943 $3,513 $6,647 $3,418
Travelers $2,105 $3,353 $3,925 $3,049
USAA $1,738 $2,577 $4,235 $1,903

Indio, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Indio, CA car insurance rates. Compare rates below to see which Indio car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Indio, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,672
Farmers $5,982
GEICO $3,523
Liberty Mutual $2,748
Nationwide $6,508
Progressive $4,024
State Farm $6,647
Travelers $3,925
USAA $4,235

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Indio, CA Car Insurance Rates by ZIP Code

Just like Indio car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Indio, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Indio, California

ZIP Code Average Annual Rates
92201 $4,858
92203 $4,711

Indio, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Indio, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Indio companies based on commute time.

Annual Car Insurance Rates by Commute Length in Indio, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,326 $5,280
Farmers $4,328 $5,212
GEICO $2,362 $2,837
Liberty Mutual $2,401 $2,833
Nationwide $3,805 $4,786
Progressive $2,824 $3,397
State Farm $3,978 $4,283
Travelers $2,797 $3,419
USAA $2,410 $2,816

Indio, CA Cheapest Car Insurance Rates

How do the top Indio, California car insurance companies’ average rates stack up against the Indio average monthly car insurance rates of $297? Take a look and see.

Best Annual Car Insurance Rates by Company in Indio, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Indio, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Indio, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Indio, California

Insurance Company Average Annual Rates
Allstate $4,803
Farmers $4,770
GEICO $2,599
Liberty Mutual $2,617
Nationwide $4,295
Progressive $3,111
State Farm $4,131
Travelers $3,108
USAA $2,613

Other Factors Affecting Indio, CA Car Insurance Rates

Before you buy Indio, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Indio, CA Car Theft Rates

The car theft rate in Indio, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Indio, California is 475 stolen cars.

Indio, CA Commute Time

How does your Indio, CA commute time compare with the average driver? In Indio, the average commute is 22.3 minutes.

Indio, CA Car Insurance Quotes

Compare Indio, CA car insurance quotes from multiple companies by entering your ZIP code now.