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 La Quinta is 84.
  • Average car insurance rates in La Quinta, CA for senior drivers are $2,066/year
  • Average car insurance rates in La Quinta, CA are $289/month

Average car insurance rates in La Quinta, California are $289 a month. But with a little research you can get a great deal from the top car insurance companies in La Quinta, CA. Before you buy La Quinta, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare La Quinta car insurance rates with Los Angeles car insurance rates, San Francisco car insurance rates, or Bakersfield car insurance rates to make sure you’re getting the best La Quinta, CA car insurance quotes available.

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

La Quinta, CA Minimum Car Insurance Coverage

La Quinta, 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 La Quinta, 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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La Quinta, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in La Quinta, California

Insurance Company Low Medium High
Allstate $4,161 $4,366 $4,484
Farmers $4,590 $4,971 $5,239
GEICO $2,525 $2,820 $3,024
Liberty Mutual $2,431 $2,640 $2,782
Nationwide $3,790 $4,279 $4,562
Progressive $2,664 $3,046 $3,173
State Farm $3,194 $3,650 $3,903
Travelers $2,762 $3,208 $3,419
USAA $2,357 $2,651 $2,795

La Quinta, CA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in La Quinta, 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 $2,804 $2,835 $2,020 $2,073 $7,555 $9,567 $3,683 $4,157
Farmers $2,688 $2,688 $2,422 $2,422 $8,541 $13,985 $3,181 $3,540
GEICO $1,731 $1,733 $1,629 $1,629 $5,237 $5,333 $2,483 $2,544
Liberty Mutual $1,998 $1,888 $1,857 $1,797 $4,296 $4,586 $2,245 $2,274
Nationwide $2,988 $2,861 $2,605 $2,463 $7,444 $8,244 $3,554 $3,523
Progressive $1,859 $1,914 $1,575 $1,873 $4,937 $5,961 $2,684 $2,887
State Farm $2,821 $2,821 $2,519 $2,519 $5,190 $6,461 $3,119 $3,212
Travelers $2,365 $2,299 $2,074 $2,054 $4,754 $5,446 $3,041 $3,005
USAA $1,868 $1,772 $1,823 $1,833 $4,239 $4,254 $2,579 $2,440

La Quinta, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in La Quinta, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,555 $9,567
Farmers $8,541 $13,985
GEICO $5,237 $5,333
Liberty Mutual $4,296 $4,586
Nationwide $7,444 $8,244
Progressive $4,937 $5,961
State Farm $5,190 $6,461
Travelers $4,754 $5,446
USAA $4,239 $4,254

La Quinta, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in La Quinta, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,020 $2,073
Farmers $2,422 $2,422
GEICO $1,629 $1,629
Liberty Mutual $1,857 $1,797
Nationwide $2,605 $2,463
Progressive $1,575 $1,873
State Farm $2,519 $2,519
Travelers $2,074 $2,054
USAA $1,823 $1,833

La Quinta, CA Car Insurance Rates by Driver History

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

Annual La Quinta, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,591 $4,431 $6,907 $3,418
Farmers $3,648 $4,967 $6,187 $4,931
GEICO $1,953 $3,003 $3,780 $2,423
Liberty Mutual $2,271 $3,043 $2,748 $2,407
Nationwide $2,938 $3,766 $6,371 $3,766
Progressive $1,937 $3,291 $3,825 $2,791
State Farm $2,556 $3,049 $5,759 $2,967
Travelers $2,116 $3,379 $3,954 $3,070
USAA $1,729 $2,566 $4,215 $1,893

La Quinta, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in La Quinta, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,907
Farmers $6,187
GEICO $3,780
Liberty Mutual $2,748
Nationwide $6,371
Progressive $3,825
State Farm $5,759
Travelers $3,954
USAA $4,215

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La Quinta, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in La Quinta, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,915 $4,759
Farmers $4,476 $5,391
GEICO $2,534 $3,045
Liberty Mutual $2,403 $2,832
Nationwide $3,725 $4,696
Progressive $2,688 $3,234
State Farm $3,450 $3,715
Travelers $2,816 $3,443
USAA $2,396 $2,806

La Quinta, CA Cheapest Car Insurance Rates

How do the top La Quinta, California car insurance companies’ average rates stack up against the La Quinta average monthly car insurance rates of $289? Take a look and see.

Best Annual Car Insurance Rates by Company in La Quinta, 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

La Quinta, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in La Quinta, California

Insurance Company Average Annual Rates
Allstate $4,337
Farmers $4,933
GEICO $2,790
Liberty Mutual $2,618
Nationwide $4,210
Progressive $2,961
State Farm $3,582
Travelers $3,130
USAA $2,601

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Other Factors Affecting La Quinta, CA Car Insurance Rates

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

La Quinta, CA Car Theft Rates

The car theft rate in La Quinta, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for La Quinta, California is 84 stolen cars.

La Quinta, CA Commute Time

How does your La Quinta, CA commute time compare with the average driver? In La Quinta, the average commute is 22.8 minutes.

La Quinta, CA Car Insurance Quotes

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