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 cheapest car insurance company in Palm Desert after a DUI is Liberty Mutual
  • Average car insurance rates in Palm Desert, CA for senior drivers are $2,061/year
  • Average car insurance rates in Palm Desert, CA are $288/month

Average car insurance rates in Palm Desert, California are $288 a month. But with a little research you can get a great deal from the top car insurance companies in Palm Desert, CA. Before you buy Palm Desert, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

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

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

Palm Desert, CA Minimum Car Insurance Coverage

Palm Desert, 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 Palm Desert, 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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Palm Desert, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Palm Desert, California

Insurance Company Low Medium High
Allstate $4,182 $4,391 $4,511
Farmers $4,418 $4,788 $5,051
GEICO $2,452 $2,741 $2,943
Liberty Mutual $2,344 $2,541 $2,678
Nationwide $3,954 $4,470 $4,770
Progressive $2,638 $3,063 $3,193
State Farm $3,301 $3,798 $4,073
Travelers $2,640 $3,106 $3,327
USAA $2,379 $2,670 $2,810

Palm Desert, CA Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Palm Desert, 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 $2,822 $2,852 $2,033 $2,085 $7,596 $9,617 $3,705 $4,180
Farmers $2,592 $2,592 $2,336 $2,336 $8,226 $13,457 $3,067 $3,412
GEICO $1,681 $1,682 $1,581 $1,581 $5,099 $5,192 $2,412 $2,470
Liberty Mutual $1,930 $1,824 $1,793 $1,736 $4,118 $4,403 $2,167 $2,197
Nationwide $3,107 $2,970 $2,711 $2,559 $7,821 $8,646 $3,703 $3,666
Progressive $1,857 $1,909 $1,583 $1,874 $4,976 $5,975 $2,674 $2,870
State Farm $2,926 $2,926 $2,614 $2,614 $5,407 $6,734 $3,236 $3,333
Travelers $2,271 $2,202 $2,006 $1,985 $4,635 $5,284 $2,932 $2,879
USAA $1,879 $1,782 $1,833 $1,842 $4,271 $4,295 $2,598 $2,457

Palm Desert, CA Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Palm Desert, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,596 $9,617
Farmers $8,226 $13,457
GEICO $5,099 $5,192
Liberty Mutual $4,118 $4,403
Nationwide $7,821 $8,646
Progressive $4,976 $5,975
State Farm $5,407 $6,734
Travelers $4,635 $5,284
USAA $4,271 $4,295

Palm Desert, CA Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Palm Desert, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,033 $2,085
Farmers $2,336 $2,336
GEICO $1,581 $1,581
Liberty Mutual $1,793 $1,736
Nationwide $2,711 $2,559
Progressive $1,583 $1,874
State Farm $2,614 $2,614
Travelers $2,006 $1,985
USAA $1,833 $1,842

Palm Desert, CA Car Insurance Rates by Driver History

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

Annual Palm Desert, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,606 $4,455 $6,947 $3,437
Farmers $3,515 $4,785 $5,959 $4,750
GEICO $1,897 $2,924 $3,673 $2,354
Liberty Mutual $2,187 $2,931 $2,648 $2,318
Nationwide $3,069 $3,933 $6,656 $3,933
Progressive $1,941 $3,305 $3,812 $2,801
State Farm $2,659 $3,170 $5,983 $3,085
Travelers $2,035 $3,280 $3,812 $2,970
USAA $1,741 $2,589 $4,241 $1,907

Palm Desert, CA Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Palm Desert, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,947
Farmers $5,959
GEICO $3,673
Liberty Mutual $2,648
Nationwide $6,656
Progressive $3,812
State Farm $5,983
Travelers $3,812
USAA $4,241

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Palm Desert, CA Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Palm Desert, California

ZIP Code Average Annual Rates
92211 $4,585
92260 $4,724

Palm Desert, CA Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Palm Desert, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,936 $4,786
Farmers $4,312 $5,193
GEICO $2,464 $2,960
Liberty Mutual $2,313 $2,729
Nationwide $3,886 $4,910
Progressive $2,685 $3,244
State Farm $3,586 $3,862
Travelers $2,724 $3,324
USAA $2,414 $2,825

Palm Desert, CA Cheapest Car Insurance Rates

How do the top Palm Desert, California car insurance companies’ average rates stack up against the Palm Desert average monthly car insurance rates of $288? Take a look and see.

Best Annual Car Insurance Rates by Company in Palm Desert, California

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

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Palm Desert, CA Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Palm Desert, California

Insurance Company Average Annual Rates
Allstate $4,361
Farmers $4,752
GEICO $2,712
Liberty Mutual $2,521
Nationwide $4,398
Progressive $2,965
State Farm $3,724
Travelers $3,024
USAA $2,620

Other Factors Affecting Palm Desert, CA Car Insurance Rates

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

Palm Desert, CA Car Theft Rates

The car theft rate in Palm Desert, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Palm Desert, California is 130 stolen cars.

Palm Desert, CA Commute Time

How does your Palm Desert, CA commute time compare with the average driver? In Palm Desert, the average commute is 19.1 minutes.

Palm Desert, CA Car Insurance Quotes

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