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

  • Average car insurance rates in Palm Springs, CA for senior drivers are $2,234/year
  • The annual number of car thefts in Palm Springs is 275.
  • The cheapest car insurance company in Palm Springs for teen drivers is USAA

Average car insurance rates in Palm Springs, California are $312 a month. But with a little research you can get a great deal from the top car insurance companies in Palm Springs, CA. Before you buy Palm Springs, 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 Springs car insurance rates with Fresno car insurance rates, San Jose car insurance rates, or Sacramento car insurance rates to make sure you’re getting the best Palm Springs, CA car insurance quotes available.

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

Palm Springs, CA Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $4,155 $4,363 $4,481
Farmers $5,077 $5,496 $5,788
GEICO $2,497 $2,789 $2,993
Liberty Mutual $2,629 $2,845 $2,991
Nationwide $4,338 $4,923 $5,268
Progressive $2,814 $3,223 $3,361
State Farm $3,832 $4,342 $4,627
Travelers $2,890 $3,412 $3,669
USAA $2,457 $2,768 $2,919

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Palm Springs, 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 $2,802 $2,831 $2,020 $2,071 $7,555 $9,564 $3,677 $4,145
Farmers $2,967 $2,967 $2,670 $2,670 $9,449 $15,482 $3,513 $3,908
GEICO $1,711 $1,712 $1,610 $1,610 $5,183 $5,281 $2,455 $2,516
Liberty Mutual $2,151 $2,037 $1,994 $1,932 $4,642 $4,943 $2,424 $2,448
Nationwide $3,420 $3,269 $2,989 $2,820 $8,614 $9,536 $4,069 $4,025
Progressive $1,957 $2,016 $1,661 $1,976 $5,239 $6,330 $2,832 $3,050
State Farm $3,369 $3,369 $3,004 $3,004 $6,163 $7,670 $3,723 $3,834
Travelers $2,495 $2,420 $2,193 $2,171 $5,105 $5,811 $3,222 $3,169
USAA $1,948 $1,846 $1,900 $1,908 $4,431 $4,451 $2,690 $2,543

Palm Springs, CA Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,555 $9,564
Farmers $9,449 $15,482
GEICO $5,183 $5,281
Liberty Mutual $4,642 $4,943
Nationwide $8,614 $9,536
Progressive $5,239 $6,330
State Farm $6,163 $7,670
Travelers $5,105 $5,811
USAA $4,431 $4,451

Palm Springs, CA Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,020 $2,071
Farmers $2,670 $2,670
GEICO $1,610 $1,610
Liberty Mutual $1,994 $1,932
Nationwide $2,989 $2,820
Progressive $1,661 $1,976
State Farm $3,004 $3,004
Travelers $2,193 $2,171
USAA $1,900 $1,908

Palm Springs, CA Car Insurance Rates by Driver History

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

Annual Palm Springs, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,590 $4,426 $6,901 $3,415
Farmers $4,034 $5,490 $6,838 $5,452
GEICO $1,931 $2,973 $3,739 $2,396
Liberty Mutual $2,448 $3,281 $2,962 $2,594
Nationwide $3,376 $4,330 $7,335 $4,330
Progressive $2,046 $3,483 $4,053 $2,949
State Farm $3,041 $3,630 $6,865 $3,532
Travelers $2,225 $3,610 $4,195 $3,263
USAA $1,803 $2,682 $4,397 $1,976

Palm Springs, CA Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,901
Farmers $6,838
GEICO $3,739
Liberty Mutual $2,962
Nationwide $7,335
Progressive $4,053
State Farm $6,865
Travelers $4,195
USAA $4,397

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Palm Springs, CA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
92262 $5,251
92264 $4,976

Palm Springs, CA Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,911 $4,755
Farmers $4,948 $5,959
GEICO $2,507 $3,012
Liberty Mutual $2,589 $3,054
Nationwide $4,277 $5,408
Progressive $2,844 $3,422
State Farm $4,110 $4,424
Travelers $2,991 $3,656
USAA $2,501 $2,928

Palm Springs, CA Cheapest Car Insurance Rates

How do the top Palm Springs, California car insurance companies’ average rates stack up against the Palm Springs average monthly car insurance rates of $312? Take a look and see.

Best Annual Car Insurance Rates by Company in Palm Springs, 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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Palm Springs, CA Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,333
Farmers $5,454
GEICO $2,760
Liberty Mutual $2,821
Nationwide $4,843
Progressive $3,133
State Farm $4,267
Travelers $3,323
USAA $2,715

Other Factors Affecting Palm Springs, CA Car Insurance Rates

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

Palm Springs, CA Car Theft Rates

The car theft rate in Palm Springs, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Palm Springs, California is 275 stolen cars.

Palm Springs, CA Commute Time

How does your Palm Springs, CA commute time compare with the average driver? In Palm Springs, the average commute is 21.5 minutes.

Palm Springs, CA Car Insurance Quotes

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