Car insurance in Palmdale is far more expensive than the average cost of car insurance, with minimum liability costing $879 per year and $2,324 for full coverage insurance. Still, you cannot afford to go without insurance when over 16% of California’s 27 million licensed drivers are also uninsured, and being uninsured is against the law. That is why it is so important to find the best cheap car insurance when you are a Palmdale driver.
Applying our unique methodology, we determine the best car insurance companies not just based on price but based on a number of different factors. These include coverage options, pricing, discounts, customer satisfaction, claims processing and financial strength. Using these factors and more, these are our picks for the best cheap car insurance in Palmdale for 2022.
Best car insurance companies in Palmdale
To find the best cheap car insurance companies in Palmdale, we go far beyond just cheap car insurance companies. We also look to the companies that offer the best coverage options, discounts and customer service. We look to the J.D. Power 2021 U.S. Auto Insurance Study for customer satisfaction ratings for the California region and at 2021 rate data. Based on these factors, these are the best cheap car insurance companies for Palmdale.
|Insurance company||J.D. Power customer satisfaction score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||828 / 1000||$653||$1,842|
|Mercury||816 / 1000||$723||$1,816|
|Progressive||819 / 1000||$775||$2,094|
|Wawanesa||852 / 1000||$816||$1,865|
|State Farm||818 / 1000||$866||$2,390|
Geico is one of the highest-scoring companies for J.D. Power’s customer satisfaction ratings, and it is a great pick for additional coverage. Geico insures several kinds of vehicles, including ATVs, RVs and boats. Geico also specializes in antique and classic car insurance. If you drive for a ridesharing service like Uber or Lyft, you can also add available rideshare insurance. From there, you can add on personal injury protection (PIP) coverage, emergency roadside assistance, and rental reimbursement. To help you save, Geico offers unique discounts for government employees and members of certain organizations, as well as exclusive driver education and customer loyalty savings.
Learn more: Geico Insurance Review
Although Mercury receives just average scores for customer satisfaction, it offers a wide selection of insurance coverage. This includes umbrella insurance, mechanical breakdown insurance, PIP coverage, and business insurance that you can easily bundle for both your home and car. Mercury has a full suite of insurance protection for the home, too, with condo, renters and landlord insurance that you can pair with your auto insurance. Before you purchase a policy, check out discounts like safety, good student and payment discounts.
Learn more: Mercury Insurance Review
With above-average customer satisfaction ratings, Progressive offers several unique ways to save on your insurance. There is a deductible savings bank and both small and large accident forgiveness. If you are a safe driver, you can save even more with Progressive’s Snapshot program, with the Name Your Price Tool to help you control how much you spend on your annual premium. There are also loyalty, student and homeowners discounts, in addition to savings when you maintain continuous insurance.
Learn more: Progressive Insurance Review
Wawanesa is an exclusive provider for California drivers with the highest customer satisfaction ratings in J.D. Power’s survey for the entire state. Coverage is comprehensive, with options for roadside assistance, rental expense and vehicle manufacturer replacement parts coverage. There are good driver discounts, including special savings for senior drivers who complete a mature driver course, as well as discounts when you insure multiple vehicles within the same household. Wawanesa has also partnered with several Affinity Groups for extra savings when you do business with those companies too.
Learn more: Wawanesa Insurance Review
State Farm earns above-average customer satisfaction scores, just barely edging out Mercury. It is a great choice when you need extended coverage because it also offers small business, life, health, pet medical, and disability insurance. For auto insurance, you can insure not only cars but also motorcycles, boats, off-road vehicles and even RVs with optional roadside assistance. That makes it easy to earn bundle discounts, but there are also other programs to help you save with its Drive Safe & Save and Steer Clear programs.
Learn more: State Farm Insurance Review
Cheapest car insurance in Palmdale
The average cost of car insurance in Palmdale is expensive at $879 per year for minimum liability and $2,324 for the average full coverage policy. It is more than the average cost of California car insurance, which is $733 per year for minimum coverage and $2,065 for full coverage. Therefore, it is all the more important that you find the cheapest carriers for your auto insurance coverage.
To find the cheapest car insurance companies, we take a pointed look at market share and financial strength, both important for claims processing, as well as customer satisfaction and available resources, like online quotes and mobile claims. Considering financial strength and affordability, these are the cheapest car insurance companies in Palmdale.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Palmdale insurance requirements
All drivers in Palmdale must maintain a minimum amount of coverage. California law stipulates that drivers carry the following minimum liability insurance:
- $15,000 for injury/death per person
- $30,000 for injury/death per accident
- $5,000 for property damage
While you are legally obligated to maintain minimum insurance, you may still want to consider purchasing more car insurance. If you have an accident or loss in the future, it is important to have enough coverage that you can pay for the out-of-pocket expenses without a huge strain on your finances. If you finance or lease a vehicle, you are likely required by your lender to carry additional coverage to satisfy the terms of your car loan.
Car insurance discounts in Palmdale
There are many discounts that you can use to lower the cost of your car insurance. Many of the largest car insurance companies offer auto insurance discounts, such as these:
- Vehicle discounts: You might receive safety discounts for things like airbags, anti-lock brakes, security systems and daytime running lights, as well as discounts for new car insurance.
- Driver type discounts: There are often special discounts for senior drivers, college students, teen drivers and young adults, as well as exclusive discounts for active duty and veteran military.
- Driver behavior discounts: You can save money for being a safe driver, maintaining low mileage, or completing a defensive driving course.
- Insurance discounts: There are discounts for continuous insurance, paying in full, and purchasing an advance quote with early renewal discounts.
One of the best car insurance discounts that most companies offer is the bundle discount. This is a special kind of discount that rewards you with automatic savings when you purchase multiple policies from the same insurance carrier. It is not only cheaper, but it can make your insurance policies much easier to manage, too – especially when you need to file a claim. Before you purchase a new car insurance policy, give consideration to how bundle discounts can help you save money.
Frequently asked questions
What is the best car insurance company?
The best car insurance companies are different for everyone because car insurance policies are highly customized based on a series of personalized rate factors, such as where you live, the make and model of your car, and your credit score. To be sure you have the best insurance for you, you should always find and compare auto insurance quotes from multiple providers.
How much does car insurance in Palmdale cost?
The average cost of car insurance in Palmdale is $879 per year for minimum coverage and $2,324 for full coverage. It is far more than the average cost of car insurance in California, which is $733 per year for basic coverage and $2,065 for full insurance.
How much car insurance do I need in Palmdale?
California car insurance laws require that all drivers purchase a minimum amount of coverage, which includes $15,000 for injury/death to one person, $30,000 for injury/death to multiple people, and $5,000 for damage to property.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.