Auto insurance in Palmdale is much more expensive than the average cost of auto insurance, with minimum liability costing $ 879 per year and $ 2,324 for full coverage. Still, you can’t afford to be without insurance when more than 16% of California’s population 27 million authorized drivers are also uninsured, and not being insured is against the law. This is why it is so important to find the best cheap auto insurance when you are a Palmdale driver.
By applying our unique methodology, we determine the best auto insurance companies not only based on price, but also a number of different factors. These include coverage options, pricing, discounts, customer satisfaction, claims handling, and financial strength. Using those factors and more, here are our picks for the best cheap car insurance in Palmdale for 2021.
Best Auto Insurance Companies in Palmdale
To find the best cheap car insurance companies in Palmdale, we go beyond just cheap car insurance companies. We also look to companies that offer the best coverage options, discounts, and customer service. We turn to JD Power 2021 US Auto Insurance Study for customer satisfaction ratings for the California region and for 2021 pricing data. Based on these factors, these are the best cheap auto insurance companies for Palmdale.
|Insurance company||JD 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 top-rated companies for JD Power customer satisfaction ratings, and it’s a great choice for additional coverage. Geico insures several types of vehicles, including ATVs, recreational vehicles and boats. Geico is also specialized in the insurance of old and classic cars. If you are driving for a rideshare service like Uber or Lyft, you can also add ridesharing insurance available. From there, you can add Injury Protection Coverage (PIP), Emergency Roadside Assistance, and Rental Reimbursement. To help you save, Geico offers one-time discounts to government employees and members of certain organizations, as well as exclusive savings on driver training and customer retention.
Learn more: Geico Insurance Review
Although Mercury receives only average ratings for customer satisfaction, it offers a wide choice of insurance coverage. This includes umbrella insurance, mechanical breakdown insurance, PIP coverage, and commercial insurance that you can easily bundle for your home and car. Mercury also offers a full line of home insurance coverage, with condo, tenant and homeowner insurance that you can combine with your auto insurance. Before buying a policy, check out discounts like security, student vouchers, 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 a forgiveness for small and large accidents. If you’re a safe driver, you can save even more with Progressive’s Instant 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 homeowner discounts, in addition to the savings when you maintain ongoing insurance.
Learn more: Gradual review of insurance
Wawanesa is an exclusive supplier for California drivers with the highest customer satisfaction ratings in JD Power’s statewide survey. Coverage is comprehensive, with options for roadside assistance, rental fees, and vehicle manufacturer replacement parts coverage. There are good discounts for drivers, including special discounts for older drivers who complete an adult driving course, as well as discounts when you insure multiple vehicles in the same household. Wawanesa has also partnered with several Affinity Groups to achieve additional savings when doing business with these companies as well.
Learn more: Wawanesa Insurance Review
State Farm has above-average customer satisfaction scores, just ahead of Mercury. It’s a great choice when you need extended coverage, as it also offers insurance for small business, life, health, pet health, and disability. For auto insurance, you can insure not only cars, but also motorcycles, boats, all-terrain vehicles, and even recreational vehicles with optional roadside assistance. This 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
The cheapest auto insurance in Palmdale
The average cost of auto insurance in Palmdale is $ 879 per year for the minimum liability and $ 2,324 for the average full coverage policy. That’s more than the average cost of auto insurance in California, 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 auto insurance companies, we take a close look at market share and financial strength, both important for handling claims, as well as customer satisfaction and available resources like online quotes. and mobile complaints. Considering financial strength and affordability, these are the cheapest auto insurance companies in Palmdale.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||$ 653||$ 1,842|
|AAA||$ 661||$ 1,993|
|Mercury||$ 723||$ 1,816|
|Progressive||$ 775||$ 2,094|
|Travelers||$ 792||$ 1,942|
Palmdale Insurance Requirements
All Palmdale drivers must maintain a minimum amount of coverage. California law states that drivers carry the following minimum liability insurance:
- $ 15,000 for injury / death per person
- $ 30,000 for accidental injury / death
- $ 5,000 for property damage
Although you are legally required to maintain minimum insurance, you can still consider purchasing additional auto insurance. If you have an accident or loss in the future, it’s important to have enough coverage to pay for out-of-pocket expenses without putting too much strain on your finances. If you are financing or leasing a vehicle, your lender will likely require you to purchase additional coverage to meet the terms of your car loan.
Auto Insurance Discounts in Palmdale
There are many discounts that you can use to lower the cost of your auto insurance. Many of the larger auto insurance companies offer auto insurance discounts, such as these:
- Vehicle discounts: You might receive safety discounts for things like airbags, anti-lock brakes, safety systems and daytime running lights, as well as discounts for new auto insurance.
- Driver-type discounts: There are often special discounts for senior drivers, students, teen drivers and young adults, as well as exclusive discounts for active duty military and veterans.
- Discounts on driver behavior: You can save money for being a safe driver, maintaining low mileage, or taking a defensive driving course.
- Insurance discounts: There are discounts for Continuous Insurance, Full Payment, and Early Quote Purchase with Early Renewal discounts.
One of the best auto insurance discounts that most companies offer is the bundle discount. This is a special type of discount that gives you automatic savings when you purchase multiple policies from the same insurance company. It’s not only cheaper, but it can also make your insurance policies a lot more manageable, especially when you need to file a claim. Before purchasing a new auto insurance policy, think about how bundle discounts can help save you money.
Frequently Asked Questions
What is the best auto insurance company?
The best auto insurance companies are different for everyone because auto insurance policies are highly personalized based on a series of custom rate factors, such as where you live, make and model of your. car and your credit score. To be sure that you have the best insurance for you, you should always find and compare auto insurance quotes from multiple providers.
How much does auto insurance cost in Palmdale?
The average cost of auto insurance in Palmdale is $ 879 per year for minimum coverage and $ 2,324 for full coverage. This is far more than the average cost of auto insurance in California, which is $ 733 per year for basic coverage and $ 2,065 for full coverage.
How Much Car Insurance Do I Need in Palmdale?
California auto insurance laws require all drivers to purchase a minimum amount of coverage, which includes $ 15,000 for one-person injury / death, $ 30,000 for multiple-person injury / death, and $ 5,000 for material damage.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- Liability for bodily injury of $ 100,000 per person
- $ 300,000 liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes may be different.