Cheapest Car Insurance In Palmdale, CA 2025
For drivers in Palmdale, GEICO is the least expensive provider for basic car insurance at $46 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Rates can be all over the place when you’re trying to find the lowest car insurance in Palmdale, CA.
For basic liability insurance, GEICO offers the lowest price. Full coverage shoppers will save more with AAA, and Progressive gives the best deals to young drivers.
Cheapest Car Insurance Companies In Palmdale, CA 2025
Cheapest Liability-only Car Insurance In Palmdale: GEICO
GEICO provides the cheapest minimum car insurance in Palmdale, with an average monthly rate of $46.
The table below shows how rates stack up across various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $46 | $552 |
| Progressive | $48 | $576 |
| State National | $62 | $744 |
| State Farm | $66 | $792 |
| Kemper | $51 | $612 |
Cheapest Full Coverage Insurance Rates In Palmdale: AAA
AAA leads with the lowest monthly full coverage rates in Palmdale, averaging $130.
The table below lists average auto insurance rates from some of the most affordable providers in Palmdale.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $130 | $1,560 |
| Hartford | $152 | $1,824 |
| State National | $137 | $1,644 |
| Kemper | $139 | $1,668 |
| Nationwide | $145 | $1,740 |
Cheapest Car Insurance Rates For Seniors: GEICO
At $77 a month, GEICO provides the cheapest car insurance rates for Palmdale seniors.
The table below lists average quotes from the most affordable senior auto insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $77 | $924 |
| State Farm | $89 | $1,068 |
| CIG | $96 | $1,152 |
| Nationwide | $97 | $1,164 |
| National General | $110 | $1,320 |
Cheapest Rates In Palmdale For Teenagers: GEICO
The cheapest car insurance for teenage drivers in Palmdale is through GEICO, with an average monthly cost of $277.
The table below compares the cheapest insurance rates available for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $277 | $3,324 |
| Allstate | $290 | $3,480 |
| Progressive | $330 | $3,960 |
| Kemper | $368 | $4,416 |
| CIG | $307 | $3,684 |
Cheapest Auto Insurance For Young Adults in Palmdale: Progressive
Progressive is the top choice for affordable car insurance for young adults in Palmdale, with average monthly rates of $94.
The table below shows a comparison of the lowest auto insurance rates for young adults in Palmdale.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $94 | $1,128 |
| CIG | $112 | $1,344 |
| State Farm | $126 | $1,512 |
| AAA | $124 | $1,488 |
| Nationwide | $133 | $1,596 |
Cheapest Car Insurance In Palmdale For Good Drivers: GEICO
Good drivers in Palmdale pay the least for car insurance with GEICO, around $46 monthly.
Good drivers can find average insurance rates from affordable providers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $46 | $552 |
| Progressive | $48 | $576 |
| State National | $62 | $744 |
| State Farm | $66 | $792 |
| Kemper | $51 | $612 |
Find affordable Palmdale rates
Cheapest Car Insurance In Palmdale After A Speeding Ticket: National General
If you have a speeding ticket, National General provides some of the cheapest car insurance in Palmdale, averaging $146 monthly.
The table below lists average rates for drivers who have speeding tickets on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $146 | $1,752 |
| AAA | $168 | $2,016 |
| GEICO | $159 | $1,908 |
| Kemper | $182 | $2,184 |
| Capital Insurance Group | $158 | $1,896 |
Cheapest For Drivers With After At-Fault Accident: Capital Insurance Group
For drivers with an at-fault incident on record, Capital Insurance Group has the lowest average car insurance cost at $160 a month.
The companies below offer the best prices on car insurance for drivers with an at-fault crash on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Capital Insurance Group | $160 | $1,920 |
| Progressive | $225 | $2,700 |
| GEICO | $193 | $2,316 |
| State National | $195 | $2,340 |
| Farmers | $307 | $3,684 |
Cheapest Rates In Palmdale For Drivers After A DUI: National General
Palmdale drivers with a DUI can find the lowest rates from National General, which charges around $147 monthly.
Use the table below to find the lowest car insurance quotes for drivers in Palmdale with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $147 | $1,764 |
| Mercury | $240 | $2,880 |
| GEICO | $275 | $3,300 |
| Progressive | $257 | $3,084 |
| Capital Insurance Group | $246 | $2,952 |
Best Car Insurance Companies In Palmdale
Drivers in Palmdale can save the most with GEICO, which charges $46 per month. Progressive and Kemper are close behind at $48 and $51.
These are the top 10 auto insurance companies in Palmdale, CA, ordered by their average monthly cost.
| Company | Monthly Premium |
| GEICO | $46 |
| Progressive | $48 |
| State National | $62 |
| State Farm | $66 |
| Kemper | $51 |
| Nationwide | $63 |
| AAA | $64 |
| Mercury | $68 |
| Farmers | $69 |
| CIG | $65 |
Average Rates In Palmdale – By Vehicle
Your insurance costs can go up or down depending on the type of car you drive. Newer, high-end models are more expensive to insure because of their value and repair costs.
See the table below to find average car insurance prices in Palmdale based on vehicle model.
| Vehicle | Average Monthly Rate |
| Mercedes-Benz C | $300 |
| Honda Accord | $456 |
| Kia Niro | $580 |
| Toyota Sienna | $129 |
| Land Rover Discovery | $395 |
Average Cost Of Auto Insurance In Palmdale – By Zip Code
Insurance companies look at crime rates by zip code, which is why your car insurance cost depends on your location.
Below is a table listing average insurance rates across Palmdale zip codes.
| City | Average Monthly Rate |
| 93535 | $176 |
| 93552 | $176 |
| 93550 | $151 |
| 93551 | $154 |
| 93591 | $140 |
How Much Is Car Insurance In Other Cities in California?
Insurance companies set rates based on your location, factoring in the chance of accidents, theft, and vandalism—risks that tend to be greater in cities, causing higher premiums.
Car insurance costs about $193 monthly in Lynwood, but it’s lower in San Diego at an average of $150 per month.
| City | Average Monthly Rate |
| Jurupa Valley | $159 |
| San Diego | $150 |
| Bakersfield | $157 |
| Culver City | $185 |
| Anderson | $129 |
| Pleasanton | $138 |
| Lynwood | $193 |
| Norwalk | $176 |
| Redlands | $155 |
| Lancaster | $176 |
Average Rates In Palmdale – By Age
One of the biggest factors in insurance pricing is age. Teens pay more—about $2,333 a year—because they’re seen as more likely to file claims.
By the time a driver turns 25, insurance companies often offer lower rates if their record is clean.
Drivers in their 50s and 60s typically enjoy the most competitive premiums, as insurers link age to safe driving habits.
| Age | Average Yearly Rate |
| Teenagers | $2,333 |
| 20s | $2,224 |
| 30s | $1,769 |
| 40s | $1,893 |
| 50s | $1,676 |
| 60s | $1,911 |
| 70s | $1,702 |
Find affordable Palmdale rates
Our Methodology
Through a complete analysis of service ratings, coverage plans, costs, and online feedback, I crafted a thorough picture of Palmdale, CA’s car insurance market.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Palmdale?
In Palmdale, drivers can get the lowest minimum coverage rates from GEICO, and the cheapest full coverage policies from AAA.
What is the average cost of car insurance in Palmdale?
Palmdale drivers usually pay around $170 monthly for car insurance, though prices can differ based on zip code, car year and model, and your driving record.
