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Updated on Nov 21, 2024

Kianna Walpole

Expert Insurance Writer & Editor

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor

Learn more about our insurance review board

What's on this page?

Cheapest car insurance quotes in Indio
Best car insurance companies in Indio
Best cheap car insurance quotes in Indio
Car insurance quotes in Indio by rating factors
How do different factors impact your car insurance costs in Indio?
Cheap car insurance quotes in Indio after driving violations
How to lower car insurance costs in Indio
FAQ
Methodology
Meet our experts

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Cheapest car insurance quotes in Indio

On average,

auto insurance

in Indio costs about $57 per month for minimum coverage liability insurance, and about $179 per month for full coverage insurance. Indio drivers pay 24.9% less than the

California

average.

Coverage type	Indio, CA	California	United States
State minimum	$57	$66	$77
Full coverage	$179	$230	$165

When it comes to car insurance, savvy shoppers in Indio, California turn to

Jerry

. Not only can you compare quotes from up to 55+ providers are once, but you can also find rates tailored to your specific drive profile.

Compare car insurance quotes now

Best car insurance companies in Indio

There is no single best car insurance company for everyone. The most important reason is that every customer gets different

car insurance quotes

based on their profile—meaning that the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service.

To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.

While big-name carriers like

Progressive

and Clearcover got mixed reviews for policy cost and customer service, smaller insurers like

Aspire Advantage

and

National General

came through with the highest ratings from actual customers.

The table below shows how drivers in Indio rate different companies on a scale of 0 to 5, along with their average full and minimum coverage costs.

Insurance company	Monthly minimum coverage cost	Monthly full coverage cost	Cost rating	Overall Jerry rating
Progressive	$50	$157	3.9	4.2
Clearcover	$53	$172	4.6	4.7
Travelers	$54	$138	4.2	4.6
Dairyland	$54	$265	4.5	4.7
National General	$54	$191	4.7	4.8
Aspire Advantage	$72	$191	4.6	4.9

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Indio

California has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Indio and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.

Cheap minimum liability insurance quotes in Indio

In order to legally hit the road, Indio , California drivers need to meet California minimum coverage limits for bodily injury liability and property damage liability. California minimum liability coverage includes:

$15,000 per person/$30,000 per accident in

bodily injury liability

$5,000 per accident in

property damage liability

These coverages are commonly referred to as 15/30/5 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.

Here are some examples of Indio car owners received with a few of the top insurers in the state.

Insurance provider	Monthly minimum coverage cost
Mercury Auto	$35
Progressive	$41
Safe Auto	$55
Aspire Advantage	$61

Do you need more than minimum coverage in Indio?

Most drivers in Indio need higher liability coverage than the 15/30/5 state minimum mandated by

California car insurance laws

In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 15/30/5 limit, especially if you cause serious injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above that scant $5,000 property damage limit.

For better financial protection, you should consider liability limits of 50/100/50 or 100/300/100.

California’s car accident laws
allow drivers to file bodily injury lawsuits for up to two years after a car accident and sue for property damage for up to three years—so your liability extends long past the initial accident!

Cheap full coverage car insurance quotes in Indio

Full coverage car insurance

is the only way to protect yourself from costs associated with repairing or replacing your car.

Full coverage includes comprehensive and collision coverage.

Collision coverage

covers the cost of fixing or replacing your car after an accident

Comprehensive coverage

pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.

Remember: If you have a loan on the car, your lender will typically require collision and comprehensive coverage.

On top of a full-coverage policy, you can purchase

uninsured motorist coverage

to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Take a look at the table below to see some of the best providers in Indio for full coverage policies:

Insurance provider	Monthly full coverage cost
Kemper	$108
Mercury Auto	$115
Travelers	$138
Progressive	$157
Safeco	$169

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

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Car insurance quotes in Indio by rating factors

Insurance companies in Indio use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.

Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.

The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.

Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.

How do different factors impact your car insurance costs in Indio?

Allowed (with applicable limitations): Driving experience, marital status, zip code.

Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, insurance history.

Learn more about the car insurance rating factors in Indio:

Cheap car insurance quotes in Indio after driving violations

Your

California driving history

impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:

Speeding

DUIs

At fault accidents

Reckless driving

Driving on a suspended license

Cheapest car insurance in Indio after speeding ticket

A speeding ticket can raise your car insurance rates in Indio, regardless of whether it's a minor violation, or a significant speeding charge.

Check out how much you could pay for insurance in Indio after a speeding infraction:

Violation	Monthly coverage cost	Rate increase (%)
Speeding	$149	26%

Cheapest car insurance in Indio after DUI

In Indio,

a DUI violation

can increase your insurance rate by as much as 85%. If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.

Here's how much you may pay for car insurance after a DUI in Indio:

Violation	Monthly coverage cost	Rate increase (%)
DUI	$318	170%

Cheapest car insurance in Indio after an at-fault accident

One of the most important factors affecting car insurance rates is your car accident or claim history.

California is an at-fault state. If you were involved in an at-fault accident in the recent past, you could face hefty fines and license suspension—and your car insurance rates may skyrocket.

Take a look at the table below to see how an at-fault accident can influence your premiums:

Driving record	Monthly coverage cost	Rate increase (%)
At-fault accident	$171	44.9%

To keep your rates low, practice safe driving habits using a telematics app. You may even earn a discount!

Cheapest car insurance in Indio after other driving violations

In addition to speeding tickets and DUIs, other violations such as

reckless driving

and driving on a suspended license can also cause your in car insurance costs to increase in Indio.

Here's how other violations can also change your car insurance costs:

Violation	Monthly coverage cost	Rate increase (%)
Failure to obey signal	$159	34.7%

Cheap car insurance quotes in Indio by age

Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.

Cheapest car insurance in Indio for young drivers

Teen drivers

aged 18 to 21 pay the highest insurance rates out of any age group in Indio. For teen car owners that drive a newer car, full coverage would afford better financial protection as teens are more likely to get into accidents—and staying on a parent’s policy is the best way to keep rates low.

The table below shows the average rates for drivers 18 to 25 in Indio for both the state minimum and full coverage.

Age group	Monthly minimum coverage cost	Monthly full coverage cost
18–21	$133	$574
22–25	$82	$255

Cheapest car insurance in Indio for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 26-44 see some of the cheapest rates for all age demographics.

These are some of the average rates real drivers in Indio pay for car insurance after 25:

Age group	Monthly minimum coverage cost	Monthly full coverage cost
26-34	$52	$143
35-44	$54	$123
45-54	$61	$120

While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.

Cheapest car insurance in Indio for senior drivers

Older drivers

in Indio are more likely to be involved in an accident. Furthermore, they’re much more vulnerable to injuries after a car accident. All of this can be very expensive, which is why car insurance companies charge drivers over 65 in Indio more for coverage.

Here’s what senior drivers, aged 55-65+ generally pay for full coverage and state minimum car insurance in Indio.

Age group	Monthly minimum coverage cost	Monthly full coverage cost
55-64	$54	$155
65+	$69	$210

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Cheap car insurance quotes in Indio based on insurance history

An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not.

Any lapse in your insurance coverage

usually leads to an increase in car insurance rates.

By how much? See the table below to determine the average cost of your premiums with a poor insurance history:

Insurance history	Monthly coverage cost	Rate increase (%)
With coverage lapses	$172	45.7%

Cheap car insurance quotes in Indio for popular cars

The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.

Here’s what drivers in Indio pay on average to insure some of the most popular vehicles in the city:

Vehicle tpye	Monthly minimum coverage cost
Ford Bronco	$66
Toyota Prius	$92
Tesla Model Y	$94
Honda Civic	$97
Toyota Camry	$98

Learn more:

How to get car insurance before buying a car

How to lower car insurance costs in Indio

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Indio?

People living in Indio pay on average $57 per month on state-minimum liability coverage. Full coverage in Indio costs on average $179 per month.

What is the cheapest car insurance in Indio?

Most drivers in Indio find the best savings with providers like

Progressive

and

Mercury Auto

What is the best car insurance in Indio?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.

National General

Aspire Advantage

, and

Dairyland

receive good ratings from Indio drivers, based on the largest car insurance survey in the nation conducted by Jerry.

What is the minimum car insurance in Indio, California?

California's minimum insurance requirements—known as the 15/30/5 rule—mandate the following: $15,000 per person in bodily injury liability, $30,000 per accident in bodily injury liability, and $5,00 per accident in property damage liability.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

Kianna Walpole

Expert Insurance Writer & Editor

Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.

Amy Bobinger

Licensed Insurance Agent — Expert Insurance Editor

Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.

Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.