Cheapest car insurance in Palm Desert, California (Apr 2024)

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Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor

Cheapest Car Insurance Quotes in Palm Desert

On average,
auto insurance
in Palm Desert costs about $62 per month for minimum coverage liability insurance, and about $182 per month for full coverage insurance. Palm Desert drivers pay less than the
See how much drivers in Hermosa Beach are paying compared to state and national  for minimum and full coverages: 
Coverage type
Palm Desert, CA
United States
State minimum
Full coverage
If you’re looking for a way to save on your car insurance in Palm Desert, California, turn to
to compare prices and procure a policy.
To help you get started in your search for the best car insurance rates in Palm Desert, take a look at some examples of the costs real customers in the Palm Desert area received with their provider through Jerry.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Nicholas, 47
Zip: 92211
Mercedes-Benz C 300
• State Minimum Liability
• Comp / Collision
Sara, 30
Zip: 92260
Toyota Prius
• 100,000/300,000 Liability
• Comp / Collision
Eliza, 27
Zip: 92260
Hyundai Elantra SE
• State Minimum Liability
• Comp / Collision
Lewis, 44
Zip: 92260
Honda FIT EX
• 25,000/50,000 Liability
• Comp / Collision
May, 60
Zip: 92260
Honda Insight EX
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 11, 2024

Best car insurance companies in Palm Desert

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
got mixed reviews for policy cost and customer service, smaller insurers like Clearcover
National General
came through with the highest ratings from actual customers. 
The table below shows how drivers in Palm Desert rate different companies on a scale of 0 to 5.
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry rating

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 Palm Desert

California has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Palm Desert 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 Palm Desert

In order to legally hit the road, Palm Desert, California drivers need to meet California minimum coverage limits for bodily injury liability and property damage liability. California minimum liability coverage includes:
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’s what Palm Desert drivers pay on average for minimum liability coverage with some of the best providers:
Insurance provider
Monthly minimum coverage cost

Do you need more than minimum coverage in Palm Desert?

Most drivers in Palm Desert 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 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
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 Palm Desert

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.
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 Palm Desert for full coverage policies:
Insurance provider
Monthly full coverage cost
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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.

Car insurance quotes in Palm Desert by rating factors 

Insurance companies in Palm Desert 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 you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure.

How do different factors impact your car insurance costs in Palm Desert?

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 Palm Desert:

Cheap car insurance quotes in Palm Desert after driving violations

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 accident 
  • Reckless driving 
  • Driving on a suspended license

Cheapest car insurance in Palm Desert after speeding ticket

In Palm Desert, a speeding ticket could increase your car insurance rate by as high as 46.7%. Here’s how much your rates can change with a single speeding ticket in California.
MPH over limit
Monthly coverage cost
Rate increase (%)
To maintain cheaper rates, make sure to check your speed and continuously practice safe driving.

Cheapest car insurance in Palm Desert after DUI

In Palm Desert,
a DUI violation
can increase your insurance rates significantly. As a result, you may need to compare rates from many insurance companies to find low-cost options after a DUI.
The table below shows just how much a DUI can impact your California car insurance.
Monthly coverage cost
Rate increase (%)

Cheapest car insurance in Palm Desert after an at-fault accident

One of the most important factors affecting car insurance rates is your car accident or claim history. 
Remember that California is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. This is how much you could pay for car insurance after an at-fault accident.
Driving record
Monthly coverage cost
Rate increase (%)
At-fault accident

Cheapest car insurance in Palm Desert 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 Palm Desert.
We’ve compiled a list of various other driving violations and how they affect car insurance in Palm Desert.
Monthly coverage cost
Rate increase (%)
Improper passing
Following too closely
Failure to stop
Driving on suspended license

Cheap car insurance quotes in Palm Desert 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 Palm Desert for young drivers

Teen drivers
aged 18 to 21 pay the highest insurance rates out of any age group in Palm Desert. 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 Palm Desert for both the state minimum and full coverage. 
Age group
Monthly minimum coverage cost
Monthly full coverage cost

Cheapest car insurance in Palm Desert for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-44 see some of the cheapest rates for all age demographics, with rates rising between 45-54, and then again at 65. 
Age group
Monthly minimum coverage cost
Monthly full coverage cost
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 Palm Desert for senior drivers

Older drivers
in Palm Desert 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 may charge older adults in Palm Desert more for coverage.
Here’s what senior drivers, aged 55-65+ generally pay for full coverage and state minimum car insurance in Palm Desert.
Monthly minimum cost
Monthly full coverage cost

Cheap car insurance quotes in Palm Desert 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. You can see in the table below how much the average increase is for a lapse in coverage in California.
Insurance history
Monthly minimum coverage cost
Rate increase (%)
With coverage lapses
To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.
Indio drivers who experience a lapse in their car insurance policy end up paying more for premiums. To make sure your rates remain low, make sure to line up a new policy before cancelling your current one, and always make your payments on time.

How to lower car insurance costs in Palm Desert

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.

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.


How much is car insurance in Palm Desert?

People living in Palm Desert pay on average $62 on state-minimum liability coverage. Full coverage in Palm Desert costs on average $182 per month.

What is the cheapest car insurance in Palm Desert?

Most drivers in Palm Desert find the best savings with providers like
National General
, and Clearcover.

What is the best car insurance in Palm Desert?

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. Clearcover and
receive good ratings from Palm Desert drivers, based on the largest car insurance survey in the nation conducted by Jerry.

What is the minimum car insurance in Palm Desert?

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


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
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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
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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
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Head Of Insurance Operations
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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.