Palmdale Auto Insurance Rates, Quotes, Agents & Reviews in CA

Palmdale, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Palmdale, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Top 5 Car Insurance Companies in Palmdale, CA, by Market Share

The average cost of auto insurance in Palmdale, CA, is $1,782. This is lower than the average cost of auto insurance in neighboring places such as Desert View Highlands, Quartz Hill, North Antelope Valley, and Sun Village. Auto insurance depends on numerous factors ranging from the make and model of the car to the driver’s age. Below is a list of the best auto insurance companies in Palmdale, CA.



State Farm occupies the first spot with a massive 4,106,038 direct premiums written and 4,090,146 direct premiums earned. The company holds a market share of 13.74% in California. State Farm received a score of 808/1000 in the J.D. Power Auto Insurance Study. One only needs to go as far as State Farm’s online faculty for an overview of the various insurance coverages they provide. The company is credited with a solid rating of A++ by A.M. Best. 


Farmers occupies a market share of 10.68% in California. The company has 3,191,341 direct premiums written, and 3,189,468 direct premiums earned. The ease of navigating the Farmers website is an added advantage. Farmers ranks a tad low on the J.D. Power Auto Insurance Study with a score of 805/1000. A.M. Best has given Farmers an A rating for its financial strength in the markets. 


With 2,897,713 direct premiums written and 2,794,052 direct premiums earned, GEICO is a close third. The company has a market share of 9.69% in California and enjoys an A.M. Best Rating of A++. GEICO received a score of 825/1000 on the J.D. Power Auto Insurance Study, and also received the “Better Than The Most” tag. 


Allstate has 2,687,887 direct premiums written and 2,640,022 direct premiums earned in California. Allstate occupies the fourth spot with a market share of 8.99%. The company was one of the leading insurance providers in the auto insurance market back in 2010. Allstate has a J.D. Power Auto Insurance score of 808/1000 and an A.M. Best Rating of A+.


AAA enjoys the “Better Than The Most” tag, alongside a J.D. Power score of 834/1000. The company occupies a market share of 8.69%. AAA offers Umbrella Liability Insurance and enjoys an A.M. Best Rating of A. It has 2,598,340 direct premiums written, and 2,470,179 direct premiums earned.


Factors that can influence the cost of car insurance in Palmdale, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Palmdale, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Palmdale, CA with that of other cities in and around Palmdale.

Palmdale Lancaster Desert View Highlands Quartz Hill North Antelope Valley Sun Village
Average Insurance Rates $1,782 $1,654 $1,788 $1,824 $1,800 $1,794

Palmdale, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Palmdale, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Palmdale $1,861 $1,572
Desert View Highlands $2,928 $2,473
Quartz Hill $2,110 $1,783
Acton $1,935 $1,635
Lancaster $1,302 $1,100
Littlerock $948 $800
Sun Village $2,957 $2,498
North Antelope Valley $1,276 $1,078

Palmdale, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Palmdale, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,782
20 Years $2,290
30 Years $1,764
40 Years $1,697
50 Years $1,571
60 Years $1,593
70 Years $1,855

Palmdale, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Palmdale, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,065 $499
3 Vehicles $4,598 $748
4 Vehicles $6,130 $998

Savings on 2 Vehicles bundle:$499

Savings on 3 Vehicles bundle:$748

Savings on 4 Vehicles bundle:$998

Palmdale, CA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Palmdale, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Palmdale $1,782 $4,388
Desert View Highlands $1,788 $4,402
Quartz Hill $1,824 $4,491
Acton $1,922 $4,732
Lancaster $1,654 $4,072
Littlerock $1,783 $4,390
Sun Village $1,794 $4,417
North Antelope Valley $1,800 $4,432

Palmdale, CA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,529
Excellent (740-799) $1,745
Good (670-739) $1,857
Average (580-669) $2,423
Poor (300-579) $2,907

Palmdale, CA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
B. Lidia Guzman Farmers 2023 E Palmdale Blvd, Palmdale, 93550 (661) 274-1202
Zachery Cullen Allstate 2271 E Palmdale Blvd Ste F, Palmdale, 93550 (661) 947-9266
B & B Premier Insurance Solutions Inc Liberty Mutual Independent 5008 CHESEBORO RD STE 200, AGOURA, 91301 661-964-0207
B & B Premier Insurance Solutions Inc Liberty Mutual Independent 5008 CHESEBORO RD STE 200, AGOURA, 91301 661-964-0207
Barbara Marshall State Farm 1045 Foothill Blvd, La Canada, 91011-3249 818-790-1034
Anita Griffin Farmers 227 E Avenue M, Lancaster, 93535 (661) 945-8019
Edward Cadji Farmers 19634 Ventura Blvd Ste 211, Tarzana, 91356 (818) 342-2898
Kat Durham State Farm 13523 Ventura Blvd, Sherman Oaks, 91423-3801 818-995-1494
Eva Chong Allstate 13317 Ventura Blvd Ste I, Sherman Oaks, 91423 (323) 984-9845
Bonnie Reiner Lutcf Farmers 19634 Ventura Blvd Ste 211, Tarzana, 91356 (818) 342-2898
Tashjian Insurance Agency Inc Liberty Mutual Independent 109 N IVY AVE STE B, MONROVIA, 91016 (626) 357-4566

Palmdale, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$78 $1,860
Driver's Failure In Showing Documents +$173 $1,955
Driving With An Expired Registration +$184 $1,966
Driving At A Considerably Slow Pace +$387 $2,169
Using A Cellphone While Driving +$408 $2,190
Running A Red Light +$415 $2,197
Speeding +$437 $2,219
Driving A Vehicle Without The Required Permission +$554 $2,336
Driving With An Expired/Suspended License +$1,201 $2,983

Palmdale, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,711
Active Disabling Device $1,711
Tracking Device $1,675
Passive Disabling Device $1,657

Latest Auto Insurance Reviews in Palmdale, CA | Back to Top

I have a plan with a lower monthly premium and a higher deductible with adequate protection for me and my family.
State Farm
I would highly recommend them. The longer you stay with the company, the more you get out of it. Their customer service is always really friendly and helpful.
I like the customer service I receive from Geico. I am not required to speak to the same rep and can talk to anyone that answers the call.
I would definitely recommend this company to others. The reason being that they are a great company to deal with and don't deny your claims.
I will say when I did first sign up for the policies that were available at the cost I couldn't go wrong. Compared to my other company I was dealing with and with the others we looked Travelers had them beat.
Very easy to sign up online and compare the rates.All of my claims with them have been very easy to get my money back or get them to cover it.
I think that they are a little bit expensive but they do provide an amazing service. Especially compared to the smaller car insurance companies. AAA really has their customers backs.
Compared to quotes I have received from other companies, my rates are a lot cheaper with gieco.
My policy covers accidental and collision, injuries and personal injury protection. It also covers damage to property and offers a set amount of coverage per item. And it also covers incidents from uninsured and under-insured.
State Farm
They have bad commercials and some friends of mine have had issues with their pricing strategy and have gotten cheaper rates from other insurance companies
The premium for my insurance coverage isn't the best rate available. However, the company does allow the premium to be paid in monthly installment payments instead of every 6 months or 1 year in advance.
American National Property And Casualty Company
So far, I have had no experiences with the company that make me dislike them or feel negatively about them. I hope this continues.
Compared to other insurance providers, Geico seemed to be the best option. I do not travel much, only a few miles a day. With that said, I only need basic coverage.
I didn't like how one agent kept trying to upsell me when I called about changing something on my policy. Otherwise, I haven't had many interactions with them.
The Hartford
the charges and fees from our insurance and for that matter any insurer in Michigan are astronomical and unreasonable all due to the unlimited medical coverage resulting from an accident. We can barely afford to keep ourselves covered and have had to delay driving privileges for our children because we simply can't afford the premiums.
This company is very accessible - online, app, & phone