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.
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:
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:
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.
GEICO:
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:
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:
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 Rates
- Palmdale, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Palmdale, CA
- Multi Vehicle Insurance Savings in Palmdale, CA
- How Credit Score Affects Car Insurance Rates in Palmdale, CA
- How DUI Affects Auto Insurance Premiums in Palmdale, CA
- Top Auto Insurance Agents Near Palmdale, CA
- How Driving Violations Affect Auto Insurance Rates in Palmdale, CA
- Palmdale, CA Auto Insurance Discounts on Anti Theft Feature
- Palmdale, CA Auto Insurance Company Reviews
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
GeicoI have a plan with a lower monthly premium and a higher deductible with adequate protection for me and my family.
State FarmI 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.
GeicoI 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.
ProgressiveI 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.
TravelersI 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.
GeicoVery 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.
AaaI 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.
GeicoCompared to quotes I have received from other companies, my rates are a lot cheaper with gieco.
GeicoMy 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 FarmThey have bad commercials and some friends of mine have had issues with their pricing strategy and have gotten cheaper rates from other insurance companies
AllstateThe 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 CompanySo far, I have had no experiences with the company that make me dislike them or feel negatively about them. I hope this continues.
GeicoCompared 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.
GeicoI 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 Hartfordthe 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.
ProgressiveThis company is very accessible - online, app, & phone