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Cheap Auto Insurance Quotes in Indio, CA (September 2022)
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Edited by Olivia Oksenhorn | Reviewed by Licensed Insurance Agent, Amber Benka
Updated February 4, 2022
Car Insurance in Indio, CA
Regardless of whether you are just getting your first driver's license or have been driving for 20 years, you will need auto insurance coverage to drive in the state of California legally. For residents of the city of Indio, finding affordable car insurance is easy, thanks to a variety of insurance agents and insurance agencies in the area.
Depending on where you live in California, the average cost for auto insurance could differ. For example, motorists that live in the city of Indio typically pay $40 less than drivers currently residing in Newark.
Below is a more detailed look at the average cost for both Indio and Newark.
Quick Facts
- The average cost of car insurance in Indio is $185 per month, or $2220 annually.
- Car insurance in Indio is $8 more than the average cost of car insurance in California.
- The cheapest car insurance provider in Indio on average is Bluefire, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Travelers$128
Mercury$132
Anchor$135
Aspire General$149
Clearcover$154
Cheapest Car Insurance in Indio, CA
When it comes to coverage options, you want to find the cheapest car insurance possible. For drivers in Indio, there are many options to choose from. Along with large insurance providers such as Allstate, Farmers Insurance, and State Farm Insurance, there are several local options to consider.
| Insurance Provider in Indio | QuotesThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Travelers | $128 /mo |
| Mercury | $132 /mo |
| Anchor | $135 /mo |
| Aspire General | $149 /mo |
| Clearcover | $154 /mo |
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Best Car Insurance in Indio, CA
There are many ways to determine what the best Indio auto insurance company is. Some people like to base rankings on price, while others rank insurance providers by customer service. Insurify uses a ranking system called the ICS, or Insurify Composite Score, to compare insurers based on a multitude of factors.
The rankings in the table below provide a list of quality insurance providers to consider when shopping for car insurance quotes.
| Best Companies | ScoreThe Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor's, Moody's, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. | QuotesThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|---|
| Clearcover | 97 | $154 /mo |
| Safeco | 86 | $171 /mo |
| Travelers | 80 | $128 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| California Cities | |
|---|---|
| Los Angeles | $195/mo |
| San Diego | $173/mo |
| San Jose | $212/mo |
| San Francisco | $132/mo |
| Indio | $174/mo |
| California | $177/mo |
San Francisco$132
San Diego$173
Indio$174
Average for CA$177
Los Angeles$195
San Jose$212
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in California
All motor vehicles operated or parked on California roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in California[1] are:
- $15,000 per person for bodily injury
- $30,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. California is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $5,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Indio Car Insurance Rates by Driver Age
A driver's age can often significantly impact the rates they receive from auto insurance companies. In Indio, the average monthly premium for a teenage driver is $388, and a 60-year-old driver only pays $133 a month on average. The biggest reason for the $250 difference between the two is the number of years of experience behind the wheel.
As you will see in the chart below, the older a driver becomes, the lower they will generally pay for an auto insurance policy.
| Driver's Age | Avg. Monthly CostThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Teens | $388 |
| 20s | $272 |
| 30s | $174 |
| 40s | $148 |
| 50s | $136 |
| 60s | $133 |
| 70s | $150 |
| 80s+ | $157 |
Indio Car Insurance Rates by Driving and Accident History
There's no secret that being cited for an incident on your driving record or having a history of accidents can have an impact on the rates you pay each month. Often, the type of occurrence you have on your record will determine how high your rates are. For instance, one speeding ticket will generally result in less of a premium increase than multiple at-fault accidents.
See how different driving incidents could affect your average monthly premium rate below.
| Driving History | Avg. Monthly CostThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| No Violation | $196 |
| Speeding Ticket | $262 |
| At-Fault Accident | $251 |
| DUI | $388 |
Indio Car Insurance Rates by Credit Tier
When people think about credit rating, the first thing that comes to mind is credit cards and loans, not car insurance. However, the truth is that your credit rating can drastically affect your monthly payments. This is especially true for drivers in Indio, where the difference between an excellent rating and a bad rating is more than $100.
See how your credit rating could affect your car insurance rates below.
| Credit Tier | Avg. Monthly CostThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Excellent | $196 |
| Good | $209 |
| Average | $244 |
| Bad | $303 |
See More: Bad Credit Car Insurance California
Find local Indio agents
Tony Moreno Insurance
82013 Dr Carreon Blvd Ste N,
Indio, CAPalm Valley Insurance Services
45541 Oasis St,
Indio, CAFreeway Insurance
81618 US Highway 111,
Indio, CABill Brian Insurance Agency
81096 Highway 111,
Indio, CA 92201Desert Cornerstone Insurance Service
81713 Highway 111 Ste E,
Indio, CA
Indio DMV Information
The Indio DMV, located at 44480 Jackson St, is an excellent resource for new and current drivers. One of the perks of using the Indio location is that it is equipped with a self-serve kiosk that allows drivers to avoid waiting in long lines. Along with the kiosk, several services can be done online, like renewing your vehicle registration or driver''s license.
Drivers can also use the Indio DMV location for the following services:
- Register and take driving exams
- Transfer the title of a vehicle
- Request vehicle records
- Obtain plates, permits, and placards
- Start the process to get your driver''s license reinstated
Public Transportation in Indio
For the citizens of Indio who either don''t want to or can''t drive, there are other transportation options available in the city. For instance, people who need a ride throughout the city and surrounding areas can use the Greyhound & Crucero Bus. Another nearby transportation option is Cardiff Limousine & Transportation, based out of Palm Desert, CA.
How to Get the Cheapest Car Insurance in Indio
Even though Indio is known for having some of the more affordable rates in California, it can be a challenge to locate the cheapest car insurance policies. Often, shopping around and requesting multiple quotes is the only way to compare rates. This can become time-consuming and quite cumbersome.
Insurify simplifies the process by allowing you to apply for coverage within a matter of minutes. By simply answering a few standard questions, you will be presented with a list of quotes from qualified insurance providers. From there, you can quickly compare policies all on one page, allowing you to sift through quotes within seconds.
Discover your perfect auto insurance policy with Insurify today.
FAQs - Indio, CA Car Insurance
For drivers in Indio, CA, there are multiple ways to find cheap auto insurance. The strategy that often works the best is to shop around for the best price. Generally, the first quote you receive won't be the lowest, so shopping around lets you find better rates.
Another way to find cheap rates is by finding a company that will give you discounts for bundling your policy. The most common bundling discounts is auto insurance with your home insurance or renters insurance policy
There are several factors that car insurance companies use to ultimately determine a policyholder's monthly rate, like age, location, gender, and driving history. However, most motorists in Indio can expect to pay an average monthly rate of $172 for an auto insurance policy.
As a driver in Indio, CA, there are quite a few things that can cause your car insurance rates to rise. Generally, most policyholders will notice a significant increase in their monthly rates if something happens to their driving record. Accidents or high-risk incidents, such as speeding, DUIs, or failure to stop citations, will all cause rates to go up.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurify Insights
How Indio Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Indio, California below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Indio drivers measure up to their fellow motorists across California in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Toyota Camry
Most Popular Car in Indio
#82
City with the Most Speeding Tickets Rank in California
#278
City with the Most Moving Violations Rank in California
#66
City with the Most DUIs Rank in California
#166
City with the Most Suspended Licenses in California
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Indio drivers rank 328 in the number of car accidents per driver across all cities in California.
- Rank within state: #328
- Percent of drivers in Indio with an accident: 7%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Indio drivers rank 66 in the number of DUI’s per driver across all cities in California.
- Rank within state: #66
- Percent of drivers in Indio with a DUI: 2.7%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Indio drivers rank 297 in the number of reckless driving offenses per driver.
- Rank within state: #297
- Percent of drivers in Indio with a reckless driving offense: 0.6%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Indio drivers rank 323 in rude driving infractions.
- Rank within state: #323
- Percent of drivers in Indio with a reckless driving violation: 0.6%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Indio drivers rank 82 in the number of speeding infractions per driver.
- Rank within state: #82
- Percent of drivers in Indio with a speeding ticket: 8.8%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Indio drivers rank 94 in clean driving records across all cities in California.
- Rank within state: #94
- Percent of drivers in Indio with clean record: 81.1%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Indio drivers rank 187 in hybrid and electric vehicle ownership across all cities in California.
- Rank within state: #187
- Percent of drivers in Indio with a hybrid/electric vehicle: 2.5%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.
Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.
Learn MoreSources
- California Department of Motor Vehicles. "State Minimum Car Insurance." Accessed May 28, 2022