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Cheap Auto Insurance Quotes in Indio, CA (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
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.
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 | Quotes |
|---|---|
| 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 | Score | Quotes |
|---|---|---|
| Clearcover | 97 | $154 /mo |
| Safeco | 86 | $171 /mo |
| Travelers | 80 | $128 /mo |
| National General | 58 | $155 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| California Cities | |
|---|---|
| Los Angeles | $195/mo |
| San Diego | $172/mo |
| San Jose | $210/mo |
| San Francisco | $132/mo |
| Indio | $172/mo |
| California | $176/mo |
San Francisco$132
San Diego$172
Indio$172
Average for CA$176
Los Angeles$195
San Jose$210
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in CA
California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.
California's minimum liability car insurance limits are as follows:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per 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 Cost |
|---|---|
| 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 Cost |
|---|---|
| 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 Cost |
|---|---|
| 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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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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.
Honda Civic
Most Popular Car in Indio
#70
City with the Most Speeding Tickets Rank in California
#229
City with the Most Moving Violations Rank in California
#44
City with the Most DUIs Rank in California
#146
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 209 in the number of car accidents per driver across all cities in California.
- Rank within state: #209
- Percent of drivers in Indio with an accident: 7.34%
- Drivers in Indio, CA with an accident in their driving history pay on average 4.62% more than drivers with a clean record
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 70 in the number of speeding infractions per driver.
- Rank within state: #70
- Percent of drivers in Indio with a speeding ticket: 8.3%
- Drivers in Indio, CA with a speeding ticket in their driving history pay on average 84.39% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Indio drivers rank 44 in the number of DUI’s per driver across all cities in California.
- Rank within state: #44
- Percent of drivers in Indio with a DUI: 3.28%
- Drivers in Indio, CA with a DUI in their driving history pay on average -79.77% more than drivers with a clean record
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 53 in rude driving infractions.
- Rank within state: #53
- Percent of drivers in Indio with a reckless driving violation: 2.32%
- Drivers in Indio, CA with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Indio drivers rank 23 in clean driving records across all cities in California.
- Rank within state: #23
- Percent of drivers in Indio with clean record: 82.05%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Indio drivers rank 5 in failure to yield violations per driver across all cities in California.
- Rank within state: #5
- Percent of drivers in Indio with a failure to yield violation: 0.58%
- Drivers in Indio, CA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
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 92 in the number of reckless driving offenses per driver.
- Rank within state: #92
- Percent of drivers in Indio with a reckless driving offense: 0%
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Indio is the Honda Civic.
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.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, 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
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