Cheap Auto Insurance Quotes in Indio, CA (December 2021)

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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.

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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.

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.

Average Car Insurance Cost

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Indio, CA Driving Facts


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.

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.

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.

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.

Find local Indio agents

Tony Moreno Insurance
82013 Dr Carreon Blvd Ste N, Indio, CA
Palm Valley Insurance Services
45541 Oasis St, Indio, CA
Freeway Insurance
81618 US Highway 111, Indio, CA
Bill Brian Insurance Agency
81096 Highway 111, Indio, CA 92201
Desert Cornerstone Insurance Service
81713 Highway 111 Ste E, Indio, CA

Insurify Insights: How Indio Drivers Measure Up

Honda Civic
Most Popular Car in
Indio, CA
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Indio drivers measure up to their fellow California motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Indio

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 paid on average 4.62% more than drivers with a clean record

Speeding Indio

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 paid on average 84.39% more than drivers with a clean record

DUI/DWIs Indio

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 paid on average -79.77% more than drivers with a clean record

Rude Indio

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 paid on average --% more than drivers with a clean record.

Safest Drivers Indio

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%

Failure to Yield the Right of Way Indio

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 paid on average --% more than drivers with a clean record

Reckless Drivers Indio

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: --%

Most Popular Vehicle Indio

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.

FAQs - Indio, CA Car Insurance

How do I find cheap car insurance in Indio, CA?

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

How much does car insurance cost in Indio, CA?

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.

What drives up car insurance rates in Indio, CA?

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.

Insurify Rate Comparison Methodology

The 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.

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