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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
Palmdale, California, sits about 60 miles north of Los Angeles and is in Los Angeles County. Average car insurance rates in Palmdale are $120 per month for liability insurance and $238 per month for full coverage. Average auto insurance costs in Palmdale are comparable to those in nearby Lancaster and higher than in Victorville.
Palmdale drivers pay more than the California state averages of $97 per month for liability coverage and $201 for full coverage.
Palmdale’s long average commute time of 40 minutes and weather-related risks, such as flooding, may affect car insurance rates.[1] [2] Also, Los Angeles County had the highest level of vehicle thefts in 2025 according to Insurify data, which can affect rates in Palmdale even though it’s more than 60 miles away.
California requires all drivers to carry a minimum level of insurance, which includes bodily injury coverage of $30,000 per person and $60,000 per accident, as well as $15,000 in property damage liability coverage.[3]
On average, liability-only policies cost $120 per month in Palmdale. USAA is the cheapest insurer for liability insurance in Palmdale, with an average rate of $79 per month.
Explore the cheapest liability-only auto rates in California below.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $66 |
| Aspire General | $70 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Direct Auto | $86 |
| Root | $88 |
| Farmers | $93 |
| Anchor | $95 |
| State Farm | $101 |
| Bristol West | $102 |
| Kemper Special | $103 |
| Travelers | $106 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $180 |
Liability quotes start at $79/mo.
Average full-coverage rates in Palmdale are $238 per month. The cheapest full-coverage insurer is Aspire General, with an average rate of $146 per month.
While full-coverage auto insurance is optional in California, many drivers purchase it for stronger protection. Drivers in Palmdale may want to consider full coverage due to the city’s various weather hazards, including flooding and wildfires, which comprehensive coverage protects against.
The table below shows some of the cheapest full-coverage car insurance rates in California.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $122 |
| Root | $134 |
| GEICO | $140 |
| Mercury | $141 |
| USAA | $146 |
| Kemper Special | $159 |
| Kemper Rsvp | $163 |
| Sun Coast | $168 |
| Anchor | $177 |
| Dairyland | $196 |
| National General | $196 |
| Farmers | $207 |
| Direct Auto | $209 |
| Bristol West | $215 |
| State Farm | $224 |
| Travelers | $235 |
| 21st Century | $256 |
| First Acceptance | $340 |
| Chubb | $399 |
Average auto rates in Palmdale are higher than the California average, though they aren’t as high as in Los Angeles, which has average rates of $148 per month for liability insurance and $292 per month for full coverage. Rates in neighboring Lancaster are similar to Palmdale, with average rates of $115 per month for liability and $232 per month for full coverage.
Palmdale may have higher rates than the state average due to its above-average commute time and flooding risk.
In the table below, explore average monthly car insurance quotes in different California cities.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
Expert Insight: How your location affects insurance rates
“Where you live, from the county level to your ZIP code, can have an effect on your insurance rates. Los Angeles County has the highest vehicle theft rate in the U.S., which negatively affects rates in Palmdale. Drivers can prioritize safe driving, comparing quotes, increasing their deductible, and shopping for discounts to help offset higher rates.”
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*Quotes generated for Insurify users in and around Palmdale, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Palmdale, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your overall driving record has the biggest effect on your rates, especially if you’ve been involved in any car accidents or DUIs or you have speeding tickets. Here are the cheapest companies for Palmdale drivers by driving record.
Cheapest car insurance for Palmdale drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Palmdale: USAA
Cheapest car insurance for Palmdale drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Palmdale: USAA
Insurers consider drivers with an incident on their record to be high-risk and more likely to commit another traffic offense. To offset this risk, insurers charge higher rates. California has at-fault car insurance laws, which means the driver who causes an accident is financially responsible for the other driver’s injuries and damages.
Under California’s Statewide Ignition Interlock Device (IID) pilot program, DUI offenders may be required to install an IID in their vehicle for up to four years.[4] Palmdale recorded 170 DUI arrests in 2023.[5]
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $179 |
| Speeding ticket | $228 |
| At-fault accident | $229 |
| DUI | $244 |
Although Palmdale is known for its dry desert climate, drivers should still be prepared for weather-related hazards. The city of Palmdale identifies floods, severe weather, and wildfires among its primary local hazards. Flooding is a particular concern in the greater Antelope Valley area.
Winter weather can also affect roads in Palmdale, especially for drivers commuting through nearby mountain passes. Although snowfall within Palmdale is uncommon, storms can bring icy conditions to surrounding highways. Before traveling through winter storms, drivers should check road conditions with Caltrans.
Palmdale has a higher-than-average commute time, and commuters can take advantage of the city’s park-and-ride program to get to Los Angeles. There are three locations: West Avenue S, East Avenue S, and Pelona Vista.[6]
Palmdale drivers regularly experience commuter traffic on state Route 14 (the Antelope Valley Freeway) and state Route 138 (Palmdale Boulevard/Pearblossom Highway).
Palmdale commuters have an average commute of 40 minutes, according to U.S. Census Bureau data, which is higher than the national average of 27 minutes. More time spent on congested Palmdale roads increases drivers’ exposure to crashes and insurance claims, which can contribute to higher rates.
Monthly rates start at $100 for Palmdale drivers with an incident
Palmdale teen drivers typically pay more than adult drivers, with monthly averages of $214 for a liability-only policy and $424 for a full-coverage policy.
California follows a graduated licensing system, and teens can start the process at age 15 and a half. During the licensing process, teens have to take various tests and have restrictions on driving hours and who can be in the car.[7]
The table below shows the cheapest rates for teenage drivers in California.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $119 |
| Aspire General | $125 |
| GEICO | $125 |
| Sun Coast | $127 |
| Root | $131 |
| Mercury | $131 |
| Dairyland | $139 |
| National General | $143 |
| Direct Auto | $166 |
| Bristol West | $178 |
| Anchor | $180 |
| Farmers | $183 |
| Kemper Special | $184 |
| State Farm | $193 |
| 21st Century | $202 |
| Kemper Rsvp | $205 |
| Travelers | $217 |
| First Acceptance | $275 |
| Chubb | $363 |
About 11% of Palmdale’s population is seniors aged 65 and older, according to U.S. Census Bureau data. Senior drivers in their 60s living in Palmdale pay an average of $109 per month for liability insurance and $216 per month for full coverage.
Explore cheap auto rates for senior drivers in California in the table below.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $55 |
| GEICO | $57 |
| National General | $59 |
| Mercury | $59 |
| Aspire General | $64 |
| Sun Coast | $64 |
| Dairyland | $70 |
| Direct Auto | $72 |
| Farmers | $76 |
| Anchor | $78 |
| State Farm | $82 |
| Root | $83 |
| Travelers | $87 |
| Bristol West | $87 |
| 21st Century | $93 |
| Kemper Special | $94 |
| Kemper Rsvp | $104 |
| First Acceptance | $140 |
| Chubb | $140 |
If you’re trying to find the best car insurance rate in Palmdale, check out the answers to the common questions below.
The average car insurance cost in Palmdale, CA, is $179 per month. This breaks down to $120 per month for liability-only coverage and $238 per month for full-coverage policies.
USAA offers the cheapest liability-only coverage in Palmdale, with an average monthly cost of $79. Aspire General has the cheapest full coverage, with an average rate of $146 per month.
Various factors affect car insurance costs in Palmdale, including your driving history, age, and claims history. Local factors include weather risks, the high average commute time, and the high theft rate in Los Angeles County. Prices can also vary significantly by insurer, which is why it’s important to shop around before making a final decision.
You can find the best Palmdale car insurance quotes by comparing coverage and rates from multiple insurers. Purchasing multiple insurance products with the same insurer, such as by bundling your car insurance with your home or renters insurance, can help you qualify for a discount.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
