Cheapest Car Insurance Quotes in Twentynine Palms

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Twentynine Palms Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Twentynine Palms

The car insurance rate in Twentynine Palms is $1469 for a six-month policy, which is $224 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $758, making it a popular choice for budget-conscious drivers. Rates in Twentynine Palms can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Twentynine Palms

$1469

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Twentynine Palms

1st place: CSAA

At $758 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1213 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1233 for six months, making it the third cheapest auto insurance company in Twentynine Palms.

Twentynine Palms Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Twentynine Palms, CA is CSAA, offering policies at just $758 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1213.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1619 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Twentynine Palms drivers find the best deals.

Cheap Car Insurance Companies in Twentynine Palms, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$758	$127
Mercury	$1213	$204
AAA NorCal	$1233	$210
Progressive	$1233	$208
Wawanesa	$1290	$217
USAA	$1311	$221
Auto Club	$1345	$229
Allstate	$1500	$253
AAA SoCal	$1584	$269
Kemper	$1676	$280
State Farm	$1795	$302
Travelers	$2005	$334
Farmers	$2012	$342
AAA	$1619	$270

Key Takeaways

Way's key takeaways about car insurance in Twentynine Palms

The auto insurance costs in Twentynine Palms fall around $758 for six months.
The cheapest auto insurance company in Twentynine Palms is CSAA.
Teen drivers pay the highest rate in Twentynine Palms at $712 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Twentynine Palms

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Twentynine Palms are given below.

CSAA provides the cheapest minimum car insurance coverage in Twentynine Palms. Their Average 6 Month Premium is $182. Travelers is the most expensive at $771 for the same period.

Cheapest Liability Coverage in Twentynine Palms, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$182	$31
AAA NorCal	$301	$51
USAA	$343	$58
Progressive	$407	$68
Auto Club	$413	$68
Wawanesa	$434	$73
AAA	$498	$83
AAA SoCal	$505	$86
Mercury	$505	$85
State Farm	$553	$93
Allstate	$638	$107
Farmers	$687	$117
Travelers	$771	$129

Cheapest Full Coverage Car Insurance in Twentynine Palms

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Twentynine Palms is CSAA at $127 per month and $758 for six months.

Cheapest Full Coverage Car Insurance Quotes in Twentynine Palms, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$758	$127
Mercury	$1213	$204
AAA NorCal	$1233	$210
Progressive	$1233	$208
Wawanesa	$1290	$217
USAA	$1311	$221
Auto Club	$1345	$229
Allstate	$1500	$253
AAA SoCal	$1584	$269
Kemper	$1676	$280
State Farm	$1795	$302
Travelers	$2005	$334
Farmers	$2012	$342
AAA	$1619	$270

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Average Car Insurance in Twentynine Palms by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Twentynine Palms, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Twentynine Palms, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Twentynine Palms's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Twentynine Palms

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$708
30s	Wawanesa	$571
40s	Wawanesa	$571
50s	Wawanesa	$571
60s	Wawanesa	$571
70s	Wawanesa	$559

Cheapest Car Insurance Rates for Teen Drivers in Twentynine Palms,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Twentynine Palms at $84 per month. At $4268 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$491	$84
Capital Insurance Group	$617	$103
USAA	$1605	$270
Wawanesa	$1640	$274
Progressive	$1879	$316
Mercury	$1948	$328
CSAA	$2067	$348
Auto Club	$3035	$506
State Farm	$3098	$522
Allstate	$3603	$607
AAA SoCal	$3813	$648
AAA NorCal	$3862	$643
Travelers	$4010	$682
Farmers	$4268	$712

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Twentynine Palms.

As young drivers face the highest rates in Twentynine Palms, Wawanesa offers the cheapest auto insurance rates at $708 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Twentynine Palms.

Car Insurance Rates with An Accident in Twentynine Palms

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Twentynine Palms, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Twentynine Palms

The cheapest car insurance companies after an at-fault accident in Twentynine Palms include AAA and Capital Insurance Group, offering $441 and $644, respectively. Allstate is an expensive provider with an average six-month premium of $4072.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$441	$73
Capital Insurance Group	$644	$110
CSAA	$863	$145
USAA	$1416	$238
Mercury	$1549	$261
Progressive	$1619	$273
Wawanesa	$1822	$303
Auto Club	$2019	$343
Farmers	$2208	$372
AAA NorCal	$2503	$426
AAA SoCal	$2713	$452
State Farm	$3204	$539
Travelers	$3862	$643
Allstate	$4072	$686

Twentynine Palms Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Twentynine Palms CA. For example, the car insurance in Twentynine Palms after a DUI increases to $2053 for a six month policy. While the rate increases by $539 for a six-month policy in the case of a speeding ticket.

Twentynine Palms auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1283	$214
Not-at-fault accident	$1283	$218
One comp claim	$1283	$214
One Med/PIP claim	$1283	$218
Two comp claims	$1283	$214
Two Med/PIP claims	$1283	$218
At-fault accident - less than $1000	$1311	$218
Failure to show documents	$1690	$287
Driving with expired registration	$1724	$288
Driving without lights	$1724	$293
Failure to wear a seat belt	$1731	$289
Child safety restraint	$1745	$296
Speeding 11 - 15 MPH over limit	$1815	$302
Speeding 16 - 20 MPH over limit	$1815	$309
Driving too slowly	$1822	$303
Failure to stop at a red light	$1822	$310
Failure to yield	$1822	$303
Following too closely	$1822	$310
Illegal turn	$1822	$303
In 65 MPH zone	$1822	$310
Speeding 21 - 25 MPH over limit	$1822	$303
Speeding 6 - 10 MPH over limit	$1822	$310
Speeding in school zone	$1822	$303
Improper passing	$1829	$312
Cell phone violation	$1836	$306
Texting while driving	$1836	$313
Passing school bus	$1857	$309
Wrong way/wrong lane	$2172	$369
Operating a vehicle without permission	$2222	$371
At-fault accident - $1000-$2000	$2236	$380
At-fault accident - greater than $2000	$2236	$373
Open container	$2243	$381
Driving with a suspended license	$2601	$433
Reckless driving	$3168	$539
Racing	$3204	$533
Leaving scene of an accident/hit and run	$3217	$548
DUI	$3336	$556
Refusal to submit to a chemical test	$3336	$568

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Twentynine Palms after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Twentynine Palms.

The cheapest car insurance premiums in Twentynine Palms are offered by Capital Insurance Group at $961 for a six-month policy. However, it can be as expensive as $883 with companies like AAA.

Twentynine Palms car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$961	$160
Mercury	$1374	$231
Progressive	$1822	$307
Wawanesa	$2053	$349
Farmers	$2306	$388
CSAA	$2453	$413
USAA	$2530	$426
Travelers	$2873	$484
Auto Club	$4058	$676
AAA NorCal	$4437	$754
AAA SoCal	$4976	$830
State Farm	$6315	$1063
Allstate	$6435	$1083
AAA	$883	$150

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Twentynine Palms are offered by CSAA at $112. However, it can be as expensive as $3085 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Twentynine Palms after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$112	$19
Capital Insurance Group	$617	$105
Mercury	$1325	$223
USAA	$1352	$230
Progressive	$1359	$229
AAA NorCal	$1564	$266
AAA SoCal	$2165	$361
Allstate	$2747	$467
Farmers	$2860	$477
State Farm	$3056	$519
Travelers	$3085	$514

Car Insurance Price Trends in Twentynine Palms, California

Car insurance rates in Twentynine Palms have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Twentynine Palms rose by $250 in January compared to $227 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Twentynine Palms rose to $72 in January, compared to $65 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Twentynine Palms?

The car insurance in Twentynine Palms is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Twentynine Palms?

The cheapest car insurance in Twentynine Palms is $127 per month for full coverage.

How much is car insurance in Twentynine Palms for teenagers?

Car insurance for teenagers costs $491 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Twentynine Palms?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $247 per month to insure your car in Twentynine Palms.

Is car insurance expensive in Twentynine Palms?

Car insurance can be expensive in Twentynine Palms if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Twentynine Palms can be affordable.

Cheapest Car Insurance Quotes in Twentynine Palms

Why you can trust Way?

How Much Is Car Insurance in Twentynine Palms

Avg. Car Insurance in Twentynine Palms

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Twentynine Palms

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Twentynine Palms Car Insurance Rates by Company

Cheap Car Insurance Companies in Twentynine Palms, CA

Way's key takeaways about car insurance in Twentynine Palms

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Twentynine Palms

Cheapest Liability Coverage in Twentynine Palms, CA

Cheapest Full Coverage Car Insurance in Twentynine Palms

Cheapest Full Coverage Car Insurance Quotes in Twentynine Palms, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Twentynine Palms by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Twentynine Palms, CA increasing?

Car Insurance Premiums by Age in Twentynine Palms

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Twentynine Palms,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Twentynine Palms.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Twentynine Palms

Cheapest Car Insurance Companies after an At-Fault Accident in Twentynine Palms

Twentynine Palms Car Insurance Rates by Violation

Twentynine Palms auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Twentynine Palms after a DUI

Twentynine Palms car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Twentynine Palms after Speeding ticket

Car Insurance Price Trends in Twentynine Palms, California

Average Car Insurance Cost in Twentynine Palms by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Twentynine Palms, CA

Car Insurance Rates by State in the USA (2025 Update)

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