Cheapest Car Insurance Quotes in Palm Springs

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Palm Springs Car Insurance

^$ 100

/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 Palm Springs

The car insurance rate in Palm Springs is $2378 for a six-month policy, which is $667 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1503, making it a popular choice for budget-conscious drivers. Rates in Palm Springs 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 Palm Springs

$2378

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Palm Springs

1st place: Travelers

At $1503 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1569 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1643 for six months, making it the third cheapest auto insurance company in Palm Springs.

Palm Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Palm Springs, FL is Travelers, offering policies at just $1503 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1569.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3319 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Palm Springs drivers find the best deals.

Cheap Car Insurance Companies in Palm Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1503	$253
State Farm	$1569	$264
Nationwide	$1643	$277
United Automobile Ins Group	$1899	$322
UAIC	$2098	$353
Progressive	$2477	$417
Mercury	$3583	$598
Allstate	$3608	$607
MetLife	$2089	$356
Farmers	$3319	$553

Key Takeaways

Way's key takeaways about car insurance in Palm Springs

The auto insurance costs in Palm Springs fall around $1503 for six months.
The cheapest auto insurance company in Palm Springs is Mercury.
Teen drivers pay the highest rate in Palm Springs at $1920 per month.

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

Cheapest Minimum Liability Car Insurance in Palm Springs

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 Palm Springs are given below.

Mercury provides the cheapest minimum car insurance coverage in Palm Springs. Their Average 6 Month Premium is $595. Farmers is the most expensive at $916 for the same period.

Cheapest Liability Coverage in Palm Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$595	$100
Nationwide	$660	$113
MetLife	$694	$115
AIG	$776	$132
United Automobile Ins Group	$999	$167
Travelers	$1156	$195
State Farm	$1710	$288
Progressive	$2856	$481
Allstate	$3204	$539
UAIC	$3740	$637
Patrons Insurance	$174	$29
Farmers	$916	$153

Cheapest Full Coverage Car Insurance in Palm Springs

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 Palm Springs is Travelers at $253 per month and $1503 for six months.

Cheapest Full Coverage Car Insurance Quotes in Palm Springs, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1503	$253
State Farm	$1569	$264
Nationwide	$1643	$277
United Automobile Ins Group	$1899	$322
UAIC	$2098	$353
Progressive	$2477	$417
Mercury	$3583	$598
Allstate	$3608	$607
MetLife	$2089	$356
Farmers	$3319	$553

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Average Car Insurance in Palm Springs 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 Palm Springs, FL increasing?

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

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

Car Insurance Premiums by Age in Palm Springs

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

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Cheapest Car Insurance Rates for Teen Drivers in Palm Springs,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Palm Springs at $125 per month. At $11287 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$752	$125
AIG	$1016	$172
Travelers	$2716	$457
State Farm	$3353	$564
United Automobile Ins Group	$4682	$780
UAIC	$4797	$816
Allstate	$7133	$1201
Mercury	$8801	$1482
Progressive	$12938	$2178
Farmers	$11287	$1920

Teen Car Insurance Rates in FL by Age

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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Palm Springs, Nationwide is the cheapest car insurance provider. At $899 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Palm Springs is Farmers, offering rates of around $4591 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$899	$153
Mercury	$983	$164
Direct General Insurance	$1024	$174
UAIC	$2106	$350
Travelers	$2494	$420
Progressive	$6664	$1111
Allstate	$7133	$1213
State Farm	$8934	$1489
Farmers	$4591	$781

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Car Insurance Rates with An Accident in Palm Springs

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 Palm Springs, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Palm Springs

The cheapest car insurance companies after an at-fault accident in Palm Springs include Nationwide and AIG, offering $949 and $1213, respectively. Farmers is an expensive provider with an average six-month premium of $4631.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$949	$158
AIG	$1213	$206
State Farm	$1536	$259
Travelers	$1561	$263
United Automobile Ins Group	$2469	$411
Mercury	$2551	$430
UAIC	$2758	$460
Progressive	$4549	$766
Allstate	$6308	$1062
Farmers	$4631	$771

Palm Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Palm Springs FL. For example, the car insurance in Palm Springs after a DUI increases to $1304 for a six month policy. While the rate increases by $397 for a six-month policy in the case of a speeding ticket.

Palm Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2535	$423
One Med/PIP claim	$2535	$431
Not-at-fault accident	$2741	$457
Two Med/PIP claims	$2816	$478
One comp claim	$2856	$477
Child safety restraint	$2865	$486
Failure to wear a seat belt	$2865	$478
Driving without lights	$2873	$488
Failure to show documents	$2873	$480
Speeding 6 - 10 MPH over limit	$2932	$499
Improper passing	$2940	$489
Passing school bus	$2940	$500
Wrong way/wrong lane	$2940	$489
Failure to stop at a red light	$2948	$502
Failure to yield	$2948	$491
Illegal turn	$2948	$502
Cell phone violation	$2957	$492
Driving with expired registration	$2957	$503
Following too closely	$2957	$492
Texting while driving	$2963	$505
Two comp claims	$3030	$505
Driving too slowly	$3047	$518
Speeding in school zone	$3047	$507
Speeding 11 - 15 MPH over limit	$3055	$520
In 65 MPH zone	$3162	$527
Speeding 16 - 20 MPH over limit	$3162	$538
Speeding 21 - 25 MPH over limit	$3179	$530
Open container	$3212	$546
Operating a vehicle without permission	$3212	$535
At-fault accident - less than $1000	$3485	$592
At-fault accident - $1000-$2000	$3542	$591
At-fault accident - greater than $2000	$3542	$602
Racing	$3831	$638
DUI	$3839	$653
Refusal to submit to a chemical test	$3839	$639
Driving with a suspended license	$3906	$664
Reckless driving	$3988	$664
Leaving scene of an accident/hit and run	$4030	$685

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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 Palm Springs 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 Palm Springs.

The cheapest car insurance premiums in Palm Springs are offered by AIG at $892 for a six-month policy. However, it can be as expensive as $3774 with companies like Farmers.

Palm Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$892	$152
Travelers	$1710	$288
State Farm	$2123	$357
Progressive	$2353	$396
Allstate	$3187	$537
UAIC	$3740	$623
Farmers	$3774	$628

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 Palm Springs are offered by Nationwide at $776. However, it can be as expensive as $4030 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Palm Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$776	$129
State Farm	$1238	$208
Travelers	$1528	$257
UAIC	$2106	$359
Allstate	$2278	$384
Progressive	$5350	$909
Farmers	$4030	$685

Car Insurance Price Trends in Palm Springs, Florida

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

The average cost of full coverage in the Palm Springs rose by $393 in February compared to $356 of January. In other words, there has been an increase by $37 when you compare February and January.

The average cost of liability insurance in the Palm Springs rose to $267 in February, compared to $115 in January. This represents an increase of $152 when comparing February and January.

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Frequently Asked Questions

How much is car insurance in Palm Springs?

The car insurance in Palm Springs is $100 per month, which is lower than the national average.

What is the cheapest car insurance in Palm Springs?

The cheapest car insurance in Palm Springs is $253 per month for full coverage.

How much is car insurance in Palm Springs for teenagers?

Car insurance for teenagers costs $752 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 Palm Springs?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $399 per month to insure your car in Palm Springs.

Is car insurance expensive in Palm Springs?

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

Cheapest Car Insurance Quotes in Palm Springs

Why you can trust Way?

How Much Is Car Insurance in Palm Springs

Avg. Car Insurance in Palm Springs

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Palm Springs

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Palm Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Palm Springs, FL

Way's key takeaways about car insurance in Palm Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Palm Springs

Cheapest Liability Coverage in Palm Springs, FL

Cheapest Full Coverage Car Insurance in Palm Springs

Cheapest Full Coverage Car Insurance Quotes in Palm Springs, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Palm Springs by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Palm Springs, FL increasing?

Car Insurance Premiums by Age in Palm Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Palm Springs,FL

If you are in your twenties N/A is the best choice for car insurance in Palm Springs.

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 Palm Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Palm Springs

Palm Springs Car Insurance Rates by Violation

Palm Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Palm Springs after a DUI

Palm Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Palm Springs after Speeding ticket

Car Insurance Price Trends in Palm Springs, Florida

Average Car Insurance Cost in Palm Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Palm Springs, FL

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

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