Palm Desert Car Insurance Resources

Palm Desert, CA Car Insurance

Cars Insured in Palm Desert

^ There are an estimated 31,498 vehicles currently insured in Palm Desert. ^[1]

Car Insurance Rates in Palm Desert

^ From 2006 to 2010, California cities had the 20th highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Palm Desert

^ There are an estimated 4,653 uninsured motorists driving in Palm Desert. ^[3]

Palm Desert Car Insurance

Car Insurance Liability Requirements in Palm Desert

Minimum Liability Limits in Palm Desert: 15/30/5 ^[4]
- 15 Required coverage up to $15,000 for one individual injured in an accident
- 30 Required coverage up to $30,000 for all persons injured in an accident
- 5 Required coverage up to $5,000 for property damage in an accident
- Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.
- Note: CA has a California Automobile Assigned Risk Plan for low-income drivers with low-cost policy limits of $10,000/$20,000/$3,000.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Palm Desert

Palm Desert Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage

Car Insurance Verification Laws in Palm Desert

Insurer Verification of Auto Insurance in Palm Desert ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurer must verify financial responsibility or insurance after an accident or arrest.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Palm Desert Car Insurance Facts, Estimates & Related Laws

Palm Desert Car Insurance Stats

Number of Auto Insurance Policies in Palm Desert
- Based on historical and current data, 31,498 cars are currently insured in Palm Desert. ^[5]
- California cities collectively ranked 1st in the nation in auto insurance policies in 2011 with a total of 24,221,799. ^[1]
Uninsured Motorist Rate in Palm Desert
- Based on historical and current data, Palm Desert has an estimated 4,653 uninsured drivers. ^[6]
- California cities collectively had the 17th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Palm Desert
- California cities collectively had the 21st highest auto insurance rates in the nation in 2010. ^[2]

Palm Desert Distracted Driving Laws

Hand-held phone ban? Yes

hand-held phone ban in place for all drivers. ^[7]

Texting-while-driving ban? Yes

Texting-while-driving ban in place for all drivers, although drivers older than 18 may dictate, send or listen to text-based messages if they're using voice-activated, hands-free devices. ^[7]

Young drivers cell phone ban? Yes

Ban applies to drivers younger than 18. ^[7]

Bus driver cell phone ban? Yes

Ban applies to school and transit bus drivers. ^[7]

Enforcement of laws:

Primary enforcement in effect for hand-held and texting laws. Secondary enforcement in effect for all cell phone use by drivers 17 and younger. ^[7]
With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Palm Desert Automotive Laws

Minimum Driving Age in Palm Desert ^[9]
- Palm Desert, CA minimum driving age: 15 years, 6 months.
Driver's License Renewal Cycle in Palm Desert
- Renewal cycle: 5 years ^[7]
Motorcycle Helmet Laws in Palm Desert
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Palm Desert
- Safety belt laws have been in place since 1986 and apply to drivers/passengers 16+ years in all seats. ^[7]
- Child restraint law in place for 7 years and younger who are less than 57 inches. ^[7]

California Car & Driver Facts

California Auto Registrations

Auto Registrations in CA ^[8]
- Registered Cars: 14,549,841
- Registered Trucks: 13,771,330
- Registered Motorcycles: 818,650
- Total Registrations: 29,176,697
- Rank: California ranked 1st in the United States in total auto registrations in 2011.

California Automotive Facts

Speed Limits in CA
- Rural interstates: 70 mph (Trucks: 55 mph) ^[7]
- Urban interstates: 65 mph (Trucks: 55 mph) ^[7]
- Other roads: 65 mph (Trucks: 55 mph) ^[7]
California Motor Fuel Consumption
- California cities collectively ranked 1st in the nation in total motor fuel consumption in 2011. ^[10]

California Licensed Drivers

Licensed Drivers in CA ^[11]
- Female Drivers: 11,746,427
- Male Drivers: 12,110,173
- Total Drivers: 23,856,600
- Rank: 1st highest in the U.S.

Additional information about Palm Desert, CA

About Palm Desert

Palm Desert (California) is a city with a population of 48,445 ^[12] that is located in Riverside County.

More about Palm Desert auto insurance

For more information about Palm Desert car insurance, or for additional resources regarding California car insurance overall, visit the California Department of Insurance.

Did you know?

Under primary laws, an officer can ticket a driver for the offense (such as texting) without another traffic violation occurring.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)