Auto Insurance in Coachella (92236)
California · Expensive · 87th percentile statewide
Carrier Rates in 92236
6-month premiums from SERFF rate filings. Standard driver profile.
How 92236 Compares
Coachella (92236) is expensive for auto insurance in California, ranking in the 87th percentile.
The cheapest carrier is USAA at $488/6mo — 73% less than the most expensive (State Farm at $1,796).
The median premium of $1,074 is 18% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Coachella (92236)?
The median 6-month premium in Coachella (92236) is $1,074 across 9 carriers. Premiums range from $488 to $1,796, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 92236?
USAA offers the lowest rate in 92236 at $488/6mo. That's 73% less than the most expensive option (State Farm at $1,796/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 92236?
Auto insurance rates in Coachella (92236) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Coachella ranks in the 87th percentile statewide, meaning it's expensive compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 92236?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.