Auto Insurance in Desert Hot Springs (92241)
California · Below Average · 35th percentile statewide
Carrier Rates in 92241
6-month premiums from SERFF rate filings. Standard driver profile.
How 92241 Compares
Desert Hot Springs (92241) is below average for auto insurance in California, ranking in the 35th percentile.
The cheapest carrier is USAA at $493/6mo — 70% less than the most expensive (Allstate at $1,619).
The median premium of $877 is 4% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Desert Hot Springs (92241)?
The median 6-month premium in Desert Hot Springs (92241) is $877 across 9 carriers. Premiums range from $493 to $1,619, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 92241?
USAA offers the lowest rate in 92241 at $493/6mo. That's 70% less than the most expensive option (Allstate at $1,619/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 92241?
Auto insurance rates in Desert Hot Springs (92241) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Desert Hot Springs ranks in the 35th percentile statewide, meaning it's below average 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 92241?
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.