Palm Desert has 51,990 residents in 24,690 households. We list 14 insurance agencies in Palm Desert. Here is what the local numbers say about the cover people here need.

Palm Desert at a glance

14insurance agencies listed
35%of households rentRenters insurance
$542,000median home valueHome insurance
1985median year homes were builtRebuild cost calculator
3.9%of households have no carAuto insurance
9.6%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Riverside County

FEMA rates the overall natural hazard risk in Riverside County, where most Palm Desert agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

WildfireVery High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in California
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
EarthquakeVery High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in California How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

What Palm Desert agencies can write

Share of the 14 agencies listed in Palm Desert that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Palm Desert agencies are

Palm Desert agencies we list sit in 2 ZIP codes, mostly in Riverside County.

922609 agencies
922115 agencies

Questions

Insurance agencies in Palm Desert

How do I find an insurance agency in Palm Desert?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Palm Desert?

Most often life. Pick a type in the filters to narrow the list.

Do I need flood insurance in Palm Desert?

FEMA's National Risk Index rates inland flooding risk in Riverside County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Palm Desert?

35% of households in Palm Desert rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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