Cheapest and Best Car Insurance Companies in Jurupa Valley, CA

In Jurupa Valley, GEICO is the most affordable for minimum coverage auto insurance, while Progressive offers the lowest prices for full coverage. National General is the cheapest for those with tickets or DUIs, while AAA California has the most affordable plans for those with at-fault accidents. For teen drivers, Farmers is the most cost-effective, and USAA is the cheapest for military families.

Progressive is the best overall insurance provider in Jurupa Valley, California, and GEICO offers the best cheap policies. Finally, Chubb provides the best customer service.

The cheapest car insurance companies for minimum coverage policy in Jurupa Valley, California, are:

• GEICO: $410 per year
• AAA California: $441 per year

At $821 per year, Chubb offers the most expensive minimum coverage policy in Jurupa Valley.

California state law requires drivers to have bodily injury and property damage liability insurance. These are the minimum limits for the state’s drivers:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $5,000 property damage liability per accident

With liability-only coverage, your insurance will cover any damages to third parties in an at-fault accident. For instance, with a minimum coverage policy, if you cause an accident with $50,000 in third-party injuries, your insurer will cover $30,000 and you’ll pay the remaining $20,000.

The cheapest full coverage auto insurance companies in Jurupa Valley are:

• Progressive: $1,036 per year
• AAA California: $1,069 per year

Chubb has the city's most expensive full coverage policy rate at an average annual cost of $1,901.

A full coverage policy raises the limits of liability insurance and includes comprehensive and collision insurance.

• Collision Insurance: This covers damage to your car when it collides with another object (such as another car, a tree or a pole).
• Comprehensive Insurance: This covers damage to your car from events other than a collision, such as theft, vandalism, fire, flood or hail.

For drivers with older vehicles, it may not be advisable to invest hundreds of extra dollars annually for a full coverage policy, as the car may not be worth it.

According to MoneyGeek's data, these are the most affordable auto insurance carriers in Jurupa Valley for drivers with various offenses.

• Speeding ticket: National General ($1,350 per year)
• At-fault accident: AAA California ($1,606 per year)
• DUI: National General ($1,350 per year)

Chubb offers the most expensive auto insurance for drivers with speeding tickets and at-fault accidents, averaging $2,498 and $3,065, respectively. The Hartford is the most expensive option for those with DUIs at $5,006.

A driving offense can increase auto insurance premiums, so even the least costly rates are likely to be much higher after a violation.

Rates for drivers with more serious violations are often higher, but not always. For example, National General has the same premiums for Jurupa Valley drivers with either a DUI or speeding ticket. People with at-fault accidents, on the other hand, pay an extra $256 for their car insurance than those with a DUI or a ticket. Finding cheap car insurance with a bad driving record is still possible if you shop around and compare rates.

The cheapest car insurance companies in Jurupa Valley for adding a 16-year-old teen to a family policy are:

• Farmers: $3,008 per year for teen girls and boys
• State Farm: $3,018 per year for teen girls and boys

Nationwide is the costliest auto insurance provider for teenagers on a family policy, with an average yearly premium of $5,062.

In Jurupa Valley, the rates for teenage girls and boys are often the same. Generally speaking, companies charge more for teen boys because they are more likely to file claims. This gap in rates tends to decrease once teenagers reach early adulthood.

Adding a teen to a family's auto insurance in Jurupa Valley is a cost-effective choice. A teenage boy's individual car insurance premiums will be around $673 higher than adding him to a family policy. By researching the most affordable auto insurance for teen drivers, families can save on premium costs.

The least expensive full coverage car insurance providers in Jurupa Valley for individuals with a military background, such as active-duty or retired soldiers and their families, are:

• USAA: $905 per year
• Progressive: $1,036 per year

The rates in the lists above are for full coverage insurance plans. USAA is also the cheapest for minimum coverage at $386 per year, and GEICO earns second place at $410 yearly.

Searching for car insurance quotes can be time-consuming, often taking 15 minutes or more per company and requiring a lot of personal information. MoneyGeek's car insurance calculator simplifies the process. It uses your age, vehicle type, driving history and coverage levels to estimate rates from multiple insurers quickly.

The best car insurance provider for you will depend on whether you prioritize cost, service quality, coverage options or other factors. MoneyGeek researched car insurance companies in Jurupa Valley, California, and determined the best providers for different drivers' needs.

• Best overall: Progressive (MoneyGeek score 74 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: GEICO (MoneyGeek score 78 out of 100)

The MoneyGeek rating of each company may differ by category based on the weighting attributed to service and affordability.

On a statewide basis, CSAA is the top car insurance provider in California, and your location is important in determining your exact rates. Those with a military background should consider USAA, as it has a MoneyGeek rating of 85 out of 100.

The best overall companies for car insurance in Jurupa Valley are as follows:

• Progressive: MoneyGeek score of 74 out of 100 ($1,036 per year)
• GEICO: MoneyGeek score of 74 out of 100 ($1,077 per year)

Progressive offers the most affordable full coverage policies in Jurupa Valley, and it also provides a broad selection of valuable coverage options, making it our top pick in this category.

If you have a military background, USAA is an excellent option, earning a MoneyGeek score of 85 out of 100.

Without factoring in cost, the following companies are the best for customer service in Jurupa Valley:

• Chubb: MoneyGeek score 76 out of 100 ($1,901 per year)
• Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,389 per year)

Chubb stands out in terms of both customer satisfaction and efficient claims processing. When compared to the other 14 insurance companies we examined, Chubb offers a superior level of service, though its rates are significantly higher than all competitors. You will need to pay a high price to get the best possible service.

An assessment of affordability and service quality for minimum coverage insurance reveals that the top companies in Jurupa Valley are:

• GEICO: MoneyGeek score 78 out of 100 ($410 per year)
• Progressive: MoneyGeek score 74 out of 100 ($450 per year)

Despite offering the most affordable rates, minimum coverage plans do not offer much protection against liability costs and do not pay for any damage to your car due to an at-fault accident.

MoneyGeek’s data shows that the average full coverage car insurance policy in Jurupa Valley costs roughly $1,324 annually. As of October 2022, this is approximately $63 less than the average cost of car insurance in California but $122 more than the national average cost of auto insurance.

The quoted prices are for a full coverage policy, which includes $100,000 per person for bodily injury liability, $300,000 for bodily injury liability per accident and $100,000 for property damage liability.

Note that other factors aside from location also affect auto insurance costs.