Cheapest and Best Car Insurance in Jurupa Valley, CA (July 2024)

In Jurupa Valley, the company with the cheapest minimum coverage is Mercury, while Progressive offers the lowest rate for full coverage. For families with teens, Farmers becomes the most affordable.

Capital Insurance Group provides the best value between price and service as the top overall insurer, whereas Chubb excels in customer service. The best for your specific needs hinges upon personal preferences and coverage requirements.

Mercury offers the most affordable option for minimum coverage car insurance in Jurupa Valley. Here are the two most cost-effective providers:

• Mercury: $451 per year
• Progressive: $454 per year

Chubb offers the most expensive minimum coverage policy in the area, with an annual premium of $821. This contrast in pricing, with a difference of $370 annually compared with Mercury, highlights the significance of shopping around for car insurance.

State Minimum Liability Requirements

For all cities in California, including Jurupa Valley, statewide statutes mandate the minimum required car insurance coverage. These essentials are:

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

For instance, if you are at fault in an accident, your minimum coverage policy would pay up to $15,000 for injuries to one person. If multiple people are injured, it pays up to $30,000, with the $15,000 per person limit applying. Should the injuries total more than these caps, any additional costs would be your responsibility to cover out of pocket.

In Jurupa Valley, Progressive offers the cheapest full coverage car insurance.

• Progressive: $1,080 per year
• AAA: $1,186 per year

Farmers has the most expensive full coverage policy in Jurupa Valley, with an annual premium of $2,103 — over $1,000 more than Progressive. This difference highlights the importance of shopping around to ensure you're not overpaying for full coverage, which is typically more pricey than minimum coverage due to its comprehensive benefits.

Do You Need Full Coverage in California?

A full coverage policy in Jurupa Valley includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

AAA is the cheapest option in Jurupa Valley for a full coverage policy for drivers who have a speeding ticket or an accident record, while National General provides the lowest annual premium after a DUI. Here are the cheapest providers for each offense:

• Speeding ticket: AAA ($1,532 per year)
• At-fault accident: Capital Insurance Group ($1,665 per year)
• DUI: National General ($1,588 per year)

State Farm is the most expensive for those with an at-fault accident and a DUI, while Travelers tops the list after a speeding ticket. Differewnt violations impact car insurance rates significantly.

Insurance rates often increase with the severity of a driving offense, reflecting the higher risk insurers face. In Jurupa Valley, for instance, the average annual rate for drivers with a speeding ticket is approximately $2,122, while it increases escalates to around $3,523 for those with a DUI on their record.

This difference underscores the importance for drivers who have offenses to diligently compare insurance rates. Finding the most competitive option can lead to substantial savings.

Farmers offers the most affordable full coverage car insurance for teens in Jurupa Valley, providing significant savings for families.

• Farmers: $3,008 per year for female and male teens
• State Farm: $3,018 per year for female and male teens

These rates represent the cost of adding a teen to a policy held by two parents. Nationwide presents the highest premium for teen drivers in Jurupa Valley, with an annual rate of $5,062 for female teens, indicating a difference of $2,054 when compared with Farmers.

This contrast exemplifies why it is important for families to shop around, especially because teen drivers are considered higher risk and can significantly affect insurance premiums.

In Jurupa Valley, as in many cities, teens seeking car insurance can anticipate substantially different premium costs depending on their policy choice. The average individual annual premium for a teen driver is $4,304, in contrast to the more affordable $3,607 when added to a family plan.

A major factor contributing to these high rates for independent policies is the perceived risk that insurers associate with inexperienced teen drivers. Additionally, teens may face challenges securing an individual policy due to stringent approval criteria, reflecting insurers’ hesitation due to lack of driving history and higher accident probabilities. It's economically wiser for teens to opt for a joint family policy, leveraging the experience and lower risk profile of older family members.

Progressive is the cheapest option in Jurupa Valley for full coverage car insurance for those with a military background.

• Progressive: $1,080 per year
• AAA: $1,186 per year

While USAA isn't the least expensive in this list with an annual premium of $1,217, it does offer tailored services that cater specifically to the needs of active-duty military members. This often makes it a worthwhile consideration for many in the armed forces.

Finding the most affordable car insurance rates in Jurupa Valley demands thorough comparison, often taking upwards of 15 minutes per provider. With at least three companies to assess, individuals might invest over an hour into research. However, MoneyGeek's car insurance calculator streamlines this process significantly. By inputting a few critical details such as age, driving history, credit score, and desired coverage level, users can quickly receive tailored rate estimates, making it an efficient tool to pinpoint cost-effective insurance options.

The best auto insurance for you hinges on your priorities, including how you weigh factors like service, cost and coverage. MoneyGeek's unique scoring system evaluates companies across these categories in Jurupa Valley to help you decide:

• Best overall: Capital Insurance Group (MoneyGeek score: 82 out of 100)
• Best for service: Chubb (MoneyGeek score: 94 out of 100)
• Best cheap: Mercury (MoneyGeek score: 82 out of 100)

While Capital Insurance Group offers a strong balance of service and affordability for the best overall value, Chubb stands out for exceptional service regardless of cost. Mercury might appeal to budget-conscious consumers seeking affordability without sacrificing service quality.

Capital Insurance Group offers the best car insurance in Jurupa Valley, offering exceptional service and affordability.

• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,415 per year)
• Chubb: MoneyGeek score of 80 out of 100 ($1,901 per year)

Capital Insurance Group distinguishes itself primarily due to its high customer satisfaction and affordability. This score reflects the value of a full coverage policy. Their dedication to providing quality customer service alongside competitive pricing ensures that its policyholders in Jurupa Valley receive excellent value for their investment in car insurance.

Chubb is the standout option for car insurance in Jurupa Valley, particularly if you’re prioritizing exceptional customer service. This ranking emphasizes satisfaction, claims processing and comprehensive coverage options, not considering the cost of premiums.

• Chubb: MoneyGeek score of 94 out of 100 ($1,901 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,415 per year)

Chubb as a perfect stability score and the highest rating in the claims handling category. It provides Jurupa Valley drivers with a balance of reliability, customer satisfaction and robust coverage offerings.

Mercury is the best option in Jurupa Valley for consumers seeking cheap car insurance. This distinction is based on its MoneyGeek score, which balances affordability with claims handling and customer satisfaction.

• Mercury: MoneyGeek score of 82 out of 100 ($451 per year)
• Capital Insurance Group: MoneyGeek score of 77 out of 100 ($608 per year)

Mercury stands out primarily due to its exceptional affordability. Its competitive annual premium positions it at the forefront for value-conscious drivers in Jurupa Valley.

In Jurupa Valley, the average car insurance cost is $1,533, slightly less than the average California car insurance cost of $1,562. California's average is $219 less than the national average at $1,781.

Car insurance premiums are not determined by location alone, yet geographical factors carry significant weight in rate calculations. Insurance providers consider location vital due to variable elements such as traffic density, risk of accidents, crime rates, and local legislation — which can all influence claim frequency and costs. Within California, Santa Maria is the city with the cheapest car insurance at $1,106, while Glendale stands as the most expensive at $2,115. This $1,009 disparity exemplifies the impact of location on premiums. Areas with lower traffic density often have even more competitive rates.