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.
Cheapest and Best Car Insurance in Jurupa Valley, CA
Cheapest Minimum Liability Car Insurance in Jurupa Valley
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.
Cheapest Full Coverage Car Insurance in Jurupa Valley
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.
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Cheapest Car Insurance in Jurupa Valley After a Driving Offense
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.
Cheapest Car Insurance in Jurupa Valley for Teens and Their Families
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.
Cheapest Car Insurance in Jurupa Valley for Military Drivers
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.
How to Compare Cheap Jurupa Valley Car Insurance Quotes Online
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.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Jurupa Valley: Summary
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.
Best Overall Car Insurance in Jurupa Valley
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.
How was this MoneyGeek score calculated?
Most affordable policies in Jurupa Valley
Wide range of add-on coverages available
Offers custom parts coverage and gap insurance
Ranks #11 out of 15 insurers for customer satisfaction
Lacks new car replacement coverage
Progressive offers custom parts and equipment coverage, which provides up to $5,000 to repair or replace aftermarket parts, like stereos, navigation systems, paint jobs, custom wheels and more. Another helpful feature is deductible modification — for every six-month term you remain accident- and violation-free, Progressive will reduce your comprehensive or collision deductible by $50. However, this offer is reset if you make a claim.
They also offer gap insurance, which covers the difference between what you still owe on your lease or loan and the actual depreciated value of your vehicle if it is totaled or stolen. This coverage can save you thousands if you have to replace your vehicle.
Finally, Progressive offers pet coverage at no extra charge for collision coverage customers. This coverage pays for vet bills up to your specified limit if your pet is injured in an accident.
Best Car Insurance in Jurupa Valley for Customer Service
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.
How was this MoneyGeek score calculated?
Excellent customer satisfaction and claims processing
Offers original equipment manufacturer and diminished value coverage
Limited coverage options
Chubb offers antique and classic car insurance for vintage vehicles that are at least 30 years old, part of a collection or limited production models. Additionally, with Agreed Value coverage, you and the insurer agree upon the value of your car when you buy your policy. If your car is stolen or totaled, Chubb pays you this agreed-upon amount instead of the actual depreciated value of the vehicle. This can save you thousands in a covered incident.
Chubb’s original equipment manufacturer (OEM) coverage ensures that damaged parts of your vehicle will be replaced with original components from your car’s manufacturer. This helps restore the vehicle to peak condition, as opposed to repairing it with third-party or aftermarket parts.
Best Cheap Car Insurance in Jurupa Valley
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.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs $410 per year
Offers emergency deployment and federal employee discounts
Ranks #5 out of 15 insurers for satisfaction
Limited add-on coverage options
No paperless or pay-in-full discounts
GEICO's quality service and affordable insurance provide customers with great value for their money. They offer a range of discounts, both common and unique, to Jurupa Valley drivers aiming to cut down on auto insurance costs. Common discounts include those for bundling multiple policies, insuring multiple cars and always driving safely.
For example, policyholders in the military who are urgently deployed are eligible for emergency deployment discounts and current or retired federal personnel can get a federal employee discount. Additionally, full-time students with good grades may qualify for a good student discount and those over 50 may be able to take advantage of senior auto insurance discounts.
With so many discounts available, GEICO is a great option for Jurupa Valley drivers looking to save money on auto insurance.
Average Cost of Car Insurance in Jurupa Valley
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.
About Mark Fitzpatrick