Compare the Cheapest Car Insurance Quotes in Jurupa Valley

Jurupa Valley’s average car insurance rate is $1,331, which is cheaper than the state average. The cheapest insurer in the city is Esurance. MoneyGeek looked into the cheapest insurance companies based on driving history and coverage levels. We also ranked companies based on service quality and affordability.

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Last Updated: 5/16/2022
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Esurance is the cheapest insurer in Jurupa Valley, but driver profiles and coverage levels can change that.

Esurance is the cheapest after a speeding ticket. Progressive is the cheapest for state minimum policies.

Those with military affiliations could save money with USAA.

Based on our research, the best car insurance in Jurupa Valley that balances cost and service is AAA.

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The Cheapest and Best Car Insurance in Jurupa Valley

The Cheapest Car Insurance Companies in Jurupa Valley

For drivers seeking a full coverage policy, the top two car insurance companies in Jurupa Valley that offer the most affordable options are, on average:

  • Esurance: $982 per year
  • Progressive: $1,026 per year

You might benefit from USAA, which is the third cheapest car insurance carrier at roughly $1,044 per year, if you have a military background or are a member of a military family.

The cheapest Esurance plan is around 63.3% cheaper than identical coverage from Farmers, the city's most expensive car insurance carrier. A full coverage policy includes both comprehensive and collision coverage. But, the amount of liability coverage you choose may affect the price.

Cheapest Car Insurance in Jurupa Valley
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $982
  • 2.
    Progressive
    $1,026
  • 3.
    USAA
    $1,044
  • 4.
    AAA
    $1,137
  • 5.
    MetLife
    $1,228
  • 6.
    Mercury
    $1,256
  • 7.
    GEICO
    $1,286
  • 8.
    Allstate
    $1,408
  • 9.
    Hartford
    $1,432
  • 10.
    State Farm
    $1,473
  • 11.
    Allied
    $1,557
  • 12.
    Travelers
    $1,584
  • 13.
    Farmers
    $1,604

In accordance with our methodology, MoneyGeek collected standard rates for a 40-year-old male driver in Jurupa Valley with full coverage insurance.

The cost of a full coverage policy is more than that of a minimum coverage policy, but it includes comprehensive and collision coverage in addition to the state's minimum liability and other coverages. It provides better protection against the cost of car damage.

  • Collision Insurance: Covers you in the event of a collision with another vehicle or a stationary object that causes property damage or medical expenditures.
  • Comprehensive Insurance: Covers you for theft, hail, vandalism and other damages outside of accidents.

If you have full coverage on an older automobile, you may end up paying more for insurance than the car is worth. To get the best prices, you might opt to go with liability-only insurance or even the state's minimum auto insurance.

Compare Car Insurance Rates in Jurupa Valley

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Jurupa Valley for Minimum Coverage

The most affordable option in Jurupa Valley is the state minimum coverage, but it is limited in terms of protection.

On average, the following are companies provide the lowest rates for this policy:

  • Progressive: $448 per year
  • AAA: $500 per year

USAA is also the best option if you're in the military or have served in the military because the average annual cost of their minimum coverage, $412, is the cheapest in the state.

Progressive offers the cheapest car insurance in Jurupa Valley for minimum coverage, which is about $365 cheaper than the most expensive option, Farmers. Since it does not include comprehensive and collision insurance, the minimum coverage provides a limited amount of coverage. Getting insurance for less money is possible, but there's a chance you won't be completely protected. This means that, eventually, you may have to pay a higher price.

Toggle the table below to determine how much it costs to have higher liability coverage.

Cheapest Minimum Liability Car Insurance in Jurupa Valley
State Minimum

You may pay the lowest monthly charge possible with a state minimum insurance in California, but it also provides the lowest level of protection. Minimum coverage includes bodily injury liability and property damage liability protection. It will lead to cost savings on your monthly bills, but if you have an accident, you may have to pay more out of cash.

For instance, if you cause an accident that has $50,000 in bodily injury costs and you only have the minimum coverage, you’ll pay $20,000 out of pocket.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Jurupa Valley if You Have Driving Violations

If you have a bad driving record, your insurance premium can increase significantly. On average, here are your cheapest options if you have driving regulations:

  • Cheapest after a ticket: Esurance at $1,242 per year
  • Cheapest after an at-fault accident: Esurance at $1,536 per year
  • Cheapest after a DUI: Mercury at $2,056 per year

The cheapest insurance for drivers with a speeding ticket is $1,140 per year from USAA. However, it is only available if you have a background in the military.

You can reduce your premiums by improving your driving record. The process, however, can take time. In the interim, it’s a good idea to shop around to see which is the best cheap car insurance company after an accident or a ticket.

Cheapest Car Insurance in Jurupa Valley With a Violation
Speeding Ticket

Average Cost of Car Insurance in Jurupa Valley

Jurupa Valley$1,331
California$1,429
U.S.$1,424

The average cost of car insurance in California is $1,429. The cost of premium in Jurupa Valley is about $1,331 per year, which is 6.9% less than the state's average. Jurupa Valley’s rate is also 6.5% cheaper than the national average, which is $1,424 per year.

Personalized Quotes to Get You the Cheapest Car Insurance in Jurupa Valley

Your insurer will evaluate and decide your car insurance quotes in Jurupa Valley based on several factors, including your age, driving record and the amount of coverage you want. As a result, it's critical to research customized quotes that fit your profile on a regular basis. By comparing personalized quotes from multiple companies, you can also find out if you are qualified for discounts.

Compare Car Insurance Rates in Jurupa Valley

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Jurupa Valley

MoneyGeek found that the best car insurance companies in Jurupa Valley that balance costs and service quality are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

While USAA received a perfect score, we excluded it from our rankings because it is only available to military families.

Insurance companies are rated on the basis of their customer happiness, affordability and financial stability using MoneyGeek's score methodology and data from J.D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

When determining car insurance premiums, insurance companies often use your ZIP code to evaluate the amount of risk in your area. When it comes to car insurance in California, there are higher rates in areas where vandalism and auto theft are common. It's the same in densely populated places as well. Using postal codes, you may compare car insurance quotes in California. In the case of Jurupa Valley, however, the annual cost is $1,331 for all ZIP codes.

  • Zip Code
    State Minimumper year
  • 91752
    $1,331

Factors That Impact Insurance Costs in Jurupa Valley

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Jurupa Valley. How Jurupa Valley ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities303rd/300
handcuffs2 icon
Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall271st/300
umbrella icon
Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Jurupa Valley are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.