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


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Updated: October 3, 2024

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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.

MoneyGeek Logo IconBest & CheapestCar InsuranceJurupa Valley
2024

Cheapest and Best Car Insurance in Jurupa Valley

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Jurupa Valley, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Jurupa Valley insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial through original research.

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These rates reflect the cheapest car insurance quotes in Jurupa Valley, CA as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Jurupa Valley

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
MercuryAnnual Premium$451Monthly Premium$38
ProgressiveAnnual Premium$454Monthly Premium$38
GEICOAnnual Premium$468Monthly Premium$39
AAAAnnual Premium$515Monthly Premium$43
KemperAnnual Premium$520Monthly Premium$43
State NationalAnnual Premium$580Monthly Premium$48
FarmersAnnual Premium$587Monthly Premium$49
Capital Insurance GroupAnnual Premium$608Monthly Premium$51
HartfordAnnual Premium$610Monthly Premium$51
State FarmAnnual Premium$656Monthly Premium$55
NationwideAnnual Premium$670Monthly Premium$56
TravelersAnnual Premium$674Monthly Premium$56
AllstateAnnual Premium$716Monthly Premium$60
National GeneralAnnual Premium$799Monthly Premium$67
ChubbAnnual Premium$821Monthly Premium$68

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.

Cheapest Full Coverage Car Insurance in Jurupa Valley

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,080Monthly Premium$90
AAAAnnual Premium$1,186Monthly Premium$99
MercuryAnnual Premium$1,230Monthly Premium$103
GEICOAnnual Premium$1,237Monthly Premium$103
KemperAnnual Premium$1,351Monthly Premium$113
HartfordAnnual Premium$1,374Monthly Premium$115
AllstateAnnual Premium$1,374Monthly Premium$115
State NationalAnnual Premium$1,390Monthly Premium$116
Capital Insurance GroupAnnual Premium$1,415Monthly Premium$118
National GeneralAnnual Premium$1,514Monthly Premium$126
State FarmAnnual Premium$1,642Monthly Premium$137
NationwideAnnual Premium$1,688Monthly Premium$141
ChubbAnnual Premium$1,901Monthly Premium$158
TravelersAnnual Premium$1,987Monthly Premium$166
FarmersAnnual Premium$2,103Monthly Premium$175

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.

Cheapest Car Insurance in Jurupa Valley After a Driving Offense

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
AAAAnnual Premium$1,532Monthly Premium$128
National GeneralAnnual Premium$1,588Monthly Premium$132
MercuryAnnual Premium$1,625Monthly Premium$135
Capital Insurance GroupAnnual Premium$1,627Monthly Premium$136
KemperAnnual Premium$1,793Monthly Premium$149
GEICOAnnual Premium$1,841Monthly Premium$153
State NationalAnnual Premium$1,975Monthly Premium$165
AllstateAnnual Premium$2,002Monthly Premium$167
ProgressiveAnnual Premium$2,032Monthly Premium$169
HartfordAnnual Premium$2,052Monthly Premium$171
State FarmAnnual Premium$2,435Monthly Premium$203
ChubbAnnual Premium$2,498Monthly Premium$208
FarmersAnnual Premium$2,913Monthly Premium$243
NationwideAnnual Premium$2,918Monthly Premium$243
TravelersAnnual Premium$3,001Monthly Premium$250

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.

Cheapest Car Insurance in Jurupa Valley for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
FarmersFamily Plan Annual Premium$3,008Individual Plan Monthly Premium$4,434
State FarmFamily Plan Annual Premium$3,018Individual Plan Monthly Premium$3,342
GEICOFamily Plan Annual Premium$3,169Individual Plan Monthly Premium$3,579
ProgressiveFamily Plan Annual Premium$3,286Individual Plan Monthly Premium$3,611
Capital Insurance GroupFamily Plan Annual Premium$3,321Individual Plan Monthly Premium$3,243
AllstateFamily Plan Annual Premium$3,381Individual Plan Monthly Premium$3,642
TravelersFamily Plan Annual Premium$3,901Individual Plan Monthly Premium$3,527
KemperFamily Plan Annual Premium$4,147Individual Plan Monthly Premium$5,536
NationwideFamily Plan Annual Premium$5,062Individual Plan Monthly Premium$7,186

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.

Cheapest Car Insurance in Jurupa Valley for Military Drivers

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,080Monthly Premium$90
AAAAnnual Premium$1,186Monthly Premium$99
USAAAnnual Premium$1,217Monthly Premium$101
MercuryAnnual Premium$1,230Monthly Premium$103
GEICOAnnual Premium$1,237Monthly Premium$103
KemperAnnual Premium$1,351Monthly Premium$113
HartfordAnnual Premium$1,374Monthly Premium$115
AllstateAnnual Premium$1,374Monthly Premium$115
State NationalAnnual Premium$1,390Monthly Premium$116
Capital Insurance GroupAnnual Premium$1,415Monthly Premium$118
National GeneralAnnual Premium$1,514Monthly Premium$126
State FarmAnnual Premium$1,642Monthly Premium$137
NationwideAnnual Premium$1,688Monthly Premium$141
ChubbAnnual Premium$1,901Monthly Premium$158
TravelersAnnual Premium$1,987Monthly Premium$166
FarmersAnnual Premium$2,103Monthly Premium$175

How to Compare Cheap Jurupa Valley Car Insurance Quotes Online

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.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 04, 2024

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Best Car Insurance in Jurupa Valley: Overview

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.

Overall Best Car Insurance in Jurupa Valley

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.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
82/ of 100

Overview

Capital Insurance Group consistently delivers impressive scores, particularly excelling in claims handling and customer satisfaction. The company provides Rental Car and/or Travel Reimbursement and Roadside Assistance, making it a robust choice for drivers seeking fundamental protection. It also offers Full Glass Coverage, which helps with auto glass repair services — adding value to its overall offerings.

Capital Insurance Group enhances its value proposition with rare and widely applicable coverages such as Custom Parts Coverage, ensuring drivers' specific needs are met, like replacing name-brand auto parts.

Best Car Insurance in Jurupa Valley for Customer Service

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.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb earned high satisfaction and claims scores. The company offers common coverages such as Rental Car and/or Travel Reimbursement and Roadside Assistance. Chubb provides unique coverages that are invaluable for many drivers, such as Original Equipment Manufacturer (OEM) Coverage, which ensures that vehicle repairs maintain premium integrity using original factory parts.

The Antique/Classic Car Insurance is perfect for enthusiasts seeking specialized protection for their treasured vehicles. Moreover, Diminished Value Coverage can be critical following an accident because it helps to recover the lost market value of your car.

Best Cheap Car Insurance in Jurupa Valley

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.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
82/ of 100

Overview

With an annual average premium of just $451, drivers enjoy remarkable savings on their minimum coverage with Mercury. It offers discounts such as an Anti-theft system and Paperless options, alongside discounts like those specifically for teachers.

Mercury provides Bundling, Multiple Car and Safe Driving discounts. It also offers discounts including Automatic Payment and Pay in Full. Automatic Payment ensures reliable and timely premium submission, potentially sparing drivers from late fees or missed payments. Pay in Full encourages policyholders to settle their insurance premiums upfront for the entire policy term, which can yield significant savings over the course of the year.

Average Cost of Car Insurance 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.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331
ClovisAnnual Premium$1,395
ConcordAnnual Premium$1,473
CoronaAnnual Premium$1,525
Costa MesaAnnual Premium$1,501
Daly CityAnnual Premium$1,712
DowneyAnnual Premium$1,749
East Los AngelesAnnual Premium$1,800
El CajonAnnual Premium$1,438
El MonteAnnual Premium$1,784
Elk GroveAnnual Premium$1,535
EscondidoAnnual Premium$1,382
FairfieldAnnual Premium$1,392
FontanaAnnual Premium$1,565
FremontAnnual Premium$1,446
FresnoAnnual Premium$1,442
FullertonAnnual Premium$1,661
Garden GroveAnnual Premium$1,679
GlendaleAnnual Premium$2,433
HaywardAnnual Premium$1,549
Huntington BeachAnnual Premium$1,523
InglewoodAnnual Premium$1,963
IrvineAnnual Premium$1,585
Jurupa ValleyAnnual Premium$1,507
LancasterAnnual Premium$1,670
Long BeachAnnual Premium$1,685
Los AngelesAnnual Premium$2,138
ModestoAnnual Premium$1,577
Moreno ValleyAnnual Premium$1,546
MurrietaAnnual Premium$1,415
NorwalkAnnual Premium$1,661
OaklandAnnual Premium$1,657
OceansideAnnual Premium$1,396
OntarioAnnual Premium$1,565
OrangeAnnual Premium$1,462
OxnardAnnual Premium$1,436
PalmdaleAnnual Premium$1,722
PasadenaAnnual Premium$1,798
PomonaAnnual Premium$1,630
Rancho CucamongaAnnual Premium$1,503
RialtoAnnual Premium$1,577
RichmondAnnual Premium$1,562
RiversideAnnual Premium$1,543
RosevilleAnnual Premium$1,458
SacramentoAnnual Premium$1,494
SalinasAnnual Premium$1,346
San BernardinoAnnual Premium$1,567
San DiegoAnnual Premium$1,349
San FranciscoAnnual Premium$1,670
San JoseAnnual Premium$1,429
San MateoAnnual Premium$1,385
Santa AnaAnnual Premium$1,577
Santa ClaraAnnual Premium$1,420
Santa ClaritaAnnual Premium$1,634
Santa MariaAnnual Premium$1,251
Santa RosaAnnual Premium$1,479
Simi ValleyAnnual Premium$1,528
StocktonAnnual Premium$1,594
SunnyvaleAnnual Premium$1,413
TemeculaAnnual Premium$1,432
Thousand OaksAnnual Premium$1,589
TorranceAnnual Premium$1,518
VallejoAnnual Premium$1,547
VenturaAnnual Premium$1,341
VictorvilleAnnual Premium$1,598
VisaliaAnnual Premium$1,333
VistaAnnual Premium$1,355
West CovinaAnnual Premium$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.