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


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Updated: July 10, 2024

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In Moreno Valley, California, GEICO offers the cheapest minimum and full coverage car insurance policies, while Farmers is the most affordable for families with teens. Chubb provides the best customer service, and Capital Insurance Group is the top overall provider of value, balancing price and service. Choose what suits your needs and preferences.

MoneyGeek Logo IconBest & CheapestCar InsuranceMoreno Valley
2024

Cheapest and Best Car Insurance in Moreno Valley

Why Trust MoneyGeek? We analyzed 352,910 quotes in California from 18 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Moreno 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 stability.

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

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Moreno Valley

MoneyGeek found that GEICO is Moreno Valley's cheapest car insurance option.

  • GEICO: $442 per year
  • Mercury: $499 per year

Chubb offers the most expensive minimum coverage policy, with an annual premium of $866. This difference of $424 between the cheapest and the most expensive options highlights the need to shop around to ensure you get the best deal for your car insurance needs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$442Monthly Premium$37
MercuryAnnual Premium$499Monthly Premium$42
ProgressiveAnnual Premium$530Monthly Premium$44
AAAAnnual Premium$534Monthly Premium$45
KemperAnnual Premium$556Monthly Premium$46
FarmersAnnual Premium$569Monthly Premium$47
Capital Insurance GroupAnnual Premium$594Monthly Premium$50
State NationalAnnual Premium$617Monthly Premium$51

State Minimum Liability Requirements

In California, state law sets the required minimums for car insurance coverage.

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

For instance, if you carry minimum coverage and are at fault in an accident, your policy might cover up to $15,000 for one person's medical bills. But if their bills soar to $25,000, you could be paying the $10,000 difference from your pocket. Note that minimum coverage requirements are in place to protect you, but they also outline your financial responsibilities should costs exceed those limits.

Cheapest Full Coverage Car Insurance in Moreno Valley

MoneyGeek found that GEICO is the cheapest option in Moreno Valley for drivers seeking the cheapest full coverage car insurance. Comparison shopping could save residents a significant amount of money. These are the most affordable providers:

  • GEICO: $1,200 per year
  • AAA: $1,230 per year

Farmers offers the most expensive policy at $2,115 per year, $915 more than the most affordable option. This wide price range underscores the need for drivers to compare rates for full coverage insurance, which inherently costs more due to its comprehensive nature, covering a wide array of potential risks on the road.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,200Monthly Premium$100
AAAAnnual Premium$1,230Monthly Premium$102
National GeneralAnnual Premium$1,255Monthly Premium$105
ProgressiveAnnual Premium$1,269Monthly Premium$106
MercuryAnnual Premium$1,317Monthly Premium$110
AllstateAnnual Premium$1,341Monthly Premium$112
Capital Insurance GroupAnnual Premium$1,434Monthly Premium$120
State NationalAnnual Premium$1,471Monthly Premium$123

Do You Need Full Coverage in California?

Full coverage car insurance has elevated liability limits. It also encompasses both comprehensive and collision insurance components.

  • Collision Insurance: This type of insurance covers damage to your automobile resulting from impacts with another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage applies to a range of non-collision incidents that could damage your vehicle, such as theft, vandalism, fires, natural disasters or being struck by an animal like a deer.

Opting for full coverage insurance is particularly wise if you own a brand-new vehicle, as it protects your automotive investment. Conversely, the additional cost of extensive coverage may not be justifiable for older vehicles. Determining how much car insurance you need involves weighing the higher premiums of comprehensive insurance against the risk of being underinsured with lower coverage.

Cheapest Car Insurance in Moreno Valley After a Driving Offense

MoneyGeek found that National General is the most affordable option in Moreno Valley for drivers with speeding tickets or DUIs, while Capital Insurance Group offers the lowest rate after an at-fault accident.

  • Speeding Ticket: National General ($1,317 per year)
  • At-Fault Accident: Capital Insurance Group ($1,692 per year)
  • DUI: National General ($1,317 per year)

State Farm has the most expensive rate following a DUI, at $5,412 per year. Travelers is the most costly after a speeding ticket at $3,060 per year and an at-fault accident at $3,395 per year. Rates can differ based on the offense and the insurance provider.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,317Monthly Premium$110
AAAAnnual Premium$1,590Monthly Premium$132
Capital Insurance GroupAnnual Premium$1,652Monthly Premium$138
MercuryAnnual Premium$1,739Monthly Premium$145
GEICOAnnual Premium$1,783Monthly Premium$149
AllstateAnnual Premium$1,950Monthly Premium$163
KemperAnnual Premium$2,014Monthly Premium$168
State NationalAnnual Premium$2,091Monthly Premium$174

In Moreno Valley and other cities, insurance rates typically climb with the severity of driving infractions due to the increased risk perceived by insurers. For example, drivers with a speeding ticket face an average annual rate of $2,192, while those with a DUI can expect their rate to surge to approximately $3,654. Individuals with driving offenses can benefit from comparing insurance rates, potentially finding substantial savings in light of their heightened premiums.

Cheapest Car Insurance in Moreno Valley for Teens and Their Families

MoneyGeek found that Farmers provides the cheapest car insurance for teens in Moreno Valley. These are the two most affordable providers for families with a teenage driver:

  • Farmers: $3,017 per year for female and male teens
  • GEICO: $3,060 per year for female teens and $3,227 per year for male teens

These rates represent the cost of adding a teen driver to a policy with two parents. Nationwide is at the higher end of the scale, with an average annual premium of $5,141 for female and male teens. The $2,124 difference between the cheapest and most expensive providers underscores the value of comparing quotes, especially since teenage drivers present a higher risk and can significantly impact family insurance costs.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
FarmersFamily Plan Annual Premium$3,017Individual Plan Monthly Premium$4,447
GEICOFamily Plan Annual Premium$3,060Individual Plan Monthly Premium$3,456
State FarmFamily Plan Annual Premium$3,263Individual Plan Monthly Premium$3,613
AllstateFamily Plan Annual Premium$3,299Individual Plan Monthly Premium$3,554
Capital Insurance GroupFamily Plan Annual Premium$3,368Individual Plan Monthly Premium$3,288
ProgressiveFamily Plan Annual Premium$3,951Individual Plan Monthly Premium$4,342
TravelersFamily Plan Annual Premium$3,966Individual Plan Monthly Premium$3,586
KemperFamily Plan Annual Premium$4,647Individual Plan Monthly Premium$6,203

In Moreno Valley and many other cities, adding a teen to a family car insurance plan is significantly more cost-effective than purchasing an individual policy. Individual teen policies average $4,489 per year, whereas adding a teen to a family plan averages $3,764 — a $725 difference. Insurers set higher rates for individual teen policies due to the increased risk associated with inexperienced drivers, leading to a higher likelihood of accidents and claims. Approval for individual policies can also be challenging for teens due to their limited credit history and driving experience, making a family plan more viable and financially sensible.

Cheapest Car Insurance in Moreno Valley for Military Drivers

MoneyGeek found that GEICO is the most affordable option in Moreno Valley for those seeking the cheapest car insurance for military backgrounds.

  • GEICO: $1,200 per year
  • AAA: $1,230 per year

While USAA ranks as the third cheapest option with an annual premium of $1,248, it is renowned for its military-specific benefits and customer service.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,200Monthly Premium$100
AAAAnnual Premium$1,230Monthly Premium$102
USAAAnnual Premium$1,248Monthly Premium$104
National GeneralAnnual Premium$1,255Monthly Premium$105
ProgressiveAnnual Premium$1,269Monthly Premium$106
MercuryAnnual Premium$1,317Monthly Premium$110
AllstateAnnual Premium$1,341Monthly Premium$112
Capital Insurance GroupAnnual Premium$1,434Monthly Premium$120

How to Compare Cheap Moreno Valley Car Insurance Quotes Online

In Moreno Valley, finding the most affordable car insurance involves comparing rates from various companies. Comparing three or more companies might require over an hour.

MoneyGeek's car insurance calculator streamlines this task by extracting the most critical factors influencing premiums. Input parameters such as age, driving history, credit score and desired coverage level to receive a tailored rate estimate instantly.

Car Insurance Calculator

MoneyGeeks'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:

Jul 22, 2024

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Best Car Insurance in Moreno Valley: Overview

The optimal auto insurance policy for you depends on your emphasis on service, cost, coverage, and additional factors. MoneyGeek's unique scoring system evaluates different aspects to recommend Moreno Valley's best insurers tailored to various preferences:

  • Best overall: Capital Insurance Group (MoneyGeek score 83 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Capital Insurance Group (MoneyGeek score 79 out of 100)

Capital Insurance Group is Moreno Valley's leading option for overall value and affordability. For those prioritizing the best service, Chubb offers leading customer satisfaction.

Overall Best Car Insurance in Moreno Valley

MoneyGeek found that Capital Insurance Group is the top provider of the best car insurance in Moreno Valley.

  • Capital Insurance Group: MoneyGeek score of 83 out of 100 ($1,434 per year)
  • Chubb: MoneyGeek score of 79 out of 100 ($1,999 per year)

Capital Insurance Group distinguishes itself with high customer satisfaction and affordability, making it the top choice for motorists seeking comprehensive car insurance coverage. These factors highlight the company's commitment to delivering value and service excellence.

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

Overview

Capital Insurance Group's impressive MoneyGeek score is primarily driven by perfect customer satisfaction and strong claims handling capabilities. Although the company doesn't offer rental car and/or travel reimbursement and full glass coverage, it does provide roadside assistance and custom parts coverage.

Capital Insurance Group presents an array of useful coverage options. Custom parts coverage is particularly valuable, allowing for the use of brand-name parts during repairs, which can be crucial for maintaining vehicle integrity and value. Roadside assistance provides protection with on-demand help for breakdowns, flat tires or emergency fuel delivery. Despite any coverage gaps, customers can appreciate the practicality of common coverages that address everyday driving needs. Capital Insurance Group's high ratings demonstrate its commitment to customer satisfaction and financial reliability, ensuring its policyholders have high-quality, cost-effective insurance solutions.

Best Car Insurance in Moreno Valley for Customer Service

MoneyGeek found that Chubb is the best option in Moreno Valley for car insurance focused on customer service. This ranking is based on an evaluation that prioritizes general satisfaction, claims handling and coverage options, without considering the cost of premiums.

  • Chubb: MoneyGeek score of 94 out of 100 ($1999 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1434 per year)

Chubb distinguishes itself by achieving the highest scores in claims handling and coverage options, which are significant elements of the overall MoneyGeek score. Customers value their positive experience during the claims process and the extensive range of coverages offered, solidifying Chubb's top spot among car insurance providers in Moreno Valley.

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

Overview

Chubb's high MoneyGeek score is mainly due to its satisfaction and claims scores. Although the company doesn't offer roadside assistance, it does provide rental car and/or travel reimbursement.

Chubb offers a unique range of coverages, including antique/classic car insurance, original equipment manufacturer (OEM) coverage and diminished value coverage. Antique/classic car insurance is tailored to protect vintage vehicles, often at an agreed value, which could be crucial for collectors. Chubb's widely applicable OEM coverage ensures that original manufacturer parts will be used in repairs, maintaining a vehicle's integrity. Diminished value coverage allows you to recover the loss of vehicle value after an accident. Chubb's coverages and top scores illustrate why it tops the rankings.

Best Cheap Car Insurance in Moreno Valley

MoneyGeek found that Capital Insurance Group is the best option in Moreno Valley for affordable and high-quality car insurance. This ranking is from evaluating various factors of a satisfying car insurance experience. Here are the top two providers:

  • Capital Insurance Group: MoneyGeek score of 79 out of 100 ($594 per year)
  • Mercury: MoneyGeek score of 79 out of 100 ($499 per year)

Capital Insurance Group outshines competitors due to its superior satisfaction and claims handling scores, significantly contributing to its MoneyGeek score. Note that this score is for a minimum coverage policy, indicating the company's balance of cost-effectiveness and customer service excellence.

Company logo for Capital Insurance Group
Best Cheap CompanyCapital Insurance Group
MoneyGeek Score:
79/ of 100

Overview

Capital Insurance Group leads with its exceptional customer satisfaction and claims handling process, two critical components that elevate its overall MoneyGeek score. With an average annual premium of $594, the average driver enjoys substantial savings on minimum coverage.

Capital Insurance Group's breadth of discounts is commendable, although it lacks some common discounts such as bundling, multiple car and safe driving. It caters to a broad customer base with discounts like the anti-theft device discount, which offers financial benefits to drivers who invest in vehicle security systems, thus promoting safety and security. Capital Insurance Group's exemplary performance in key areas underscores the company's commitment to providing quality coverage and service at a competitive price.

Average Cost of Car Insurance in Moreno Valley

In Moreno Valley, California, the average cost of car insurance is $1,546 per year. Compared to California's average of $1,562, Moreno Valley's average is slightly lower by $16. Furthermore, California's average cost of car insurance is $219 less than the national average of $1,781.

Car insurance premiums are influenced by various factors, including driver history, vehicle type and coverage levels. However, location plays a particularly significant role, as rates can be affected by local crime rates, weather conditions and the likelihood of accidents. For example, Santa Maria is the city with the cheapest premium at $1,251 per year. Glendale has the most expensive annual rate at $2,433. The difference between these premiums is $1,182, making it apparent how location within a state can drastically influence insurance costs. Insurance rates may be even cheaper in rural areas with lower traffic density.

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.