Moreno Valley drivers typically pay cheaper annual premiums for auto insurance than the rest of California, with the city’s average rate at $1,413 annually. The cheapest option is Esurance, with an average rate of $1,122. MoneyGeek found the cheapest companies by coverage amount and driving history. MoneyGeek also recommended the best companies in terms of cost and quality.
Compare the Cheapest Car Insurance Quotes in Moreno Valley, CA
The Cheapest and Best Car Insurance in Moreno Valley
The Cheapest Car Insurance Companies in Moreno Valley
The cheapest companies for a full coverage policy in Moreno Valley are:
- Esurance: $1,122 per year
- USAA: $1,129 per year (only available to current and former military members)
Moreno Valley drivers who have auto insurance from Esurance typically pay the most affordable annual premiums. An Esurance policy in this city costs $1,122 per year on average, which is $291 less than the city average. Following Esurance in the top five companies with cheap car insurance in Moreno Valley are USAA, Progressive, AAA and GEICO. Meanwhile, the company offering the most expensive rate is Allied, with an average annual premium of $1,747, which is about 55.7% more expensive than Esurance and also $333 more than the city average.
These prices are for a 40-year-old male driver whose full coverage policy includes liability insurance as well as comprehensive and collision insurance.
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Average Cost of Car Insurance in Moreno Valley
The average car insurance rate in Moreno Valley costs $1,413 per year. This rate is slightly lower than both the state and national average annual premiums. A typical Moreno Valley driver pays 1.1% less than the average rate for auto insurance in the state of California and 0.8% less than the average annual premium in the United States.
The Best Car Insurance Companies in Moreno Valley
Some drivers in Moreno Valley want a balance of affordability and quality service. MoneyGeek ranked the best insurance companies based on these factors. The results showed that the best auto insurers in the city for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Moreno Valley by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The final rankings are based on MoneyGeek’s unique scoring system, which considers J.D. Power user satisfaction, affordability and financial stability.
Personalized Quotes to Get You the Cheapest Car Insurance in Moreno Valley
The risks associated with a driver are specific to personal circumstances. That’s why car insurance companies in Moreno Valley use various determining factors to calculate annual premiums. These include your gender, age, driving record, marital status, car make and model and ZIP code. Therefore, it is best to regularly compare personalized quotes since your circumstances may change, and to see if you qualify for discounts or rebates.
Shopping around for car insurance in Moreno Valley could save you $291, which is enough to buy:
Cheapest Car Insurance in Moreno Valley by Coverage Amount
When calculating annual premiums, auto insurers in Moreno Valley and elsewhere consider various factors like the amount of coverage you buy. Moreno Valley drivers with a state minimum liability-only policy pay $648 on average. Meanwhile, those with a full coverage policy with higher liability limits typically pay $1,413. That is a difference of $765 per year.
California Minimum Liability Requirements
- 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.
Car insurance quotes in Moreno Valley reflect the limits and levels of coverage. Generally, the cheapest option for Moreno Valley drivers is to get a state minimum liability-only plan, which has an average premium of $452 from USAA. However, USAA policies are for military members and their families only. If you do not qualify, your cheapest option is Progressive. Its state minimum liability-only policy has an annual premium of $494 on average.
If you think a basic policy is not enough, you can get a 50/100/50 liability-only or full-coverage plan, which allows you to claim up to $50,000 for bodily injury per person and $100,000 per vehicle, along with $50,000 for property damage. The full-coverage plan will include your own expenses in case of an accident, as well as those of the other driver(s). So, if the difference between these options is within your budget, it may be preferable to get full coverage. For example, a MetLife 50/100/50 liability-only policy costs $880 per year on average, while adding around $321 can get you full coverage.
Another option for Moreno Valley drivers is 100/300/100 full coverage. You can get the lowest average annual premium for this coverage level from Esurance at $1,122.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Moreno Valley if You Have Driving Violations
Having citations on your driving record can lead to higher premiums. Generally, responsible drivers can get cheap car insurance in Moreno Valley. For instance, an Esurance policyholder with no violations will pay an average of $1,122 per year, but a speeding ticket adds $305 on average, while an at-fault accident increases your rate by about $641. A DUI is even more costly, as this violation adds $1,678 on average.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Area-related factors also have an impact on insurance costs, which is why the average car insurance rates in Moreno Valley may vary depending on ZIP codes. Drivers from ZIP code 92557 pay an average of $1,383 per year in auto insurance premiums, while people who live in ZIP code 92553 pay roughly $60 more.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Moreno Valley
Factors That Impact Insurance Costs in Moreno Valley
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Moreno Valley. How Moreno Valley ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Moreno 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.
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