Compare the Cheapest Car Insurance Quotes in Moreno Valley, CA

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 Auto Insurance Rates

Insurance Rates

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

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 7/31/2022
Written By     |  

Esurance is, on average, the cheapest insurer in Moreno Valley, including for those with tickets. For minimum coverage insurance, Progressive is the cheapest. USAA may be the best if you have a military background. MoneyGeek ranked AAA as the best in Moreno Valley for balancing cost and quality of service. Profile and coverage determine the right insurer for you.

iconribbonbestauto insuranceMoreno Valley2022

The Cheapest and Best Car Insurance in Moreno Valley

The Cheapest Car Insurance Companies in Moreno Valley

If you want a full coverage policy in Moreno Valley, the most affordable auto insurance companies are:

  • Esurance: $1,122 average per year
  • Progressive: $1,187 average per year

For the military and their families, USAA has a low-priced full coverage policy in Moreno Valley at roughly $1,129 annually.

Compared to Allied, the most expensive option in Moreno Valley at $1,747/year, Esurance can save you as much as $625 a year.

A full coverage policy includes comprehensive and collision insurance. Depending on the level of liability insurance you select, rates vary.

Cheapest Car Insurance in Moreno Valley
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,122
  • 2.
    USAA
    $1,129
  • 3.
    Progressive
    $1,187
  • 4.
    AAA
    $1,229
  • 5.
    GEICO
    $1,240
  • 6.
    Mercury
    $1,281
  • 7.
    Allstate
    $1,295
  • 8.
    MetLife
    $1,303
  • 9.
    Farmers
    $1,586
  • 10.
    Hartford
    $1,641
  • 11.
    Travelers
    $1,663
  • 12.
    State Farm
    $1,665
  • 13.
    Allied
    $1,747

MoneyGeek obtained average rates for a 40-year-old male driver in Moreno Valley with a full coverage policy containing the limits outlined in our methodology.

A full coverage policy in Moreno Valley costs more than minimum coverage but adds comprehensive and collision insurance to state minimum liability to protect you in case of damage to your vehicle.

  • Comprehensive insurance: covers non-collision-related damage like theft.
  • Collision insurance: covers collision-related damage.

Depending on the age and value of your car, a full coverage policy may cost more than it’s worth. In that situation, a minimum coverage policy may be a better option.

Compare Car Insurance Rates in Moreno Valley

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

widget-location-pin
Insurance Rates

Cheapest Car Insurance in Moreno Valley for Minimum Coverage

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.

Cheapest Minimum Liability Car Insurance in Moreno Valley
State Minimum

A state minimum policy in Moreno Valley only includes the minimum liability limits required by California, 15/30/5. That means that while it costs less, it has limited protection, and you may incur higher out-of-pocket costs in an accident.

For instance, if you cause an accident and the property damage is more than the $5,000 property damage limit in the state minimum policy, you pay the additional amount 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 Moreno Valley if You Have Driving Violations

Driving violations, such as an at-fault accident, DUI, or ticket, raise the cost of car insurance in Moreno Valley.

The most affordable insurers for drivers with violations in Moreno Valley, on average, are:

  • Cheapest after a ticket: Esurance, $1,427 per year
  • Cheapest after an at-fault accident: Esurance, $1,763 per year
  • Cheapest after a DUI: Mercury, $2,097 per year

USAA, at roughly $1,234 yearly, offers the cheapest option for those with military backgrounds who have a speeding ticket.

You can get cheaper insurance rates by improving your driving record over time. Until then, compare quotes from different insurers to find the most affordable insurance for drivers with violations.

Cheapest Car Insurance in Moreno Valley With a Violation
Speeding Ticket

Average Cost of Car Insurance in Moreno Valley

Moreno Valley$1,413
California$1,429
U.S.$1,424

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.

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.

Compare Car Insurance Rates in Moreno Valley

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

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Moreno Valley

MoneyGeek analyzed the best car insurance companies in Moreno Valley based on average costs, customer satisfaction scores and claims ratings.

According to the findings, the top car insurers in Moreno Valley are:

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

Despite scoring 96 out of 100, we excluded USAA from our analysis since its policies are exclusive to current and former military members and their families. While USAA does not feature among the top insurers, it is the best auto insurance provider in Moreno Valley for members with a military background.


1
Esurance
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

Esurance has the highest affordability score, with a full coverage policy costing $1,122 per year. The insurer also ranks second for customer satisfaction and is tied second for financial stability. Moreno Valley drivers can add custom parts coverage to their policies.

More About Esurance

With the insurer's custom parts coverage, the repair and replacement costs of your car's aftermarket parts are taken care of. Rideshare insurance from the company will ensure there are no gaps in your policy if you work in a rideshare company. You may also get gap insurance, which covers up to 25% higher than the actual value of your car, to help you pay off your loan or lease amounts.

Read MoneyGeek's Esurance auto Insurance Review
2
AAA
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

AAA policies cost an average of $1,229 annually, making the insurer the second cheapest in the city. AAA has the highest claims rating and is tied first for financial stability. With AAA, you can get identity theft coverage, which covers the cost of identity theft monitoring.

More About AAA

AAA offers roadside assistance coverage to its policyholders. The coverage pays for the repair and replacement cost of tires, lockout systems and other services required after a car breakdown. You may also purchase car rental and/or travel reimbursement coverage to reimburse you for any car rental or transportation expenses in case your car gets damaged and is no longer driveable. The limits for this coverage depend on your policy terms.

Read MoneyGeek's AAA auto Insurance Review

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 Code
    State Minimumper year
  • 92557
    $1,383
  • 92553
    $1,443

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.

accident2 icon
Most Accidents With Fatalities221st/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 Days256th/300

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.