Cheapest and Best Car Insurance Companies in Moreno Valley, CA

The best and cheapest company in Moreno Valley varies depending on your coverage level and driving profile. GEICO ranked as the best overall and cheapest insurer among companies we reviewed. It is also the cheapest insurer for both full coverage and state minimum coverage. National General is the cheapest insurer for drivers with a violation, while Farmers offer the cheapest premiums for teen drivers. If you’re looking for the best customer service, Chubb is ranked the top insurer. USAA ranked as the cheapest insurer for military drivers.

The following insurers offer the cheapest minimum coverage policies in Moreno Valley:

• GEICO: $387 per year
• Mercury: $436 per year

At $866 per year, Chubb is the most expensive insurer of the providers in our study.

A minimum coverage policy in California carries bodily injury liability and property damage liability. Specifically, it includes the following limits:

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

A liability-only policy only covers the cost of damages to others, not you or your vehicle. With the policy limits above, an insurer would cover medical expenses of $15,000 per person up to $30,000 per accident. You will be responsible for costs exceeding this amount.

The following insurers offer the cheapest full coverage car insurance policies in Moreno Valley:

• GEICO: $1,048 per year
• National General: $1,083 per year

Chubb is the most expensive insurer, charging policyholders an average of $1,999 per year for a full coverage policy.

A full coverage policy combines liability coverage with collision and comprehensive insurance. Specifically, this covers the following:

• Collision Insurance: Covers damages from collisions with other vehicles or stationary objects.
• Comprehensive Insurance: Covers damages from natural disasters, theft or vandalism.

Typically full coverage car insurance benefits owners of new vehicles. It may not be worth the added cost for owners of old vehicles.

The following insurers offer the cheapest rates in Moreno Valley for drivers with violations:

• Speeding ticket: National General ($1,138 per year)
• At-fault accident: National General ($1,611 per year)
• DUI: National General ($1,138 per year)

Those with speeding tickets, at-fault accidents and DUI offenses will get the most expensive rates from Chubb ($2,630 per year), Kemper ($3,330 per year) and Hartford ($5,410 per year), respectively. Even affordable rates for such insurance will be more expensive than average-priced rates for drivers with a clean driving history.

Typically, car insurance rates increase in proportion to the severity of the offense. For instance, drivers with a DUI offense will pay $1,368 more per year for car insurance than those with a speeding ticket in Moreno Valley. Although car insurance rates are typically higher, it’s still possible to find relatively cheap car insurance with a bad driving record.

In Moreno Valley, the cheapest car insurance companies for 16-year-old teens on a family policy are:

• 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

Nationwide has the most expensive policies at $5,141 per year for both female and male teens. Male teens are typically charged more for insurance than female teens, as insurers consider the former riskier to insure. However, this cost discrepancy drops off in early adulthood.

Teen drivers can save a significant amount of money by joining a family policy instead of purchasing an individual policy. In Moreno Valley, teen drivers can save up to $673 per year by joining a family policy. Rates for younger drivers can be expensive, but cheap auto insurance for teen drivers is still attainable by comparing providers’ rates and discounts.

Active or former military members and their families can get the cheapest full coverage policies from the following insurers:

• USAA: $917 per year
• GEICO: $1,048 per year

The same companies offer the cheapest insurance for military drivers looking for a minimum policy. GEICO costs $387 per year, whereas USAA costs $393 per year.

It can take up to 15 minutes to input the personal information required for a single car insurance quote. When researching multiple providers’ rates, this time can add up. MoneyGeek’s car insurance calculator simplifies this process, requiring only your age, vehicle type, coverage level and driving record to generate an estimate.

The best car insurance companies in Moreno Valley vary depending on a driver’s needs and budget. Based on MoneyGeek’s analysis, the following insurers are the best providers in the city for each respective category:

• Best overall: GEICO (MoneyGeek score of 75 out of 100)
• Best for service: Chubb (MoneyGeek score of 76 out of 100)
• Best cheap: GEICO (MoneyGeek score of 78 out of 100)

An insurer’s overall MoneyGeek score may vary based on the factors weighted in that category. Although GEICO is the best car insurance provider in the city, the best car insurer in California is AAA. This shows how location can impact the cost of your car insurance.

The following companies are the best overall car insurance providers in Moreno Valley for a full coverage policy:

• GEICO: MoneyGeek score of 75 out of 100 ($1,048 per year)
• Capital Insurance Group: MoneyGeek score of 71 out of 100 ($1,409 per year)

Of the insurers in our comparison group, GEICO offers the most affordable policies and has a relatively high customer satisfaction rating. This means that you’ll receive quality service for a lower cost. Current and former military members may also consider USAA for their car insurance needs.

Without considering cost as a factor, the following insurers offer the best customer service in Moreno Valley:

• Chubb: MoneyGeek score of 76 out of 100 ($1,999 per year)
• Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,409 per year)

Chubb has the second-highest customer satisfaction score and the highest rating for claims management. This indicates that the insurer has a strong track record of approving claims and providing quality customer service. However, the company has the most expensive rates of the insurers in our analysis.

The following insurers offer the best minimum coverage policies in Moreno Valley that comply with the state-mandated liability limits in California:

• GEICO: MoneyGeek score of 78 out of 100 ($387 per year)
• Mercury: MoneyGeek score of 70 out of 100 ($436 per year)

Although minimum coverage policies are the cheapest, they offer the least amount of protection, only covering costs to other vehicles, not your own. In the event of a major accident, you may end up paying more out of pocket.

A full coverage policy costs $1,357 per year in Moreno Valley as of October 2022. The average cost of car insurance in California is $1,387 per year, $30 more than the cost of car insurance in the city. Compared to the national average cost of car insurance at $1,265 per year, Moreno Valley drivers pay $122 more each year.

The rates included above are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability.