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.

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Last Updated: 5/16/2022
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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.

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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.

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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.

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Insurance Rates

The Best Car Insurance Companies in Moreno Valley

If you are looking for the best insurers in Moreno Valley, MoneyGeek ranked companies based on the quality of service and affordability. The analysis found that the best insurance companies in Moreno Valley are:

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

USAA outscored all other insurers in Moreno Valley, but it is only available to drivers with a military background. If you qualify, USAA has great auto insurance rates and customer service.

MoneyGeek’s unique rating system incorporates J.D. Power user satisfaction scores, affordability ratings and financial stability scores.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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

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.

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.