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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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

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.

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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.


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:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

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:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

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:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

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

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:


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97Cups of Coffee
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22Months of Your Favorite Streaming Service

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

  • 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.

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

Liability Only
Full Coverage
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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.

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
iconribbontop ratedCar Insurance agentsMoreno Valley2021

Top Agents Offering Affordable Car Insurance in Moreno Valley

1. Farmers Insurance - Julia Lara12981 Perris Blvd, Ste 108, Moreno Valley, CA, 92553
4 ratings
2. Aguayo Insurance Solutions14055 Perris Blvd, Ste 104, Moreno Valley, CA, 92553
4 ratings
3. Acceptance Insurance12190 Perris Blvd, Ste B, Moreno Valley, CA, 92557
4 ratings
4. Speedy Insurance12625 Frederick St, Ste I-1, Moreno Valley, CA, 92553
19 ratings
5. All Solutions Insurance - Moreno Valley22364 Alessandro Blvd, Moreno Valley, CA, 92553
14 ratings

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
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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.

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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.