Your insurance rates in Murrieta are impacted by your coverage preferences, age, driving record and other related factors.
MoneyGeek’s research shows GEICO has the cheapest rates in Murrieta for a minimum coverage policy. Meanwhile, National General has the lowest rates for full coverage policies and drivers who have poor records.
For insuring teens, Farmers has the most affordable premiums. Meanwhile, military-affiliated drivers can get the cheapest prices from USAA.
Cheapest and Best Car Insurance in Murrieta, CA








Cheapest Minimum Liability Car Insurance in Murrieta
Based on MoneyGeek’s research, the cheapest minimum coverage car insurance options in Murrieta are:
- GEICO: $385 per year
- AAA California: $407 per year
At roughly $767 per year, Chubb offers the most expensive minimum coverage policy in the city.
GEICO is the cheapest auto insurer in Murrieta, but it’s not the most affordable in the state.
In California, state law mandates the minimum coverage limits for liability insurance. These limits are:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
Liability-only insurance is intended to cover damages to other drivers (and their passengers) in an accident that's determined to be your fault. If you have a policy with $15,000 per person for bodily injury liability and $30,000 per accident, your insurance provider will cover damages up to those amounts.
If costs exceed these coverage limits, you're responsible for the difference.
Cheapest Full Coverage Car Insurance in Murrieta
According to MoneyGeek’s research, these companies have the cheapest full coverage car insurance in Murrieta:
- National General: $941 per year
- AAA California: $987 per year
Chubb has the most expensive full coverage premiums at $1,776 per year.
A full coverage policy provides broader protections than liability-only insurance and includes the following protections:
- Collision Insurance: This type of coverage pays for damages to your vehicle that occur as a result of an accident.
- Comprehensive Insurance: This reimburses your vehicle’s repair and replacement costs from non-collision events like theft or weather damage.
If you own a newer car, we advise purchasing full coverage insurance to safeguard your investment. However, if you have an older vehicle, the additional expense of full coverage may not be worthwhile, considering your car’s low value.
Cheapest Car Insurance in Murrieta After a Driving Offense
Based on our analysis, drivers with violations can find the cheapest car insurance in Murrieta from these companies:
- Speeding Ticket: National General ($989 per year)
- At-Fault Accident: National General ($1,396 per year)
- DUI: National General ($989 per year)
Conversely, these providers have the most expensive prices after a violation:
- Speeding Ticket: Nationwide ($2,381 per year)
- At-Fault Accident: Kemper ($2,983 per year)
- DUI: Hartford ($5,146 per year)
Even if you go for a low-cost car insurance provider in Murrieta, having a driving violation on your record can result in significantly higher insurance premiums compared to someone with a clean record.
The severity of your driving violation impacts the surcharge in your car insurance, with more serious violations resulting in higher rates. In Murrieta, a DUI on your record can make your car insurance become roughly $1,256 more expensive than if you simply had a speeding ticket.
Nevertheless, it's still possible to find affordable car insurance with a bad driving record.
Cheapest Car Insurance in Murrieta for Teens and Their Families
MoneyGeek’s research shows the cheapest auto insurers for teen drivers on a family policy are:
- Farmers: $2,882 per year for female and male teens
- GEICO: $2,903 per year for female teens
- State Farm: $2,915 per year for male teens
At around $5,023 per year, Nationwide has the priciest premiums for teen drivers.
Insurers generally consider male teen drivers riskier to insure than their female counterparts, which is why boys are charged higher rates. The difference in rates between genders often decreases as drivers move into early adulthood.
Getting car insurance for teens can be expensive if purchased individually. That’s why it’s more practical and cost-effective to include them in a family policy.
In Murrieta, a male teen can expect to pay approximately $673 more for an individual policy than he would if added to a family policy. Families can save a considerable amount of money by searching around for cheap car insurance for teenage drivers.
Cheapest Car Insurance in Murrieta for Military Drivers
Based on MoneyGeek’s evaluation, the cheapest full coverage car insurance providers in Murrieta for drivers with military affiliations are:
- USAA: $895 per year
- National General: $941 per year
For minimum coverage policies, GEICO offers the lowest rates at around $385 per year. USAA is the second cheapest car insurance option for military-affiliated drivers at roughly $388 per year.
How to Compare Cheap Murrieta Car Insurance Quotes Online
Getting car insurance quotes online can be a tedious and lengthy process. It involves keying in your personal information and may take up to 15 minutes to receive a quote from a single provider.
MoneyGeek offers a car insurance calculator to streamline the process. It generates estimates instantly using only surface details like age, vehicle, driving record and coverage level. With this, you can save a lot of time and effort.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
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Click an insurer below to visit their review page or continue to your personalized quote.
Best Car Insurance in Murrieta: Summary
The value you place on affordability, service quality, coverage options and other factors determines the best car insurance provider for you. After studying 2023 quotes, MoneyGeek determined that best car insurance providers for many people in Murrieta are:
- Best overall: GEICO (MoneyGeek score 73 out of 100)
- Best for service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: GEICO (MoneyGeek score 78 out of 100)
A company’s overall MoneyGeek score may vary based on its category’s relevant weightings.
Moreover, your location can change the best provider for you. For instance, GEICO is our pick for the best in Murrieta, but our choice for the best overall auto insurer in California is CSAA.
If you have a military background, USAA is the best car insurance provider for you, with a MoneyGeek score of 84 out of 100.
Best Overall Car Insurance in Murrieta
Based on MoneyGeek’s analysis, the highest-scoring car insurance companies in Murrieta are:
- GEICO: MoneyGeek score 73 out of 100 ($989 per year)
- AAA California: MoneyGeek score 70 out of 100 ($987 per year)
We picked GEICO as the overall best provider because of its balance of affordable rates and excellent customer service. It’s the top option if you want to get the most out of your money.
For veterans, active-duty military personnel and their families, USAA is our top choice. It received a MoneyGeek score of 85 out of 100 and had the cheapest premiums in Murrieta for military-affiliated motorists at approximately $895 per year.
How was this MoneyGeek score calculated?

pros
One of the cheapest in the city at $989 per year
Top-notch customer service
Has mechanical breakdown insurance as an add-on
cons
Lackluster claims management
Doesn’t offer OEM coverage and gap insurance
COMPANY HIGHLIGHTS
GEICO stands out as the best car insurance provider in Murrieta, thanks to its combination of affordable rates and excellent customer service. You can also get useful add-ons from this company.
Notably, GEICO offers roadside assistance. This optional coverage pays for services like flat tire repair, towing, jump-starting a dead battery and lockout assistance.
Another useful rider from GEICO is its travel reimbursement option, which covers the cost of a rental car if your vehicle becomes undrivable for over 24 hours due to a covered accident.
Additionally, GEICO offers Mechanical Breakdown Insurance (MBI). It’s more affordable than many dealer warranties and covers all parts and systems in your vehicle. This unique add-on coverage can be purchased for new or leased vehicles under 15 months old and with than 15,000 miles on them.
Best Car Insurance in Murrieta for Customer Service
Disregarding cost, we find these auto insurance providers in Murrieta offer the best in customer service:
- Chubb: MoneyGeek score 76 out of 100 ($1,776 per year)
- Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,328 per year)
Displaying excellence in customer service and claims management, Chubb is your best option if you prioritize customer service.
Chubb outscores the city’s 14 other auto insurers regarding customer service, but it’s the priciest provider in the city. This means that you have to pay a high price if you want quality service.
How was this MoneyGeek score calculated?

pros
Top-notch customer support
Outstanding claims management
Automatically includes original equipment manufacturer (OEM) coverage
cons
Doesn’t offer roadside assistance coverage and gap insurance
COMPANY HIGHLIGHTS
MoneyGeek’s choice for the best auto insurance provider in Murrieta for customer service is Chubb. Its commitment to customer satisfaction is evident through its effective claims management and high-quality service ratings.
Chubb also offers optional endorsements that provide additional protections. For instance, Agreed Value coverage allows you to establish a value for your car at the start of your policy. In the event of theft or a total loss, you get a payout for the agreed-upon value, potentially saving you a substantial amount of money.
Furthermore, Chubb includes coverage for OEM parts as part of its standard policy. This covers the cost of OEM parts to restore your car to its pre-accident appearance, feel and functionality, all without any additional expense to you.
Best Cheap Car Insurance in Murrieta
We studied the pricing and customer service of minimum coverage car insurance policies in California to find the best providers in Murrieta. These companies achieved the highest scores:
- GEICO: MoneyGeek score 78 out of 100 ($385 per year)
- AAA California: MoneyGeek score 72 out of 100 ($407 per year)
Minimum coverage policies can result in lower premiums and short-term cost savings. But, these policies offer limited protection against liability expenses and no coverage for damages to your vehicle.
How was this MoneyGeek score calculated?

pros
Affordable minimum coverage policy costs $385 per year
Discounts for bundling, airbag and anti-lock brakes
Excellent customer service reputation
cons
Subpar claims management
COMPANY HIGHLIGHTS
GEICO is our top pick for minimum coverage insurance in Murrieta for its combination of competitive rates and excellent customer service.
Additionally, GEICO offers discount opportunities to further reduce your car insurance costs. These include the usual discounts for good students, bundling policies, safe driving, anti-theft systems and driver's education.
Furthermore, GEICO has unique discount opportunities to help you lower your premiums even more. Installing an anti-lock brake or daytime running lights will get you discounts. You can also get savings if you have a military background, are insuring a new car or always use your seatbelt.
Average Cost of Car Insurance in Murrieta
Based on MoneyGeek’s research, the average cost of full coverage car insurance in Murrieta is $1,250 per year. This is based on a policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident.
The average price of car insurance in Murrieta is $137 cheaper compared to California’s average cost of car insurance as of October 2022. It’s also $15 more affordable than the national average. This shows how location can impact your car insurance rates.
About Mark Fitzpatrick
