Compare Rates and Save on Auto Insurance

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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.

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2023

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.

Company
Annual Premium
Monthly Premium

GEICO

$381

$32

GEICO

$385

$32

AAA California

$407

$34

AAA California

$428

$36

State Farm

$428

$36

GEICO

$454

$38

Mercury

$460

$38

Mercury

$472

$39

Progressive

$500

$42

Travelers

$509

$42

Progressive

$510

$42

Travelers

$510

$43

AAA California

$516

$43

Kemper

$516

$43

State National

$545

$45

State National

$561

$47

State Farm

$566

$47

Nationwide

$577

$48

Hartford

$577

$48

Mercury

$579

$48

National General

$579

$48

Travelers

$580

$48

Kemper

$594

$50

National General

$596

$50

Progressive

$597

$50

Nationwide

$598

$50

Capital Insurance Group

$627

$52

Farmers

$638

$53

State Farm

$646

$54

Capital Insurance Group

$649

$54

Allstate

$651

$54

Farmers

$655

$55

State National

$657

$55

Allstate

$658

$55

Hartford

$661

$55

Allstate

$706

$59

National General

$715

$60

Capital Insurance Group

$727

$61

Farmers

$744

$62

Nationwide

$751

$63

Chubb

$767

$64

Kemper

$787

$66

Chubb

$790

$66

Hartford

$859

$72

National General

$941

$78

National General

$955

$80

GEICO

$958

$80

AAA California

$976

$81

State Farm

$986

$82

AAA California

$987

$82

GEICO

$989

$82

Mercury

$1,030

$86

Mercury

$1,045

$87

Chubb

$1,099

$92

Progressive

$1,122

$94

Allstate

$1,124

$94

Progressive

$1,129

$94

GEICO

$1,143

$95

National General

$1,143

$95

Allstate

$1,180

$98

State National

$1,197

$100

Hartford

$1,230

$103

Capital Insurance Group

$1,256

$105

State Farm

$1,267

$106

Nationwide

$1,272

$106

State National

$1,287

$107

AAA California

$1,296

$108

Allstate

$1,304

$109

Travelers

$1,323

$110

Capital Insurance Group

$1,328

$111

Mercury

$1,352

$113

Progressive

$1,355

$113

Kemper

$1,357

$113

Nationwide

$1,377

$115

Travelers

$1,381

$115

Hartford

$1,416

$118

State Farm

$1,478

$123

Capital Insurance Group

$1,496

$125

Farmers

$1,531

$128

Farmers

$1,562

$130

State National

$1,577

$131

Travelers

$1,635

$136

Kemper

$1,666

$139

Chubb

$1,776

$148

Nationwide

$1,788

$149

Chubb

$1,837

$153

Hartford

$1,840

$153

Farmers

$1,847

$154

Kemper

$2,028

$169

Chubb

$2,619

$218

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.

Company
Annual Premium
Monthly Premium

GEICO

$381

$32

GEICO

$385

$32

AAA California

$407

$34

AAA California

$428

$36

State Farm

$428

$36

GEICO

$454

$38

Mercury

$460

$38

Mercury

$472

$39

Progressive

$500

$42

Travelers

$509

$42

Progressive

$510

$42

Travelers

$510

$43

AAA California

$516

$43

Kemper

$516

$43

State National

$545

$45

State National

$561

$47

State Farm

$566

$47

Nationwide

$577

$48

Hartford

$577

$48

Mercury

$579

$48

National General

$579

$48

Travelers

$580

$48

Kemper

$594

$50

National General

$596

$50

Progressive

$597

$50

Nationwide

$598

$50

Capital Insurance Group

$627

$52

Farmers

$638

$53

State Farm

$646

$54

Capital Insurance Group

$649

$54

Allstate

$651

$54

Farmers

$655

$55

State National

$657

$55

Allstate

$658

$55

Hartford

$661

$55

Allstate

$706

$59

National General

$715

$60

Capital Insurance Group

$727

$61

Farmers

$744

$62

Nationwide

$751

$63

Chubb

$767

$64

Kemper

$787

$66

Chubb

$790

$66

Hartford

$859

$72

National General

$941

$78

National General

$955

$80

GEICO

$958

$80

AAA California

$976

$81

State Farm

$986

$82

AAA California

$987

$82

GEICO

$989

$82

Mercury

$1,030

$86

Mercury

$1,045

$87

Chubb

$1,099

$92

Progressive

$1,122

$94

Allstate

$1,124

$94

Progressive

$1,129

$94

GEICO

$1,143

$95

National General

$1,143

$95

Allstate

$1,180

$98

State National

$1,197

$100

Hartford

$1,230

$103

Capital Insurance Group

$1,256

$105

State Farm

$1,267

$106

Nationwide

$1,272

$106

State National

$1,287

$107

AAA California

$1,296

$108

Allstate

$1,304

$109

Travelers

$1,323

$110

Capital Insurance Group

$1,328

$111

Mercury

$1,352

$113

Progressive

$1,355

$113

Kemper

$1,357

$113

Nationwide

$1,377

$115

Travelers

$1,381

$115

Hartford

$1,416

$118

State Farm

$1,478

$123

Capital Insurance Group

$1,496

$125

Farmers

$1,531

$128

Farmers

$1,562

$130

State National

$1,577

$131

Travelers

$1,635

$136

Kemper

$1,666

$139

Chubb

$1,776

$148

Nationwide

$1,788

$149

Chubb

$1,837

$153

Hartford

$1,840

$153

Farmers

$1,847

$154

Kemper

$2,028

$169

Chubb

$2,619

$218

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.

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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.

Company
Annual Premium
Monthly Premium

AAA California

$540

$45

AAA California

$568

$47

GEICO

$581

$48

GEICO

$588

$49

Mercury

$591

$49

Mercury

$606

$51

National General

$612

$51

National General

$612

$51

National General

$631

$53

National General

$631

$53

AAA California

$644

$54

State Farm

$650

$54

AAA California

$677

$56

State Farm

$680

$57

GEICO

$682

$57

Kemper

$685

$57

AAA California

$688

$57

GEICO

$690

$57

GEICO

$693

$58

Capital Insurance Group

$693

$58

Capital Insurance Group

$717

$60

Capital Insurance Group

$726

$61

Mercury

$739

$62

Mercury

$747

$62

Capital Insurance Group

$752

$63

National General

$754

$63

National General

$754

$63

Mercury

$760

$63

State National

$769

$64

State National

$769

$64

Travelers

$778

$65

Travelers

$779

$65

Kemper

$790

$66

State National

$792

$66

State National

$792

$66

Capital Insurance Group

$805

$67

GEICO

$812

$68

Mercury

$822

$69

AAA California

$823

$69

Hartford

$828

$69

Hartford

$828

$69

Capital Insurance Group

$843

$70

Mercury

$845

$70

State Farm

$861

$72

Travelers

$864

$72

Travelers

$866

$72

Farmers

$870

$73

National General

$870

$73

Farmers

$870

$73

Nationwide

$891

$74

Farmers

$893

$74

Farmers

$893

$74

Travelers

$894

$74

National General

$897

$75

State Farm

$899

$75

Progressive

$902

$75

Allstate

$908

$76

Allstate

$919

$77

Progressive

$923

$77

GEICO

$924

$77

Nationwide

$926

$77

State National

$933

$78

State National

$933

$78

GEICO

$935

$78

Mercury

$935

$78

Hartford

$963

$80

Hartford

$963

$80

State Farm

$982

$82

Chubb

$986

$82

National General

$989

$82

National General

$989

$82

Allstate

$991

$83

Nationwide

$991

$83

Travelers

$995

$83

Progressive

$998

$83

National General

$1,004

$84

National General

$1,004

$84

Chubb

$1,010

$84

Farmers

$1,016

$85

Farmers

$1,016

$85

Progressive

$1,023

$85

State Farm

$1,026

$85

Nationwide

$1,031

$86

Travelers

$1,041

$87

Travelers

$1,042

$87

Mercury

$1,043

$87

Allstate

$1,046

$87

Kemper

$1,049

$87

Allstate

$1,058

$88

National General

$1,077

$90

Capital Insurance Group

$1,086

$91

Farmers

$1,087

$91

Progressive

$1,089

$91

Progressive

$1,098

$91

GEICO

$1,103

$92

Farmers

$1,117

$93

Capital Insurance Group

$1,126

$94

Progressive

$1,129

$94

Allstate

$1,146

$96

Kemper

$1,165

$97

Kemper

$1,165

$97

Nationwide

$1,168

$97

Chubb

$1,198

$100

National General

$1,200

$100

National General

$1,200

$100

Travelers

$1,203

$100

Progressive

$1,208

$101

Chubb

$1,222

$102

AAA California

$1,258

$105

Capital Insurance Group

$1,266

$106

Farmers

$1,269

$106

AAA California

$1,273

$106

Hartford

$1,280

$107

Hartford

$1,280

$107

Nationwide

$1,303

$109

Chubb

$1,318

$110

Progressive

$1,334

$111

State Farm

$1,341

$112

Mercury

$1,352

$113

Mercury

$1,375

$115

State National

$1,383

$115

AAA California

$1,390

$116

National General

$1,396

$116

Kemper

$1,415

$118

Kemper

$1,415

$118

National General

$1,418

$118

State National

$1,427

$119

Capital Insurance Group

$1,434

$120

GEICO

$1,437

$120

AAA California

$1,464

$122

State Farm

$1,465

$122

Capital Insurance Group

$1,474

$123

AAA California

$1,481

$123

GEICO

$1,483

$124

AAA California

$1,487

$124

Capital Insurance Group

$1,521

$127

Chubb

$1,530

$127

State Farm

$1,535

$128

Chubb

$1,552

$129

Capital Insurance Group

$1,560

$130

Chubb

$1,575

$131

Nationwide

$1,576

$131

GEICO

$1,616

$135

Allstate

$1,628

$136

Nationwide

$1,639

$137

GEICO

$1,665

$139

AAA California

$1,670

$139

Mercury

$1,692

$141

State National

$1,693

$141

State National

$1,699

$142

State National

$1,699

$142

National General

$1,699

$142

Capital Insurance Group

$1,713

$143

Allstate

$1,714

$143

GEICO

$1,715

$143

Mercury

$1,720

$143

Capital Insurance Group

$1,760

$147

State Farm

$1,772

$148

AAA California

$1,782

$149

Mercury

$1,785

$149

Kemper

$1,787

$149

Kemper

$1,787

$149

Kemper

$1,802

$150

Mercury

$1,824

$152

State National

$1,827

$152

State National

$1,827

$152

Hartford

$1,830

$152

Hartford

$1,830

$152

Mercury

$1,847

$154

Allstate

$1,878

$157

Chubb

$1,883

$157

State Farm

$1,885

$157

Allstate

$1,903

$159

Allstate

$1,904

$159

GEICO

$1,927

$161

AAA California

$1,957

$163

Nationwide

$1,971

$164

State Farm

$1,973

$164

Hartford

$1,981

$165

Travelers

$2,000

$167

Allstate

$2,012

$168

State Farm

$2,023

$169

Allstate

$2,067

$172

Nationwide

$2,079

$173

Travelers

$2,083

$174

Farmers

$2,114

$176

Farmers

$2,114

$176

Hartford

$2,117

$176

Hartford

$2,117

$176

Progressive

$2,121

$177

Allstate

$2,125

$177

Nationwide

$2,136

$178

Progressive

$2,140

$178

Farmers

$2,158

$180

Farmers

$2,158

$180

Nationwide

$2,195

$183

State Farm

$2,197

$183

Kemper

$2,214

$184

Travelers

$2,226

$185

Mercury

$2,231

$186

Capital Insurance Group

$2,243

$187

State National

$2,244

$187

State National

$2,244

$187

GEICO

$2,289

$191

State Farm

$2,301

$192

Travelers

$2,313

$193

Progressive

$2,320

$193

Chubb

$2,331

$194

Hartford

$2,340

$195

Progressive

$2,344

$195

GEICO

$2,361

$197

Allstate

$2,368

$197

Capital Insurance Group

$2,379

$198

Nationwide

$2,381

$198

Chubb

$2,390

$199

Mercury

$2,395

$200

Travelers

$2,491

$208

Farmers

$2,552

$213

Farmers

$2,552

$213

Progressive

$2,576

$215

Farmers

$2,642

$220

Progressive

$2,651

$221

Capital Insurance Group

$2,683

$224

Progressive

$2,683

$224

Farmers

$2,697

$225

Kemper

$2,697

$225

GEICO

$2,733

$228

Travelers

$2,770

$231

Travelers

$2,773

$231

Hartford

$2,776

$231

Hartford

$2,776

$231

Nationwide

$2,782

$232

Progressive

$2,822

$235

Chubb

$2,863

$239

Travelers

$2,893

$241

Chubb

$2,922

$243

Kemper

$2,983

$249

Kemper

$2,983

$249

AAA California

$2,996

$250

AAA California

$3,015

$251

State Farm

$3,030

$252

Nationwide

$3,107

$259

State National

$3,159

$263

Chubb

$3,170

$264

Farmers

$3,189

$266

Hartford

$3,200

$267

Progressive

$3,232

$269

State National

$3,403

$284

Travelers

$3,486

$291

Nationwide

$3,493

$291

Allstate

$3,546

$296

Chubb

$3,704

$309

Allstate

$3,746

$312

Chubb

$3,751

$313

Kemper

$3,771

$314

Kemper

$3,771

$314

Nationwide

$3,792

$316

Chubb

$3,811

$318

State Farm

$3,898

$325

AAA California

$3,971

$331

Allstate

$4,174

$348

State National

$4,197

$350

Hartford

$4,405

$367

Kemper

$4,475

$373

Kemper

$4,475

$373

State Farm

$4,543

$379

Chubb

$4,594

$383

Nationwide

$4,964

$414

Hartford

$5,146

$429

Hartford

$6,870

$573

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,283

$2,062

GEICO

$1,313

$2,111

GEICO

$1,315

$2,325

GEICO

$1,330

$2,218

GEICO

$1,345

$2,162

GEICO

$1,352

$2,390

GEICO

$1,371

$2,525

GEICO

$1,389

$2,455

GEICO

$1,523

$2,278

GEICO

$1,573

$2,601

Capital Insurance Group

$1,715

$2,193

Capital Insurance Group

$1,715

$2,193

Allstate

$1,734

$2,807

Allstate

$1,734

$2,807

Nationwide

$1,746

$3,618

Nationwide

$1,746

$3,618

Progressive

$1,759

$2,827

Progressive

$1,759

$2,827

Kemper

$1,777

$3,568

Kemper

$1,777

$3,568

Allstate

$1,815

$2,938

Allstate

$1,815

$2,938

Allstate

$1,861

$3,264

Allstate

$1,861

$3,264

Kemper

$1,876

$3,767

Kemper

$1,876

$3,767

Allstate

$1,880

$3,044

Allstate

$1,880

$3,044

Progressive

$1,905

$3,060

Progressive

$1,905

$3,060

Nationwide

$1,914

$3,967

Nationwide

$1,914

$3,967

Capital Insurance Group

$1,952

$2,598

Capital Insurance Group

$1,952

$2,598

GEICO

$1,960

$3,311

Farmers

$1,974

$2,820

Farmers

$1,974

$2,820

Kemper

$1,975

$4,430

Kemper

$1,975

$4,430

Nationwide

$1,975

$4,537

Nationwide

$1,975

$4,537

Allstate

$1,995

$3,279

Allstate

$1,995

$3,279

Travelers

$1,999

$2,709

Travelers

$1,999

$2,709

State Farm

$2,012

$2,955

State Farm

$2,012

$2,955

Capital Insurance Group

$2,031

$2,598

Capital Insurance Group

$2,031

$2,598

Capital Insurance Group

$2,031

$2,598

Capital Insurance Group

$2,031

$2,598

GEICO

$2,037

$3,819

Progressive

$2,038

$3,782

Progressive

$2,038

$3,782

Kemper

$2,041

$4,098

Kemper

$2,041

$4,098

Nationwide

$2,052

$4,252

Nationwide

$2,052

$4,252

Travelers

$2,069

$2,805

Travelers

$2,069

$2,805

State Farm

$2,093

$3,074

State Farm

$2,093

$3,074

Travelers

$2,112

$3,010

Travelers

$2,112

$3,010

State Farm

$2,130

$3,335

State Farm

$2,130

$3,335

Progressive

$2,134

$3,429

Progressive

$2,134

$3,429

State Farm

$2,142

$3,145

State Farm

$2,142

$3,145

GEICO

$2,144

$3,206

Travelers

$2,157

$2,923

Travelers

$2,157

$2,923

Farmers

$2,210

$3,270

Farmers

$2,210

$3,270

GEICO

$2,229

$3,686

Capital Insurance Group

$2,267

$2,923

Capital Insurance Group

$2,267

$2,923

State Farm

$2,282

$3,400

State Farm

$2,282

$3,400

Kemper

$2,287

$4,697

Kemper

$2,287

$4,697

Allstate

$2,288

$4,179

Allstate

$2,288

$4,179

Farmers

$2,289

$3,270

Farmers

$2,289

$3,270

Farmers

$2,289

$3,270

Farmers

$2,289

$3,270

Nationwide

$2,312

$4,973

Nationwide

$2,312

$4,973

Allstate

$2,326

$3,822

Allstate

$2,326

$3,822

Capital Insurance Group

$2,351

$2,923

Capital Insurance Group

$2,351

$2,923

Travelers

$2,356

$3,159

Travelers

$2,356

$3,159

State Farm

$2,423

$3,786

State Farm

$2,423

$3,786

State Farm

$2,445

$3,642

State Farm

$2,445

$3,642

Farmers

$2,472

$3,750

Farmers

$2,472

$3,750

Kemper

$2,478

$5,087

Kemper

$2,478

$5,087

Kemper

$2,499

$5,609

Kemper

$2,499

$5,609

Capital Insurance Group

$2,517

$3,245

Capital Insurance Group

$2,517

$3,245

Progressive

$2,527

$4,148

Progressive

$2,527

$4,148

Travelers

$2,556

$3,645

Travelers

$2,556

$3,645

Travelers

$2,596

$3,481

Travelers

$2,596

$3,481

Farmers

$2,672

$4,318

Farmers

$2,672

$4,318

State Farm

$2,692

$4,801

State Farm

$2,692

$4,801

Farmers

$2,697

$4,090

Farmers

$2,697

$4,090

GEICO

$2,708

$4,788

Farmers

$2,813

$5,564

Farmers

$2,813

$5,564

GEICO

$2,839

$5,565

Nationwide

$2,849

$6,876

Nationwide

$2,849

$6,876

State Farm

$2,854

$5,090

State Farm

$2,854

$5,090

Farmers

$2,882

$5,820

Farmers

$2,882

$5,820

Farmers

$2,891

$5,719

Farmers

$2,891

$5,719

GEICO

$2,903

$5,346

State Farm

$2,915

$5,703

State Farm

$2,915

$5,703

GEICO

$2,977

$5,265

Nationwide

$3,039

$6,538

Nationwide

$3,039

$6,538

Allstate

$3,053

$6,010

Allstate

$3,053

$6,010

GEICO

$3,060

$6,291

GEICO

$3,134

$6,145

Progressive

$3,151

$5,870

Progressive

$3,151

$5,870

Allstate

$3,162

$6,331

Allstate

$3,162

$6,331

Allstate

$3,216

$6,331

Allstate

$3,216

$6,331

Capital Insurance Group

$3,231

$4,016

Capital Insurance Group

$3,231

$4,016

Capital Insurance Group

$3,231

$4,016

Capital Insurance Group

$3,231

$4,016

Capital Insurance Group

$3,231

$4,016

Capital Insurance Group

$3,231

$4,016

Progressive

$3,349

$5,496

Progressive

$3,349

$5,496

Travelers

$3,417

$4,596

Travelers

$3,417

$4,596

Travelers

$3,569

$4,801

Travelers

$3,569

$4,801

Travelers

$3,577

$5,039

Travelers

$3,577

$5,039

Progressive

$3,636

$7,463

Progressive

$3,636

$7,463

Progressive

$3,659

$7,528

Progressive

$3,659

$7,528

Progressive

$3,674

$7,540

Progressive

$3,674

$7,540

Kemper

$3,770

$7,659

Kemper

$3,770

$7,659

Kemper

$4,130

$8,390

Kemper

$4,130

$8,390

Kemper

$4,168

$9,352

Kemper

$4,168

$9,352

Nationwide

$4,328

$9,296

Nationwide

$4,328

$9,296

Nationwide

$4,866

$10,452

Nationwide

$4,866

$10,452

Nationwide

$5,023

$12,614

Nationwide

$5,023

$12,614

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.

Company
Annual Premium
Monthly Premium

GEICO

$381

$32

GEICO

$385

$32

USAA

$388

$32

USAA

$388

$32

AAA California

$407

$34

State Farm

$428

$36

AAA California

$428

$36

GEICO

$454

$38

Mercury

$460

$38

USAA

$468

$39

Mercury

$472

$39

Progressive

$500

$42

Travelers

$509

$42

Progressive

$510

$42

Travelers

$510

$43

AAA California

$516

$43

Kemper

$516

$43

State National

$545

$45

State National

$561

$47

State Farm

$566

$47

Nationwide

$577

$48

Hartford

$577

$48

Mercury

$579

$48

National General

$579

$48

Travelers

$580

$48

Kemper

$594

$50

National General

$596

$50

Progressive

$597

$50

Nationwide

$598

$50

Capital Insurance Group

$627

$52

Farmers

$638

$53

State Farm

$646

$54

Capital Insurance Group

$649

$54

Allstate

$651

$54

Farmers

$655

$55

State National

$657

$55

Allstate

$658

$55

Hartford

$661

$55

Allstate

$706

$59

National General

$715

$60

Capital Insurance Group

$727

$61

Farmers

$744

$62

Nationwide

$751

$63

Chubb

$767

$64

Kemper

$787

$66

Chubb

$790

$66

Hartford

$859

$72

USAA

$874

$73

USAA

$895

$75

National General

$941

$78

National General

$955

$80

GEICO

$958

$80

AAA California

$976

$81

State Farm

$986

$82

AAA California

$987

$82

GEICO

$989

$82

Mercury

$1,030

$86

Mercury

$1,045

$87

USAA

$1,072

$89

Chubb

$1,099

$92

Progressive

$1,122

$94

Allstate

$1,124

$94

Progressive

$1,129

$94

National General

$1,143

$95

GEICO

$1,143

$95

Allstate

$1,180

$98

State National

$1,197

$100

Hartford

$1,230

$103

Capital Insurance Group

$1,256

$105

State Farm

$1,267

$106

Nationwide

$1,272

$106

State National

$1,287

$107

AAA California

$1,296

$108

Allstate

$1,304

$109

Travelers

$1,323

$110

Capital Insurance Group

$1,328

$111

Mercury

$1,352

$113

Progressive

$1,355

$113

Kemper

$1,357

$113

Nationwide

$1,377

$115

Travelers

$1,381

$115

Hartford

$1,416

$118

State Farm

$1,478

$123

Capital Insurance Group

$1,496

$125

Farmers

$1,531

$128

Farmers

$1,562

$130

State National

$1,577

$131

Travelers

$1,635

$136

Kemper

$1,666

$139

Chubb

$1,776

$148

Nationwide

$1,788

$149

Chubb

$1,837

$153

Hartford

$1,840

$153

Farmers

$1,847

$154

Kemper

$2,028

$169

Chubb

$2,619

$218

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.

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Progressive

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?

GEICO

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.

Read MoneyGeek's GEICO Auto Insurance Review

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?

Chubb

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?

GEICO

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.

Read MoneyGeek's GEICO Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.