Cheapest and Best Car Insurance Companies in Murrieta, CA

Using 2023 quotes, MoneyGeek finds that GEICO offers the cheapest minimum coverage auto insurance in Murrieta, CA. Additionally, it’s the overall best insurer in the city, balancing quality service and low prices.

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 + BestCar InsuranceMurrieta

2023

Cheapest and Best Car Insurance in Murrieta, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - Farmers

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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.

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?

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.

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 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.

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Cheapest and Best Car Insurance Companies in Murrieta, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Murrieta

Cheapest Full Coverage Car Insurance in Murrieta

Cheapest Car Insurance in Murrieta After a Driving Offense

Cheapest Car Insurance in Murrieta for Teens and Their Families

Cheapest Car Insurance in Murrieta for Military Drivers

How to Compare Cheap Murrieta Car Insurance Quotes Online

Best Car Insurance in Murrieta: Summary

Best Overall Car Insurance in Murrieta

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Murrieta for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Murrieta

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Murrieta