Compare the Cheapest Car Insurance Quotes in Murrieta

With an annual rate of $1,278, car insurance in Murrieta is 10.6% cheaper than California’s state average. Esurance is the cheapest insurance provider in the city costing around $935 per year. The insurance premium varies according to driver profiles and the coverage amount. MoneyGeek researched the least expensive insurers that still provide quality service to help you find your best fit.

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Last Updated: 5/16/2022
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Your car insurance premium will heavily rely on your driver profile and coverage level. In general, Esurance is the cheapest in Murrieta at $935 per year. It’s the cheapest option as well for state minimum coverage and for drivers with speeding tickets. USAA, on the other hand, might be the most affordable for those with a military background.

We also found that the best car insurance in Murrieta that balances cost and customer is AAA, with a MoneyGeek score of 90 out of 100.

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The Cheapest and Best Car Insurance in Murrieta

The Cheapest Car Insurance Companies in Murrieta

MoneyGeek finds that the best car insurance companies in Murrieta in terms of affordability are:

  • Esurance: $935 per year
  • AAA: $1,046 per year

While it is only available to military personnel and their families, USAA is also a relatively cheap option, costing around $1,133 each year.

Insurance with comprehensive and collision coverage is known as a full coverage policy. Esurance is a great option if you're seeking the cheapest full coverage car insurance quote in Murrieta. Its full coverage rate is 67% lower than Allied, which has the highest average annual insurance price in the city at $1,561. It's worth noting that depending on how much liability insurance you buy, your rate may vary.

Cheapest Car Insurance in Murrieta
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $935
  • 2.
    AAA
    $1,046
  • 3.
    MetLife
    $1,095
  • 4.
    GEICO
    $1,131
  • 5.
    USAA
    $1,133
  • 6.
    Progressive
    $1,172
  • 7.
    Mercury
    $1,218
  • 8.
    Allstate
    $1,275
  • 9.
    State Farm
    $1,421
  • 10.
    Hartford
    $1,469
  • 11.
    Travelers
    $1,489
  • 12.
    Farmers
    $1,531
  • 13.
    Allied
    $1,561

In accordance with our methodology, MoneyGeek calculated the average rates for a 40-year-old male driver in Murrieta with a full coverage policy. Full coverage is more expensive than state minimum liability and other coverages, but it also includes comprehensive and collision insurance. This is beneficial because it provides protection against the cost of repairing damage to your own vehicle.

  • Collision: Covers accidental damage to your vehicle
  • Comprehensive: Theft, vandalism, hail and other non-accidental damage to your vehicle are all covered

With full coverage, you may end up spending more for insurance than the car's worth if you have an older vehicle. To get the cheapest rates, you might want to go with liability-only insurance or maybe even state minimum coverage in this situation.

Compare Car Insurance Rates in Murrieta

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 Murrieta for Minimum Coverage

Purchasing state minimum or liability-only coverage may be the best option for individuals looking for the cheapest car insurance in Murrieta. The companies that provide the cheapest state minimum insurance in Murrieta are:

  • AAA: $458 per year
  • GEICO: $479 per year

Charging around $464 per year, USAA is the second least expensive choice, but it is only available to military personnel.

AAA’s annual cost is $366 cheaper than Farmers’ average rate of $824, which is the most expensive insurer in Murrieta for this type of coverage. Although a policy with basic coverage is the cheapest choice, it may not entirely protect you in the case of an accident. This is because it does not offer collision or comprehensive coverage.

Toggle the table below to see the cost of having higher liability coverage.

Cheapest Minimum Liability Car Insurance in Murrieta
State Minimum

Only bodily injury and property damage liability insurance are included in a minimum car insurance policy in California. In case of an accident or if your car is damaged, your minimum insurance plan will not cover you. It will save you money on your monthly expenses, but you may have to pay more out of pocket if you get into an accident.

For example, if you are at fault in a $60,000 medical bill accident, you will need to pay $30,000 since California’s minimum liability insurance only covers $30,000 per accident.

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 Murrieta if You Have Driving Violations

If you have violations, your driving record might be tarnished, leading your car insurance rates to increase. Here are the cheapest car insurance companies in Murrieta for drivers with certain violations:

  • Cheapest after a ticket: Esurance, $1,180 per year
  • Cheapest after an at-fault accident: Esurance, $1,454 per year
  • Cheapest after a DUI: Mercury, $1,988 per year

Improving your driving record is a slow but steady approach to lowering your premium costs. In the meantime, however, the ideal move is to compare companies that charge the best cheap auto insurance rates after an accident or ticket.

Cheapest Car Insurance in Murrieta With a Violation
Speeding Ticket

Average Cost of Car Insurance in Murrieta

Murrieta$1,278
California$1,429
U.S.$1,424

Car insurance costs around $1,278 per year in Murrieta. The average state rate in California, which is $1,429 per year, is about 10.6% higher in comparison. Similarly, Murrieta policyholders spend 10.3% less than the national average car insurance cost, which is $1,424.

Personalized Quotes to Get You the Cheapest Car Insurance in Murrieta

When determining car insurance quotes in Murrieta, insurers look into a number of criteria. Your driving record and experience, credit score, marital status and other factors are considered. Because these criteria might vary over time, it's a good idea to check auto insurance quotes from different companies frequently, especially since discounts and rebates might help you save money.

Compare Car Insurance Rates in Murrieta

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 Murrieta

Most people want an insurance company that provides exceptional service at a reasonable price. The top car insurance companies in Murrieta that balance service and affordability are:

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

The financial stability, pricing and J.D. Power user satisfaction ratings of each company were all taken into account in MoneyGeek's methodology.


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

Your auto insurance premiums might differ based on your ZIP code because the rate of car thefts, accidents and other risk factors vary from one place to the next.

The cheapest ZIP code for auto insurance in Murrieta, 92562, costs around $1,271. The most expensive ZIP code, 92563, costs $15 more. You may compare quotes from various auto insurance providers online to discover the best prices for your ZIP code. To help you understand how car insurance works in Murrieta, you should research car insurance in California.

  • Zip Code
    State Minimumper year
  • 92562
    $1,271
  • 92563
    $1,286

Factors That Impact Insurance Costs in Murrieta

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 Murrieta. How Murrieta 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 Fatalities133rd/300
handcuffs2 icon
Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall271st/300
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Most Rainy Days297th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Murrieta 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.