Cheapest and Best Car Insurance in Murrieta, CA (July 2024)

In Murrieta, California, Mercury offers the cheapest full coverage, while the cheapest minimum coverage is from GEICO. For families with teens, State Farm beats the rest.

The best service provider is Chubb. Capital Insurance Group provides the best overall value considering both price and service. The best fit for your specific needs depends on preferred coverage and personal details.

GEICO is the cheapest car insurance option in Murrieta, offering the most affordable rates for minimum coverage.

• GEICO: $439 per year
• Mercury: $442 per year

Chubb has the most expensive minimum coverage policy in Murrieta, with an annual premium of $767. The difference between GEICO and Chubb's rates, up to $328 annually, highlights the importance of comparing car insurance quotes.

State Minimum Liability Requirements

In every corner of California, from the streets of Murriet### State Minimum Liability Requirementsa to the avenues of San Francisco, state law prescribes the minimum car insurance coverage one must carry.

• $15,000 bodily injury per person
• $30,000 bodily injury per accident
• $5,000 property damage liability per accident

Under this law, if you hold a minimum coverage policy and are involved in an accident, your insurer would cover up to $15,000 for bodily injuries per person, and up to $30,000 total per accident. However, should the actual expenses exceed these limits, any remaining costs would have to come out of your pocket.

Mercury is the cheapest option in Murrieta for those wanting the cheapest full coverage car insurance.

• Mercury: $1,105 per year
• National General: $1,121 per year

Full coverage policies include comprehensive and collision insurance, making them pricier than minimum coverage. Farmers has the most expensive full coverage policy in Murrieta at $1,958 per year, which is a significant $853 more annually than Mercury. This difference highlights the importance of comparing rates to save money.

Do You Need Full Coverage in California?

A full coverage policy in Murrieta includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

The most affordable insurance options for drivers with poor driving records in Murrieta vary based on the specific type of traffic offense. For full coverage policies, here are the cheapest providers:

• Speeding ticket: National General ($1,176 per year)
• At-fault accident: Capital Insurance Group ($1,577 per year)
• DUI: National General ($1,176 per year)

Meanwhile, the most expensive rates for these offenses come from Nationwide and State Farm, particularly for DUI-related premiums, which can soar as high as $4,868 per year. This contrast with the cheapest rate following a DUI highlights how significantly the severity of traffic offenses can influence car insurance costs in Murrieta.

In Murrieta, as in many other cities, the seriousness of your driving offense significantly influences your car insurance rates due to the heightened risk you pose to insurers. For instance, drivers with a DUI in Murrieta face an average annual rate of $3,347, compared with $2,005 for those with a speeding ticket — a $1,342 difference.

People with driving infractions should diligently compare insurance rates because finding the most competitive policy can lead to substantial savings.

Farmers is the cheapest option in Murrieta, offering the most affordable cheapest car insurance for teens. Here are the two most economical choices:

• Farmers: $2,882 per year for female and male teens
• GEICO: $2,903 per year for female teens and $3,060 per year for male teens

These rates are for policies covering a combination of two parents and their teenage driver. The most expensive teen family policy in Murrieta is from Nationwide, with an annual premium of $5,023 for female teens. This difference showcases the significance of comparing insurance options, especially when adding higher-risk teen drivers to a policy.

In Murrieta, as well as across other cities, opting for a joint family plan rather than an individual policy can vastly reduce the financial burden of teen car insurance premiums. The average individual premium for teenagers is approximately $4,205, in contrast to a more economical average family premium of $3,520.

The discrepancy in rates stems from insurers viewing teens as high-risk drivers due to their limited driving experience. Consequently, not only are the premiums higher, but teens may also face challenges when seeking approval for individual policies. Insurers tend to favor the reduced risk presented by a more diverse pool of drivers on a family plan, hence the more favorable pricing structure.

Mercury offers the cheapest car insurance for military backgrounds in Murrieta.

• Mercury: $1,105 per year
• National General: $1,121 per year

USAA's annual premium of $1,242 places it outside of the cheapest options in Murrieta. But USAA specializes in serving the unique needs of military members and veterans, offering dedicated service and potentially more relevant benefits for active duty personnel.

In Murrieta, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Finding the right auto insurance hinges on your priorities, including service, cost, coverage, and other factors. MoneyGeek's unique scoring system has identified the top car insurance providers in Murrieta for different needs:

• Best overall: Capital Insurance Group (MoneyGeek score 83 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Mercury (MoneyGeek score 82 out of 100)

For a balance between service quality and price, Capital Insurance Group is the best overall option in Murrieta. If you’re prioritizing premium customer service, Chubb leads, offering the finest experience regardless of affordability. Cost-conscious drivers will find Mercury attractive, as it provides a blend of affordability without significant compromise on service.

Capital Insurance Group is the best car full coverage insurance option in Murrieta.

• Capital Insurance Group: MoneyGeek score of 83 out of 100 ($1,340 per year)
• Chubb: MoneyGeek score of 80 out of 100 ($1,776 per year)

Capital Insurance Group distinguishes itself with a high satisfaction score and a strong showing in affordability. These elements, essential for a comprehensive car insurance policy, position Capital Insurance Group at the forefront for those prioritizing quality service and economic value in Murrieta.

Chubb is the best option in Murrieta for if you’re looking for top-notch car insurance customer service. This assessment considers overall customer satisfaction, efficiency of claims handling, and the comprehensiveness of coverages offered, without placing weight on the cost of premiums.

• Chubb: MoneyGeek score of 94 out of 100 ($1,776 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,340 per year)

Chubb stands out in the rankings notably for its highest claims score and a full mark in stability. Its commitment to customer satisfaction and robust coverage options sets Chubb apart as the leading car insurance company in Murrieta for service excellence.

Mercury is the best option in Murrieta for drivers seeking affordable and reliable car insurance. This company stands at the pinnacle with a weighted score that considers cost efficiency alongside customer satisfaction and claims processing efficacy.

• Mercury: MoneyGeek score of 82 out of 100 ($442 per year)
• Capital Insurance Group: MoneyGeek score of 76* out of 100 ($588 per year)

Mercury distinguishes itself for its unparalleled balance of a low annual premium and high-quality service provision, particularly claims handling and customer satisfaction. This score reflects the value and protection offered by a minimum coverage policy.

The average car insurance cost in Murrieta, California, stands at $1,499. Comparatively, Murrieta's car insurance costs less than the California state average of $1,562. Car insurance in California is less expensive than the national average by $219, the national average being $1,781.

Car insurance premiums are affected by a multitude of factors, with location being a significant component. The importance of location in determining insurance costs can be attributed to variables such as accident rates, theft instances and population density, which influence risk assessment.

In California, Santa Maria has the cheapest premium at $1,106, while Glendale has the most expensive at $2,115 — a difference of $1,009. Such disparities highlight the role of location in insurance rates, and in less urbanized areas with lower traffic density, premiums may be even more competitively priced.