1. Home
  2. The Best Cheap Car Insurance in Moreno Valley
Written by:

Average Cost of Car Insurance in Moreno Valley

Moreno Valley$1,413
California$1,429
U.S.$1,424

The average car insurance rate in Moreno Valley costs $1,413 per year. This rate is slightly lower than both the state and national average annual premiums. A typical Moreno Valley driver pays 1.1% less than the average rate for auto insurance in the state of California and 0.8% less than the average annual premium in the United States.

Compare Car Insurance Rates in Moreno Valley

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

The Best Cheap Car Insurance Companies in Moreno Valley

Moreno Valley drivers who have auto insurance from Esurance typically pay the most affordable annual premiums. An Esurance policy in this city costs $1,122 per year on average, which is $291 less than the city average. Following Esurance in the top five companies with cheap car insurance in Moreno Valley are USAA, Progressive, AAA and GEICO. Meanwhile, the company offering the most expensive rate is Allied, with an average annual premium of $1,747, which is about 55.7% more expensive than Esurance and also $333 more than the city average.

Scroll for more

swipe icon
Company
Amountper year
1. Esurance
In 2021, Esurance ranked #1 in Moreno Valley for the cheapest car insurance for the average driver.
$1,122
2. USAA
In 2021, USAA ranked #2 in Moreno Valley for the cheapest car insurance for the average driver.
$1,129
3. Progressive
In 2021, Progressive ranked #3 in Moreno Valley for the cheapest car insurance for the average driver.
$1,187
4. AAA
In 2021, AAA ranked #4 in Moreno Valley for the cheapest car insurance for the average driver.
$1,229
5. GEICO
In 2021, GEICO ranked #5 in Moreno Valley for the cheapest car insurance for the average driver.
$1,240
6. Mercury
In 2021, Mercury ranked #6 in Moreno Valley for the cheapest car insurance for the average driver.
$1,281
7. Allstate
In 2021, Allstate ranked #7 in Moreno Valley for the cheapest car insurance for the average driver.
$1,295
8. MetLife
In 2021, MetLife ranked #8 in Moreno Valley for the cheapest car insurance for the average driver.
$1,303
9. Farmers
In 2021, Farmers ranked #9 in Moreno Valley for the cheapest car insurance for the average driver.
$1,586
10. Hartford
In 2021, Hartford ranked #10 in Moreno Valley for the cheapest car insurance for the average driver.
$1,641
11. Travelers
In 2021, Travelers ranked #11 in Moreno Valley for the cheapest car insurance for the average driver.
$1,663
12. State Farm
In 2021, State Farm ranked #12 in Moreno Valley for the cheapest car insurance for the average driver.
$1,665
13. Allied
In 2021, Allied ranked #13 in Moreno Valley for the cheapest car insurance for the average driver.
$1,747

Personalized Quotes to Get You the Cheapest Car Insurance in Moreno Valley

The risks associated with a driver are specific to personal circumstances. That’s why car insurance companies in Moreno Valley use various determining factors to calculate annual premiums. These include your gender, age, driving record, marital status, car make and model and ZIP code. Therefore, it is best to regularly compare personalized quotes since your circumstances may change, and to see if you qualify for discounts or rebates.

Compare Car Insurance Rates in Moreno Valley

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Moreno Valley by Coverage Amount

How much car insurance coverage you purchase in Moreno Valley also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

California Minimum Liability Requirements

ItemDescription
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.

Car insurance quotes in Moreno Valley reflect the limits and levels of coverage. Generally, the cheapest option for Moreno Valley drivers is to get a state minimum liability-only plan, which has an average premium of $452 from USAA. However, USAA policies are for military members and their families only. If you do not qualify, your cheapest option is Progressive. Its state minimum liability-only policy has an annual premium of $494 on average.

If you think a basic policy is not enough, you can get a 50/100/50 liability-only or full-coverage plan, which allows you to claim up to $50,000 for bodily injury per person and $100,000 per vehicle, along with $50,000 for property damage. The full-coverage plan will include your own expenses in case of an accident, as well as those of the other driver(s). So, if the difference between these options is within your budget, it may be preferable to get full coverage. For example, a MetLife 50/100/50 liability-only policy costs $880 per year on average, while adding around $321 can get you full coverage.

Another option for Moreno Valley drivers is 100/300/100 full coverage. You can get the lowest average annual premium for this coverage level from Esurance at $1,122.

Average Car Insurance Premiums by Coverage Type

Liability Only
CompanyState Minimumper year50 / 100 / 50per year
1. USAA$452$592
2. Progressive$494$694
3. Esurance$573$688
4. AAA$535$649
5. GEICO$514$710
6. Mercury$515$721
7. MetLife$632$880
8. Allstate$727$837
9. Travelers$625$861
10. Farmers$793$932
11. Hartford$799$1,027
12. State Farm$808$1,090
13. Allied$769$995
Full Coverage
Company50 / 100 / 50per year100 / 300 / 100per year
1. USAA$1,061$1,129
2. Progressive$1,073$1,187
3. Esurance$1,076$1,122
4. AAA$1,119$1,229
5. GEICO$1,123$1,240
6. Mercury$1,187$1,281
7. MetLife$1,201$1,303
8. Allstate$1,224$1,295
9. Travelers$1,550$1,663
10. Farmers$1,478$1,586
11. Hartford$1,516$1,641
12. State Farm$1,484$1,665
13. Allied$1,617$1,747
Compare Car Insurance Rates in Moreno Valley

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Moreno Valley If You Have Tickets

Having citations on your driving record can lead to higher premiums. Generally, responsible drivers can get cheap car insurance in Moreno Valley. For instance, an Esurance policyholder with no violations will pay an average of $1,122 per year, but a speeding ticket adds $305 on average, while an at-fault accident increases your rate by about $641. A DUI is even more costly, as this violation adds $1,678 on average.

CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
1. Esurance$1,427$1,763$2,800
2. Mercury$1,676$2,211$2,097
3. USAA$1,234$1,967$3,195
4. GEICO$1,832$2,087$2,923
5. AAA$1,616$1,855$3,806
6. Progressive$2,276$2,480$2,862
7. Farmers$2,178$2,723$2,723
8. Allstate$1,833$2,316$4,090
9. Travelers$2,479$2,748$3,443
10. Allied$2,448$2,814$4,232
11. State Farm$2,444$2,542$5,111
12. MetLife$1,692$2,197$8,230
13. Hartford$2,594$3,642$6,089

Average Cost of Car Insurance by Postal Code

Area-related factors also have an impact on insurance costs, which is why the average car insurance rates in Moreno Valley may vary depending on ZIP codes. Drivers from ZIP code 92557 pay an average of $1,383 per year in auto insurance premiums, while people who live in ZIP code 92553 pay roughly $60 more.

Zip CodeState Minimumper year
92557$1,383
92553$1,443
iconribbontop ratedCar Insurance agentsMoreno Valley2021

Top Agents Offering Affordable Car Insurance in Moreno Valley

1. Farmers Insurance - Julia Lara12981 Perris Blvd, Ste 108, Moreno Valley, CA, 92553
4 ratings
2. Aguayo Insurance Solutions14055 Perris Blvd, Ste 104, Moreno Valley, CA, 92553
4 ratings
3. Acceptance Insurance12190 Perris Blvd, Ste B, Moreno Valley, CA, 92557
4 ratings
4. Speedy Insurance12625 Frederick St, Ste I-1, Moreno Valley, CA, 92553
19 ratings
5. All Solutions Insurance - Moreno Valley22364 Alessandro Blvd, Moreno Valley, CA, 92553
14 ratings

Factors That Impact Insurance Costs in Moreno Valley

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accident also contribute to car insurance rates in Moreno Valley. How Moreno Valley 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 Fatalities221st/300
handcuffs2 icon
Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall271st/300
umbrella icon
Most Rainy Days256th/300

Shopping around for car insurance in Moreno Valley could save you $291, which is enough to buy:


coffee icon
97Cups of Coffee
display2
22Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Moreno Valley 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 overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Moreno Valley

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates