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Best Cheap Auto Insurance in Moreno Valley, CA (2021)

Things to Remember

  • The average annual auto insurance rate for Moreno Valley, CA is $3,897.29
  • The cheapest auto insurance company in Moreno Valley, CA is USAA
  • Moreno Valley, CA rates are affected by the traffic that is shared with San Bernardino as well as Los Angeles
  • The average commute time for nearby San Bernardino is 26 min

Moreno Valley, CA average annual auto insurance rates are slightly above average when compared to other cities in California. But, surprisingly, they are nearly $225 cheaper per year than San Bernardino which is only 30 minutes away.

You can save on Moreno Valley, California auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on how to get cheap auto insurance in Moreno Valley, California for every age, credit history, and driving record.

Table of Contents

Monthly Moreno Valley, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Moreno Valley, CA auto insurance rates by ZIP Code below:

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Moreno Valley, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Moreno Valley, CA against other top US metro areas’ auto insurance costs.

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Ready to find affordable auto insurance in Moreno Valley, CA? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Moreno Valley, CA?

The cheapest auto insurance company in Moreno Valley, based on average rates, is USAA.

The cheapest Moreno Valley, CA car insurance providers can be found below. You also might be wondering, “How do those Moreno Valley, CA rates compare against the average California car insurance company rates?” We uncover that too.

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The top auto insurance companies in Moreno Valley, CA, ranked from cheapest to most expensive are:

  • USAA – $2,744.80
  • GEICO – $2,888.69
  • Progressive – $3,096.71
  • Liberty Mutual – $3,099.00
  • Travelers – $3,546.00
  • State Farm – $4,735.45
  • Allstate – $4,791.60
  • Nationwide – $4,958.64
  • Farmers – $5,214.71

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

What auto insurance coverage is required in Moreno Valley, CA?

All Moreno Valley drivers have to meet the California state law minimum requirements to buy auto insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

Moreno Valley, CA car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Moreno Valley, CA car insurance costs. Find the cheapest Moreno Valley, California car insurance costs by coverage level below:

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Your driving record will affect your Moreno Valley, CA car insurance costs. For example, a Moreno Valley, California DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Moreno Valley, California car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Moreno Valley, California car insurance. Factors affecting car insurance rates in Moreno Valley, CA may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Moreno Valley, CA car insurance rates. Young drivers are often considered high-risk. This Moreno Valley, California does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Moreno Valley, CA.

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What affects auto insurance rates in Moreno Valley, CA?

Moreno Valley is the 22nd largest city in California and about a 30 min drive south of San Bernardino. Let’s take a look at how Moreno Valley auto insurance rates compare to other cities in California.

  • Beverly Hills, CA — $6,188.41 (most expensive)
  • San Bernardino, CA — $4,123.85 (next closest city)
  • Moreno Valley, CA — $3,897.29
  • Los Ranchos, CA — $2,731.32 (cheapest)

INRIX doesn’t rank Moreno Valley or San Bernardino but does rank Los Angeles, which is a little over an hour away.

INRIX ranks Los Angeles as the 6th most congested city in the U.S. Moreno Valley is south of San Bernadino and east of Los Angeles, so traffic heading to a larger city can affect auto insurance rates.

City-Data doesn’t measure commute time for Moreno Valley but does report that the average commute time for San Bernardino is 26 minutes.

Auto theft in Moreno Valley also affects rates, and the most recent annual statistics list 1,158 auto thefts in a city population of 207,418. That’s a rate of 179 cars stolen per 100,000 population.

Moreno Valley, CA Auto Insurance: The Bottom Line

Moreno Valley has fairly average car insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.

Before you buy auto insurance in Moreno Valley, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Moreno Valley, CA auto insurance quotes.

References:

  1. http://www.city-data.com/city/San-Bernardino-California.html
  2. https://inrix.com/scorecard-city/?city=Los%20Angeles%2C%20CA&index=26
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/california.xls

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