Can't-Miss Facts

  • The average annual auto insurance rates for Moreno Valley, CA are $3,897.29 ($324/mo)
  • 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 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 affordable auto insurance rates in Moreno Valley, California for every age, credit history, and driving record.

Are you trying to find affordable auto insurance in Moreno Valley, CA? Weather the storm of finding great rates by using our quote tool. Enter your ZIP code above to get started.

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

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

The top auto insurance companies in Moreno Valley, CA, ranked from cheapest to most expensive annual rates 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 your age, your driving record, what kind of car you drive, and the coverage level you choose.

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

Teen females:

  • USAA — $4,482
  • Liberty Mutual — $5,115
  • Progressive — $5,174
  • GEICO — $5,438
  • Travelers — $5,451
  • State Farm — $6,869
  • Allstate — $8,554
  • Nationwide — $8,875
  • Farmers — $9,038

Teen males:

  • USAA — $4,505
  • Liberty Mutual — $5,444
  • GEICO — $5,527
  • Progressive — $6,251
  • Travelers — $6,274
  • State Farm — $8,518
  • Nationwide — $9,807
  • Allstate — $10,768
  • Farmers — $14,780

USAA and Libert Mutual are the cheapest here.

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

What if you get one speeding ticket?

  • USAA — $1,997
  • GEICO — $2,505
  • Liberty Mutual — $2,850
  • Progressive — $2,916
  • Travelers — $3,478
  • Allstate — $3,783
  • State Farm — $3,922
  • Nationwide — $4,435
  • Farmers — $5,213

Though your rates increase everywhere, your rates are lowest with USAA or GEICO on this list.

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

What if you cause an accident?

  • USAA — $2,713
  • GEICO — $3,118
  • Progressive — $3,442
  • Liberty Mutual — $3,604
  • Travelers — $3,854
  • State Farm — $4,030
  • Nationwide — $4,435
  • Allstate — $4,868
  • Farmers — $5,251

Once again, USAA and GEICO come in with the lowest rates.

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

One DUI can raise your rates a great deal.

  • Liberty Mutual — $3,253
  • GEICO — $3,912
  • Progressive — $4,004
  • USAA — $4,446
  • Travelers — $4,492
  • Farmers — $6,537
  • Nationwide — $7,508
  • State Farm — $7,610
  • Allstate — $7,639

Liberty Mutual and GEICO can provide the best rates if you have a DUI.

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.

What are the auto insurance rates for cities around 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 car 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 auto 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.