Cheapest Auto Insurance in Moreno Valley, California (2025)

Life in Moreno Valley comes with perks, including affordable car insurance. The overall average cost of car insurance in this California city is $1,914 per year, which comes out to $160 per month. To find the cheapest coverage in the state, you should compare quotes from multiple insurers at once.

Drivers in the city pay lower monthly rates than California’s state average of $150 and the national average of $143. The city’s lower population density and fewer accidents help make auto insurance affordable there.

Here’s what you need to know about finding cheap car insurance in Moreno Valley.

Cheapest car insurance companies in Moreno Valley

The cost of car insurance in Moreno Valley will vary by auto insurer and personal factors, like your driving record, age, vehicle type, and more. Policies aren’t one-size-fits-all, and the best company for you depends on your unique circumstances. It’s all about matching your needs with the right insurer.

Start your search for quality coverage in Moreno Valley below. The quotes reflect average rates in California, but each company has cheap average rates in Moreno Valley as well.

Best insurer for cheap rates: Clearcover

Best insurer for commuters: Mercury

Best insurer for college students: Mile Auto

How to get the cheapest car insurance in Moreno Valley

Getting cheap car insurance in Moreno Valley is all about understanding what affects your rates. Auto insurance companies consider several factors to decide how much you’ll pay. This includes your age, car type, and how often you drive.

Follow these tips for finding affordable coverage:

• Drive safely. Avoid tickets and accidents. A clean driving record can get you better rates.

• Bundle policies. Combine car insurance with other types of coverage, like home insurance. Many companies offer bundling discounts.

• Shop around. Your first quote shouldn’t be your last. Check different companies to find the best deal.

• Ask for discounts. Some insurers offer discounts for things like good grades or paying your policy in full. Always ask to see how you might save.

Cheapest liability-only car insurance in Moreno Valley: USAA

Liability car insurance covers the other driver’s medical expenses and vehicle repair costs if you cause an accident. It doesn’t cover your car’s damages.5 In Moreno Valley, USAA stands out as the most wallet-friendly option, with an average of $83 per month for liability car insurance.

Below, the table shows various MoVal insurers and the average quotes for liability-only coverage.

Cheapest full-coverage car insurance in Moreno Valley: Anchor

In addition to liability protection, full-coverage car insurance pays to repair or replace your vehicle after an accident. It’s a good way to provide more vehicle protection if you have a new car or if you financed or leased your car. Full-coverage insurance includes liability, collision, and comprehensive coverages, though you can always add more insurance endorsements.

A number of auto insurance companies in Moreno Valley provide cheap full coverage. See the table below to compare quotes from area insurers.

Car insurance requirements in California

The state of California operates using a fault-based system. If you cause a crash, you must cover the other party’s damages and the injured person can take you to court. The state requires drivers to maintain proof of financial responsibility for car accidents.

State lawmakers approved an increase in coverage limits, which will take effect on Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all Moreno Valley drivers need to carry:6

The California Department of Insurance recommends getting more coverage than the minimum amount the law requires. Here are some common extra options to consider:

California’s Low Cost Auto Insurance

California’s Low Cost Auto Insurance (CLCA) is a special program for drivers who might struggle to afford coverage. Annual premiums for CLCA coverage generally range from $244 to $966, though it varies by county. To qualify, your vehicle can’t be worth more than $25,000, and you must meet income limits.

If you think this program is right for you, you can either apply online or meet with a local agent who can guide you through the application process. Keep in mind that a CLCA policy meets legal requirements, but coverage limits are below the DMV’s standard amounts. Additionally, while the program can have the best price, it doesn’t offer comprehensive or collision coverage.7

Cheapest car insurance for drivers with an incident

Car incidents refer to traffic violations, including at-fault accidents, speeding tickets, and DUIs. In 2020, Moreno Valley had 114 crashes related to speeding and 276 people with DUI charges.

Incidents like these make insurance companies see you as a higher risk. When insurers think you’re more likely to have an incident, they charge you more. That’s why people with incidents on their driving record usually pay higher rates.

On average, drivers in the city with a past incident pay $181 per month for auto coverage. How much you pay for coverage following an incident will also depend on the severity and frequency of your driving violations.

Cheapest car insurance for drivers with a speeding ticket: USAA

Speeding tickets can result in an initial fine, as well as higher car insurance rates. Insurance companies see speeding as risky behavior and might think you’re more likely to have an accident. Moreno Valley drivers with a past speeding ticket pay an average of $194 per month for car insurance.

Below, you’ll find a table comparing insurance costs for Moreno Valley drivers with a clean record to drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: USAA

Having an at-fault accident on your record can be challenging. It shows insurance companies that you’ve made mistakes on the road, leading them to believe you might make another one. This can lead to higher insurance rates, but car crashes stay on your record for only three years in California.

To get an idea of how much more drivers pay after an accident, look at the table below. The average cost of car insurance for a MoVal driver with a past accident is $185 per month.

Cheapest car insurance for drivers with a DUI: USAA

Driving under the influence is a serious violation. It’s a red flag to insurance companies, and they can label you as a risky driver and charge you much higher auto insurance premiums. As of 2007, California drivers with a DUI will have it on their record for 10 years, so it will affect your car insurance bill for a while.

The overall cost of car insurance for a driver with a past DUI is $258. The table below shows a side-by-side comparison of average insurance quotes for drivers with no incidents and drivers with a DUI.

Cheapest car insurance for seniors: USAA

Car insurance costs can change with age. Around age 35, premiums often begin to decrease, as drivers have more experience. But rates tend to increase again around age 70. Older drivers are more vulnerable on the road, and people older than 70 are more likely to face injury or death in an accident.

On average, senior drivers pay $143 per month for car insurance. Below is a table comparing liability-only and full-coverage quotes for senior drivers.

Cheapest car insurance for teens: USAA

Teen drivers pay much more for auto insurance than adults. They’re new to driving and more likely to have accidents. However, younger drivers can lower the cost of coverage with a few simple tactics. Joining a parent’s insurance policy is a good idea to lower costs, as well as picking a safe car and earning good grades for discounts.

Consider the table below to compare the cost of liability-only and full-coverage insurance for teen drivers in Moreno Valley. The overall average cost of coverage for teens in Moreno Valley is $306 per month.

Is car insurance more expensive in Moreno Valley?

Car insurance isn’t that pricey in Moreno Valley. The monthly cost is $160, which is much cheaper than the national average of $143. Within the state of California, rates vary by city. Each ZIP code has different factors, like traffic, accidents, and crime, that affect prices. For example, Los Angeles drivers pay more for coverage than Oakland residents.

More cities in California

Residents living in other California cities face different rates than Moreno Valley drivers. In MoVal, the average premium of $160 is less than the state average of $150.

See how other cities stack up against Moreno Valley in the table below.

Moreno Valley car insurance FAQs