Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Moreno Valley, CA are $325/month
  • The cheapest car insurance company in Moreno Valley for teen drivers is USAA
  • The cheapest car insurance company in Moreno Valley after a DUI is Liberty Mutual

Average car insurance rates in Moreno Valley, California are $325 a month. But with a little research you can get a great deal from the top car insurance companies in Moreno Valley, CA. Before you buy Moreno Valley, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Moreno Valley car insurance rates with Fresno car insurance rates, Bakersfield car insurance rates, or Sacramento car insurance rates to make sure you’re getting the best Moreno Valley, CA car insurance quotes available.

Need affordable Moreno Valley, CA car insurance? Enter your ZIP code to compare Moreno Valley car insurance quotes from multiple car insurance companies near you.

Moreno Valley, CA Minimum Car Insurance Coverage

Moreno Valley, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Moreno Valley, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Moreno Valley, CA Car Insurance Rates by Coverage Level

Some Moreno Valley drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Moreno Valley, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Moreno Valley, California

Insurance Company Low Medium High
Allstate $4,541 $4,832 $5,002
Farmers $4,845 $5,256 $5,543
GEICO $2,591 $2,924 $3,151
Liberty Mutual $2,884 $3,125 $3,287
Nationwide $4,436 $5,044 $5,396
Progressive $2,783 $3,186 $3,321
State Farm $4,273 $4,815 $5,118
Travelers $3,120 $3,635 $3,883
USAA $2,491 $2,798 $2,946

Moreno Valley, CA Car Insurance Rates by Age, Gender, and Marital Status

Moreno Valley, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Moreno Valley, CA car insurance, get quotes from multiple car insurance companies in the Moreno Valley area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Moreno Valley, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,082 $3,087 $2,238 $2,266 $8,554 $10,768 $3,965 $4,372
Farmers $2,836 $2,836 $2,562 $2,562 $9,038 $14,780 $3,360 $3,742
GEICO $1,790 $1,791 $1,684 $1,684 $5,438 $5,527 $2,570 $2,626
Liberty Mutual $2,357 $2,231 $2,186 $2,118 $5,115 $5,444 $2,658 $2,683
Nationwide $3,484 $3,324 $3,053 $2,876 $8,875 $9,807 $4,152 $4,099
Progressive $1,937 $1,995 $1,644 $1,955 $5,174 $6,251 $2,802 $3,016
State Farm $3,727 $3,727 $3,331 $3,331 $6,869 $8,518 $4,126 $4,255
Travelers $2,638 $2,556 $2,328 $2,302 $5,451 $6,274 $3,448 $3,372
USAA $1,967 $1,862 $1,920 $1,928 $4,482 $4,505 $2,722 $2,572

Moreno Valley, CA Car Insurance Rates for Teens

How much is Moreno Valley, California car insurance for teens? Compare rates from top Moreno Valley car insurance companies below to help find the cheapest teen car insurance in Moreno Valley, CA.

Annual Car Insurance Rates for Teen Drivers in Moreno Valley, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,554 $10,768
Farmers $9,038 $14,780
GEICO $5,438 $5,527
Liberty Mutual $5,115 $5,444
Nationwide $8,875 $9,807
Progressive $5,174 $6,251
State Farm $6,869 $8,518
Travelers $5,451 $6,274
USAA $4,482 $4,505

Moreno Valley, CA Car Insurance Rates for Seniors

Before seniors buy Moreno Valley, California car insurance, they should make sure to shop around. Some Moreno Valley, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Moreno Valley, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,238 $2,266
Farmers $2,562 $2,562
GEICO $1,684 $1,684
Liberty Mutual $2,186 $2,118
Nationwide $3,053 $2,876
Progressive $1,644 $1,955
State Farm $3,331 $3,331
Travelers $2,328 $2,302
USAA $1,920 $1,928

Moreno Valley, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Moreno Valley, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Moreno Valley.

Annual Moreno Valley, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,878 $4,868 $7,639 $3,783
Farmers $3,857 $5,251 $6,537 $5,213
GEICO $2,019 $3,118 $3,912 $2,505
Liberty Mutual $2,689 $3,604 $3,253 $2,850
Nationwide $3,458 $4,435 $7,508 $4,435
Progressive $2,024 $3,442 $4,004 $2,916
State Farm $3,379 $4,030 $7,610 $3,922
Travelers $2,359 $3,854 $4,492 $3,478
USAA $1,823 $2,713 $4,446 $1,997

Moreno Valley, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Moreno Valley, CA car insurance rates. Compare rates below to see which Moreno Valley car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Moreno Valley, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,639
Farmers $6,537
GEICO $3,912
Liberty Mutual $3,253
Nationwide $7,508
Progressive $4,004
State Farm $7,610
Travelers $4,492
USAA $4,446

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Moreno Valley, CA Car Insurance Rates by ZIP Code

Just like Moreno Valley car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Moreno Valley, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Moreno Valley, California

ZIP Code Average Annual Rates
92551 $5,331
92553 $5,401
92555 $5,296
92557 $5,285

Moreno Valley, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Moreno Valley, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Moreno Valley companies based on commute time.

Annual Car Insurance Rates by Commute Length in Moreno Valley, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,320 $5,263
Farmers $4,731 $5,698
GEICO $2,624 $3,153
Liberty Mutual $2,844 $3,354
Nationwide $4,375 $5,542
Progressive $2,811 $3,383
State Farm $4,564 $4,907
Travelers $3,186 $3,906
USAA $2,529 $2,961

Moreno Valley, CA Cheapest Car Insurance Rates

How do the top Moreno Valley, California car insurance companies’ average rates stack up against the Moreno Valley average monthly car insurance rates of $325? Take a look and see.

Best Annual Car Insurance Rates by Company in Moreno Valley, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Moreno Valley, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Moreno Valley, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Moreno Valley, California

Insurance Company Average Annual Rates
Allstate $4,792
Farmers $5,215
GEICO $2,889
Liberty Mutual $3,099
Nationwide $4,959
Progressive $3,097
State Farm $4,735
Travelers $3,546
USAA $2,745

Other Factors Affecting Moreno Valley, CA Car Insurance Rates

Before you buy Moreno Valley, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Moreno Valley, CA Car Theft Rates

The car theft rate in Moreno Valley, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Moreno Valley, California is 1,206 stolen cars.

Moreno Valley, CA Commute Time

How does your Moreno Valley, CA commute time compare with the average driver? In Moreno Valley, the average commute is 35.6 minutes.

Moreno Valley, CA Car Insurance Quotes

Compare Moreno Valley, CA car insurance quotes from multiple companies by entering your ZIP code now.