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Hemet drivers pay an average of $176 per month for full-coverage car insurance and $87 per month for liability-only policies.
Rates in Hemet are slightly lower than the state average of $149 per month. Even so, the city has a high risk of wildfires and earthquakes.[1] [2] In addition, Hemet is located in a county that ranks among the top 20 nationwide for vehicle thefts, according to Insurify data.
In comparison, drivers in San Bernardino, a major city about 40 miles north of Hemet, pay an average of $155 per month. Rates in Menifee, which is about 16 miles west of Hemet, are slightly higher than Hemet’s, at an average of $138 per month.
In California, all drivers must have insurance coverage that meets the state’s minimum requirements. Policies must include at least $30,000 per person and $60,000 per accident in bodily injury liability coverage, and $15,000 in property damage liability coverage.[3]
On average, drivers in Hemet pay $87 per month for liability-only insurance, compared to the statewide average of $97.
The cheapest liability-only coverage is available through USAA, at an average of $58 per month.
The following table shows the insurers with the cheapest liability-only rates in Hemet.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $58 |
| Aspire General | $62 |
| GEICO | $62 |
| Sun Coast | $63 |
| Mercury | $65 |
| National General | $65 |
| Dairyland | $72 |
| Root | $77 |
| Direct Auto | $78 |
| Allstate | $80 |
| Farmers | $82 |
| Anchor | $85 |
| Bristol West | $89 |
| State Farm | $89 |
| Kemper Special | $93 |
| Travelers | $94 |
| 21st Century | $103 |
| Kemper Rsvp | $103 |
| First Acceptance | $137 |
| Chubb | $160 |
Liability policies average $87/mo.
On average, Hemet drivers pay $176 per month for full coverage. Although full-coverage insurance costs about twice as much as liability coverage in Hemet, it can be worth the expense for several reasons.
Hemet is at high risk of natural disasters, including wildfires and earthquakes. In fact, the city experienced a minor earthquake in July 2026.
The area also has a high vehicle theft rate. Hemet is located in Riverside County, which ranked No. 18 in vehicle thefts by volume in 2025, according to Insurify data.
A full-coverage policy, including comprehensive insurance, pays to repair or replace your vehicle if it’s stolen or damaged by a natural disaster.
The table below lists companies with the cheapest full-coverage rates in Hemet.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $108 |
| Root | $120 |
| Mercury | $125 |
| GEICO | $126 |
| USAA | $128 |
| Kemper Special | $141 |
| Kemper Rsvp | $144 |
| Sun Coast | $149 |
| Anchor | $158 |
| Dairyland | $170 |
| National General | $173 |
| Allstate | $177 |
| Farmers | $183 |
| Bristol West | $190 |
| Direct Auto | $190 |
| State Farm | $197 |
| Travelers | $208 |
| 21st Century | $226 |
| First Acceptance | $302 |
| Chubb | $351 |
Insurance rates in Hemet, California, are lower than the state average, due in part to the city’s smaller population. Even so, it faces a higher risk of wildfires and vehicle theft. Residents also have longer average commute times, according to the U.S. Census Bureau.
For comparison, Ridgecrest, about 150 miles north of Hemet, has some of the state’s lowest rates. Drivers in Ridgecrest pay an average of $107 per month.
On the other end of the spectrum is Glendale, about 90 minutes northwest of Hemet. At an average of $263 per month, its rates are among the highest in the state.
The table below lists average monthly insurance rates for various cities in California.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
*Quotes generated for Insurify users in and around Hemet, California within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Hemet, California within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Hemet has a fairly high rate of serious collisions and speed-related accidents, according to the California Office of Traffic Safety. Drivers with incidents on their records typically pay significantly higher car insurance premiums because insurers view them as having a higher risk of future accidents and claims.
These companies have the cheapest coverage for different driving records:
Cheapest car insurance for Hemet drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Hemet: USAA
Cheapest car insurance for Hemet drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Hemet: USAA
In Hemet, 3.1% of drivers have a ticket on their driving records, 0.60% have a driving under the influence (DUI) conviction, and 4.8% have been involved in an at-fault accident, according to Insurify data.
The Hemet Police Department recently received a grant from the California Office of Traffic Safety to reduce serious collisions, particularly those involving DUIs. The city is using the grant to provide DUI checkpoints and patrols, and to enforce speeding and distracted driving laws.[4]
The table below shows the average monthly rates in Hemet for different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $132 |
| Speeding ticket | $168 |
| At-fault accident | $169 |
| DUI | $180 |
Between 2019 and 2024, Hemet’s population increased by 8.9%, according to an economic intelligence report from the city. The county expects to add another half million residents within the next 25 years, and with a growing population comes increased road congestion.
To anticipate the growing demands and improve driving conditions, the Riverside County Transportation Commission instituted its Traffic Relief Plan in 2024.[5] As part of the plan, the county will improve freeway traffic flow on major highways, including Interstates 10, 15, and 215.
Goals also include improving existing road conditions and promoting the use of bus and rail transportation.
Despite its smaller population than neighboring cities, Hemet has a high accident rate. The city ranks high among 103 similar-sized cities in California for speed-related and injury accidents.[6]
With the $105,000 grant from the California Office of Traffic Safety, Hemet plans to increase DUI checkpoints and patrols. The grant will also support ongoing traffic enforcement programs to reduce serious injuries on the road.
Hemet has a much higher population density than the California average, leading to more traffic congestion. Drivers in Hemet also have longer commute times, averaging 36.4 minutes compared to the California average of 28.7 minutes, according to the U.S. Census Bureau.
The California Department of Transportation (Caltrans) is currently working on major improvements to State Road 74 (SR-74). With the SR-74 corridor improvement project, Caltrans will repave roads, install Traffic Management Systems, and enhance signage and striping on bike lanes.
The project covers 11.2 miles, from Winchester Road to Fairview Avenue. During construction, expect lane closures, detours, and signs advising of alternate routes.
Insurify partners with 120+ top insurers for real-time quotes
Hemet has a large teen population. About 23% of the population is younger than 18, according to the U.S. Census Bureau.
Hemet teens pay nearly double the average rate for liability coverage, with an average monthly premium of $155.
The cheapest insurer for teen drivers in Hemet is USAA. Policyholders pay a monthly average of $105.
The following table lists the cheapest liability-only insurance quotes for teens in Hemet.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $105 |
| Aspire General | $111 |
| GEICO | $111 |
| Sun Coast | $112 |
| Root | $114 |
| Mercury | $117 |
| Dairyland | $123 |
| National General | $127 |
| Direct Auto | $150 |
| Bristol West | $155 |
| Anchor | $161 |
| Farmers | $161 |
| Kemper Special | $166 |
| State Farm | $170 |
| 21st Century | $181 |
| Kemper Rsvp | $184 |
| Travelers | $192 |
| First Acceptance | $244 |
| Chubb | $323 |
Compared to the state average, Hemet has a larger percentage of residents aged 65 and older. In fact, nearly 22% of the population is in that age group, according to the U.S. Census Bureau. That percentage is consistent with Hemet’s reputation as a retirement community since the 1960s.[7]
Hemet seniors pay an average of $79 per month for liability insurance, which is below the state average.
Senior drivers in Hemet (and across California) can qualify for a mature driver discount by completing an approved driving course. This discount can lower premiums for up to three years.
Check out the table below to see the companies with the cheapest car insurance quotes for senior drivers in Hemet.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $48 |
| GEICO | $51 |
| National General | $53 |
| Mercury | $53 |
| Aspire General | $56 |
| Sun Coast | $57 |
| Dairyland | $63 |
| Direct Auto | $66 |
| Farmers | $67 |
| Anchor | $70 |
| State Farm | $72 |
| Root | $73 |
| Bristol West | $76 |
| Travelers | $77 |
| 21st Century | $83 |
| Kemper Special | $84 |
| Kemper Rsvp | $94 |
| Chubb | $124 |
| First Acceptance | $124 |
Answers to the following frequently asked questions can help you find the best car insurance in Hemet.
If your focus is on cost, the cheapest car insurance company in Hemet is USAA. Policyholders pay a monthly average of $58 for liability insurance.
No one car insurance company is best for every driver in Hemet. But companies with the cheapest liability coverage include USAA and Aspire General.
The best way to get cheap car insurance in Hemet is to request free quotes from several insurance companies and compare rates. You can also increase your deductibles and ask your insurance agent about discounts.
Many companies offer multi-policy discounts when you bundle auto coverage with homeowners insurance, renters insurance, business insurance, or life insurance. Most companies also offer good student and defensive driving discounts.
J.D. Power gives Allstate, GEICO, and Progressive, among others, above-average customer satisfaction ratings in California.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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