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Updated
Menifee drivers pay an average of $138 per month for car insurance. Liability-only policies cost an average of $94 per month, and full coverage averages $182 per month.
Compared with the California average insurance rate of $149 per month, Menifee drivers pay slightly lower rates. They also pay less than drivers in nearby Irvine, where auto insurance averages $153 per month.
But Menifee drivers pay more than in neighboring Temecula. Rates in Temecula average $128 per month.
Menifee is located in Riverside County, which ranks among the top 20 counties nationwide for vehicle thefts by volume, according to Insurify data. High car theft rates, combined with an average commute time of more than 41 minutes, may contribute to the city’s higher car insurance costs.
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Drivers in Menifee, like all California motorists, need to carry a minimum level of car insurance. This includes at least $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability per accident.[1]
After an at-fault accident, this minimum amount of liability coverage can help pay for the other driver’s medical bills and vehicle repairs. On average, state-mandated coverage costs $61 per month for Menifee drivers.
USAA and Aspire General have the lowest average liability-only rates in Menifee.
The following table shows the companies with the cheapest liability-only car insurance rates in California.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $66 |
| Aspire General | $70 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Direct Auto | $86 |
| Root | $88 |
| Farmers | $93 |
| Anchor | $95 |
| State Farm | $101 |
| Bristol West | $102 |
| Kemper Special | $103 |
| Travelers | $106 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $180 |
Menifee drivers pay an average of $182 per month for full-coverage policies. Aspire General and Root have lower monthly rates, averaging $113 and $125, respectively.
Full coverage, which includes comprehensive and collision, pays for car repairs after an accident. It also pays to replace your car if it’s stolen. Depending on your vehicle’s value, a full-coverage policy may be worth the extra expense, especially since Riverside County has one of the highest vehicle theft totals in the country, according to National Insurance Crime Bureau (NICB) data.
The table below lists the cheapest rates for full-coverage car insurance in California.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $122 |
| Root | $134 |
| GEICO | $140 |
| Mercury | $141 |
| USAA | $146 |
| Kemper Special | $159 |
| Kemper Rsvp | $163 |
| Sun Coast | $168 |
| Anchor | $177 |
| Dairyland | $196 |
| National General | $196 |
| Farmers | $207 |
| Direct Auto | $209 |
| Bristol West | $215 |
| State Farm | $224 |
| Travelers | $235 |
| 21st Century | $256 |
| First Acceptance | $340 |
| Chubb | $399 |
Compared with other California cities, rates in Menifee are slightly higher. But Menifee doesn’t have the highest rates in the state. For example, drivers in Burbank pay an average of $212 per month.
Menifee auto insurance costs are on par with nearby cities, like Hemet, where drivers pay an average of $132 per month. Long commute times and heavy traffic along Interstate 215 likely contribute to Menifee’s insurance costs.
Explore average monthly car insurance costs across California cities in the table below.
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 |
| Hemet | $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 |
Monthly car insurance rates in Menifee are slightly below the California average of $149, but on par with the national average of $142.
As the second-fastest-growing city in Riverside County, according to the Menifee city website, traffic congestion has increased significantly over the past 10 years. More traffic contributes to higher insurance rates, as does the area’s elevated risk of car theft.
*Quotes generated for Insurify users in and around Menifee, 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 Menifee, 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.
Auto insurance companies look at several factors when determining premiums, including your driving record. Menifee drivers with clean driving records typically pay less for coverage than those with traffic violations.
Here’s a look at the cheapest car insurance companies for liability coverage by driving record, according to Insurify data.
Cheapest car insurance for Menifee drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Menifee: USAA
Cheapest car insurance for Menifee drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Menifee: USAA
As an at-fault state, California requires drivers who cause an accident to pay for the other driver’s medical bills and car repairs. After an at-fault accident, drivers typically face higher car insurance premiums.
Other infractions, such as a speeding ticket or a driving under the influence (DUI) conviction, may also lead to higher insurance costs.
The following table shows average monthly insurance costs in Menifee by driving record, according to Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $138 |
| Speeding ticket | $175 |
| At-fault accident | $177 |
| DUI | $188 |
Menifee is one of the fastest-growing cities in Riverside County. As a result, traffic congestion in the area is projected to increase. I-215 is a major highway running through Menifee, connecting several Riverside County communities. Due to the city’s rapid growth, more than $100 million in traffic-related projects are planned over the next several years.[2]
With ongoing construction along Bradley Road and street improvements along Briggs Road between Matthews Road and Highway 74, drivers can expect delays and heavy congestion on their commutes. To minimize time stuck in traffic, look for alternative routes.
Although the state of California requires drivers to carry liability insurance, many drivers ignore that mandate. More than 20% of California drivers are uninsured, according to the Insurance Research Council.
A policy with uninsured motorist coverage provides financial protection if an uninsured driver causes an accident.
On average, Menifee drivers spend 41.5 minutes commuting each way.[3] In addition to the traffic that backs up on I-215, other major roads, like Newport and Bradley Road, see frequent congestion.
But it’s not just commuters clogging up the roads. Because I-215 is a popular shipping route, big trucks barrel through the area.
Heavy traffic and longer commute times increase the likelihood of claims, which is reflected in Menifee’s average car insurance rates.
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In California, teen drivers can get a learner’s permit at age 15 and a half after completing a driver education class. After a six-month waiting period and 50 hours of supervised driving with a licensed adult, 16-year-olds can obtain a provisional license.[4]
Because of their limited experience behind the wheel, young drivers pay the highest average insurance rates. Menifee teens pay an average of $168 per month for liability insurance and $325 for full coverage.
The following table shows average liability premiums from the cheapest auto insurers for teen drivers in California.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $119 |
| Aspire General | $125 |
| GEICO | $125 |
| Sun Coast | $127 |
| Root | $131 |
| Mercury | $131 |
| Dairyland | $139 |
| National General | $143 |
| Direct Auto | $166 |
| Bristol West | $178 |
| Anchor | $180 |
| Farmers | $183 |
| Kemper Special | $184 |
| State Farm | $193 |
| 21st Century | $202 |
| Kemper Rsvp | $205 |
| Travelers | $217 |
| First Acceptance | $275 |
| Chubb | $363 |
Seniors represent 17.4% of Menifee’s population, according to U.S. Census data. Drivers 60 and older pay an average of $85 per month for liability coverage and $165 for full coverage in Menifee.
Older drivers pay the lowest average car insurance rates. This is because they often drive less and are likely to be more courteous on the road.
California seniors who complete a state-approved mature driving program can also qualify for lower insurance premiums.
See the table below to find companies with the cheapest liability auto insurance rates for senior drivers in California.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $55 |
| GEICO | $57 |
| National General | $59 |
| Mercury | $59 |
| Aspire General | $64 |
| Sun Coast | $64 |
| Dairyland | $70 |
| Direct Auto | $72 |
| Farmers | $76 |
| Anchor | $78 |
| State Farm | $82 |
| Root | $83 |
| Travelers | $87 |
| Bristol West | $87 |
| 21st Century | $93 |
| Kemper Special | $94 |
| Kemper Rsvp | $104 |
| First Acceptance | $140 |
| Chubb | $140 |
For more information about how to find the best car insurance in Menifee, check out the answers to frequently asked questions below.
On average, Menifee drivers pay $138 per month for car insurance. Liability-only coverage averages $94 per month, and full coverage costs an average of $182 per month.
Bundling your car insurance with other insurance products, such as homeowners insurance, renters insurance, or business insurance, is one way to save money. You can also ask your insurance agent which discounts you qualify for.
Drivers in Menifee may find the most affordable car insurance through USAA and Aspire General. But the best car insurer for you varies based on your situation. For example, you might have different insurance needs if you drive a pickup truck, Honda Accord, Toyota Corolla, Toyota Prius, or Nissan Leaf than if you drive a Porsche 911 or Ford Mustang Mach-E.
California law operates under an at-fault system. If you cause an accident, you’re financially responsible for the other driver’s medical expenses and car repairs.
High car theft rates in Riverside County and long average commute times likely contribute to Menifee’s car insurance costs. Additionally, California’s high rate of uninsured drivers — more than 20%, according to the Insurance Information Institute — affects car insurance rates statewide.
California requires drivers to carry a minimum of $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability per accident. State-minimum coverage may not be enough, and insurance experts often recommend buying higher liability limits for better financial protection.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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