120+ more){kind=small}
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
){kind=small}
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
Menifee drivers pay an average of $144 per month for car insurance. Liability-only policies cost an average of $100 per month, and full coverage averages $187 per month.
Compared with the California average insurance rate of $150 per month, Menifee drivers pay slightly lower rates. They also pay less than drivers in nearby Irvine, where auto insurance averages $161 per month.
But Menifee drivers pay more than in neighboring Temecula. Rates in Temecula average $137 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 $63 per month for Menifee drivers.
USAA and GEICO 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 | $68 |
| GEICO | $68 |
| Sun Coast | $71 |
| Mercury | $72 |
| National General | $72 |
| Progressive | $74 |
| Dairyland | $81 |
| Direct Auto | $84 |
| Root | $86 |
| Anchor | $93 |
| Farmers | $93 |
| Bristol West | $101 |
| State Farm | $101 |
| Kemper Special | $102 |
| Travelers | $106 |
| Kemper Rsvp | $113 |
| 21st Century | $116 |
| Hugo | $147 |
| First Acceptance | $153 |
| Chubb | $180 |
Menifee drivers pay an average of $187 per month for full-coverage policies. Aspire General and Root have lower monthly rates, averaging $118 and $130, 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 | $123 |
| Root | $136 |
| GEICO | $142 |
| Mercury | $145 |
| Progressive | $148 |
| USAA | $150 |
| Kemper Special | $164 |
| Kemper Rsvp | $167 |
| Sun Coast | $172 |
| Anchor | $179 |
| National General | $200 |
| Dairyland | $203 |
| Direct Auto | $208 |
| Farmers | $213 |
| Bristol West | $221 |
| State Farm | $231 |
| Travelers | $242 |
| 21st Century | $264 |
| First Acceptance | $348 |
| Chubb | $411 |
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 $221 per month.
Menifee auto insurance costs are on par with nearby cities, like Hemet, where drivers pay an average of $137 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 |
|---|---|
| Lompoc | $108 |
| Ridgecrest | $109 |
| San Luis Obispo | $109 |
| Chico | $110 |
| Santa Cruz | $112 |
| Redding | $113 |
| Hanford | $114 |
| Santa Maria | $115 |
| Woodland | $115 |
| Tulare | $118 |
| Visalia | $118 |
| Palm Desert | $119 |
| Campbell | $121 |
| Poway | $121 |
| Santee | $121 |
| Santa Barbara | $123 |
| Hollister | $125 |
| La Quinta | $125 |
| La Mesa | $127 |
| Napa | $127 |
| Petaluma | $129 |
| Dublin | $130 |
| Santa Rosa | $130 |
| Cathedral City | $131 |
| Chula Vista | $131 |
| Vista | $131 |
| Novato | $132 |
| Pacifica | $132 |
| San Marcos | $132 |
| Bakersfield | $133 |
| Brentwood | $133 |
| Yuba City | $133 |
| Folsom | $134 |
| Fresno | $134 |
| Milpitas | $134 |
| Palm Springs | $134 |
| Beaumont | $135 |
| Oceanside | $135 |
| San Clemente | $135 |
| San Diego | $135 |
| Hemet | $137 |
| Lake Forest | $137 |
| Temecula | $137 |
| Fremont | $138 |
| Lodi | $138 |
| San Ramon | $138 |
| Concord | $139 |
| Oxnard | $139 |
| Camarillo | $140 |
| Cupertino | $140 |
| Escondido | $140 |
| San Jose | $140 |
| Saratoga | $140 |
| West Sacramento | $140 |
| Aliso Viejo | $141 |
| Palo Alto | $141 |
| Redlands | $141 |
| Ceres | $142 |
| Fairfield | $142 |
| San Mateo | $143 |
| El Cerrito | $144 |
| Menifee | $144 |
| Modesto | $144 |
| Roseville | $144 |
| Laguna Niguel | $145 |
| National City | $145 |
| Watsonville | $145 |
| Citrus Heights | $146 |
| Elk Grove | $146 |
| Santa Clara | $146 |
| El Cajon | $147 |
| Norco | $147 |
| Tracy | $147 |
| Colton | $148 |
| Wildomar | $148 |
| Murrieta | $149 |
| South San Francisco | $149 |
| Placentia | $150 |
| Stockton | $150 |
| Thousand Oaks | $151 |
| Antioch | $153 |
| Huntington Beach | $153 |
| Pittsburg | $153 |
| Vallejo | $153 |
| Corona | $154 |
| Lathrop | $154 |
| Orange | $154 |
| Riverside | $154 |
| Hayward | $155 |
| Moreno Valley | $155 |
| Berkeley | $156 |
| Chino | $156 |
| Perris | $156 |
| Brea | $157 |
| Cypress | $157 |
| San Leandro | $157 |
| Chino Hills | $158 |
| Newport Beach | $158 |
| La Mirada | $159 |
| Ontario | $159 |
| Santa Ana | $159 |
| Irvine | $161 |
| Rialto | $161 |
| Sacramento | $161 |
| San Bernardino | $161 |
| Fontana | $162 |
| Garden Grove | $162 |
| Fountain Valley | $164 |
| Hesperia | $164 |
| Azusa | $165 |
| Rancho Cucamonga | $165 |
| Victorville | $165 |
| Anaheim | $167 |
| Buena Park | $167 |
| Adelanto | $169 |
| San Pedro | $169 |
| La Puente | $170 |
| Simi Valley | $170 |
| Whittier | $170 |
| Norwalk | $171 |
| Pomona | $172 |
| San Francisco | $172 |
| Covina | $173 |
| Diamond Bar | $173 |
| Torrance | $174 |
| Long Beach | $175 |
| Oakland | $175 |
| Paramount | $175 |
| Carson | $178 |
| Richmond | $178 |
| Cerritos | $179 |
| Temple City | $179 |
| Walnut | $179 |
| Lancaster | $182 |
| Santa Clarita | $186 |
| Culver City | $187 |
| Pasadena | $188 |
| El Monte | $189 |
| Palmdale | $189 |
| Bell Gardens | $191 |
| San Gabriel | $195 |
| Lynwood | $204 |
| Compton | $206 |
| Santa Monica | $207 |
| Inglewood | $210 |
| Burbank | $221 |
| Studio City | $224 |
| Los Angeles | $230 |
| Winnetka | $242 |
| Reseda | $247 |
| Northridge | $250 |
| West Hollywood | $256 |
| Glendale | $276 |
| Beverly Hills | $279 |
Monthly car insurance rates in Menifee are slightly below the California average of $150, but on par with the national average of $143.
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 October 19, 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 October 19, 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 in Menifee 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 | $144 |
| Speeding ticket | $183 |
| At-fault accident | $185 |
| DUI | $197 |
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 $177 per month for liability insurance and $332 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 | $118 |
| Aspire General | $121 |
| GEICO | $121 |
| Sun Coast | $126 |
| Root | $127 |
| Mercury | $129 |
| Progressive | $131 |
| Dairyland | $137 |
| National General | $140 |
| Direct Auto | $161 |
| Bristol West | $175 |
| Anchor | $176 |
| Kemper Special | $181 |
| Farmers | $182 |
| State Farm | $192 |
| Kemper Rsvp | $200 |
| 21st Century | $202 |
| Travelers | $216 |
| Hugo | $261 |
| First Acceptance | $271 |
| Chubb | $360 |
Seniors represent 17.4% of Menifee’s population, according to U.S. Census data. Drivers 60 and older pay an average of $91 per month for liability coverage and $170 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 | $56 |
| National General | $58 |
| Mercury | $58 |
| Aspire General | $62 |
| Sun Coast | $64 |
| Progressive | $67 |
| Dairyland | $70 |
| Direct Auto | $70 |
| Farmers | $76 |
| Anchor | $76 |
| Root | $81 |
| State Farm | $81 |
| Bristol West | $86 |
| Travelers | $87 |
| Kemper Special | $93 |
| 21st Century | $94 |
| Kemper Rsvp | $102 |
| Hugo | $133 |
| First Acceptance | $139 |
| 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 $144 per month for car insurance. Liability-only coverage averages $100 per month, and full coverage costs an average of $187 per month.
Drivers in Menifee may find the most affordable car insurance through USAA and GEICO. 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
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
