Cheapest Auto Insurance in Moreno Valley, California (2025)
USAA has the cheapest car insurance in Moreno Valley, with liability rates starting at $82 per month.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byKatie Powers
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Licensed auto and home insurance agent
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Table of contents
Life in Moreno Valley comes with perks, including affordable car insurance. The overall average cost of car insurance in this California city is $1,805 per year, which comes out to $150 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 $148 and the national average of $140. 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.
Quick Facts
USAA, National General, and Sun Coast have the cheapest rates in the state.
Moreno Valley drivers pay $96 per month for liability coverage and $205 for full-coverage insurance, on average.
California’s Low Cost Auto Insurance can help lower-income drivers afford auto coverage.
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.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Clearcover | 7.1 | $185 | $106 | Cheap rates |
| Mercury | 7.5 | $198 | $104 | Commuters |
| Mile Auto | 8.8 | $108 | $63 | College students |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Clearcover
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $143/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $197/mo |
3.7
A solid optionBased on 59 verified guest reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (38)
Jerry
Verified Review
They helped me with some relief in getting reliable car insurance coverage
Reviewed in Missouri on June 2025
Very good at helping get some insurance.
Mohammad
Verified Review
Price Increase for My Two Old Cars
Reviewed in Georgia on April 2025
The price for insuring my two old cars increased by 100%.
Ray
Verified Review
All Good
Reviewed in Maryland on December 2024
Everything is good, no problems.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.36A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Clearcover has the cheapest average liability coverage in Moreno Valley. The company’s digital-first approach is especially beneficial for drivers who prefer quick online access without the need to visit a physical office. Clearcover offers several discount opportunities, including for military members.
Pros
Mobile app for policy management
Rideshare coverage available
Cons
Doesn’t offer SR-22 coverage
No homeowners or renters insurance
Best insurer for commuters: Mercury
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $105/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $201/mo |
4.0
Best choiceBased on 572 verified guest reviews and ratings
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
Reviews (300)
George
Verified Review
Very upset with new Mercury only CA DL requirement
Reviewed in California on October 2025
We're Canadian snowbirds just trying to continue using our winter home in Indio, CA. This is becoming increasingly difficult with the recent 100%+ increases in home insurance costs and your company's recent change in requirements such that we now have to get a CA driver's license to renew the policy on the vehicle we use while we're there. I find this very absurd and upsetting because it's not a CA state requirement, so why, after years of loyalty, should I now be forced to go through the cost and hassle to get a CA driver's license when my BC driver's license was sufficient in all the years prior? I'd like to stay loyal to your company, but none of your competitors have this requirement, so please explain why only Mercury Insurance?
Al
Verified Review
Auto Insurance is a rip-off, until you need them.
Reviewed in California on October 2025
Looking at costs, get the insurance you are comfortable with. They all seem alike these days. I don't know about their customer service. I haven't had any claims with Mercury. They used to be lower than others, but have become competitive, which is to say, the same as others. I used to have AAA Insurance. They had great customer service.
Marvin
Verified Review
Mercury Review
Reviewed in California on September 2025
I had a small fender bender that cost $700.00 to fix. I was required to take it to a repair shop that treated me like I didn't matter. The Mercury representative did nothing to resolve the problem, and I ended up paying out of my own pocket to have it fixed.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
596NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
In Moreno Valley, 86% of workers leave the city for work.[1] The average commute time for residents is about 36 minutes.[2] If you’re frequently on the road, check out Mercury car insurance for quality full-coverage insurance. The company has two local insurance agent offices, an easy claims process, guaranteed repairs, and rental car coverage.
Pros
Around-the-clock roadside help
Bundle home and auto coverage for savings
Cons
Limited coverage customization
Low customer satisfaction score in J.D. Power 2023 U.S. Auto Insurance Study
Best insurer for college students: Mile Auto
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
4.5
Best choiceBased on 160 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (54)
Richard
Verified Review
Adequate
Reviewed in Georgia on October 2025
If you don't drive a lot, then it's the best I've found in regards to cost. However, they raised the base price without informing me.
Sandra
Verified Review
Mile Auto is great, but they need to inform you of the upfront fee, that is every six months.
Reviewed in Oregon on October 2025
Good experience in the beginning. However, when the new policy for the next 6 months started, they didn't inform me that there would be a $129.00 upfront fee, in addition to my monthly payment. I initially thought my policy fee had increased.
Lionel
Verified Review
Poor
Reviewed in Colorado on October 2025
I recently filled out an insurance application and was quoted $64 a month, but I was charged a different rate of $138 a month. That's not what I signed up for. I provided my card number and everything, but I don't want you to withdraw money from my account. I want to cancel because I'm not going to pay $138 a month. I can get cheaper insurance elsewhere. Please cancel my order. I can't get a hold of you; I don't know the phone number, and when I call, it goes to different places. I do not want insurance for $138 a month when I was quoted $64. I think that's misleading. Please stop this. It's not right to change quotes, especially for senior citizens. Thank you.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
If you’re a college student living on campus in Moreno Valley, you might not use your car frequently. Mile Auto’s pay-per-mile model ensures you only pay for the miles you drive, making it a cost-effective choice. Online policy management is another perk for on-the-go college students.
Pros
No car tracking device offers more privacy
Pick your repair shop
Cons
Limited coverage options and no discounts
Monthly odometer photo needed
Find Cheap Car Insurance in Moreno Valley, California
Liability coverage starts at $82 per month
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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.[3] In Moreno Valley, USAA stands out as the most wallet-friendly option, with an average of $82 per month for liability car insurance.
Below, the table shows various MoVal insurers and the average quotes for liability-only coverage.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $82 |
| National General | $91 |
| Sun Coast | $95 |
| Dairyland | $97 |
| Root | $103 |
| Mercury | $105 |
| Allstate | $114 |
| Farmers | $118 |
| GEICO | $119 |
| Direct Auto | $119 |
| Anchor | $120 |
| Bristol West | $125 |
| State Farm | $127 |
| Travelers | $133 |
| 21st Century | $145 |
| Nationwide | $178 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Moreno Valley: USAA
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.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $189 |
| Root | $191 |
| Anchor | $193 |
| Mercury | $201 |
| GEICO | $210 |
| Sun Coast | $240 |
| Allstate | $260 |
| National General | $263 |
| Farmers | $268 |
| State Farm | $290 |
| Bristol West | $293 |
| Travelers | $304 |
| Direct Auto | $315 |
| 21st Century | $331 |
| Dairyland | $340 |
| Nationwide | $408 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Moreno Valley, California
Drivers in and around Moreno Valley, California have found policies from Aspire General, Kemper RSVP, Farmers, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Moreno Valley, California within the last 10 days. Last updated on October 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Moreno Valley, California within the last 10 days. Last updated on October 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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:[4]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
The California Department of Insurance recommends getting more coverage than the minimum amount the law requires. Here are some common extra options to consider:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage helps if a driver without enough insurance hits your vehicle. Insurance companies must offer this, but it’s your choice to buy it.
Medical payments coverage
Medical payments coverage pays for medical bills for you and your passengers, no matter who caused the crash.
Collision coverage
Collision insurance helps if you hit another car or object, like a guardrail.
Comprehensive coverage
Comprehensive insurance covers non-crash damages from theft, fire, falling objects, and more.
Towing and roadside coverage
Towing and road service steps in if your car breaks down or has a flat tire.
Rental reimbursement coverage
Rental reimbursement helps pay for a rental car while yours is in the shop after a covered accident.
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.[5]
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 $170 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.
Shop for Car Insurance in Moreno Valley, CA
Monthly rates start at $97 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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 $183 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.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $82 | $103 |
| National General | $91 | $112 |
| Sun Coast | $95 | $116 |
| Dairyland | $97 | $119 |
| Root | $103 | $134 |
| Mercury | $105 | $145 |
| Allstate | $114 | $143 |
| Farmers | $118 | $147 |
| GEICO | $119 | $152 |
| Direct Auto | $119 | $147 |
| Anchor | $120 | $146 |
| Bristol West | $125 | $154 |
| State Farm | $127 | $156 |
| Travelers | $133 | $167 |
| 21st Century | $145 | $185 |
| Nationwide | $178 | $224 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $176 per month.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $82 | $101 |
| National General | $91 | $113 |
| Sun Coast | $95 | $111 |
| Dairyland | $97 | $120 |
| Root | $103 | $125 |
| Mercury | $105 | $146 |
| Allstate | $114 | $140 |
| Farmers | $118 | $146 |
| GEICO | $119 | $141 |
| Direct Auto | $119 | $152 |
| Anchor | $120 | $147 |
| Bristol West | $125 | $154 |
| State Farm | $127 | $155 |
| Travelers | $133 | $165 |
| 21st Century | $145 | $182 |
| Nationwide | $178 | $221 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $184. The table below shows a side-by-side comparison of average insurance quotes for drivers with no incidents and drivers with a DUI.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $82 | $110 |
| National General | $91 | $122 |
| Sun Coast | $95 | $116 |
| Dairyland | $97 | $130 |
| Root | $103 | $135 |
| Mercury | $105 | $147 |
| Allstate | $114 | $153 |
| Farmers | $118 | $158 |
| GEICO | $119 | $154 |
| Direct Auto | $119 | $159 |
| Anchor | $120 | $166 |
| Bristol West | $125 | $167 |
| State Farm | $127 | $170 |
| Travelers | $133 | $178 |
| 21st Century | $145 | $194 |
| Nationwide | $178 | $238 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $134 per month for car insurance. Below is a table comparing liability-only and full-coverage quotes for senior drivers.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $68 | $157 |
| National General | $73 | $211 |
| Dairyland | $81 | $285 |
| Sun Coast | $85 | $214 |
| Mercury | $88 | $168 |
| Root | $89 | $164 |
| Allstate | $95 | $217 |
| Farmers | $96 | $218 |
| GEICO | $97 | $171 |
| Direct Auto | $98 | $259 |
| Anchor | $101 | $163 |
| State Farm | $102 | $234 |
| Bristol West | $106 | $248 |
| Travelers | $109 | $248 |
| 21st Century | $116 | $266 |
| Nationwide | $140 | $320 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $282 per month.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $153 | $353 |
| Dairyland | $164 | $574 |
| Sun Coast | $178 | $450 |
| Root | $182 | $338 |
| National General | $187 | $541 |
| Mercury | $200 | $382 |
| Anchor | $212 | $342 |
| GEICO | $218 | $384 |
| Bristol West | $227 | $532 |
| Allstate | $228 | $519 |
| Farmers | $233 | $529 |
| Direct Auto | $237 | $627 |
| State Farm | $247 | $564 |
| 21st Century | $267 | $610 |
| Travelers | $274 | $626 |
| Nationwide | $351 | $805 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Moreno Valley?
Car insurance isn’t that pricey in Moreno Valley. The monthly cost is $150, which is much cheaper than the national average of $140. 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 $150 is less than the state average of $148.
See how other cities stack up against Moreno Valley in the table below.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Anaheim | $105 | $208 |
| Bakersfield | $82 | $186 |
| Berkeley | $100 | $237 |
| Chula Vista | $80 | $173 |
| Elk Grove | $98 | $202 |
| Fremont | $88 | $209 |
| Fresno | $84 | $182 |
| Glendale | $185 | $383 |
| Long Beach | $116 | $241 |
| Los Angeles | $158 | $311 |
| Modesto | $95 | $203 |
| Oakland | $102 | $242 |
| Oxnard | $82 | $194 |
| Riverside | $95 | $201 |
| Sacramento | $104 | $215 |
| Santa Ana | $97 | $207 |
| San Bernardino | $100 | $217 |
| San Diego | $84 | $179 |
| San Francisco | $107 | $258 |
| San Jose | $89 | $197 |
| Santa Maria | $69 | $162 |
| Stockton | $90 | $212 |
| Temecula | $89 | $179 |
| Victorville | $100 | $214 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Moreno Valley car insurance FAQs
Before you start shopping around for car insurance, you should determine the right amount of auto coverage for your needs. The information below should help answer any of your remaining questions about buying cheap car insurance in Moreno Valley.
How much is car insurance in Moreno Valley?
The overall cost of car insurance in Moreno Valley is $150 per month. On average, MoVal drivers pay $96 per month for liability coverage and $205 for full-coverage insurance.
Who has the cheapest car insurance in Moreno Valley?
With liability coverage rates of $82 per month, USAA is the cheapest car insurance company in Moreno Valley. National General and Sun Coast also offer cheap coverage, with respective rates of $91 and $95 per month. The best way to find affordable coverage is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Moreno Valley?
With cheap average rates, a solid Insurify Quality (IQ) Score of 7.5 out of 5, and a high mobile app rating, Mercury is one of the best car insurance companies in Moreno Valley. On average, Mercury drivers living in California pay $104 per month for liability coverage and $198 for full coverage. Other top insurers include Clearcover, Mile Auto, and State Farm.
Can your credit score affect your car insurance rates in California?
No. California insurance companies can’t consider your credit-based insurance scores or credit history when determining insurance policies or deciding whether to offer you coverage. It can’t affect you during the policy renewal process either.[6]
What is the minimum car insurance required in California?
California drivers must carry at least $30,000 per person and $60,000 per accident in bodily injury liability and $15,000 per accident in property damage liability coverage.
Methodology
Insurify data scientists analyzed more than 90 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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Sources
- Moreno Valley. "5a. Dynamic Economy."
- United States Census Bureau. "QuickFacts Moreno Valley city, California."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- California Department of Insurance. "Auto Insurance."
- California Department of Insurance. "California Low Cost Auto."
- Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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