Cheapest Auto Insurance in Moreno Valley, California (2026)
USAA has the cheapest car insurance in Moreno Valley, with liability rates starting at $83 per month.
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Written byAmy Beardsley
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Amy BeardsleyFreelance Insurance and Real Estate Writer
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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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ 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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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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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 $1,743 per year, which comes out to $145 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 $142 and the national average of $136. 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 $195 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 | $191 | $99 | Commuters |
| Mile Auto | 8.8 | $108 | $63 | College students |
Disclaimer: Table data sourced from real-time Moreno Valley car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Moreno Valley 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 | 3.8 |
|---|---|
| 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. | $141/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. | $196/mo |
3.8
A solid optionBased on 63 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 (40)
Christy
Verified Purchase
Great so far
Reviewed in Missouri on January 25, 2026
Great for now, we will see what the price does at renewal time.
Daysy
Verified Purchase
Price is cheap but poor claim experience
Reviewed on November 6, 2025
Worst claim handling, no communication whatsoever.
Jerry
Verified Review
They helped me with some relief in getting reliable car insurance coverage
Reviewed in Missouri on June 12, 2025
Very good at helping get some insurance.
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. | $101/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. | $192/mo |
4.0
Best choiceBased on 620 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 (314)
Karen
Verified Review
My Experience with Mercury Insurance
Reviewed in California on February 1, 2026
My experience with Mercury is excellent. I have had the same agent ever since I first signed up with them, I believe, in the late 1990s. They have discounts I had never heard of and answer all questions immediately. My car is a 2016 Toyota Rav4 LE. I've always had full coverage, I drive very little, I bought it brand new, and I only have 37,389 miles on it, no tickets, no accidents, and no DUI ever. However, my insurance has doubled! I'm retired and live on Social Security. I can't afford insurance that used to be $645.76 per year in 2022, $908.76 per year in 2024, and $1,289.76 in 2025! My question is why is my insurance going up so much when I'm a good driver, have very low mileage, no accidents, and no tickets?
Howard
Verified Review
Automobile Insurance for Older Car with Low Mileage and Older Driver
Reviewed in California on January 20, 2026
The premium is very good in comparison with other more popular car insurance companies, especially when insuring a 28-year-old car with comparatively low miles and a driver over 70 years old.
Fred
Verified Review
Mercury Rates
Reviewed in California on January 16, 2026
No one has offered a lower rate than what I currently pay.
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. | $70/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. | $119/mo |
4.5
Best choiceBased on 187 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 (65)
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 22, 2025
You won't know until you try them. They are good.
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 $83 per month
Excellent
4.7 out of 5 based on 11,789 reviews
Secure. Free. Easy-to-use.
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 $83 per month for liability car insurance.
Below, the table shows various MoVal insurers and the average quotes for liability-only coverage.
The below rates in Moreno Valley, CA, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $83 |
| National General | $89 |
| Sun Coast | $92 |
| Dairyland | $94 |
| Mercury | $101 |
| Root | $106 |
| GEICO | $110 |
| Allstate | $115 |
| Anchor | $118 |
| Farmers | $118 |
| Direct Auto | $118 |
| Bristol West | $120 |
| State Farm | $128 |
| Travelers | $134 |
| 21st Century | $146 |
| Nationwide | $180 |
Disclaimer: Table data sourced from real-time Moreno Valley car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Moreno Valley may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Moreno Valley: Root
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 in Moreno Valley, CA, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Root | $185 |
| USAA | $187 |
| Mercury | $192 |
| Anchor | $200 |
| GEICO | $207 |
| Sun Coast | $230 |
| Dairyland | $242 |
| Allstate | $258 |
| National General | $261 |
| Farmers | $266 |
| Bristol West | $281 |
| State Farm | $288 |
| Travelers | $302 |
| Direct Auto | $311 |
| 21st Century | $329 |
| Nationwide | $406 |
Disclaimer: Table data sourced from real-time Moreno Valley car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Moreno Valley may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Moreno Valley, California
Drivers using Insurify have found quotes as cheap as $54/mo for liability only and $99/mo for full coverage in Moreno Valley and other California cities.
*Quotes generated for Insurify users in and around Moreno Valley, California within the last 10 days. Last updated on February 12, 2026. 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 February 12, 2026. 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 February 12, 2026. 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 February 12, 2026. 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 $171 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 $103 for drivers with an incident
Excellent
4.7 out of 5 based on 11,789 reviews
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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 $182 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 in Moreno Valley, CA, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $83 | $107 |
| National General | $89 | $111 |
| Sun Coast | $92 | $115 |
| Dairyland | $94 | $117 |
| Mercury | $101 | $141 |
| Root | $106 | $141 |
| GEICO | $110 | $144 |
| Allstate | $115 | $150 |
| Anchor | $118 | $147 |
| Farmers | $118 | $151 |
| Direct Auto | $118 | $148 |
| Bristol West | $120 | $151 |
| State Farm | $128 | $162 |
| Travelers | $134 | $174 |
| 21st Century | $146 | $192 |
| Nationwide | $180 | $233 |
Disclaimer: Table data sourced from real-time Moreno Valley car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Moreno Valley 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 $180 per month.
The below rates in Moreno Valley, CA, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $83 | $108 |
| National General | $89 | $114 |
| Sun Coast | $92 | $114 |
| Dairyland | $94 | $120 |
| Mercury | $101 | $148 |
| Root | $106 | $137 |
| GEICO | $110 | $138 |
| Allstate | $115 | $149 |
| Anchor | $118 | $150 |
| Farmers | $118 | $152 |
| Direct Auto | $118 | $156 |
| Bristol West | $120 | $153 |
| State Farm | $128 | $163 |
| Travelers | $134 | $174 |
| 21st Century | $146 | $192 |
| Nationwide | $180 | $234 |
Disclaimer: Table data sourced from real-time Moreno Valley car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Moreno Valley 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 $186. 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 in Moreno Valley, CA, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $83 | $115 |
| National General | $89 | $123 |
| Sun Coast | $92 | $118 |
| Dairyland | $94 | $130 |
| Mercury | $101 | $146 |
| Root | $106 | $147 |
| GEICO | $110 | $150 |
| Allstate | $115 | $159 |
| Anchor | $118 | $162 |
| Farmers | $118 | $163 |
| Direct Auto | $118 | $163 |
| Bristol West | $120 | $166 |
| State Farm | $128 | $177 |
| Travelers | $134 | $186 |
| 21st Century | $146 | $189 |
| Nationwide | $180 | $249 |
Disclaimer: Table data sourced from real-time Moreno Valley car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Moreno Valley 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 $129 per month for car insurance. Below is a table comparing liability-only and full-coverage quotes for senior drivers.
The below rates in Moreno Valley, CA, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $69 | $155 |
| National General | $71 | $209 |
| Dairyland | $81 | $210 |
| Sun Coast | $82 | $205 |
| Mercury | $82 | $157 |
| GEICO | $89 | $168 |
| Root | $90 | $158 |
| Allstate | $95 | $214 |
| Farmers | $95 | $215 |
| Direct Auto | $97 | $255 |
| Anchor | $98 | $166 |
| Bristol West | $101 | $238 |
| State Farm | $103 | $231 |
| Travelers | $109 | $246 |
| 21st Century | $117 | $264 |
| Nationwide | $141 | $317 |
Disclaimer: Table data sourced from real-time Moreno Valley car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Moreno Valley 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 $268 per month.
The below rates in Moreno Valley, CA, are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $155 | $349 |
| Dairyland | $160 | $412 |
| Sun Coast | $170 | $426 |
| National General | $182 | $533 |
| Root | $185 | $323 |
| Mercury | $189 | $359 |
| GEICO | $199 | $375 |
| Anchor | $208 | $352 |
| Bristol West | $216 | $507 |
| Allstate | $230 | $515 |
| Direct Auto | $230 | $607 |
| Farmers | $237 | $533 |
| State Farm | $250 | $563 |
| 21st Century | $266 | $600 |
| Travelers | $280 | $631 |
| Nationwide | $355 | $801 |
Disclaimer: Table data sourced from real-time Moreno Valley car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Moreno Valley 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 $145, which is much cheaper than the national average of $136. 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 $145 is less than the state average of $142.
See how other cities stack up against Moreno Valley in the table below.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Anaheim | $107 | $206 |
| Bakersfield | $83 | $181 |
| Berkeley | $99 | $215 |
| Chula Vista | $80 | $168 |
| Elk Grove | $97 | $187 |
| Fremont | $85 | $200 |
| Fresno | $84 | $177 |
| Glendale | $183 | $373 |
| Long Beach | $114 | $231 |
| Los Angeles | $154 | $297 |
| Modesto | $94 | $193 |
| Oakland | $101 | $232 |
| Oxnard | $84 | $189 |
| Riverside | $96 | $199 |
| Sacramento | $103 | $208 |
| Santa Ana | $97 | $200 |
| San Bernardino | $100 | $213 |
| San Diego | $84 | $173 |
| San Francisco | $104 | $248 |
| San Jose | $88 | $189 |
| Santa Maria | $70 | $159 |
| Stockton | $90 | $200 |
| Temecula | $93 | $184 |
| Victorville | $102 | $213 |
Disclaimer: Table data is based on real-time Moreno Valley quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $145 per month. On average, MoVal drivers pay $96 per month for liability coverage and $195 for full-coverage insurance.
Who has the cheapest car insurance in Moreno Valley?
With liability coverage rates of $83 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 $89 and $92 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 10, 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 $99 per month for liability coverage and $191 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 190 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 BeardsleyFreelance Insurance and Real Estate Writer
Amy has nearly a decade of experience translating complex concepts – like insurance – into reader-friendly, actionable information. With a unique background in business and legal disciplines, Amy specializes in turning dense policy jargon into clear, friendly and helpful content.
Amy holds a bachelor's degree from Ferris State University, and has been an Insurify contributor since September 2023. Connect with Amy on LinkedIn.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ 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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David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
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