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Life in Moreno Valley comes with perks, including affordable car insurance. The overall average cost of car insurance in this California city is $2,709 per year, which comes out to $226 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 $212 and the national average of $160. 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
Mile Auto, Sun Coast, and Mercury have the cheapest rates in the state.
Moreno Valley drivers pay $141 per month for liability coverage and $311 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 28,000 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.
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.
6.8/10
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.
$89/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.
$144/mo
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.
ClearCover started off well, offering prices that were $200 lower than other companies. This made them a highly desirable choice. However, when it came time to renew, they increased the prices by $80. At the next renewal, they raised the price again, this time by $135. This eliminated the favorable price gap they initially had. At the next renewal, they increased the price yet again by $80, making their price higher than the competition's. It's time to look for other options!
Miche - July 1, 2024
Verified
Not Valued as a Loyal Customer
The price was good, but they do not value loyal customers.
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.
8.0/10
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.
$100/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.
$187/mo
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
Alex is always good, but he needs to provide more explanations of the policy for older adults. Additionally, better discounts for them would be appreciated.
Randy - July 23, 2024
Verified
Review of Mercury
I had one accident and the claim process was good. However, the accident doubled my rate, so I'm switching.
Fred - July 22, 2024
Verified
Increasing Rates Despite No Tickets or Accidents
I haven't had any tickets or accidents for at least 9 years, yet my rate keeps increasing.
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.
$64/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.
$118/mo
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.
They're good, it just takes a while for them to do anything.
Find Cheap Car Insurance in Moreno Valley, California
Liability coverage starts at $64 per month
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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: Mile Auto
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, Mile Auto stands out as the most wallet-friendly option, with an average of $64 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$64
Sun Coast
$80
Mercury
$100
Anchor
$107
USAA
$124
National General
$140
GEICO
$164
Direct Auto
$165
Allstate
$171
Farmers
$175
State Farm
$190
Travelers
$199
21st Century
$216
Bristol West
$238
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$118
Mercury
$187
Sun Coast
$235
Anchor
$248
USAA
$255
GEICO
$340
National General
$340
Allstate
$352
Farmers
$361
Direct Auto
$390
State Farm
$392
Travelers
$411
Bristol West
$445
21st Century
$448
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. 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.
California drivers must carry the state’s minimum amount of liability insurance listed below.[4]
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.
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 $279 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 $83 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
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 $304 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
$64
$85
Sun Coast
$80
$108
Mercury
$100
$135
Anchor
$107
$134
USAA
$124
$156
National General
$140
$176
GEICO
$164
$207
Direct Auto
$165
$208
Allstate
$171
$215
Farmers
$175
$219
State Farm
$190
$237
Travelers
$199
$252
21st Century
$216
$281
Bristol West
$238
$298
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto
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 $285 per month.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
$64
$87
Sun Coast
$80
$101
Mercury
$100
$134
Anchor
$107
$147
USAA
$124
$155
National General
$140
$177
GEICO
$164
$206
Direct Auto
$165
$212
Allstate
$171
$214
Farmers
$175
$218
State Farm
$190
$237
Travelers
$199
$251
21st Century
$216
$278
Bristol West
$238
$295
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto
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 $289. 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
$64
$84
Sun Coast
$80
$102
Mercury
$100
$132
Anchor
$107
$159
USAA
$124
$184
National General
$140
$208
GEICO
$164
$243
Direct Auto
$165
$245
Allstate
$171
$253
Farmers
$175
$259
State Farm
$190
$282
Travelers
$199
$295
21st Century
$216
$320
Bristol West
$238
$353
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto
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 $201 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
$50
$93
Sun Coast
$71
$209
Mercury
$79
$148
Anchor
$86
$200
USAA
$103
$212
National General
$114
$276
Direct Auto
$133
$315
GEICO
$136
$282
Farmers
$142
$293
Allstate
$143
$294
State Farm
$154
$317
Travelers
$163
$336
21st Century
$168
$349
Bristol West
$198
$370
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto
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 $339 per month.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
$115
$212
Sun Coast
$120
$353
Mercury
$167
$312
Anchor
$172
$398
USAA
$188
$387
GEICO
$235
$487
National General
$250
$607
Allstate
$275
$567
Direct Auto
$277
$654
Farmers
$283
$583
State Farm
$295
$609
Travelers
$330
$681
21st Century
$331
$686
Bristol West
$371
$693
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $226, which is much cheaper than the national average of $160. 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 $226 is less than the state average of $212.
See how other cities stack up against Moreno Valley in the table below.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $226 per month. On average, MoVal drivers pay $141 per month for liability coverage and $311 for full-coverage insurance.
Who has the cheapest car insurance in Moreno Valley?
With liability coverage rates of $64 per month, Mile Auto is the cheapest car insurance company in Moreno Valley. Sun Coast and Mercury also offer cheap coverage, with respective rates of $80 and $100 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 8.0 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 $94 per month for liability coverage and $175 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 $15,000 per person and $30,000 per accident in bodily injury liability and $5,000 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
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.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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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