Cheapest Auto Insurance in Moreno Valley, California (2024)

Mile Auto has the cheapest car insurance in Moreno Valley, with liability rates starting at $67 per month.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance 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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Katie Powers
Edited byKatie Powers
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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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Updated May 23, 2024

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Cheapest recent rates near Moreno Valley, California

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $91/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 May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. 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 May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Life in Moreno Valley comes with perks, including affordable car insurance. The overall average cost of car insurance in this California city is $2,689 per year, which comes out to $224 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 $202 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 $133 per month for liability coverage and $315 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Clearcover3.4$${AUTO_CARRIER_CLEARCOVER_FULL_STATE_CA_PRICE}$${AUTO_CARRIER_CLEARCOVER_LIABILITY_STATE_CA_PRICE}Cheap rates
Mercury4.0$170$90Commuters
Mile Auto3.7$116$62College students
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.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).
NR
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.
$86/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.
$142/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.

Pros
  • Mobile app for policy management

  • Rideshare coverage available

Cons
  • Doesn’t offer SR-22 coverage

  • No homeowners or renters insurance

Read our Clearcover review
Mario - May 20, 2024
Verified

I love it!

I love this place. Every interaction was so easy.

Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.

Linda - April 7, 2024
Verified

No

The cost is too high considering how little I drive. I haven't had any tickets in 10 years and I'm a senior.

Best insurer for commuters: Mercury

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
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.
$99/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

Read our Mercury review
Marilyn - May 21, 2024
Verified

Great Company

It's a great company. I've been with them for years.

Marilyn - May 21, 2024
Verified

Excellent

Great value.

Elizabeth - May 19, 2024
Verified

I had full coverage, but then there was a $400 hike per year. I switched to State Law which was $200 lower. I sent a check for $146.00 for renewal, but they claimed it arrived 2 days late. Was it due to snail mail? I think they're lying. The new policy is $600 more per year. Now, I have no insurance. I've had this poor service since I was 16. I might just go without insurance because I no longer care.

I had full coverage, but then there was a $400 hike per year. I switched to State Law which was $200 lower. I sent a check for $146.00 for renewal, but they claimed it arrived 2 days late. Was it due to snail mail? I think they're lying. The new policy is $600 more per year. Now, I have no insurance. I've had this poor service since I was 16. I might just go without insurance because I no longer care.

Best insurer for college students: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.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).
NR
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.
$126/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.

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 $67 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 $67 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto67
Sun Coast83
Mercury99
Anchor108
Dairyland116
USAA120
National General143
GEICO160
Allstate166
Direct Auto168
Farmers170
State Farm184
Travelers193
21st Century211
Bristol West221
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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto126
Mercury187
Anchor243
Sun Coast243
USAA256
Dairyland334
National General336
GEICO341
Allstate354
Farmers363
State Farm394
Direct Auto396
Travelers414
21st Century450
Bristol West451
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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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]

CoverageMinimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$5,000 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:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for medical bills for you and your passengers, no matter who caused the crash.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance helps if you hit another car or object, like a guardrail.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers non-crash damages from theft, fire, falling objects, and more.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and roadside coverage

    Towing and road service steps in if your car breaks down or has a flat tire.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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 $281 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

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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 $305 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Mile Auto6791
Sun Coast83113
Mercury99134
Anchor108136
Dairyland116147
USAA120151
National General143200
GEICO160202
Allstate166209
Direct Auto168215
Farmers170213
State Farm184231
Travelers193246
21st Century211274
Bristol West221277
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 $288 per month.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Mile Auto6793
Sun Coast83107
Mercury99133
Anchor108149
Dairyland116146
USAA120151
National General143179
GEICO160202
Allstate166209
Direct Auto168217
Farmers170213
State Farm184231
Travelers193245
21st Century211271
Bristol West221274
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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Mile Auto6789
Sun Coast83107
Mercury99131
Anchor108160
Dairyland116172
USAA120178
National General143212
GEICO160238
Allstate166247
Direct Auto168250
Farmers170253
State Farm184273
Travelers193287
21st Century211313
Bristol West221328
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 $192 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Mile Auto5297
Sun Coast71208
Mercury76144
Anchor86193
Dairyland95272
USAA97207
National General117275
GEICO129276
Direct Auto132310
Farmers135287
Allstate136289
State Farm145310
Travelers154331
21st Century161344
Bristol West180368
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 $338 per month.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Mile Auto120225
Sun Coast125366
Mercury166313
Anchor174392
Dairyland178511
USAA182387
GEICO228486
National General246577
Allstate266567
Farmers274586
Direct Auto282664
State Farm284609
Travelers319684
21st Century320683
Bristol West344702
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 $224, 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 $224 is less than the state average of $202.

See how other cities stack up against Moreno Valley in the table below.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Anaheim$144$293
Bakersfield$112$241
Berkeley$131$241
Chula Vista$121$210
Elk Grove$133$251
Fremont$132$296
Fresno$127$241
Glendale$231$361
Long Beach$154$263
Los Angeles$198$340
Modesto$130$276
Oakland$150$302
Oxnard$137$259
Riverside$135$283
Sacramento$137$292
Santa Ana$155$295
San Bernardino$149$298
San Diego$116$233
San Francisco$148$294
San Jose$125$270
Santa Maria$97$260
Stockton$138$300
Temecula$120$238
Victorville$151$286
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 $224 per month. On average, MoVal drivers pay $133 per month for liability coverage and $315 for full-coverage insurance.

  • Who has the cheapest car insurance in Moreno Valley?

    With liability coverage rates of $67 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 $83 and $99 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 4.0 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 $90 per month for liability coverage and $170 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.

Sources

  1. Moreno Valley. "5a. Dynamic Economy."
  2. United States Census Bureau. "QuickFacts Moreno Valley city, California."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. California Department of Insurance. "Auto Insurance."
  5. California Department of Insurance. "California Low Cost Auto."
  6. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
Amy Beardsley
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
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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