120+ more*Quotes generated for Insurify users in and around Moreno Valley, California within the last 10 days. Last updated on June 25, 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 June 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Updated
USAA offers the cheapest car insurance in Moreno Valley.
Moreno Valley’s average monthly car insurance rate of $142 is comparable to California’s average of $147.
The Moreno Valley metro ranks No. 9 nationwide for vehicle theft.
In Moreno Valley, drivers spend an average of $91 per month for liability insurance and $192 for full coverage. These rates align closely with the average cost of car insurance in California.
The typical Moreno Valley commute is 41 minutes, roughly 20% longer than the average commute in the wider Riverside-San Bernardino-Ontario area. More time spent on packed California freeways means more opportunities for a car accident.
While commute time can influence your premium, your vehicle choice matters, too. Insurance rates can vary for common brands like Toyota, Honda, Chevrolet, Nissan, Kia, Mazda, and Volkswagen.
Vehicle type also plays a role. For example, luxury models from Lexus and Mercedes-Benz often cost more to insure because of higher repair and replacement costs, while minivans and electric vehicles may have different coverage needs.
The following table compares Moreno Valley’s average auto insurance quotes with the statewide average in California.
Car Insurance Costs in Moreno Valley vs. California  | Average Monthly Quote |
|---|---|
| Moreno Valley average | $142 |
| California average | $147 |
USAA offers the cheapest liability-only coverage in Moreno Valley, at $63 per month.
For full coverage, Aspire General has the cheapest rates, averaging $117 per month.
Check quotes from 120+ top insurance companies
Interstate 215 runs along the west side of Moreno Valley, and state Route 60 borders it to the north, with the two meeting just a few miles west of the Moreno Valley Mall. Drivers in the Moreno Valley area face heavy traffic backups on I-10, I-15, state Route 60, state Route 91, and I-215 during the morning and evening commutes.
The city’s northern edge borders the Reche Canyon/Box Springs Mountain Reserve area, increasing wildfire risk. In fact, the City of Moreno Valley has designated 12,283 acres within its planning area as Very High Fire Hazard Severity Zones.[1]
Since comprehensive insurance generally covers fire damage, it can provide valuable financial protection to drivers in Moreno Valley.
Moreno Valley sits in the Riverside-San Bernardino-Ontario metro, which recorded 7,326 stolen vehicles in the first half of 2025. That puts the area at No. 9 nationally for theft volume, even though thefts were down 23% from the previous year.
Higher theft risk affects the price of comprehensive insurance, which covers stolen vehicles.[2]
Moreno Valley drivers pay an average of $142 per month for insurance. This rate is lower than that of neighboring Riverside to the west and cheaper than those of San Bernardino, Victorville, and Los Angeles.
Two factors shaping insurance rates in this area include population density and daily drive time. Moreno Valley has about 4,065 people per square mile — far below Los Angeles’ 8,304 — which helps keep car insurance costs down.
But the longer commute has the opposite effect on insurance costs. Drivers in Moreno Valley spend more time on the road, increasing the risk of car accidents, vehicle damage, and other insurance claims.
See the table below for how average monthly quotes in Moreno Valley compare to those in other California cities.
City | Average Monthly Quote |
|---|---|
| Anaheim | $157 |
| Bakersfield | $127 |
| Berkeley | $148 |
| Chula Vista | $123 |
| Elk Grove | $138 |
| Fremont | $133 |
| Fresno | $127 |
| Glendale | $259 |
| Long Beach | $165 |
| Los Angeles | $217 |
| Modesto | $138 |
| Moreno Valley | $142 |
| Oakland | $164 |
| Oxnard | $133 |
| Riverside | $144 |
| Roseville | $135 |
| Sacramento | $152 |
| San Bernardino | $152 |
| San Diego | $125 |
| San Francisco | $165 |
| San Jose | $132 |
| Santa Ana | $148 |
| Santa Barbara | $116 |
| Santa Maria | $110 |
| Stockton | $140 |
| Temecula | $126 |
| Victorville | $155 |
It’s common for state Route 60 and I-215 to back up during peak hours. To get around the congestion, some drivers switch to city streets, pushing traffic into neighborhoods that weren’t designed to handle it.
The city uses traffic-calming measures to slow drivers on busy local streets, such as speed humps and signs that flash your speed back at you.
The mix of congestion and cut-through traffic can increase crash risk. The California Automobile Insurance guide specifically mentions car accidents as a factor insurers consider to determine auto insurance pricing.
Moreno Valley drivers can find the lowest liability car insurance from USAA, at $63 per month. The statewide average for liability insurance is $95 per month.
California requires minimum car insurance limits of 30/60/15. This translates to $30,000 for injury or death to one person and $60,000 for injury or death per accident, and $15,000 for property damage.[3]
The table below shows the cheapest liability-only rates in Moreno Valley.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $63 |
| Aspire General | $66 |
| GEICO | $69 |
| National General | $70 |
| Sun Coast | $70 |
| Mercury | $71 |
| Dairyland | $77 |
| Root | $84 |
| Direct Auto | $86 |
| Allstate | $87 |
| Farmers | $89 |
| Anchor | $92 |
| State Farm | $96 |
| Bristol West | $97 |
| Kemper Special | $99 |
| Travelers | $101 |
| 21st Century | $110 |
| Kemper Rsvp | $110 |
| Nationwide | $136 |
| Chubb | $172 |
Aspire General is the cheapest car insurance company for full-coverage in Moreno Valley. Its average monthly rate is $117. Full coverage costs about twice as much as a liability-only policy because it includes collision and comprehensive protection for your vehicle.
In Moreno Valley, vehicle theft is a real concern, with the larger metro area ranking among the top 10 nationwide for stolen cars. The comprehensive portion of a full-coverage policy generally covers vehicle theft.
Check out the table below for the cheapest full-coverage rates in Moreno Valley.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $117 |
| Root | $130 |
| Mercury | $135 |
| GEICO | $138 |
| USAA | $139 |
| Kemper Special | $154 |
| Kemper Rsvp | $156 |
| Sun Coast | $160 |
| Anchor | $173 |
| Dairyland | $183 |
| National General | $187 |
| Allstate | $192 |
| Farmers | $198 |
| Bristol West | $207 |
| Direct Auto | $210 |
| State Farm | $213 |
| Travelers | $224 |
| 21st Century | $244 |
| Nationwide | $301 |
| Chubb | $381 |
*Quotes generated for Insurify users in and around Moreno Valley, California within the last 10 days. Last updated on June 25, 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 June 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Just over 3% of Moreno Valley drivers have a speeding ticket on their record, according to Insurify data. In California, a speeding conviction typically adds one point to your driving record.
USAA offers the cheapest liability-only rates for Moreno Valley drivers with a ticket, averaging $82 per month.
The following table highlights the most affordable rates for drivers in Moreno Valley with a speeding ticket on their record.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $82 |
| Aspire General | $84 |
| National General | $88 |
| Sun Coast | $89 |
| GEICO | $91 |
| Dairyland | $96 |
| Mercury | $99 |
| Root | $101 |
| Direct Auto | $109 |
| Allstate | $114 |
| Anchor | $114 |
| Farmers | $115 |
| State Farm | $122 |
| Bristol West | $123 |
| Kemper Special | $125 |
| Travelers | $132 |
| Kemper Rsvp | $139 |
| 21st Century | $146 |
| Nationwide | $177 |
| Chubb | $220 |
Drivers with an at-fault accident in Moreno Valley pay a monthly average of $116 for liability policies.
California is an at-fault state, which means the driver who causes an accident pays for the damage. After an at-fault accident, the California Department of Motor Vehicles (DMV) will add up to three points to your driving record.
About 4.7% of Moreno Valley drivers have an at-fault accident on record, according to Insurify data.
The cheapest rates for drivers with an at-fault accident in Moreno Valley are listed below.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $83 |
| Aspire General | $84 |
| Sun Coast | $89 |
| GEICO | $90 |
| National General | $92 |
| Dairyland | $100 |
| Root | $104 |
| Mercury | $105 |
| Allstate | $115 |
| Direct Auto | $115 |
| Farmers | $117 |
| Anchor | $118 |
| State Farm | $125 |
| Bristol West | $126 |
| Kemper Special | $126 |
| Travelers | $134 |
| Kemper Rsvp | $140 |
| 21st Century | $148 |
| Nationwide | $180 |
| Chubb | $226 |
A driving under the influence (DUI) conviction carries some of the steepest rate increases of any violation, and Moreno Valley has active DUI enforcement. The Riverside County Sheriff’s Office, Moreno Valley Station conducts regular DUI checkpoints across the city to identify high-risk drivers.
Roughly 0.8% of Moreno Valley drivers have a DUI on record, according to Insurify data. USAA offers the cheapest DUI car insurance rates for those drivers.
Check the table below for the cheapest liability-only quotes for Moreno Valley drivers after a DUI.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $88 |
| Aspire General | $90 |
| Sun Coast | $95 |
| GEICO | $96 |
| National General | $98 |
| Mercury | $106 |
| Dairyland | $108 |
| Root | $118 |
| Direct Auto | $121 |
| Allstate | $122 |
| Farmers | $125 |
| Anchor | $130 |
| Kemper Special | $134 |
| State Farm | $135 |
| Bristol West | $136 |
| Travelers | $142 |
| 21st Century | $149 |
| Kemper Rsvp | $149 |
| Nationwide | $191 |
| Chubb | $241 |
Car insurance is expensive for teen drivers in Moreno Valley, with monthly averages of $165 for liability policies and $347 for full-coverage policies.
Drivers younger than 18 in California can get a provisional license, which limits when they can drive and who they can have in the car.
The following table shows the cheapest rates for teen drivers in Moreno Valley.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $116 |
| Aspire General | $119 |
| GEICO | $124 |
| Root | $126 |
| Sun Coast | $127 |
| Mercury | $129 |
| Dairyland | $134 |
| National General | $139 |
| Direct Auto | $167 |
| Allstate | $171 |
| Bristol West | $171 |
| Anchor | $175 |
| Farmers | $177 |
| Kemper Special | $179 |
| State Farm | $185 |
| 21st Century | $196 |
| Kemper Rsvp | $199 |
| Travelers | $209 |
| Nationwide | $264 |
| Chubb | $352 |
Insurify partners with 120+ top insurers for real-time quotes
The median age in Moreno Valley is 33, so senior drivers make up a smaller share of the population here than in many other areas of the state.[4] USAA offers drivers in their 60s the cheapest car insurance rates in the city, averaging $52 per month for liability-only coverage.
Find the cheapest rates for senior drivers in Moreno Valley in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $52 |
| GEICO | $56 |
| National General | $57 |
| Mercury | $58 |
| Aspire General | $60 |
| Sun Coast | $64 |
| Dairyland | $67 |
| Direct Auto | $72 |
| Allstate | $73 |
| Farmers | $73 |
| Anchor | $76 |
| State Farm | $78 |
| Root | $79 |
| Travelers | $83 |
| Bristol West | $83 |
| 21st Century | $89 |
| Kemper Special | $90 |
| Kemper Rsvp | $100 |
| Nationwide | $107 |
| Chubb | $134 |
For more information about car insurance in Moreno Valley, see answers to questions drivers often ask below.
USAA has the cheapest car insurance in Moreno Valley, at $63 per month for liability coverage, according to Insurify data. Aspire General and GEICO also offer affordable rates for local drivers.
State Farm, GEICO, and Allstate rank among the best insurance companies for Moreno Valley drivers, but the right insurer for you depends on your needs. Compare free quotes from several insurers to find the coverage you need at the best price.
Yes. Moreno Valley insurance companies may offer discounts for good students, safe driving, anti-theft devices, and bundling auto insurance with homeowners insurance or condo insurance. Ask your car insurance agent about which insurance policy discounts you qualify for.
Yes. Moreno Valley drivers pay about $142 per month, so $200 is higher than what most drivers in the city pay and more expensive than the state average of $147 per month.
It depends. Even if you own your car outright, full coverage may be worth a look in Moreno Valley. Collision coverage pays for vehicle repairs if you cause an accident, and comprehensive coverage can help if someone steals your car or a wildfire damages it.
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:
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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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.