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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Licensed property and casualty insurance agent
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NPN: 21630969
Updated
Murrieta drivers pay monthly averages of $90 for state-minimum coverage and $190 for full coverage. Murrieta’s rates are nearly identical to the California monthly averages of $96 per for liability coverage and $200 for full coverage.
It’s also a consistent price for the area, given that drivers in neighboring Wildomar pay roughly the same, too. Rates in these smaller cities are much cheaper than in Los Angeles, where residents pay averages of $148 and $292 per month, respectively. Los Angeles County has much higher rates of crime and vandalism, according to FBI crime data, which can drive up premiums.
Liability quotes start at $61/mo.
USAA offers the lowest price on liability insurance for Murrieta residents, at $61 per month. In California, all drivers must carry a 30/60/15 policy, at a minimum.[1]
If you need full coverage, Aspire General is your best bet, with monthly policies averaging $114. Given the area’s high wildfire risk and the fact that liability-only insurance doesn’t cover wildfire losses, it’s a good idea to consider purchasing full coverage.[2]
Here are the cheapest liability-only rates and full-coverage rates in California:
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $65 |
| Aspire General | $69 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Root | $86 |
| Direct Auto | $88 |
| Allstate | $90 |
| Farmers | $92 |
| Anchor | $95 |
| Bristol West | $100 |
| State Farm | $100 |
| Kemper Special | $104 |
| Travelers | $105 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $179 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $121 |
| Root | $134 |
| Mercury | $140 |
| GEICO | $141 |
| USAA | $144 |
| Kemper Special | $158 |
| Kemper Rsvp | $161 |
| Sun Coast | $167 |
| Anchor | $177 |
| Dairyland | $191 |
| National General | $194 |
| Allstate | $199 |
| Farmers | $205 |
| Bristol West | $213 |
| Direct Auto | $213 |
| State Farm | $221 |
| Travelers | $233 |
| 21st Century | $253 |
| First Acceptance | $339 |
| Chubb | $394 |
Crime and congestion are much lower in Murrieta compared to larger nearby metro areas like Los Angeles, and that’s reflected in the lower overall price for car insurance.[3] It’s a similar story in Wildomar, sitting right next door to Murrieta.
Being about 60 miles inland, Murrieta has a low risk of coastal flooding, but it does have a high risk of wildfires, which can affect rates.
Here’s how much drivers pay for insurance coverage in different cities in California, for comparison:
City | Average Monthly Quote |
|---|---|
| Anaheim | $159 |
| Bakersfield | $128 |
| Berkeley | $151 |
| Chula Vista | $125 |
| Elk Grove | $139 |
| Fremont | $133 |
| Fresno | $128 |
| Glendale | $263 |
| Long Beach | $168 |
| Los Angeles | $220 |
| Modesto | $139 |
| Moreno Valley | $146 |
| Murrieta | $140 |
| Oakland | $168 |
| Oxnard | $134 |
| Riverside | $146 |
| Sacramento | $154 |
| San Bernardino | $155 |
| San Diego | $128 |
| San Francisco | $166 |
| San Jose | $133 |
| Santa Ana | $151 |
| Santa Barbara | $118 |
| Santa Maria | $111 |
| Stockton | $142 |
| Temecula | $128 |
| Victorville | $157 |
Murrieta is a wonderful place to live, according to 88% of residents surveyed by the city in 2023. Even so, driving is one of the biggest thorns in residents’ sides, given that only 40% ranked traffic as “good.”[4] A major part of the problem is the two interstates, I-15 and I-215, connecting the city with the larger Los Angeles metro area to the north and San Diego to the south.
These two freeways are also bringing more traffic into town due to the historic Murrieta Hot Springs Resort, which reopened in 2024. Locals noted more accidents along Murrieta Hot Springs Road on public forums, and as a result, the city is currently undergoing a project to widen the highway leading up to the resort. If you drive through this area, pay attention to the traffic changes.[5]
As all California residents know, wildfires are a major danger, and Murrieta is no exception. Nearly 96% of properties in Murrieta are at a major risk for wildfire in the next three decades, according to First Street data. Make sure you have an evacuation safety plan in place, and consider comprehensive coverage to give you peace of mind in case your car burns in a fire.
Having a speeding ticket, a DUI, or an at-fault accident makes you a high-risk driver in the eyes of insurers. Murrieta drivers have a relatively low rate of accidents, with 380 serious accidents in 2023, according to the California Office of Traffic Safety. In comparison, nearby Riverside had more than 1,800 serious crashes in 2023.
California is an at-fault state, which means the person who causes the accident is financially responsible for the damage.[6]
Here’s how different incidents can affect your car insurance costs in Murrieta:
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $140 |
| Speeding ticket | $178 |
| At-fault accident | $179 |
| DUI | $189 |
Monthly rates start at $77 for drivers with an incident
Younger Murrieta drivers pay higher rates for coverage, partly due to having less experience overall. But unique to Murrieta, drivers younger than 21 are more likely to cause an accident while drinking than in similar-sized cities.[7]
To combat this issue, the Murrieta Police Department runs a program to teach teens the dangers of drinking and driving.
Senior California drivers pay the lowest rates, as they have the most driving experience.
Here are the average liability rates for Murrieta drivers, based on age:
Age | Average Monthly Quote |
|---|---|
| Teens | $317 |
| 20s | $196 |
| 30s | $148 |
| 40s | $141 |
| 50s | $139 |
| 60s | $133 |
| 70+ | $140 |
*Quotes generated for Insurify users in and around Murrieta, California within the last 10 days. Last updated on August 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Murrieta, California within the last 10 days. Last updated on August 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
Finding the right coverage for your insurance needs can be tricky at first, but we’ve got information that can help. Here are answers to questions that Murrieta residents often ask about finding cheap car insurance.
USAA offers the cheapest car insurance coverage in California, with an average liability rate of $61 per month.
Murrieta drivers pay an average monthly cost of $90 for liability coverage and $190 for full coverage, according to Insurify data.
Murrieta drivers need to carry at least $30,000 per person for bodily injury (up to $60,000 per accident) and $15,000 for property damage.
Murrieta drivers must contend with increasing traffic congestion as the area grows, as well as a high threat from wildfires. But it’s still a relatively safe place to live, with low rates of auto theft.
Murrieta drivers can take advantage of many discounts in California. Depending on the insurance company, you may qualify for discounts if you bundle home or renters with auto insurance, if you enroll in a telematics program, or if you complete certain driver safety courses.
Insurify data scientists analyzed more than 250 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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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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.
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