Best Auto Insurance Rates in Moreno Valley, California

On average your neighbors pay $70 a month.

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Moreno Valley’s motto is “People, Pride, Progress.” If you’re looking to make some progress in getting a great deal on car insurance, QuoteWizard can help.

Average Moreno Valley Insurance Rates

How much does car insurance cost in Moreno Valley, CA? California, on average, has expensive car insurance. But rates vary throughout the state, and Moreno Valley’s rates are relatively cheap. Average car insurance in Moreno Valley costs $841.45 per year. The national average price is $889.01.

Rates may vary depending on your driving record, insurance history, credit score, and more.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows average rates in California from 2011 to 2015. This is the most recent data available. The Insurance Information Institute found that Moreno Valley car insurance increased from $740 in 2011 to $841 in 2015. This is a jump of $101 dollars, or 13.66 percent.

California average car insurance rates

Buying car insurance in Moreno Valley can be a long process. Let QuoteWizard help you compare rates from top insurance companies. In just a few minutes you can and save time and money on your premium.

Last year, 869 drivers used QuoteWizard to compare car insurance quotes in Moreno Valley, CA from multiple companies to find the cheapest rates. Of them, 447 were uninsured at the time.

Best Car Insurance Companies in Moreno Valley, CA

These are the most popular auto insurance companies reported by QuoteWizard users in Moreno Valley, California last year.

Top 10 Vehicles in Moreno Valley

These are the most popular makes and models owned by QuoteWizard users in Moreno Valley, CA.

  1. Toyota Camry LE
  2. Nissan Sentra S
  3. Honda Civic/LX/EX/DX
  4. Nissan Altima 2.5
  5. Honda Accord EX/LX/Sport
  6. Nissan Versa S
  7. Ford Mustang/GT
  8. Ford Focus SE
  9. Toyota Prius
  10. Chevrolet C1500 Silverado
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Moreno Valley, CA

Per state law, Moreno Valley, California drivers must carry minimum liability coverage. The minimum is 15/30/5. This means your policy must include: 

  • $15,000 Individual Bodily Injury Liability (BIL):
    The max amount paid for a person injured in a car accident.
  • $30,000 Total Bodily Injury Liability:
    The total amount paid for every person injured in a car accident.
  • $5,000 Property Damage Liability (PDL):
    The max amount paid for property damage caused by a car accident

Recommended Coverage Levels

Minimum coverage may look like a good way to go, because it’s so affordable. But it’ll cost you if you have an accident. Minimum insurance doesn’t include collision or comprehensive coverage.

And it’s easy to exceed your liability limits after an accident. Because of that, we recommend the following coverage:

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 .

Moreno Valley Drivers

Insurance is more expensive in areas with a high rate of accidents. How does Moreno Valley fare? QuoteWizard ranked state and city drivers from best to worst. According to our data, California ranks number one for states with the worst driving.

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.

Moreno Valley’s warm weather shouldn’t cause too many dangerous driving conditions. But as part of the Greater Los Angeles area, the city does suffer from traffic and constrained roads. Moreno Valley is currently undergoing extensive projects to improve the quality of their streets and decrease traffic congestion.

Moving Violations

Citations and at-fault accidents affect your driving record. That’s why car insurance for people with tickets and accidents costs quite a bit more. If you have too many incidents on your record, you may need to buy high-risk car insurance. Some companies refuse to cover high-risk drivers.

Traffic Tickets

California uses a points system to regulate speeding. If you get pulled over for a moving violation, that’s one point on your record. Other infractions carry their own point penalty. If you get:

  • 4 points in one year
  • 6 points in two years
  • 8 points in a three-year period

The CA DMV will suspend your license for 6 months. A speeding ticket in Riverside County will cost you at least $238. This will also raise your auto insurance rates.

DUI and DWAI Arrests

A DUI can hurt your insurance rates. Our study found that drivers with a DUI pay an extra $830 per year for car insurance. In 2015, the most recent data available, Moreno Valley police made 441 DUI arrests.

SR-22 DUI/DWAI Insurance

California drivers with a suspended license due to DUI must file an SR-22 form. You are required to maintain the SR-22 for at least three years. If you’re an uninsured driver and have an accident, it could be four years.

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, Moreno Valley police reported a total of 1,051 collisions.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Moreno Valley Police reported 1,107 auto thefts in 2017

Save With Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Moreno Valley drivers can use. Get a quote and find out which discounts you qualify for.

Looking for ways to get a discount? Moreno Valley drivers have many options:

  1. If you’re 55 or over, see if a senior citizens discount is available 
  2. Have more than one car? Look into a multiple car discount
  3. If you live in a safe neighborhood in Moreno Valley, you could save money 
  4. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  5. Take a certified defensive driving course 
  6. If you’re a safe driver with a clean record, that can add up to lower rates
  7. Make sure your car as up-to-date safety features and anti-theft devices
  8. Bundle your car insurance with your home or renters insurance, you can cut up to 15 percent off your total bill 
  9. Shop around and compare car insurance rates in Moreno Valley.

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