Buy Cheap Moreno Valley, CA Auto Insurance

The average annual auto insurance rates in Moreno Valley, CA are around $3,897.29 ($324/mo). The cheapest auto insurance company in Moreno Valley, CA is USAA, although rates will vary for each person. Moreno Valley, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Moreno Valley, California car insurance rates online to get the best price for you.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • The average annual auto insurance rates for Moreno Valley, CA are $3,897.29 ($324/mo)
  • The cheapest auto insurance company in Moreno Valley, CA is USAA
  • Moreno Valley, CA rates are affected by the traffic that is shared with San Bernardino as well as Los Angeles
  • The average commute time for San Bernardino is 26 min

Moreno Valley, CA average annual auto insurance rates are slightly above average when compared to other cities in California. But, surprisingly, they are nearly $225 cheaper per year than San Bernardino which is only 30 minutes away.

You can save on Moreno Valley, California auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on how to buy auto insurance in Moreno Valley, California for every age, credit history, and driving record.

Ready to find affordable auto insurance in Moreno Valley, CA? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Moreno Valley, CA?

The cheapest car insurance company in Moreno Valley, based on average rates, is USAA.

The top auto insurance companies in Moreno Valley, CA, ranked from cheapest to most expensive annual rates are:

  • USAA – $2,744.80
  • GEICO – $2,888.69
  • Progressive – $3,096.71
  • Liberty Mutual – $3,099.00
  • Travelers – $3,546.00
  • State Farm – $4,735.45
  • Allstate – $4,791.60
  • Nationwide – $4,958.64
  • Farmers – $5,214.71

There are a lot of factors that determine your auto insurance rates.

The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What auto insurance coverage is required in Moreno Valley, CA?

All Moreno Valley drivers have to meet the California state law minimum requirements to buy auto insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

What affects auto insurance rates in Moreno Valley, CA?

Moreno Valley is the 22nd largest city in California and about a 30 min drive south of San Bernardino. Let’s take a look at how Moreno Valley auto insurance rates compare to other cities in California.

  • Beverly Hills, CA — $6,188.41 (most expensive)
  • San Bernardino, CA — $4,123.85 (next closest city)
  • Moreno Valley, CA — $3,897.29
  • Los Ranchos, CA — $2,731.32 (cheapest)

INRIX doesn’t rank Moreno Valley or San Bernardino but does rank Los Angeles which is a little over an hour away.

INRIX ranks Los Angeles as the 6th most congested city in the U.S. Moreno Valley is south of San Bernadino and east of Los Angeles, so traffic heading to a larger city can affect car insurance rates.

City-Data doesn’t measure commute time for Moreno Valley but does report that the average commute time for San Bernardino is 26 minutes.

Auto theft in Moreno Valley also affects rates, and the most recent annual statistics list 1,158 auto thefts in a city population of 207,418. That’s a rate of 179 cars stolen per 100,000 population.

Moreno Valley, CA Auto Insurance: The Bottom Line

Moreno Valley has fairly average auto insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.

Before you buy auto insurance in Moreno Valley, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Moreno Valley, CA auto insurance quotes.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption