Cheapest Car Insurance Quotes in Moreno Valley

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Moreno Valley Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Moreno Valley

The car insurance rate in Moreno Valley is $1122 for a six-month policy, which is $111 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $713, making it a popular choice for budget-conscious drivers. Rates in Moreno Valley can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Moreno Valley

$1122

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Moreno Valley

1st place: CSAA

At $713 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $904 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $956 for six months, making it the third cheapest auto insurance company in Moreno Valley.

Moreno Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Moreno Valley, CA is CSAA, offering policies at just $713 for a six-month term. This is followed by USAA, which has an average six-month premium of $904.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $857 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Moreno Valley drivers find the best deals.

Cheap Car Insurance Companies in Moreno Valley, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$713	$120
USAA	$904	$152
Mercury	$956	$161
AAA SoCal	$1048	$179
Progressive	$1101	$185
Allstate	$1207	$203
Wawanesa	$1213	$204
AAA NorCal	$1227	$209
Auto Club	$1265	$211
State Farm	$1339	$225
AAA	$1523	$254
Kemper	$1576	$268
Farmers	$1760	$293
Capital Insurance Group	$785	$131
National General	$798	$135
State National	$811	$135
Hartford	$857	$145

Key Takeaways

Way's key takeaways about car insurance in Moreno Valley

The auto insurance costs in Moreno Valley fall around $713 for six months.
The cheapest auto insurance company in Moreno Valley is CSAA.
Teen drivers pay the highest rate in Moreno Valley at $74 per month.

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Cheapest Minimum Liability Car Insurance in Moreno Valley

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Moreno Valley are given below.

CSAA provides the cheapest minimum car insurance coverage in Moreno Valley. Their Average 6 Month Premium is $171. 21st Century is the most expensive at $448 for the same period.

Cheapest Liability Coverage in Moreno Valley, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$171	$29
AAA	$303	$51
USAA	$316	$53
AAA NorCal	$330	$56
AAA SoCal	$376	$64
Progressive	$383	$64
Auto Club	$389	$67
State Farm	$402	$68
Wawanesa	$408	$69
Mercury	$435	$73
Allstate	$468	$79
Farmers	$561	$93
Kemper	$310	$52
Capital Insurance Group	$336	$58
State National	$356	$61
National General	$442	$73
21st Century	$448	$77

Cheapest Full Coverage Car Insurance in Moreno Valley

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Moreno Valley is CSAA at $120 per month and $713 for six months.

Cheapest Full Coverage Car Insurance Quotes in Moreno Valley, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$713	$120
USAA	$904	$152
Mercury	$956	$161
AAA SoCal	$1048	$179
Progressive	$1101	$185
Allstate	$1207	$203
Wawanesa	$1213	$204
AAA NorCal	$1227	$209
Auto Club	$1265	$211
State Farm	$1339	$225
AAA	$1523	$254
Kemper	$1576	$268
Farmers	$1760	$293
Capital Insurance Group	$785	$131
National General	$798	$135
State National	$811	$135
Hartford	$857	$145

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Average Car Insurance in Moreno Valley by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Moreno Valley, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Moreno Valley, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Moreno Valley's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Moreno Valley

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$649
30s	Wawanesa	$524
40s	Wawanesa	$524
50s	Wawanesa	$524
60s	Wawanesa	$524
70s	Wawanesa	$513

Cheapest Car Insurance Rates for Teen Drivers in Moreno Valley,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Moreno Valley at $43 per month. At $435 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$258	$43
Capital Insurance Group	$581	$97
USAA	$1384	$233
Mercury	$1404	$236
Wawanesa	$1543	$262
Progressive	$1615	$272
CSAA	$1945	$327
State Farm	$2308	$389
AAA SoCal	$2499	$425
Allstate	$2677	$451
Auto Club	$2855	$485
AAA NorCal	$3804	$634
Farmers	$3884	$660
State National	$415	$69
Marcury	$435	$74

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Moreno Valley.

As young drivers face the highest rates in Moreno Valley, Wawanesa offers the cheapest auto insurance rates at $649 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Moreno Valley.

Car Insurance Rates with An Accident in Moreno Valley

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Moreno Valley, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Moreno Valley

The cheapest car insurance companies after an at-fault accident in Moreno Valley include AAA and Capital Insurance Group, offering $422 and $606, respectively. 21st Century is an expensive provider with an average six-month premium of $758.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$422	$71
Capital Insurance Group	$606	$103
CSAA	$811	$137
USAA	$1213	$204
Progressive	$1404	$236
Mercury	$1490	$253
Wawanesa	$1714	$285
AAA SoCal	$1800	$306
Auto Club	$1899	$316
Farmers	$1951	$329
State Farm	$2321	$391
AAA NorCal	$2485	$423
Allstate	$2987	$503
State National	$501	$83
Hartford	$581	$99
National General	$666	$111
Nationwide	$718	$122
21st Century	$758	$127

Moreno Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Moreno Valley CA. For example, the car insurance in Moreno Valley after a DUI increases to $1931 for a six month policy. While the rate increases by $507 for a six-month policy in the case of a speeding ticket.

Moreno Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1207	$201
Not-at-fault accident	$1207	$205
One comp claim	$1207	$201
One Med/PIP claim	$1207	$205
Two comp claims	$1207	$201
Two Med/PIP claims	$1207	$205
At-fault accident - less than $1000	$1233	$205
Failure to show documents	$1590	$270
Driving with expired registration	$1622	$271
Driving without lights	$1622	$275
Failure to wear a seat belt	$1628	$272
Child safety restraint	$1642	$279
Speeding 11 - 15 MPH over limit	$1707	$284
Speeding 16 - 20 MPH over limit	$1707	$291
Driving too slowly	$1714	$285
Failure to stop at a red light	$1714	$292
Failure to yield	$1714	$285
Following too closely	$1714	$292
Illegal turn	$1714	$285
In 65 MPH zone	$1714	$292
Speeding 21 - 25 MPH over limit	$1714	$285
Speeding 6 - 10 MPH over limit	$1714	$292
Speeding in school zone	$1714	$285
Improper passing	$1721	$293
Cell phone violation	$1727	$287
Texting while driving	$1727	$294
Passing school bus	$1747	$291
Wrong way/wrong lane	$2044	$347
Operating a vehicle without permission	$2090	$349
At-fault accident - $1000-$2000	$2103	$357
At-fault accident - greater than $2000	$2103	$351
Open container	$2110	$359
Driving with a suspended license	$2446	$407
Reckless driving	$2980	$507
Racing	$3014	$502
Leaving scene of an accident/hit and run	$3026	$515
DUI	$3138	$523
Refusal to submit to a chemical test	$3138	$534

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Moreno Valley after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Moreno Valley.

The cheapest car insurance premiums in Moreno Valley are offered by AAA at $830 for a six-month policy. However, it can be as expensive as $699 with companies like Kemper.

Moreno Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$830	$141
Capital Insurance Group	$904	$151
Mercury	$1074	$181
Progressive	$1590	$268
Wawanesa	$1931	$329
Farmers	$2050	$345
USAA	$2182	$367
CSAA	$2308	$389
AAA SoCal	$3337	$567
Auto Club	$3817	$636
AAA NorCal	$4398	$748
State Farm	$4694	$790
Allstate	$4833	$814
Travelers	$930	$155
National General	$435	$72
Kemper	$699	$117

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Moreno Valley are offered by CSAA at $105. However, it can be as expensive as $501 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Moreno Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$105	$18
Capital Insurance Group	$581	$97
Mercury	$989	$167
USAA	$1036	$172
Progressive	$1114	$188
AAA NorCal	$1543	$258
AAA SoCal	$1655	$282
Allstate	$1702	$283
State Farm	$1800	$306
Farmers	$2492	$415
AAA	$323	$54
Kemper	$408	$70
National General	$435	$72
State National	$501	$85

Car Insurance Price Trends in Moreno Valley, California

Car insurance rates in Moreno Valley have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Moreno Valley rose by $213 in December compared to $211 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Moreno Valley rose to $60 in December, compared to $58 in November. This represents an increase of $2 when comparing December and November.

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Average Car Insurance Cost in Moreno Valley by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Moreno Valley. At $1526 for a six-month policy, insuring your car at 92553 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
92553	$1526	$256
92551	$1301	$218
92557	$1402	$235
92555	$1357	$228

Frequently Asked Questions

How much is car insurance in Moreno Valley?

The car insurance in Moreno Valley is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Moreno Valley?

The cheapest car insurance in Moreno Valley is $120 per month for full coverage.

How much is car insurance in Moreno Valley for teenagers?

Car insurance for teenagers costs $258 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Moreno Valley?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $189 per month to insure your car in Moreno Valley.

Is car insurance expensive in Moreno Valley?

Car insurance can be expensive in Moreno Valley if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Moreno Valley can be affordable.

Cheapest Car Insurance Quotes in Moreno Valley

Why you can trust Way?

How Much Is Car Insurance in Moreno Valley

Avg. Car Insurance in Moreno Valley

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Moreno Valley

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Moreno Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Moreno Valley, CA

Way's key takeaways about car insurance in Moreno Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Moreno Valley

Cheapest Liability Coverage in Moreno Valley, CA

Cheapest Full Coverage Car Insurance in Moreno Valley

Cheapest Full Coverage Car Insurance Quotes in Moreno Valley, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Moreno Valley by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Moreno Valley, CA increasing?

Car Insurance Premiums by Age in Moreno Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Moreno Valley,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Moreno Valley.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Moreno Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Moreno Valley

Moreno Valley Car Insurance Rates by Violation

Moreno Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Moreno Valley after a DUI

Moreno Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Moreno Valley after Speeding ticket

Car Insurance Price Trends in Moreno Valley, California

Average Car Insurance Cost in Moreno Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Moreno Valley, CA

Car Insurance Rates by State in the USA (2025 Update)

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