Cheapest Car Insurance Quotes in Rancho Murieta

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Rancho Murieta Car Insurance

^$ 24

/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 Rancho Murieta

The car insurance rate in Rancho Murieta is $1158 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $597, making it a popular choice for budget-conscious drivers. Rates in Rancho Murieta 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 Rancho Murieta

$1158

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Rancho Murieta

1st place: CSAA

At $597 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $956 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $972 for six months, making it the third cheapest auto insurance company in Rancho Murieta.

Rancho Murieta Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rancho Murieta, CA is CSAA, offering policies at just $597 for a six-month term. This is followed by Mercury, which has an average six-month premium of $956.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1276 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rancho Murieta drivers find the best deals.

Cheap Car Insurance Companies in Rancho Murieta, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$597	$100
Mercury	$956	$161
AAA NorCal	$972	$166
Progressive	$972	$164
Wawanesa	$1016	$171
USAA	$1033	$174
Auto Club	$1060	$180
Allstate	$1182	$199
AAA SoCal	$1248	$212
Kemper	$1321	$220
State Farm	$1415	$238
Travelers	$1580	$263
Farmers	$1586	$270
AAA	$1276	$213

Key Takeaways

Way's key takeaways about car insurance in Rancho Murieta

The auto insurance costs in Rancho Murieta fall around $597 for six months.
The cheapest auto insurance company in Rancho Murieta is CSAA.
Teen drivers pay the highest rate in Rancho Murieta at $561 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Rancho Murieta

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 Rancho Murieta are given below.

CSAA provides the cheapest minimum car insurance coverage in Rancho Murieta. Their Average 6 Month Premium is $143. Travelers is the most expensive at $607 for the same period.

Cheapest Liability Coverage in Rancho Murieta, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$143	$24
AAA NorCal	$237	$40
USAA	$271	$46
Progressive	$321	$54
Auto Club	$326	$54
Wawanesa	$342	$58
AAA	$392	$65
AAA SoCal	$398	$68
Mercury	$398	$67
State Farm	$436	$73
Allstate	$503	$85
Farmers	$541	$92
Travelers	$607	$101

Cheapest Full Coverage Car Insurance in Rancho Murieta

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 Rancho Murieta is CSAA at $100 per month and $597 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rancho Murieta, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$597	$100
Mercury	$956	$161
AAA NorCal	$972	$166
Progressive	$972	$164
Wawanesa	$1016	$171
USAA	$1033	$174
Auto Club	$1060	$180
Allstate	$1182	$199
AAA SoCal	$1248	$212
Kemper	$1321	$220
State Farm	$1415	$238
Travelers	$1580	$263
Farmers	$1586	$270
AAA	$1276	$213

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Average Car Insurance in Rancho Murieta 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 Rancho Murieta, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Rancho Murieta, 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, Rancho Murieta's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Rancho Murieta

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	$558
30s	Wawanesa	$450
40s	Wawanesa	$450
50s	Wawanesa	$450
60s	Wawanesa	$450
70s	Wawanesa	$441

Cheapest Car Insurance Rates for Teen Drivers in Rancho Murieta,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Rancho Murieta at $66 per month. At $3364 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$387	$66
Capital Insurance Group	$486	$81
USAA	$1265	$213
Wawanesa	$1293	$216
Progressive	$1481	$249
Mercury	$1535	$259
CSAA	$1629	$274
Auto Club	$2392	$399
State Farm	$2441	$411
Allstate	$2839	$478
AAA SoCal	$3005	$511
AAA NorCal	$3044	$507
Travelers	$3160	$538
Farmers	$3364	$561

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 Rancho Murieta.

As young drivers face the highest rates in Rancho Murieta, Wawanesa offers the cheapest auto insurance rates at $558 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 Rancho Murieta.

Car Insurance Rates with An Accident in Rancho Murieta

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 Rancho Murieta, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Rancho Murieta

The cheapest car insurance companies after an at-fault accident in Rancho Murieta include AAA and Capital Insurance Group, offering $348 and $508, respectively. Allstate is an expensive provider with an average six-month premium of $3209.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$348	$58
Capital Insurance Group	$508	$86
CSAA	$680	$114
USAA	$1116	$188
Mercury	$1221	$206
Progressive	$1276	$215
Wawanesa	$1436	$239
Auto Club	$1591	$271
Farmers	$1740	$293
AAA NorCal	$1973	$336
AAA SoCal	$2138	$356
State Farm	$2525	$425
Travelers	$3044	$507
Allstate	$3209	$540

Rancho Murieta Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rancho Murieta CA. For example, the car insurance in Rancho Murieta after a DUI increases to $1618 for a six month policy. While the rate increases by $425 for a six-month policy in the case of a speeding ticket.

Rancho Murieta auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1011	$168
Not-at-fault accident	$1011	$172
One comp claim	$1011	$168
One Med/PIP claim	$1011	$172
Two comp claims	$1011	$168
Two Med/PIP claims	$1011	$172
At-fault accident - less than $1000	$1033	$172
Failure to show documents	$1332	$226
Driving with expired registration	$1359	$227
Driving without lights	$1359	$231
Failure to wear a seat belt	$1364	$228
Child safety restraint	$1375	$233
Speeding 11 - 15 MPH over limit	$1430	$238
Speeding 16 - 20 MPH over limit	$1430	$244
Driving too slowly	$1436	$239
Failure to stop at a red light	$1436	$245
Failure to yield	$1436	$239
Following too closely	$1436	$245
Illegal turn	$1436	$239
In 65 MPH zone	$1436	$245
Speeding 21 - 25 MPH over limit	$1436	$239
Speeding 6 - 10 MPH over limit	$1436	$245
Speeding in school zone	$1436	$239
Improper passing	$1442	$246
Cell phone violation	$1447	$241
Texting while driving	$1447	$246
Passing school bus	$1464	$244
Wrong way/wrong lane	$1712	$291
Operating a vehicle without permission	$1751	$292
At-fault accident - $1000-$2000	$1762	$299
At-fault accident - greater than $2000	$1762	$294
Open container	$1768	$300
Driving with a suspended license	$2050	$341
Reckless driving	$2497	$425
Racing	$2525	$420
Leaving scene of an accident/hit and run	$2535	$432
DUI	$2629	$438
Refusal to submit to a chemical test	$2629	$447

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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 Rancho Murieta 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 Rancho Murieta.

The cheapest car insurance premiums in Rancho Murieta are offered by Capital Insurance Group at $757 for a six-month policy. However, it can be as expensive as $696 with companies like AAA.

Rancho Murieta car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$757	$126
Mercury	$1083	$182
Progressive	$1436	$242
Wawanesa	$1618	$275
Farmers	$1817	$306
CSAA	$1933	$326
USAA	$1994	$336
Travelers	$2265	$381
Auto Club	$3198	$533
AAA NorCal	$3497	$594
AAA SoCal	$3922	$654
State Farm	$4977	$838
Allstate	$5071	$854
AAA	$696	$118

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 Rancho Murieta are offered by CSAA at $88. However, it can be as expensive as $2431 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Rancho Murieta after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$88	$15
Capital Insurance Group	$486	$83
Mercury	$1044	$176
USAA	$1066	$181
Progressive	$1071	$180
AAA NorCal	$1232	$209
AAA SoCal	$1707	$285
Allstate	$2165	$368
Farmers	$2254	$376
State Farm	$2409	$409
Travelers	$2431	$405

Car Insurance Price Trends in Rancho Murieta, California

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

The average cost of full coverage in the Rancho Murieta rose by $197 in January compared to $179 of December. In other words, there has been an increase by $18 when you compare January and December.

The average cost of liability insurance in the Rancho Murieta rose to $57 in January, compared to $51 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Rancho Murieta?

The car insurance in Rancho Murieta is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Rancho Murieta?

The cheapest car insurance in Rancho Murieta is $100 per month for full coverage.

How much is car insurance in Rancho Murieta for teenagers?

Car insurance for teenagers costs $387 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 Rancho Murieta?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $194 per month to insure your car in Rancho Murieta.

Is car insurance expensive in Rancho Murieta?

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

Cheapest Car Insurance Quotes in Rancho Murieta

Why you can trust Way?

How Much Is Car Insurance in Rancho Murieta

Avg. Car Insurance in Rancho Murieta

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Rancho Murieta

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Rancho Murieta Car Insurance Rates by Company

Cheap Car Insurance Companies in Rancho Murieta, CA

Way's key takeaways about car insurance in Rancho Murieta

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rancho Murieta

Cheapest Liability Coverage in Rancho Murieta, CA

Cheapest Full Coverage Car Insurance in Rancho Murieta

Cheapest Full Coverage Car Insurance Quotes in Rancho Murieta, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rancho Murieta by Rating Factor

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

Car Insurance Premiums by Age in Rancho Murieta

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rancho Murieta,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Rancho Murieta.

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 Rancho Murieta

Cheapest Car Insurance Companies after an At-Fault Accident in Rancho Murieta

Rancho Murieta Car Insurance Rates by Violation

Rancho Murieta auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rancho Murieta after a DUI

Rancho Murieta car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rancho Murieta after Speeding ticket

Car Insurance Price Trends in Rancho Murieta, California

Average Car Insurance Cost in Rancho Murieta by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rancho Murieta, CA

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

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