Compare Moraga, CA Car Insurance Rates (2021)

Car insurance in Moraga, CA averages $305 a month. Moraga, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Moraga car insurance rates, compare quotes from the top car insurance companies in Moraga, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Moraga is 94556
  • The cheapest car insurance company in Moraga is USAA
  • The cheapest car insurance company in Moraga for teen drivers is USAA

If you need to buy Moraga, California car insurance, the options can be confusing. Everything you need to know about car insurance in Moraga, CA is right here.

You’ll find Moraga car insurance rates, the cheapest Moraga, CA car insurance companies, and information on California car insurance laws. You can also compare Moraga, California car insurance rates to Bakersfield car insurance rates, Los Angeles car insurance rates, and Sacramento car insurance rates.

Ready to find affordable Moraga, CA car insurance today? Enter your ZIP code for fast, free Moraga car insurance quotes.

Cheapest Moraga, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Moraga, CA car insurance rates? Every Moraga, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Moraga, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,909 $2,909 $2,123 $2,141 $8,123 $10,216 $3,717 $4,074
Farmers $2,558 $2,558 $2,312 $2,312 $8,226 $13,498 $3,039 $3,389
GEICO $1,899 $1,900 $1,786 $1,786 $5,788 $5,880 $2,729 $2,785
Liberty Mutual $2,196 $2,084 $2,045 $1,984 $4,866 $5,157 $2,483 $2,493
Nationwide $3,349 $3,194 $2,927 $2,756 $8,643 $9,507 $4,031 $3,979
Progressive $1,811 $1,864 $1,545 $1,831 $4,878 $5,865 $2,610 $2,804
State Farm $3,209 $3,209 $2,867 $2,867 $5,897 $7,300 $3,555 $3,667
Travelers $2,493 $2,411 $2,205 $2,182 $5,187 $5,923 $3,243 $3,175
USAA $1,863 $1,767 $1,813 $1,823 $4,258 $4,287 $2,579 $2,441

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Minimum Car Insurance in Moraga, CA

Every driver must carry the minimum car insurance in Moraga, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Moraga, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Moraga, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Moraga, CA to rates for a clean record with top companies.

Annual Moraga, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,729 $4,588 $7,209 $3,580
Farmers $3,502 $4,768 $5,939 $4,737
GEICO $2,144 $3,317 $4,154 $2,660
Liberty Mutual $2,530 $3,389 $3,056 $2,680
Nationwide $3,349 $4,292 $7,261 $4,292
Progressive $1,899 $3,233 $3,734 $2,738
State Farm $2,904 $3,464 $6,546 $3,371
Travelers $2,237 $3,641 $4,238 $3,295
USAA $1,730 $2,577 $4,213 $1,895

Cheapest Moraga, CA Car Insurance for Teen Drivers

Teen car insurance in Moraga, CA can be expensive. Take a look at rates from the top car insurance companies in Moraga for teenagers.

Annual Car Insurance Rates for Teen Drivers in Moraga, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,123 $10,216
Farmers $8,226 $13,498
GEICO $5,788 $5,880
Liberty Mutual $4,866 $5,157
Nationwide $8,643 $9,507
Progressive $4,878 $5,865
State Farm $5,897 $7,300
Travelers $5,187 $5,923
USAA $4,258 $4,287

Cheapest Moraga, CA Car Insurance for Seniors

Take a look at Moraga, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Moraga, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,123 $2,141
Farmers $2,312 $2,312
GEICO $1,786 $1,786
Liberty Mutual $2,045 $1,984
Nationwide $2,927 $2,756
Progressive $1,545 $1,831
State Farm $2,867 $2,867
Travelers $2,205 $2,182
USAA $1,813 $1,823

Cheapest Moraga, CA Car Insurance Rates After a DUI

A DUI in Moraga, CA increases car insurance rates. Compare Moraga, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Moraga, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,209
Farmers $5,939
GEICO $4,154
Liberty Mutual $3,056
Nationwide $7,261
Progressive $3,734
State Farm $6,546
Travelers $4,238
USAA $4,213

Cheapest Moraga, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Moraga, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Moraga, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,081 $4,972
Farmers $4,297 $5,176
GEICO $2,788 $3,351
Liberty Mutual $2,677 $3,150
Nationwide $4,236 $5,361
Progressive $2,629 $3,173
State Farm $3,925 $4,217
Travelers $3,014 $3,691
USAA $2,400 $2,808

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Cheapest Moraga, CA Car Insurance Rates by ZIP Code

Moraga car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Moraga, CA.

Annual Car Insurance Rates by ZIP Code in Moraga, California

ZIP Code Average Annual Rates
94556 $4,712
94575 $5,326

The Best Cheap Car Insurance Companies in Moraga, CA

Take a look at a side-by-side comparison of the top car insurance companies in Moraga, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Moraga, California

Insurance Company Average Annual Rates
Allstate $4,527
Farmers $4,737
GEICO $3,069
Liberty Mutual $2,913
Nationwide $4,798
Progressive $2,901
State Farm $4,071
Travelers $3,352
USAA $2,604

Category Winners: Cheapest Car Insurance in Moraga, California

Find the cheapest car insurance companies in Moraga, CA for each category right here.

Best Annual Car Insurance Rates by Company in Moraga, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Moraga, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Moraga car insurance rates. Find the cheapest Moraga, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Moraga, California

Insurance Company Low Medium High
Allstate $4,282 $4,566 $4,732
Farmers $4,420 $4,775 $5,014
GEICO $2,779 $3,106 $3,322
Liberty Mutual $2,730 $2,940 $3,070
Nationwide $4,346 $4,892 $5,157
Progressive $2,586 $2,996 $3,120
State Farm $3,709 $4,135 $4,370
Travelers $2,926 $3,448 $3,683
USAA $2,367 $2,653 $2,791

What affects car insurance rates in Moraga, California?

What factors can have an impact on Moraga, CA car insurance? There are several reasons why Moraga car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Moraga, California.

Car Theft in Moraga

High levels of vehicle theft can make car insurance more expensive. Moraga, CA car theft statistics from the FBI indicate 7 vehicle thefts a year.

Commute Time in Moraga

The more time you spend in your car the higher the risk of an accident. The average commute length in Moraga, CA is 33.6 minutes according to City-Data.

Compare Car Insurance Quotes in Moraga, CA

Ready to find affordable Moraga, California car insurance today? Enter your ZIP code for fast, free Moraga, CA car insurance quotes.

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