Best Murrieta, CA Car Insurance in 2025
Car insurance in Murrieta, CA averages $293 a month. Murrieta, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Murrieta car insurance rates, compare quotes from the top car insurance companies in Murrieta, CA.
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Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Tonya Sisler
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated October 2024
- The cheapest ZIP code in Murrieta is 92562
- Average car insurance rates in Murrieta, CA after a DUI are $4,942/year
- Average car insurance rates in Murrieta, CA are $3,517/year
If you need to buy Murrieta, California car insurance, the options can be confusing. Everything you need to know about car insurance in Murrieta, CA is right here.
You’ll find Murrieta car insurance rates, the cheapest Murrieta, CA car insurance companies, and information on California car insurance laws. You can also compare Murrieta, California car insurance rates to Anaheim car insurance rates, Oakland car insurance rates, and San Jose car insurance rates.
Ready to find affordable Murrieta, CA car insurance today? Enter your ZIP code for fast, free Murrieta car insurance quotes.
Cheapest Murrieta, CA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Murrieta, CA car insurance rates? Every Murrieta, California car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,844 | $2,839 | $2,080 | $2,091 | $7,953 | $9,990 | $3,611 | $3,939 |
| Farmers | $2,529 | $2,529 | $2,284 | $2,284 | $8,086 | $13,238 | $2,999 | $3,341 |
| Geico | $1,720 | $1,720 | $1,617 | $1,617 | $5,234 | $5,317 | $2,470 | $2,521 |
| Liberty Mutual | $2,175 | $2,054 | $2,029 | $1,963 | $4,726 | $5,047 | $2,445 | $2,474 |
| Nationwide | $2,956 | $2,821 | $2,598 | $2,448 | $7,498 | $8,285 | $3,521 | $3,473 |
| Progressive | $1,835 | $1,889 | $1,581 | $1,869 | $4,978 | $5,984 | $2,667 | $2,867 |
| State Farm | $3,059 | $3,059 | $2,733 | $2,733 | $5,661 | $7,035 | $3,386 | $3,489 |
| Travelers | $2,312 | $2,237 | $2,049 | $2,028 | $4,784 | $5,451 | $3,002 | $2,933 |
| USAA | $1,991 | $1,885 | $1,943 | $1,951 | $4,529 | $4,560 | $2,758 | $2,605 |
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Minimum Car Insurance in Murrieta, CA
Every driver must carry the minimum car insurance required by the state in Murrieta, CA. Take a look at the California car insurance requirements.
| 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 Murrieta, CA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Murrieta, CA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,670 | $4,469 | $7,037 | $3,498 |
| Farmers | $3,448 | $4,693 | $5,843 | $4,660 |
| Geico | $1,941 | $3,001 | $3,759 | $2,407 |
| Liberty Mutual | $2,486 | $3,330 | $3,006 | $2,635 |
| Nationwide | $2,932 | $3,760 | $6,349 | $3,760 |
| Progressive | $1,929 | $3,297 | $3,829 | $2,781 |
| State Farm | $2,781 | $3,315 | $6,255 | $3,226 |
| Travelers | $2,072 | $3,372 | $3,908 | $3,046 |
| USAA | $1,845 | $2,747 | $4,497 | $2,021 |
Cheapest Murrieta, CA Car Insurance for Teen Drivers
Teen car insurance in Murrieta, CA can be expensive. Take a look at rates from the top car insurance companies in Murrieta for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,953 | $9,990 |
| Farmers | $8,086 | $13,238 |
| Geico | $5,234 | $5,317 |
| Liberty Mutual | $4,726 | $5,047 |
| Nationwide | $7,498 | $8,285 |
| Progressive | $4,978 | $5,984 |
| State Farm | $5,661 | $7,035 |
| Travelers | $4,784 | $5,451 |
| USAA | $4,529 | $4,560 |
Cheapest Murrieta, CA Car Insurance for Seniors
Take a look at Murrieta, CA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,080 | $2,091 |
| Farmers | $2,284 | $2,284 |
| Geico | $1,617 | $1,617 |
| Liberty Mutual | $2,029 | $1,963 |
| Nationwide | $2,598 | $2,448 |
| Progressive | $1,581 | $1,869 |
| State Farm | $2,733 | $2,733 |
| Travelers | $2,049 | $2,028 |
| USAA | $1,943 | $1,951 |
Cheapest Murrieta, CA Car Insurance Rates After a DUI
A DUI in Murrieta, CA increases car insurance rates. Compare Murrieta, California car insurance after a DUI by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,037 |
| Farmers | $5,843 |
| Geico | $3,759 |
| Liberty Mutual | $3,006 |
| Nationwide | $6,349 |
| Progressive | $3,829 |
| State Farm | $6,255 |
| Travelers | $3,908 |
| USAA | $4,497 |
Cheapest Murrieta, CA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Murrieta, CA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,982 | $4,855 |
| Farmers | $4,229 | $5,093 |
| Geico | $2,522 | $3,032 |
| Liberty Mutual | $2,630 | $3,099 |
| Nationwide | $3,711 | $4,689 |
| Progressive | $2,685 | $3,232 |
| State Farm | $3,752 | $4,037 |
| Travelers | $2,792 | $3,407 |
| USAA | $2,561 | $2,995 |
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Cheapest Murrieta, CA Car Insurance Rates by ZIP Code
Murrieta car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Murrieta, CA.
| ZIP Code | Average Annual Rates |
|---|---|
| 92562 | $4,777 |
| 92563 | $4,847 |
The Best Cheap Car Insurance Companies in Murrieta, CA
Take a look at a side-by-side comparison of the top car insurance companies in Murrieta, CA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,418 |
| Farmers | $4,661 |
| Geico | $2,777 |
| Liberty Mutual | $2,864 |
| Nationwide | $4,200 |
| Progressive | $2,959 |
| State Farm | $3,894 |
| Travelers | $3,099 |
| USAA | $2,778 |
Category Winners: Cheapest Car Insurance in Murrieta, California
Find the cheapest car insurance companies in Murrieta, CA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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Cheapest Murrieta, CA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Murrieta car insurance rates. Find the cheapest Murrieta, CA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,163 | $4,459 | $4,632 |
| Farmers | $4,338 | $4,699 | $4,947 |
| Geico | $2,496 | $2,811 | $3,024 |
| Liberty Mutual | $2,661 | $2,889 | $3,042 |
| Nationwide | $3,744 | $4,276 | $4,581 |
| Progressive | $2,611 | $3,055 | $3,210 |
| State Farm | $3,474 | $3,970 | $4,239 |
| Travelers | $2,694 | $3,186 | $3,419 |
| USAA | $2,525 | $2,831 | $2,977 |
What affects car insurance rates in Murrieta, California?
What are the factors that affect car insurance rates in Murrieta, CA? There are several reasons why Murrieta car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Murrieta, California.
Car Theft in Murrieta
High levels of vehicle theft can make car insurance more expensive. Murrieta, CA car theft statistics from the FBI indicate 226 vehicle thefts a year.
Commute Time in Murrieta
The more time you spend in your car the higher the risk of an accident. The average commute length in Murrieta, CA is 35.7 minutes according to City-Data.
Compare Car Insurance Quotes in Murrieta, CA
Ready to find affordable Murrieta, California car insurance today? Enter your ZIP code for fast, free Murrieta, CA car insurance quotes.
Frequently Asked Questions
How do I compare car insurance quotes in Murrieta, CA?
To compare car insurance quotes in Murrieta, CA, follow these steps:
- Gather your vehicle and personal information.
- Research and make a list of reputable insurance providers.
- Visit the websites of insurance companies or use online insurance comparison tools.
- Enter your information and obtain quotes from multiple insurers.
- Review the coverage options, deductibles, and premiums offered by each company.
- Consider factors like customer reviews, financial strength, and customer service reputation.
- Select the insurance policy that best meets your needs and budget.
What factors affect car insurance rates in Murrieta, CA?
Several factors influence car insurance rates in Murrieta, CA, including:
- Age and gender
- Driving record and claims history
- Type of vehicle and its safety features
- Annual mileage and usage patterns
- Credit history
- ZIP code and location
- Coverage limits and deductibles
Are there any specific car insurance requirements in Murrieta, CA?
In California, drivers must meet the following minimum car insurance requirements:
- $15,000 bodily injury liability coverage per person
- $30,000 bodily injury liability coverage per accident
- $5,000 property damage liability coverage
What additional coverage options should I consider in Murrieta, CA?
While the minimum liability coverage is required, you may also consider additional coverage options for better protection. These may include:
- Collision coverage: Covers damage to your vehicle caused by a collision, regardless of fault.
- Comprehensive coverage: Provides coverage for non-collision incidents like theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical payments coverage: Pays for medical expenses for you and your passengers in case of an accident.
How can I lower my car insurance premiums in Murrieta, CA?
To potentially lower your car insurance premiums in Murrieta, CA, consider the following:
- Maintain a good driving record and avoid accidents or traffic violations.
- Bundle your car insurance with other policies, such as homeowners or renters insurance.
- Increase your deductibles, but ensure you can afford to pay the out-of-pocket costs.
- Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or good student discounts.
- Install safety features in your vehicle, such as anti-theft devices or anti-lock brakes.
- Reduce your annual mileage or consider participating in a telematics program offered by some insurers.
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