Compare Moreno Valley, CA Car Insurance Rates (2021)

The average annual car insurance rates in Moreno Valley, CA are around $3,897, or $324/mo. The cheapest car 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 quotes online to get the best price for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Mar 4, 2021

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Here's What You Need to Know

  • The average annual car insurance rates for Moreno Valley, CA are $3,897.29 ($324.75/mo)
  • The cheapest car insurance company in Moreno Valley, CA is USAA
  • Moreno Valley, CA car insurance 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 car 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 car insurance by shopping around, comparing rates, and looking for discounts, and we can help.

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

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

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

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

The top car insurance companies in Moreno Valley, CA, ranked from cheapest to most expensive 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.

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

All Moreno Valley drivers have to meet the California state law minimum requirements to buy car 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 drivers carry more than the state minimum.

What affects car 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 car 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.

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

Moreno Valley, CA car Insurance: The Bottom Line

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

Before you buy car 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 car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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