Moreno Valley, CA Car Insurance
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By Sandra Cruz | Updated March 9, 2021
The average monthly car insurance cost in Moreno Valley is $160. However, a drivers's location, marital status, gender, and age are typically considered when providing a specific quote. Thus, prices typically vary.
The average annual car insurance cost in Moreno Valley is $1,925. It is more expensive than the statewide average of $1,859 and the nation's average of $1,545. The driver's unique profile influences the overall car insurance rate in Moreno Valley. Thus, it is best to compare multiple car insurance companies in Moreno Valley to find the best deal that fits your individual driving profile.
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Moreno Valley Car Insurance Rates by Companies with Most Affordable Rates
Identifying the best car insurance company for your driving profile can help you save on your annual premiums. Looking for the cheapest auto insurance company in Moreno Valley may not always be a viable option if you reside in locations where theft, crime, and other potential driving hazards are common. Additionally, if you have been in an at-fault accident in the past, it will lead to a significant increase in your rates. However, if you have a clean driving history, it is likely for your insurance company to give you reasonable rates. GEICO offers the cheapest car insurance rates around Moreno Valley.
Moreno Valley Car Insurance Rates By Company
| Company Name | Monthly Rate | Yearly Rate |
|---|---|---|
| GEICO | $109 | $1,311 |
| Alliance | $115 | $1,379 |
| Mercury | $147 | $1,767 |
| AAA | $141 | $1,694 |
| Infinity | $163 | $1,954 |
Moreno Valley Car Insurance Premiums by Age
Moreno Valley drivers in their thirties to sixties pay cheaper auto insurance premiums compared to drivers ages seventy and above. However, teenage drivers in Moreno Valley pay the highest rates because they are considered higher-risk drivers. Teenagers will be given a substantial rate adjustment on their 20th and 25th birthdays as they gain more experience on the road.
Moreno Valley Car Insurance Rates by Age Group
| AGE GROUP | Monthly Rate | Annual Rate |
|---|---|---|
| Teenagers | $587 | $7,047 |
| 20s | $236 | $2,833 |
| 30s | $156 | $1,866 |
| 40s | $150 | $1,803 |
| 50s | $143 | $1,721 |
| 60s | $142 | $1,707 |
| 70s | $165 | $1,974 |
Moreno Valley Auto Insurance Rates by Marital Status and Gender
Marital status and gender also influence car insurance rates in Moreno Valley. Married and widowed drivers pay lower premiums in comparison to single drivers. Married individuals are considered responsible drivers and more financially stable than single drivers. Thus, married drivers in Moreno Valley pay more affordable rates.
Moreno Valley Auto Insurance Cost by Marital Status and Gender
| Gender | Monthly Rate | Yearly Rate |
|---|---|---|
| Female | $160 | $1,925 |
| Male | $160 | $1,925 |
| Marital Status | Monthly Rate | Yearly Rate |
|---|---|---|
| Single | $154 | $1,845 |
| Married | $154 | $1,845 |
| Divorced | $160 | $1,925 |
| Widowed | $156 | $1,866 |
Moreno Valley Auto Insurance Premiums by Violation
Moreno Valley car insurance companies account for your driving record when providing specific quotes. If you receive citations for driving recklessly or speeding in Moreno Valley, your insurance premium will increase.
Expect an average increase of $3,336 on your annual rate if you are caught driving irresponsibly, as well as an additional $791 for speeding tickets. As for DWI or DUI violators, an additional fee of $3,255 will be added to your annual rate. Therefore, it is vital to keep a clean driving history to access more affordable car insurance rates in Moreno Valley.
Moreno Valley Car Insurance Rates by Violation Record
| Violation | Monthly Rate | Annual Rate |
|---|---|---|
| DWI/DUI | $431 | $5,169 |
| Reckless Driving | $439 | $5,267 |
| At-Fault Accident (less than $1000 damages) | $161 | $1,933 |
| At-Fault Accident (greater than $2000 damages) | $280 | $3,364 |
| Speeding Ticket (over 16-20 mph over speeding limit) | $226 | $2,714 |
Moreno Valley Car Insurance Rates by Credit Tier
The credit tier in Moreno Valley is not included in determining the increase or decrease of car insurance rates. Credit level as a basis is considered discriminatory by lawmakers in California; hence, it is not used by insurers in providing quotes. Thus, your credit tier does not affect your specific quote.
Moreno Valley, CA Driving and Climate Conditions
Weather conditions can cause car accidents in Moreno Valley. Many drivers experience wet brakes, slick roads, low-visibility, and other driving hazards due to weather. An average of 710,000 accidents take place around the state of California annually. Additionally, Moreno Valley experiences a number of rainy days per year, as well as occasional wildfires and earthquakes. These weather-induced conditions are one of the reasons for car accidents in the city and therefore influence the average auto insurance rates.
List of Cheap Car Insurance Companies in Moreno Valley
Moreno Valley Car Insurance FAQs
How can I receive my vehicle insurance card in Moreno Valley?
It is best to contact or talk to a Customer Representative and address your issue. You may also refer to your policy declaration page to learn the essential steps to obtain your insurance card.
How do I obtain an Auto Insurance quote in Moreno Valley?
You can contact one of their independent local agents around your area or go to multiple car insurance providers' websites and acquire your online quote.
What is the coverage of liability protection in Moreno Valley?
Basically, your insurance provider will pay for the damages you caused to someone else's property or vehicle and physical impairments.
I totaled a rental car in Moreno Valley. What coverage am I entitled to?
Every insurance company has different policies regarding the at-fault accident. It is best to contact your agent and report the issue. However, most companies will cover your rental cost while your car is under repair.
How can I acquire affordable auto insurance in Moreno Valley?
It typically depends on your unique driver profile and how you purchased the policy. If you pay it in full upfront, some companies will provide discounts.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.