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How much is car insurance in Moreno Valley?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Moreno Valley are about $4 a month cheaper than in the rest of California.
Compared to the national average cost of auto insurance coverage, Moreno Valley has lower rates. Car insurance rates for the U.S. as a whole are, on average, $28 more expensive than the rates you'd pay in Moreno Valley.
Bear in mind that while these rates are the average costs for residents of Moreno Valley, it doesn't mean that's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've broken down average rates for Moreno Valley to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may start to rise again in Moreno Valley.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While female drivers pay a little bit less than male drivers on their monthly auto insurance coverage, the difference in Moreno Valley is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Moreno Valley, drivers with one accident on their record will experience rates around $60 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $65.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$52|
|15 Years or Older||$50|
The cheapest vehicles to insure in Moreno Valley are by and large SUVs, with each type typically costing about $46 per month.
Car owners can expect to pay an average of around $53 a month for their policy, while truck and van drivers are usually around $48 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Moreno Valley, for example, are vehicles six-to-seven years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
Generally, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Moreno Valley is about $11 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $5 a month more than those who own their own home in Moreno Valley. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Moreno Valley, CA
Recent trends in car insurance for Moreno Valley drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Moreno Valley, the rates for car insurance increased from 2016-2017, when they reached a high of $60. This trend leveled out in 2018, when they began to decrease, and have continued on that path through 2021, when insurance rates hit a low of $47 per month.
How does Moreno Valley compare to neighboring areas?
Why are car insurance rates in Moreno Valley different from other areas?
Car insurance companies will take into account many factors when they're figuring out how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Number of car accidents
- Crime levels
- Local laws
- Access to off-street parking
- Total amount of drivers in the community
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Moreno Valley?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Moreno Valley.
Moreno Valley Insurance FAQs
What factors affect car insurance quotes in Moreno Valley?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Moreno Valley different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Moreno Valley?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Moreno Valley?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Moreno Valley or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?