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How much is car insurance in Moreno Valley?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Moreno Valley are about the same as what you would pay anywhere else in California.
When stacked up against the national average, the average monthly policy payment for Moreno Valley is more affordable. It's about $28 cheaper to insure your vehicle in Moreno Valley compared to the average rate for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for Moreno Valley, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've done the heavy lifting for you and broken down the average rate for Moreno Valley so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to auto insurance bills. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Moreno Valley may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Moreno Valley, the difference is around $4 a month. As illustrated in the table above, female drivers in the area pay about $51 on average, while male drivers pay around $55 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will obviously pay less than those with infractions. In Moreno Valley, a driving record with a single accident will usually get you a rate around $59 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $71.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$50|
In terms of affordable coverage, the cheapest vehicles to insure in Moreno Valley are typically SUVs, at $47 per month.
Truck and van drivers will see rates of about $49 for car insurance, while car owners by and large pay around $55 per month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is around 5 years old. In Moreno Valley, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
Generally, people who are married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Moreno Valley can be as much as $13 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Moreno Valley. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Moreno Valley, CA
Recent trends in car insurance for Moreno Valley drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
The rates for auto insurance in Moreno Valley dropped from 2017-2020, before leveling out in 2021. They finished down in 2022, at $52 a month
How does Moreno Valley compare to neighboring areas?
Why are car insurance rates in Moreno Valley different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Amount of drivers
- General road safety (how many accidents each locality has)
- Area laws
- Access to off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Moreno Valley?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer plans in Moreno Valley.
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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 credit score, driving record, address, 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 crime rates, local laws, 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?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Moreno Valley?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Moreno Valley or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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