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How much is car insurance in Murrieta?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Murrieta are about the same as the rest of California.
When compared to the national average, the cost for auto insurance in Murrieta is lower. It's around $25 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Although these are the average rates for auto insurance in Murrieta, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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 analyzed the average rate for Murrieta and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Murrieta.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Murrieta, however, the difference in monthly policy premiums is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Murrieta, a driving record with a single accident will usually get you a rate around $74 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $72.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$53|
|15 Years or Older||$59|
The cheapest vehicles to insure in Murrieta are typically SUVs, with each type typically costing about $54 per month.
SUV owners will see rates of about $54, while truck and van owners usually pay around $57 a month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Murrieta are vehicles fifteen years and older and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
More often than not, car insurance is slightly cheaper for married policyholders. 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 Murrieta can be as much as $5 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
One other element taken into consideration is your housing situation. In Murrieta, homeowners can expect to pay around $9 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Murrieta, CA
Recent trends in car insurance for Murrieta drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
Car insurance rates in Murrieta had been increasing from 2017-2018, when they reached a high of $62, but began to decrease from 2019-2020. They finished down in 2022, at $54 per month.
How does Murrieta compare to neighboring areas?
Why are car insurance rates in Murrieta different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Road Safety (frequency of local car accidents)
- Community regulations
- Off-street parking access
- Crime rates
- Number of drivers
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 Murrieta?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing plans in Murrieta.
Murrieta Insurance FAQs
What factors affect car insurance quotes in Murrieta?
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 driving record, credit score, address, and marital status.
Why is the cost of car insurance in Murrieta different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Murrieta?
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 Murrieta?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Murrieta or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?