The typical auto insurance policy costs $160 per month in Moreno Valley. Are you paying too much?
The average cost of auto insurance in Moreno Valley is $1,931 per year. That's more than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to car insurance in Moreno Valley — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
|Moreno Valley Average (yearly)||California Average||National Average|
One of the most important determinants of your car insurance rates is the insurance company you work with. In Moreno Valley, GEICO provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in Moreno Valley — but don't forget to get personalized car insurance quotes to match your driving profile.
The age group that pays the least for car insurance in Moreno Valley are drivers in their 60s ($1,714 per year). Drivers in their 50s pay marginally higher rates — $1,729 per year.
Teenage drivers pay Moreno Valley's most expensive insurance rates. When drivers hit their 20s in Moreno Valley and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Moreno Valley is $4,207. That's the biggest gap in premiums between any pair of age brackets.
|Age||Average Annual Rate|
Marital status and gender are contributing factors to car insurance rates in many cases. In Moreno Valley, married drivers pay $79 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims.
Gender is another factor that may impact auto insurance costs. In Moreno Valley, female and male drivers pay the same premiums, on average.
|Marital Status/Gender||Average Annual Rate|
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Moreno Valley drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $3,356 per year versus the city average. A ticket for speeding results in a $792 rate hike, on average, while a DUI violation can cost $3,267 per year in insurance premiums.
|Violation/Incident||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,938|
|At-fault Accident (damages > $2,000)||$3,374|
|Speeding Ticket (16-20 mph over speed limit)||$2,723|
A driver's credit level can be closely correlated with their auto insurance rates. However, California forbids auto insurance companies from using a driver's credit history to price premiums.