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What is the average cost of car insurance in Murrieta?


The typical Murrieta driver pays $1,764 per year for car insurance coverage. That's cheaper than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Murrieta.

Murrieta Average (annual) California Average United States Average
$1,764 $1,868 $1,548
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Murrieta auto insurance rates by company


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Murrieta, GEICO offers the cheapest premiums for the typical insurance buyer. See below the best companies for cheap auto insurance in Murrieta — but don't forget to get personalized car insurance quotes to match your driving profile. You can also check out our list of the top car insurance companies based in part on The Zebra's Customer Satisfaction Survey.

Insurance Company Average Annual Rate
GEICO $1,183
Mercury $1,279
AAA $1,504
Infinity $1,707
Alliance $1,810

Consult our expert guide to finding the best cheap car insurance.


Murrieta auto insurance premiums by age

Murrieta drivers in their 60s enjoy relatively affordable auto insurance rates, paying just $1,575 per year, on average. Those in their 50s don't pay much more ($1,585).

The Murrieta drivers facing the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Murrieta is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Murrieta is $3,897, the largest such difference between any two age brackets.

Age bracket Average Yearly Rate
Teenagers $6,498
20s $2,601
30s $1,717
40s $1,661
50s $1,585
60s $1,575
70s $1,829

Learn more about the impact of age on auto insurance rates.


Murrieta auto insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Murrieta pay $72 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Murrieta, single drivers pay more than those who are widowed.

Gender is another factor that can influence auto insurance rates. In Murrieta, female drivers pay more for auto insurance than do male drivers: $3 per year, to be precise.

Marital Status/Gender Average Annual Rate
Female $1,767
Male $1,764
Single $1,693
Married $1,693
Divorced $1,764
Widowed $1,717

Read more about the relationships between gender, marital status and insurance rates.


Murrieta car insurance costs by violation history


Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Murrieta, a reckless driving citation results in an average insurance rate increase of $3,052 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,962 increase and a speeding ticket triggers a $716 rate hike.

Violation/Incident Average Annual Rate
DWI/DUI $4,726
Reckless Driving $4,816
At-fault Accident (damages < $1,000) $1,771
At-fault Accident (damages > $2,000) $3,083
Speeding Ticket (16-20 mph over speed limit) $2,480

Get more info on how a bad driving history can impact your car insurance costs.


Murrieta auto insurance rates by credit tier


It's no secret credit score is closely correlated with auto insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment.

However, your credit score won't make an impact on what you pay in premium in Murrieta. This is because California is one of a few states that have restricted insurers from using drivers' credit scores as a rating factor, viewing it as a discriminatory practice.

Learn more about the relationship between poor credit and car insurance.


Compare now and find a cheap policy today!

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.