Murrieta, CA Car Insurance

The average premium in Murrieta is slightly cheaper than the California state average. Learn how to save on auto insurance in our guide.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

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.

 
AUTO INSURANCE COSTS: MURRIETA VS. STATE AND US AVERAGES
Murrieta Average (annual)California AverageUnited States Average
$1,764$1,868$1,548
 
Jump to Murrieta car insurance rates by:

 

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.

 
MURRIETA CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage 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.

 
MURRIETA AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage 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.

 
MURRIETA CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage 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.

 
MURRIETA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage 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!

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.