Moreno Valley Car Insurance

The Zebra
May 30, 2018

Car Insurance in Moreno Valley

On average, premiums in California exceed the national average by 20%. Premiums run even higher in the city, so it is crucial to cut costs while insuring a vehicle in Moreno Valley. Keep some money in your pocket by following the tips below about how to save on car insurance in Moreno Valley.

  • City Average: $1,822
  • State Average: $1,713
  • National Average: $1,427

Moreno Valley Car Insurance by Marital Status

In Moreno Valley, marital status can affect your car insurance premiums. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being married, as opposed to single or divorced, can save you approximately 4% per year on car insurance.

  • Female: $1,822
  • Male: $1,822
  • Single: $1,822
  • Married: $1,742
  • Divorced: $1,822
  • Widowed: $1,749

Moreno Valley Car Insurance by Age

With typical car insurance payments of $6,762, teenage drivers have the biggest premiums of any age group. At $1,553, drivers in their 60s have the smallest car insurance rates among any age group. People in their 50s ($1,601) aren’t paying significantly more. When Moreno Valley drivers reach their 20s, therefore moving out of the teenage age range, they save an average of 61%. You won't see a bigger gap between any other age group. Car insurance premiums for drivers continue to decrease through their 60s, but they can anticipate a change when they turn 70.

  • Teenagers: $6,762
  • 20s: $2,670
  • 30s: $1,788
  • 40s: $1,727
  • 50s: $1,601
  • 60s: $1,553
  • 70s: $1,729

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Moreno Valley Car Insurance by Accident or Violation History

Maintaining an untainted driving record is vital if you want to keep the price of car insurance rates low. Speeding 16-20mph above the speed limit can make insuring your vehicle considerably more expensive. Those with a speeding ticket on their record spend, on average, 36% more per year. In Moreno Valley, those who are found at-fault in an accident end up spending $1,026 more per year to insure their vehicle.

  • DUI: $5,204
  • Reckless Driving: $5,204
  • At-fault Accident (damages less than $1000): $2,848
  • At-fault Accident (damages greater than $2000): $2,848
  • Speeding Ticket (16-20 mph over speed limit): $2,475

* Credit score is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance every year.

* Moreno Valley insurance premiums aren't impacted by gender.