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 Average||United States Average|
Jump to Murrieta car insurance rates by:
Get personalized quotes:
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 Company||Average Annual Rate|
Murrieta auto insurance premiums by age
Murrieta drivers in their age_60s enjoy relatively affordable auto insurance rates, paying just $1,575per year, on average. Those in their age_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 bracket||Average Yearly Rate|
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/Gender||Average Annual Rate|
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/Incident||Average Annual Rate|
|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|
Murrieta auto insurance rates by credit tier
It's no secret credit score is closely correlated with auto insurance rates. Murrieta drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. 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. In Murrieta, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year.
MURRIETA CAR INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Rate (annual)|