Cheap Car Insurance in Moreno Valley, CA

Written by Xuyun Zeng and 1 other
Updated Mar 13, 2025
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Cheap Car Insurance in Moreno Valley, CA

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Moreno Valley is among the fastest growing cities in the U.S., and with Los Angeles and Orange County getting ever more expensive, people are sure to keep migrating east. Drivers should be aware of the area’s unique traffic hazards, such as heavy congestion on Interstate 215 and State Route 60. 

Having proper car insurance coverage in the Inland Empire helps keep your finances protected. We’ve gathered data from Jerry customers in Moreno Valley to show how factors such as location, age, driving history and coverage needs can lower or raise your car insurance rates.

Cheapest minimum coverage insurance in Moreno Valley

Here are the cheapest quotes for minimum coverage that drivers in Moreno Valley, California have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$40 $482 Aspire Advantage 48 December 12, 2024 Moreno Valley, CA 92553
$43 $516 National General 38 November 28, 2024 Moreno Valley, CA 92555
$44 $527 National General 45 September 27, 2024 Moreno Valley, CA 92553
$46 $556 National General 33 April 14, 2025 Moreno Valley, CA 92555
$46 $558 National General 45 January 18, 2025 Moreno Valley, CA 92553
$46 $558 National General 45 February 20, 2025 Moreno Valley, CA 92553
$47 $567 National General 38 December 20, 2024 Moreno Valley, CA 92557
$47 $570 National General 38 January 7, 2025 Moreno Valley, CA 92555
$48 $581 National General 35 February 6, 2025 Moreno Valley, CA 92553
$48 $582 National General 51 October 18, 2024 Moreno Valley, CA 92553
Last Updated May 6, 2025

California requires drivers to carry these minimum coverages:

  • $30,000 per person for bodily injury liability.
  • $60,000 for bodily injury per accident for multiple persons injured.
  • $15,000 for property damage liability per accident.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Moreno Valley

With the frequency of wildfires and the potential for earthquakes in Southern California, it’s wise to carry car insurance that can protect you in unexpected weather events. Minimum coverage won’t pay for your repairs after a natural disaster, but full coverage would. These are the cheapest quotes that drivers in Moreno Valley have received for full coverage, based on Jerry’s quote data.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$74 $884 National General 44 January 22, 2025 Moreno Valley, CA 92557
$74 $890 Progressive 70 April 27, 2025 Moreno Valley, CA 92553
$85 $1,020 National General 56 February 14, 2025 Moreno Valley, CA 92553
$92 $1,106 National General 28 January 18, 2025 Moreno Valley, CA 92555
$116 $1,390 Aspire Advantage 51 March 18, 2025 Moreno Valley, CA 92555
$121 $1,454 Anchor General 32 April 17, 2025 Moreno Valley, CA 92551
$121 $1,456 Anchor General 62 March 27, 2025 Moreno Valley, CA 92553
$136 $1,630 Anchor General 40 March 24, 2025 Moreno Valley, CA 92555
$136 $1,636 Anchor General 38 February 22, 2025 Moreno Valley, CA 92555
$141 $1,692 National General 52 April 15, 2025 Moreno Valley, CA 92557
Last Updated May 6, 2025

Cheapest car insurance for young drivers in Moreno Valley (18-29 years old)

Young drivers typically pay more for auto insurance because they lack driving experience, which insurers see as a risk. Here are the cheapest quotes that young drivers in Moreno Valley have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$55 $656 National General 29 No November 25, 2024 Moreno Valley, CA 92553
$55 $656 National General 29 No December 6, 2024 Moreno Valley, CA 92553
$55 $663 Aspire Advantage 28 No April 11, 2024 Moreno Valley, CA 92553
$61 $736 Anchor General 28 No November 1, 2024 Moreno Valley, CA 92557
$62 $746 National General 29 No October 22, 2024 Moreno Valley, CA 92555
Last Updated May 6, 2025

Cheapest car insurance for mature drivers in Moreno Valley (30-54 years old)

Drivers between the ages of 30 and 54 typically pay lower premiums than younger drivers, but to ensure you’re paying the lowest rate, it’s wise to continue rate shopping regularly. These are the cheapest quotes for mature drivers in Moreno Valley, based on Jerry’s data.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$40 $482 Aspire Advantage 48 No December 12, 2024 Moreno Valley, CA 92553
$43 $516 National General 38 No November 28, 2024 Moreno Valley, CA 92555
$44 $527 National General 45 No September 27, 2024 Moreno Valley, CA 92553
$46 $556 National General 33 No April 14, 2025 Moreno Valley, CA 92555
$46 $558 National General 45 No January 18, 2025 Moreno Valley, CA 92553
Last Updated May 6, 2025

Cheapest car insurance for older drivers in Moreno Valley (55+ years old)

Drivers older than 54 typically pay the cheapest rates for auto insurance, although rates may rise once a driver hits their 70s. Here are the cheapest quotes that older drivers in Moreno Valley have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$50 $604 National General 56 February 12, 2025 Moreno Valley, CA 92553 No
$50 $604 National General 56 February 14, 2025 Moreno Valley, CA 92553 No
$58 $693 Aspire Advantage 66 April 2, 2024 Moreno Valley, CA 92553 No
$58 $700 Aspire Advantage 66 December 1, 2024 Moreno Valley, CA 92557 No
$61 $734 Aspire Advantage 63 March 26, 2025 Moreno Valley, CA 92557 No
Last Updated May 6, 2025

Cheapest car insurance for drivers with clean records in Moreno Valley

Drivers with spotless records typically get the best rates possible. These are the cheapest quotes that drivers in Moreno Valley with no accidents, citations or claims have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$40 $482 Aspire Advantage 48 December 12, 2024 No Moreno Valley, CA 92553
$43 $516 National General 38 November 28, 2024 No Moreno Valley, CA 92555
$44 $527 National General 45 September 27, 2024 No Moreno Valley, CA 92553
$46 $558 National General 45 February 20, 2025 No Moreno Valley, CA 92553
$46 $558 National General 45 January 18, 2025 No Moreno Valley, CA 92553
$47 $567 National General 38 December 20, 2024 No Moreno Valley, CA 92557
$47 $570 National General 38 January 7, 2025 No Moreno Valley, CA 92555
$48 $581 National General 35 February 6, 2025 No Moreno Valley, CA 92553
$48 $582 National General 51 October 18, 2024 No Moreno Valley, CA 92553
$49 $587 National General 38 February 26, 2025 No Moreno Valley, CA 92555
Last Updated May 6, 2025

Cheapest car insurance for drivers with at-fault accidents in Moreno Valley

If you’ve recently been in an accident and were found at fault, your rate is likely to rise. Compare quotes from various insurers to ensure you’re still getting the best rate. These are the cheapest quotes that drivers with at-fault accidents in Moreno Valley have received via Jerry.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $49 $584 National General 41 No February 5, 2025 Moreno Valley, CA 92553
At Fault With Injury $55 $656 National General 29 No November 25, 2024 Moreno Valley, CA 92553
At Fault With Injury $55 $656 National General 29 No December 6, 2024 Moreno Valley, CA 92553
At Fault With Injury $66 $796 Anchor General 66 No November 25, 2024 Moreno Valley, CA 92553
At Fault With No Injury $67 $810 Bristol West 28 No January 12, 2024 Moreno Valley, CA 92557
Last Updated May 6, 2025

Cheapest car insurance for drivers with speeding tickets in Moreno Valley

If you’ve recently been cited for speeding, your rates are likely to increase. It’s wise to rate shop before your policy renews to find the cheapest auto policy. These are the cheapest quotes that drivers in Moreno Valley with speeding tickets have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $73 $876 Bristol West 44 March 5, 2024 Moreno Valley, CA 92557
Speeding under 15 $80 $960 Aspire Advantage 48 December 16, 2023 Moreno Valley, CA 92553
Speeding under 15 $90 $1,074 Aspire Advantage 29 February 3, 2024 Moreno Valley, CA 92553
Speeding under 15 $92 $1,104 Bristol West 44 April 6, 2024 Moreno Valley, CA 92557
Speeding under 15 $94 $1,134 National General 39 April 21, 2025 Moreno Valley, CA 92553
Last Updated May 6, 2025

Cheapest car insurance for drivers with DUIs in Moreno Valley

Insurers perceive drivers with DUIs as “high risk”. Not all insurers will issue a policy and if they do, premiums may be more expensive. These are the cheapest quotes that drivers with DUIs in Moreno Valley have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $80 $955 Aspire Advantage 39 November 28, 2023 Moreno Valley, CA 92555
DUI $223 $2,679 National General 30 March 9, 2025 Moreno Valley, CA 92551
Last Updated May 6, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.