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
|
---|---|---|---|---|---|---|
$36 | $438 | Progressive | 55 | January 9, 2025 | Moreno Valley, CA | 92555 |
$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 | $525 | National General | 45 | December 3, 2024 | Moreno Valley, CA | 92555 |
$44 | $525 | National General | 45 | November 19, 2024 | Moreno Valley, CA | 92555 |
$44 | $527 | National General | 45 | September 27, 2024 | Moreno Valley, CA | 92553 |
$44 | $527 | National General | 36 | September 17, 2024 | Moreno Valley, CA | 92553 |
$45 | $544 | National General | 54 | September 17, 2024 | Moreno Valley, CA | 92555 |
$46 | $555 | National General | 35 | October 26, 2024 | Moreno Valley, CA | 92551 |
$46 | $556 | Aspire Advantage | 34 | October 16, 2024 | Moreno Valley, CA | 92553 |
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
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
|
---|---|---|---|---|---|---|
$66 | $794 | National General | 45 | November 29, 2024 | Moreno Valley, CA | 92555 |
$74 | $884 | National General | 44 | January 22, 2025 | Moreno Valley, CA | 92557 |
$76 | $909 | National General | 44 | September 29, 2024 | Moreno Valley, CA | 92551 |
$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 |
$92 | $1,106 | Aspire Advantage | 44 | September 29, 2024 | Moreno Valley, CA | 92551 |
$111 | $1,335 | Progressive | 54 | December 3, 2024 | Moreno Valley, CA | 92557 |
$116 | $1,390 | Aspire Advantage | 51 | March 18, 2025 | Moreno Valley, CA | 92555 |
$122 | $1,469 | Aspire Advantage | 31 | December 4, 2024 | Moreno Valley, CA | 92557 |
$136 | $1,636 | Anchor General | 38 | February 22, 2025 | Moreno Valley, CA | 92555 |
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 | December 6, 2024 | Moreno Valley, CA | 92553 |
$55 | $656 | National General | 29 | No | November 25, 2024 | Moreno Valley, CA | 92553 |
$55 | $663 | Aspire Advantage | 28 | No | April 11, 2024 | Moreno Valley, CA | 92553 |
$61 | $732 | National General | 24 | No | May 6, 2024 | Moreno Valley, CA | 92555 |
$61 | $736 | Anchor General | 28 | No | November 1, 2024 | Moreno Valley, CA | 92557 |
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 | $525 | National General | 45 | No | November 19, 2024 | Moreno Valley, CA | 92555 |
$44 | $525 | National General | 45 | No | November 29, 2024 | Moreno Valley, CA | 92555 |
$44 | $525 | National General | 45 | No | December 3, 2024 | Moreno Valley, CA | 92555 |
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
|
---|---|---|---|---|---|---|---|
$36 | $438 | Progressive | 55 | January 9, 2025 | Moreno Valley, CA | 92555 | No |
$46 | $558 | National General | 56 | September 26, 2024 | Moreno Valley, CA | 92553 | No |
$49 | $584 | National General | 55 | January 6, 2025 | Moreno Valley, CA | 92553 | No |
$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 |
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
|
---|---|---|---|---|---|---|---|
$36 | $438 | Progressive | 55 | January 9, 2025 | No | Moreno Valley, CA | 92555 |
$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 | $525 | National General | 45 | November 19, 2024 | No | Moreno Valley, CA | 92555 |
$44 | $525 | National General | 45 | December 3, 2024 | No | Moreno Valley, CA | 92555 |
$44 | $525 | National General | 45 | November 29, 2024 | No | Moreno Valley, CA | 92555 |
$44 | $527 | National General | 36 | September 17, 2024 | No | Moreno Valley, CA | 92553 |
$44 | $527 | National General | 45 | September 27, 2024 | No | Moreno Valley, CA | 92553 |
$46 | $558 | National General | 45 | January 18, 2025 | No | Moreno Valley, CA | 92553 |
$46 | $558 | National General | 41 | January 14, 2025 | No | Moreno Valley, CA | 92553 |
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 No Injury | $60 | $724 | National General | 49 | No | March 16, 2025 | Moreno Valley, CA | 92557 |
At Fault With No Injury | $63 | $760 | Aspire Advantage | 49 | No | March 16, 2025 | Moreno Valley, CA | 92557 |
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 | $46 | $555 | National General | 35 | October 26, 2024 | Moreno Valley, CA | 92551 |
Speeding under 15 | $53 | $632 | Aspire Advantage | 33 | November 22, 2024 | Moreno Valley, CA | 92555 |
Speeding under 15 | $65 | $774 | Aspire Advantage | 29 | November 5, 2024 | Moreno Valley, CA | 92553 |
Speeding under 15 | $68 | $815 | National General | 35 | November 16, 2024 | Moreno Valley, CA | 92551 |
Speeding under 15 | $69 | $826 | Aspire Advantage | 30 | December 7, 2024 | Moreno Valley, CA | 92555 |
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 | $68 | $822 | Bristol West | 49 | May 6, 2024 | Moreno Valley, CA | 92557 |
DUI | $75 | $895 | Aspire Advantage | 49 | May 6, 2024 | Moreno Valley, CA | 92557 |
DUI | $80 | $955 | Aspire Advantage | 39 | November 28, 2023 | Moreno Valley, CA | 92555 |
DUI | $101 | $1,213 | Bristol West | 49 | May 9, 2024 | Moreno Valley, CA | 92557 |
DUI | $223 | $2,679 | National General | 30 | March 9, 2025 | Moreno Valley, CA | 92551 |
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.

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.

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.