The best car insurance in Murrieta, CA

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By

Rachael Brennan

Rachael Brennan

Property and Casualty Insurance Expert

Rachael Brennan is a senior insurance editor at Policygenius, specializing in auto insurance. She worked for 21st Century Insurance, BlueCross BlueShield Massachusetts, and HealthPass New York. She also spent two years working as a content expert for dozens of auto insurance websites through 360Quote LLC.

Published October 25, 2021

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The average cost of full coverage car insurance in California is $1,978. This is $210 higher than the average cost of insurance in the city of Murrieta, which is $1,768. Car insurance rates in Murrieta are lower than the state average, but drivers in Murrieta can save even more money on their insurance by comparing quotes from multiple companies.

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Comparing quotes before choosing a policy is the simplest way to save money on your car insurance. Policygenius can help you compare rates from multiple companies to find the right coverage for you.

Key Takeaways

  • Wawanesa has the lowest average rate for full coverage in Murrieta

  • The cheapest ZIP code for car insurance coverage in Murrieta is 92563 at $1,016

  • California’s state minimum liability requirements are $15,000 per person/$30,000 per person in bodily injury liability and $5,000 in property damage liability

Cheapest car insurance companies in Murrieta, CA

There are dozens of factors that influence your insurance rates, including:

  • Driving history

  • ZIP code

  • Age

  • Claims history

  • Type of car you drive (year, make, model, safety features, etc.)

  • Deductible amounts

Because every company has their own process for setting insurance rates, the same amount of coverage will be priced differently at each company. That’s why comparing quotes from multiple companies is the best way to save money on your car insurance.

Company

Average cost

JD Power Rating

Wawanesa

$1,038

--

GEICO

$1,344

871

Mercury Insurance

$1,358

849

National General

$1,369

815

USAA

$1,548

890

Cheapest car insurance rates by ZIP code in Murrieta, CA

Your ZIP code is one of the biggest factors insurance companies use to set your insurance rates. Rates can fluctuate significantly from one ZIP code to another based on a number of factors, including:

  • Population density

  • Number of accidents reported each year

  • How many traffic tickets are issued

  • Reported car thefts

  • Secure parking options

  • Amount of available street parking

The total number of people living in an area is a big factor when setting rates by ZIP code. Because there are fewer people living in Murrieta compared to bigger cities like Los Angeles, drivers are charged less for coverage.

ZIP code

Average cost

92562

$1,758

92563

$1,779

Choosing the right car insurance company in Murrieta, CA

Choosing the right insurance policy is important. It needs to be affordable, but the cheapest available car insurance policy may not offer the coverage you need. The best car insurance policy is the one that meets your needs at an affordable price, which is why our experts at Policygenius help you compare quotes and choose coverage levels.

Car insurance rates for drivers with driving violations in Murrieta, CA

Your driving record contains a significant amount of information, from identifying features like your height or your driver’s license number to the number of tickets, accidents, suspensions, and other violations you have accrued.

The best way to keep your insurance rates low is to keep your driving record clean. Having a moving violation or a car accident on your record can raise your rates, sometimes significantly, adding hundreds or even thousands of dollars to your annual insurance premiums.

Violation

Wawanesa

GEICO

Mercury Insurance

National General

USAA

At-fault Accident

$1,621

$2,491

$2,378

$2,071

$2,223

DUI

$1,925

$3,456

$2,250

$1,917

$4,567

Driving with a suspended license

$1,531

$2,462

$2,250

$1,967

$3,228

Driving with an open container

$1,925

$3,456

$2,250

$1,471

$3,434

Driving with expired registration

$1,531

$2,224

$1,800

$1,471

$1,745

Driving without Lights

$1,531

$2,224

$1,800

$1,471

$1,593

Failure to show documents

$1,531

$2,224

$1,800

$1,471

$1,745

Failure to stop at a red light

$1,531

$2,224

$1,800

$1,471

$1,745

Cheapest car insurance for drivers with bad credit in Murrieta, CA

Many states use your credit score to help set your rates, but California is not one of them. Several states, including California, Hawaii, Massachusetts, Michigan, and Washington all have laws that prevent insurance companies from using your credit score to determine your rates or deny you coverage. This means drivers in Murrieta won’t be able to lower their insurance costs by improving their credit score.

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Buying car insurance in Murrieta, CA

California law requires all drivers to carry some form of liability insurance, including:

  • Cash deposit of $35,000 with DMV

  • DMV-issued self-insurance certificate

  • Surety bond for $35,000 from a company licensed to do business in California

  • Motor vehicle liability insurance policy

The vast majority of drivers in California choose to carry at least the state minimum levels of liability insurance, which are:

  • $15,000 per person/$30,000 per accident for bodily injury liability

  • $5,000 for property damage liability

Legally, the state minimum levels of liability insurance will allow you to drive without an issue. However, the minimum levels of coverage often aren’t enough to pay for all the damages caused in an at-fault accident. To keep yourself protected in the event of an accident, it is important to carry the highest levels of liability coverage that you can afford.

Drivers who can’t afford to repair or replace their car out-of-pocket should also purchase comprehensive and collision coverage. These coverages protect you financially if you are at fault in an accident, but they can also step in to pay for damage to your vehicle if you are hit by an uninsured motorist or your car is damaged or stolen.

How to get cheap car insurance in Murrieta, CA

There are several common discounts available through most insurance companies, including:

  • Safe driver discount

  • Accident free discount

  • Low mileage discount

  • Military discount

  • Good student discount

  • Bundling discount

  • Group/employer/professional discount

Despite these discounts, car insurance is often still unaffordable for some people. If the cost of car insurance would be a financial hardship, you may be eligible to apply for California’s Low Cost Auto Insurance program.

Frequently asked questions

Why is car insurance so expensive in Murrieta?

Rates in Murrieta are lower than the California state average, but still much higher than the rates in some other places in the country. Rates in a given area are based on a variety of factors, including the number of accidents, moving violations, car theft, and population density.

Does my gender impact my insurance rates?

Several states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania all have laws in place that prevent insurance companies from using your gender to help determine your insurance rates.

Who has the cheapest car insurance in California?

Our research shows that Wawanesa has the lowest average rates in the state of California, but insurance rates are based on a number of factors that are unique to you. The best way to find out who has the lowest insurance rates in the state is to compare quotes between multiple companies.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.