The average cost of full coverage car insurance in California is $1,837. This is $85 higher than the average cost of insurance in the city of Murrieta, which is $1,752. 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.
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.
Cheapest car insurance companies in Murrieta, CA
There are dozens of factors that influence your insurance rates, including:
Type of car you drive (year, make, model, safety features, etc.)
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.
JD Power Rating
National General Insurance
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:
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.
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.
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.
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:
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.
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.