Moreno Valley Insurance Rates:

Moreno Valley, CA home insurance is approximately $509 to $688, about $42-$57/month. Our thorough guide reveals consumers can save upto $239 by getting multiple quotes

Compare Quotes from Top Providers and Save now!

Moreno Valley, California Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Moreno Valley Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $100/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Baths 2960 sqft Vacation Property Constructed In 1985 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Fireplace, Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $490/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $320,000

5 Beds, 5 Bath 2580 sqft Vacation Property Constructed In 1988 with Linoleum, Shingles Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Married Female who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $160/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $495,000

5 Beds, 5 Baths 3990 sqft Vacation Property Constructed In 2005 with Carpet Flooring, Composition Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $410/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Bath 3100 sqft Primary Residence Constructed In 2008 with Hardwood Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fireplace, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $40/1 month for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 1192 sqft Primary Residence Constructed In 2000 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Moreno Valley, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92555 $249,100 $610
92557 $214,100 $610
92551 $173,900 $600
92553 $161,200 $590

Moreno Valley Rates & Quotes Analysis:

Moreno Valley Area Estimated House Insurance
Starcrest Dr, Maricopa Dr, Crispin Dr, Vista Conejo Dr, Theodore Ave, Reche Vista Dr, Casa Fantastico, Winter Park Pl, Dickinson Rd, Ivy Ln$610
Aslan Ct, Aylesbury Dr, Kalahari Ct, Moonshadow Dr, Pine Field Dr, Blue Cascade Dr, Lemay Dr, Valencia Hill Dr, Calabria Dr, Baucom Ave$595
Beal Ave, Sandcastle Ct, Lamont Dr, Oliver St, Sun Way, Elmendorf Dr, Shadow Mountain Dr, Cll Pinata, Wolfberry Dr, Ninebark St$595
Guajome Rd, Citrus Ct, Secretariat Cir, Abedul St, Orange Grove Cir, Braewood Ave, Gregory Ln, Rockport Ct, Mountain Crest Dr, Coyote Springs Ct$598
San Timoteo Canyon Rd, Arbor Park Ln, Sweetgrass Dr, Sycamore Canyon Rd, Dorner Dr, Wild Geranium Ln, Sierra Mesa Cir, Valley View Ln, Wild Burro Trl, Fontainebleau Dr$608
Montanra Ln, Lake Victoria Dr, Crescent Ct, Barbados Ln, Balboa Ln, Brumelia Ct, Redcliff Ct, Honeylocust Ave, Aruba Pl, Hospital Way$601
Eagle St, Warhol Ct, Flaming Arrow Dr, Kensington Cir, Cll Diaz, Gucci Dr, Leisure Way, Eagle Valley Cir, Lakeport Dr, Dalehurst Rd$600
Mulberry Ln, Red Berry St, Park Valley Dr, Melinda Ct, Bremen St, Morton Rd, Avalon Pkwy, Mohave Ct, Rockcrest Dr, Mindora Dr$593
Edelweiss Pl, Cornell Ave, Salt Missions Cir, Kenny Dr, Strauss Ln, Horseshoe St, Clarissa Ct, Whimbrel Way, Thrush Way, Birdsong Ct$600
Gainsway Cir, High Grove Dump Rd, Darlington Ln, Houston Dr, Sourwood Ave, Lochaber Ct, Summit Ridge Cir, Snowbell Ln, Taurus Ln, Barclay Dr$600

Insurance rates are influenced by a number of factors including:

  • Year Built: 23,330 Homes (42% of total) built between 1980 to 1989 in Moreno Valley are paying home insurance between $893-$902 in contrast with March ARB (+$14), Riverside (+$10), Highgrove (+$12), Lakeview (-$10) and Homeland (-$23).
  • Bedrooms: 8,230 2 bedrooms homes (15% of total homes ) in Moreno Valley are paying about $180 and differs from March ARB (+$3), Redlands (+$6), Woodcrest (+$8), Riverside (-$4) and Perris Valley (-$6).
  • Auto Insurance Bundling: 13,202 Households (41% of all households) in Moreno Valley have 2 vehicles available and when it is bundled with home insurance you can save $119 compared to Riverside ($121), Mead Valley ($119), Lakeview ($118).
  • Senior Discounts: 11,203 seniors (more than 55 years) occupied housing units (35% of total) in Moreno Valley get discounts between $89 to $91 and varies from March ARB ($91), Riverside ($90), Mead Valley ($89).
  • New Homes discounts: New homes such as the 22,417 homes built between 2000 to 2009 in Moreno Valley can save $119 and similar new home insurance discounts in nearby towns and cities like March ARB, Riverside and Mead Valley are $121, $121 and $119 respectively.

Moreno Valley Homeowners insurance Facts

  • Moreno Valley, CA has 31,691 owner occupied houses which is 62.9% of all units whereas March ARB, Riverside and Mead Valley have 12.28%, 58.87% and 67.52% respectively.
  • Moreno Valley, CA homeowners yearly insurance price at $599 is 0.31% of the typical house value of $194,700 which is in contrast with 0.24% in March ARB, 0.26% at Riverside & 0.32% in Mead Valley.
  • Homeowners in Moreno Valley, CA pay 1.09% of their income ($50,000 to $59,999) in insurance whereas homeowners in March ARB, Riverside and Mead Valley pay 1.11%, 1.1% and 1.09% respectively.
  • Moreno Valley, CA’s insurance is 2.8% of monthly housing costs of $1,817/month, for owners with a mortgage compared to 2.68% in Riverside, 3.23% at Mead Valley & 3.06% in Lakeview. But, for households without a mortgage, insurance is 11.3% of costs ($443 in Moreno Valley, CA) in contrast with 12.24% in Riverside, 15.03% at Mead Valley & 13.05% in Lakeview.

Moreno Valley, CA Home Values & Insurance rates

For example, insurance for 3,284 Homes (10.0% of total homes ) valued between $125,000 to $149,999 in Moreno Valley, CA is about $419. Rates in nearby areas in such as Riverside, Highgrove, Loma Linda are cheaper by $69, $86, $131 respectively while Mead Valley and Lakeview are costlier by $22 and $107 respectively for similar homes.

Moreno Valley, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,100 3.0% $71
$80,000 to $89,999 466 1.0% $257
$90,000 to $99,999 516 1.0% $287
$100,000 to $124,999 2,839 9.0% $335
$125,000 to $149,999 3,284 10.0% $419
$150,000 to $174,999 4,884 16.0% $497
$175,000 to $199,999 3,007 10.0% $575
$200,000 to $249,999 5,293 17.0% $688
$250,000 to $299,999 4,186 14.0% $844
$300,000 to $399,999 3,903 13.0% $1072

Renters Insurance in Moreno Valley

  • Average Renters Insurance in Moreno Valley :  $203($16/month)

  • Median Gross Rent in Moreno Valley :  $1,280

  • Moreno Valley Renters Insurance to Median Rent Ratio:  1.25%

  • Renter occupied housing units in Moreno Valley :  18,702

Moreno Valley Renters Insurance as a Percentage of Rent

Moreno Valley Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 194 1.0% $800
$300 to $499 307 1.0% $1250
$500 to $749 874 4.0% $1925
$750 to $999 3,193 17.0% $2675
$1,000 to $1,499 7,444 40.0% $3800
$1,500 or more 6,059 33.0% $5450

Rent Affordability in Moreno Valley:

Approximately 58.0% (10,908) of households are spending more than 35% of their income on gross rent in Moreno Valley

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 539 2.0%
15.0 to 19.9 percent 1,525 8.0%
20.0 to 24.9 percent 1,553 8.0%
25.0 to 29.9 percent 2,354 12.0%
30.0 to 34.9 percent 1,823 9.0%
35.0 percent or more 10,908 58.0%

Moreno Valley Renters Insurance Discounts:

Moreno Valley Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Moreno Valley, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,243 38.0% $20.3
2 vehicles available 6,362 34.0% $30.45
3 or more vehicles available 3,215 17.0% $40.6

Moreno Valley Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 968 5.0% $128
60 to 64 years 705 3.0% $102
65 to 74 years 766 4.0% $83
75 years and over 558 2.0% $64

Protective device discount in Moreno Valley Up to :  $30

Claims-free discount in Moreno Valley Up to :  $40