Updated: December 15, 2025
Advertising & Editorial Disclosure
GEICO: Most affordable for diverse driver types in Riverside. Full coverage starts at $98 monthly while minimum coverage costs just $42, helping drivers save 20% compared to the city average.
Progressive: Runner-up for affordability with $108 monthly for full coverage and $55 for minimum coverage. This insurer offers especially competitive rates for higher-risk driver categories.
AAA: Is the most budget-friendly option for drivers with an accident and drivers with a speeding ticket, making it worth comparing if you have violations on your record.
Cheapest by Coverage and Driver Profile in Riverside:
Riverside drivers looking for full coverage can save big with GEICO at $98 monthly, delivering 39% savings compared to the city average. Progressive comes in second at $108 per month, still offering solid 30% savings.
For minimum coverage, GEICO costs $42 monthly with the same impressive 39% discount, while AAA provides another affordable option at $55 per month with 24% savings. Both coverage levels offer savings opportunities in Riverside.
| Geico | $43 | $99 | -39% |
| AAA | $56 | $123 | -24% |
| Progressive | $56 | $108 | -30% |
| State Farm | $67 | $149 | -7% |
| Wawanesa Insurance | $71 | $140 | -9% |
Not in Riverside? Read more about the cheapest car insurance in California or the best car insurance in California.
Finding affordable car insurance for teens in Riverside starts with understanding why young drivers have high premiums. Insurance companies charge more because drivers under 25 lack experience and statistically file more claims.
GEICO offers the most affordable option at $185 monthly, making it the clear winner for budget-conscious families. Wawanesa Insurance comes in second at $194 per month, while State Farm rounds out the top three at $207 per month.
Keeping your teen on your family policy instead of purchasing separate coverage saves hundreds of dollars annually. Additionally, enrolling in a defensive driving course can slash premiums by 5% to 15%.
| Geico | $185 | $2,223 | -35% |
| Wawanesa Insurance | $194 | $2,334 | -32% |
| State Farm | $208 | $2,495 | -27% |
| AAA | $222 | $2,660 | -22% |
| Progressive | $236 | $2,832 | -17% |
GEICO has the most affordable coverage at $105 monthly, followed by State Farm at $128 and Progressive at $131. Completing a defensive driving course can slash premiums by up to 10%, with savings lasting three full years.
Most insurers also provide accident forgiveness programs specifically for drivers 65 and older.
| Geico | $105 | $1,265 | -41% |
| State Farm | $128 | $1,541 | -28% |
| Progressive | $132 | $1,580 | -26% |
| Wawanesa Insurance | $140 | $1,683 | -21% |
| AAA | $142 | $1,698 | -20% |
If you're dealing with a DUI, Geico offers the most affordable coverage at $102 monthly, with Farmers coming in second at $125. For speeding tickets, GEICO costs $64 per month, followed by AAA at $75. At-fault accidents will cost you $76 monthly with GEICO or $82 with AAA for minimum coverage.
Speeding tickets affect your rates for three to five years, while serious violations like DUIs can impact your premiums for up to 10 years.
| At-Fault Accident | Geico | $76 | -36% |
| At-Fault Accident | AAA | $82 | -31% |
| DUI | Geico | $103 | -43% |
| DUI | Farmers | $125 | -30% |
| Speeding Ticket | Geico | $64 | -42% |
| Speeding Ticket | AAA | $75 | -31% |
Your ZIP code determines your car insurance rate. The difference between neighborhoods is striking: drivers in 92507 pay $180 monthly for full coverage, while those in 92506 pay just $133. That's a $47 monthly gap based purely on location. Traffic density, theft rates and accident frequency in your specific ZIP code drive these price differences.
| 92507 | $180 |
| 92501 | $178 |
| 92504 | $176 |
| 92521 | $154 |
| 92503 | $140 |
| 92505 | $139 |
| 92508 | $138 |
| 92506 | $133 |
| 92506 | $133 |
| 92508 | $138 |
| 92505 | $139 |
| 92503 | $140 |
| 92521 | $154 |
| 92504 | $176 |
| 92501 | $178 |
| 92507 | $180 |
Progressive takes the top spot in Riverside with a MoneyGeek score of 91 out of 100. This insurer excels by offering comprehensive coverage options alongside reasonable rates. GEICO, AAA, Auto-Owners and Mercury round out the top five options worth considering.
| Progressive | 91 | 2 | 3 | 2 |
| Geico | 87 | 1 | 7 | 7 |
| AAA | 84 | 3 | 5 | 7 |
| Auto Owners | 81 | 8 | 1 | 6 |
| Mercury Insurance | 80 | 6 | 6 | 5 |
Snapshot program rewards safe drivers with discounts
Round-the-clock claims processing and customer support
Covers high-risk drivers others may reject
Claims processing delays reported by some customers
Customer service accessibility issues during peak times
May not suit all driver profiles equally
Progressive balances affordability with comprehensive coverage through innovative tools like Name Your Price that help budget-conscious Riverside drivers customize policies. The company has a 24/7 digital platform and fast claims processing. Progressive's Snapshot program rewards safe driving with discounts.
Most affordable rates across all coverage levels
Mobile app for quick claims and roadside assistance
Covers high-risk drivers others often reject
No gap insurance coverage available
Customer service delays during peak hours
Limited mechanical breakdown insurance eligibility
GEICO ranks first in Riverside for consistently offering the lowest rates across all driver categories. The company's digital-first approach provides 24/7 customer service and mobile claims processing. Its comprehensive coverage addresses local risks like flood damage and vehicle theft.
Riverside drivers deal with high insurance costs, but smart shopping can get real savings opportunities.
Start with multi-policy bundling by combining auto with home or renters insurance for 15% to 25% savings. Layer on multi-car discounts if you insure multiple vehicles, then add smaller discounts like good driver records and automatic payments to reach 30% to 40% total savings.
Increasing your deductible from $500 to $1,000 cuts your premium by 10% to 15% each year.
Insurance companies regularly adjust their rates based on Riverside's changing risk factors and local claim patterns. Shopping annually becomes especially valuable after three years of clean driving.
Our Riverside FAQ section clarifies insurance options and pricing to help you secure affordable coverage that fits your needs.
Car insurance in Riverside runs about $155 monthly for full coverage. That's moderate compared to other California cities. Granada Hills, the state's most expensive area, costs $243 per month, while Weed offers the lowest rates at $47 monthly.
Finding affordable car insurance in Riverside starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and California’s insurance requirements all shape your premium.
We partnered with the California Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Riverside ZIP code.
Our ratings for the best car insurance in Riverside are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Riverside neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
