GEICO offers Riverside's lowest car insurance rates, with annual premiums of $515 for minimum coverage and $1,185 for full coverage. Other affordable insurers in the city include Progressive, AAA and State Farm.
Car Insurance in Riverside
Updated: August 10, 2025
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Key Takeaways
Riverside's cheapest car insurance companies are GEICO, Progressive and AAA, with savings up to 39% compared to the city average.
Monthly car insurance costs in Riverside average $155 for full coverage and $73 for minimum coverage.
You'll find the best cheap auto insurance in Riverside by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Riverside?
| GEICO | $43 | $99 | -39% |
| Progressive | $56 | $108 | -30% |
| AAA | $56 | $123 | -24% |
| Wawanesa | $71 | $140 | -9% |
| State Farm | $67 | $149 | -7% |
Compare the Cheapest Riverside Car Insurance for You
Your car insurance rates can vary significantly based on your driving history and personal details. Check the table below to find the most affordable insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| AAA | $148 | $1,779 | -35% |
| State Farm | $155 | $1,859 | -33% |
| Progressive | $162 | $1,942 | -30% |
| GEICO | $166 | $1,987 | -28% |
| Farmers | $211 | $2,532 | -8% |
Cheapest Car Insurance by Age Group in Riverside
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Riverside, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: GEICO (from $87 per month)
- Cheapest Car Insurance for Adults: GEICO (from $43 per month)
- Cheapest Car Insurance for Seniors: GEICO (from $47 per month)
Cheapest Car Insurance for Young Drivers in Riverside
In Riverside, GEICO and State Farm provide the most affordable car insurance options for drivers aged 16 to 25, with monthly premiums beginning at $87 and $96 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $87 | $1,045 | -36% |
| State Farm | $96 | $1,147 | -30% |
| Wawanesa | $99 | $1,193 | -27% |
| Farmers | $105 | $1,258 | -23% |
| Progressive | $121 | $1,454 | -11% |
Cheapest Car Insurance for Adult Drivers in Riverside
In Riverside, GEICO provides the lowest rates for adult drivers (26 to 64), saving drivers around 43% on average. AAA and Progressive are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $43 | $515 | -43% |
| AAA | $56 | $667 | -26% |
| Progressive | $56 | $668 | -26% |
| State Farm | $67 | $808 | -10% |
| Wawanesa | $71 | $855 | -5% |
Cheapest Car Insurance for Senior Drivers in Riverside
For seniors in Riverside, GEICO offers the lowest rates for both coverage types. Minimum coverage costs $47 monthly or $560 annually, while full coverage runs $105 per month or $1,265 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $47 | $560 | -47% |
| State Farm | $57 | $688 | -35% |
| Progressive | $71 | $851 | -19% |
| Farmers | $72 | $870 | -18% |
| AAA | $73 | $880 | -17% |
Cheapest Car Insurance for High-Risk Drivers in Riverside
If you're a high-risk driver in Riverside, these insurance companies offer the lowest rates based on your situation:
- Cheapest With a DUI: GEICO (from $103 per month)
- Cheapest With an Accident: GEICO (from $76 per month)
- Cheapest With a Speeding Ticket: GEICO (from $64 per month)
Cheapest Car Insurance With a DUI in Riverside
GEICO offers the most affordable car insurance in Riverside for drivers with a DUI. Our analysis shows rates up to 43% below average for minimum coverage and 39% lower for full coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| GEICO | $103 | $1,234 | -43% |
| Farmers | $125 | $1,505 | -30% |
| Progressive | $126 | $1,508 | -30% |
| Mercury Insurance | $130 | $1,556 | -28% |
| Auto Owners | $143 | $1,713 | -21% |
Cheapest Car Insurance With an Accident in Riverside
Drivers in Riverside with an accident can find the lowest rates with GEICO, starting at $76 per month, 36% less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| GEICO | $76 | $914 | -36% |
| AAA | $82 | $987 | -31% |
| Progressive | $91 | $1,090 | -24% |
| Auto Owners | $95 | $1,138 | -21% |
| Farmers | $100 | $1,204 | -16% |
Cheapest Car Insurance With a Speeding Ticket in Riverside
Riverside drivers with a speeding ticket can find the lowest rates through GEICO. The insurer offers the cheapest minimum liability coverage at $64 per month and the most affordable full coverage at $146 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| GEICO | $64 | $771 | -42% |
| AAA | $75 | $906 | -31% |
| Progressive | $83 | $992 | -25% |
| Auto Owners | $91 | $1,095 | -17% |
| State Farm | $100 | $1,202 | -9% |
Best Car Insurance Companies in Riverside
In Riverside, the top car insurance companies are Progressive, GEICO, AAA and Auto-Owners. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| 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 |
Progressive: Best Overall Value
pros
Strong customer service ratings
Extensive coverage options
Competitive rates across driver type
cons
Higher rates than some competitors
Limited military discounts
COMPANY HIGHLIGHTS
Progressive ranks as Riverside's top car insurance provider by delivering consistent quality across all rating categories. The company stands out for having the second-best affordability score and third-best customer service rating in the area. Progressive offers rates well below the city average for both minimum and full coverage policies. Their extensive coverage options and strong claims handling make them particularly appealing for drivers wanting comprehensive protection.
GEICO: Best for Affordable Rates
pros
Lowest rates in Riverside
Multiple driver discounts available
Easy online experience
cons
Limited coverage customization options
Below-average customer service scores
COMPANY HIGHLIGHTS
GEICO offers the most affordable car insurance rates in Riverside, ranking first for affordability among all providers. Their monthly premiums run significantly lower than the city average for both coverage types. GEICO proves especially cost-effective for several driver categories, including seniors, young drivers, and those with bad credit. While they excel in pricing, their coverage options and customer service ratings fall below other top providers in the area.
How Much Is Car Insurance in Riverside?
In Riverside, minimum coverage costs about $73 per month or $878 per year, ranking 1,128th out of all California cities for affordability. Full coverage averages $155 monthly or $1,856 annually, ranking 1,112th among California cities.
| Full Coverage | $155 | $1,856 |
| Minimum Coverage | $73 | $878 |
Compare Personalized Riverside Car Insurance Costs
Since your profile may not match our earlier rate breakdowns, you can filter this table to see average Riverside rates for your exact combination of age, driving history and other factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $214 | $2,566 | 12% |
Riverside Car Insurance costs by ZIP Code
In Riverside, car insurance rates by ZIP code range from $61 to $180 per month. ZIP code 92507 is the most expensive, while 92506 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:92507
| 92507 | $87 | $180 |
How to Get the Best Cheap Riverside Car Insurance
Finding affordable car insurance in Riverside can feel overwhelming, especially with the area's high average rates and complex coverage options. Our step-by-step guide shows you how to secure cheaper coverage while maintaining the protection you need.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need based on your vehicle's value and your financial situation. Use our car insurance coverage needs calculator to get a personalized recommendation. This helps ensure you're not over-insuring or leaving yourself vulnerable with too little coverage.
- 2
Explore alternative insurance options
Consider specialized types of car insurance that might better fit your situation. If you drive infrequently, pay-per-mile coverage could save you money. Don't own a car? A non-owner policy might be your best choice.
- 3
Know the market rates
Research average vehicle insurance costs in Riverside to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize a good deal when you see one and gives you leverage when negotiating with insurance providers.
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Stack your savings with discounts
Maximize your savings by combining multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, security features and good student discounts can also reduce your premium significantly.
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Check company reliability scores
Research potential insurers' financial strength ratings and customer satisfaction scores. Look for companies with strong records in claims handling and customer service in Riverside. A slightly higher premium from a reliable insurer often proves more cost-effective than the cheapest option with poor service.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to ensure you're seeing all available options. Each company uses different factors to set rates, so comparing multiple quotes helps you find the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new quotes. Life changes like improving credit scores, moving or buying a new car can affect your rates. Regular reviews ensure you maintain appropriate coverage at the best possible price.
Cheapest Car Insurance in Riverside: Bottom Line
Car insurance rates in Riverside depend on your age, driving record and vehicle type. GEICO and Progressive offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Riverside Car Insurance: FAQ
Looking for cheap car insurance in Riverside? Our research team answers your most common questions about finding affordable coverage that fits your needs. We've analyzed rates and coverage options from major insurers to help you make informed decisions about your policy.
What is the cheapest car insurance company in Riverside, California?
GEICO offers the lowest rates in Riverside, with average annual premiums of $515 for minimum coverage and $1,185 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Riverside?
Progressive offers Riverside's best car insurance, scoring 91 out of 100 on MoneyGeek's rating system. They lead GEICO by four points, delivering excellent value through competitive rates and quality service.
What is the average cost of car insurance in Riverside?
In Riverside, full coverage car insurance costs $1,856 per year, while minimum coverage averages $878. Your actual rates will vary based on individual factors.
Is car insurance in Riverside expensive?
Car insurance in Riverside costs more than average, ranking 1,128th for minimum coverage affordability and 1,112th for full coverage compared to other California cities.
How We Chose the Best and Cheapest Car Insurance in Riverside, CA
To help Riverside drivers find the most affordable auto insurance companies, MoneyGeek analyzed Riverside auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Riverside and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Riverside Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Riverside with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Riverside
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Riverside based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.