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: November 11, 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.
Car insurance costs in Riverside average $155 for full coverage and $73 for minimum coverage monthly.
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% |
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Compare the Cheapest Riverside Car Insurance
Your car insurance rates vary based on your driving history and personal details. Check the table below to find the most affordable company for your driver profile.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
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 on age. Based on our data in Riverside, we split drivers into three categories: 16 to 25 (young), 26 to 64 (adults) and 65 or older (seniors). GEICO offers the lowest monthly rates for each group:
- Young drivers: $87
- Adults: $43
- Seniors: $47
Cheapest Car Insurance for Young Drivers in Riverside
In Riverside, GEICO and State Farm offer the most affordable car insurance options for ages 16 to 25, with monthly premiums starting at $87 and $96.
Data filtered by:
State Minimum Liability Only
Male
Good
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
GEICO provides the lowest rates for adult drivers (26 to 64) in Riverside, with average savings of 43%. AAA and Progressive are also highly affordable for this age group.
Data filtered by:
State Minimum Liability Only
Male
Good
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. Full coverage costs $105 per month or $1,265 per year.
Data filtered by:
State Minimum Liability Only
Male
Good
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
For high-risk drivers in Riverside, GEICO is the cheapest option with these starting monthly rates:
- DUI: $103
- At-fault accident: $76
- Speeding ticket: $64
Cheapest Car Insurance With a DUI in Riverside
GEICO has 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% below average for full coverage.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
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.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
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.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
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
Progressive, GEICO, AAA and Auto-Owners are the top car insurance companies in Riverside. These providers offer 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
pros
High customer satisfaction scores
Offers comprehensive coverage
Competitive prices for various drivers
cons
Rates higher than the city average
Fewer military discount options
COMPANY HIGHLIGHTS
Progressive ranks as Riverside's top car insurance provider by delivering consistent quality across all rating categories. The company has the second-best affordability score and third-best customer service rating in the area. Progressive offers rates below the city average for minimum and full coverage policies. Its extensive coverage options and strong claims handling appeal to drivers wanting comprehensive financial protection.
GEICO: Most Affordable
pros
Cheapest rates in the city
Multiple driver discounts
Strong digital user experience
cons
Fewer policy customization options
Customer service ranks below average
COMPANY HIGHLIGHTS
GEICO offers the most affordable car insurance rates in Riverside, ranking first for affordability among all providers. Its monthly premiums run much lower than the city average for both coverage types. GEICO is cost-effective for several driver categories, including seniors, young drivers and those with bad credit. While tGEICO excels in pricing, its 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:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
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.
Data filtered by:
92507
| 92507 | $87 | $180 |
How to Get the Best Cheap Riverside Car Insurance
Finding affordable car insurance in Riverside can feel overwhelming due to the area's high average rates. Our guide shows you how to get cheaper coverage while maintaining the financial protection you need.
- 1Calculate your coverage needs
Determine the coverage you need based on your vehicle's value and financial situation. Use our car insurance coverage needs calculator to get a personalized recommendation. This helps ensure you maintain the right amount of coverage.
- 2Explore alternative insurance options
Specialized types of car insurance might better fit your situation. If you drive infrequently, pay-per-mile coverage can save you money. Don't own a car? A non-owner policy is often your best choice.
- 3Know 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 find a good deal when you compare providers.
- 4Maximize your savings with discounts
Instead of just one car insurance discount, look for opportunities to stack them. For instance, always check for discounts by bundling multiple policies (like auto and home) or qualifying for multi-car discounts.
Safe driver programs, vehicle security features and good student status can all help reduce your premium. Ask your agent or check the insurer’s website to find all the potential savings you qualify for.
- 5Check company reliability
Research insurers' financial strength ratings and customer satisfaction. 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.
- 6Get 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 see all available options. Since each company uses different factors to set rates, comparing multiple quotes is the best way to find the lowest price.
- 7Review 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
Buying car insurance in Riverside is complicated because location and driving history drastically affect your rates. We know you want reliable data tailored to your specific profile. We designed our analysis to simplify your search by rating companies based on local data and matching rates to common Riverside driver types.
Data Collection and Scope
We compiled auto insurance rates by analyzing all ZIP codes in Riverside and gathering hundreds of thousands of quotes. Our research included data from the California Department of Insurance and Quadrant Information Services. We studied 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Defining Our Sample Driver
We used a sample driver profile to calculate average car insurance quotes in Riverside. This single profile serves as the baseline, allowing you to clearly see how changes to age or driving record impact the final cost.
Our base profile included:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license, currently insured, and no claims history
We adjusted factors like age, driving record, and credit score to find the most suitable insurance companies for specific driver profiles in Riverside.
Coverage Levels We Used
We compared the most affordable insurance providers for both minimum and full coverage policies. This gives you the flexibility to choose the appropriate financial protection for your needs.
California Minimum Coverage
The minimum coverage requirements in California are:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
Full Coverage
For a full coverage policy, we used the following 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 three core factors to give you a full picture beyond just price.
- Affordability (60%): We evaluated quotes for various common driver profiles and compared rates to competition within the city.
- Customer experience (30%): We used sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment.
- Coverage options (10%): This score reflects the amount of coverage options a provider offers, in addition to the uniqueness of the 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
