Car Insurance in Riverside

GEICO sets the standard in Riverside with minimum coverage at $515 yearly, beating the city's $878 average by 39%. Their full coverage runs $1,185 annually versus Riverside's average of $1,856.

Progressive comes in second with full coverage rates of $1,298 per year. AAA rounds out the top three with competitive pricing for Riverside drivers.

Riverside's historic designation as California's first "inland city" positioned it as an agricultural and transportation hub, characteristics that persist today. Freight traffic on I-215 and State Route 91, combined with commuters heading to Los Angeles or Orange County, creates varied risk profiles that insurers evaluate carefully.

Young drivers under 25 pay the highest insurance costs in Riverside, while adults get the best deals. GEICO offers young drivers coverage for $1,045 per year.

Adult drivers pay $515 annually with GEICO, saving $530 compared to young drivers. Senior drivers get their best rate from GEICO at $560 per year, just 9% more than adults pay.

The University of California, Riverside brings young drivers to neighborhoods near campus, where rental housing and higher-density areas see more parking lot accidents. Established homeowners in Riverside's historic districts drive less frequently and maintain lower risk profiles.

Young drivers in Riverside get the cheapest rates from GEICO, which offers minimum coverage at $87 per month. State Farm follows at $96 monthly, with Wawanesa and Farmers close behind. Insurance costs for drivers ages 16 to 25 are often higher in Riverside due to heavy traffic on State Route 91 and Interstate 215, which increases accident frequency. These companies keep premiums lower than most competitors for young drivers navigating the area’s busy commuter corridors.

Adult drivers ages 26 to 64 find the lowest premiums through GEICO, which prices policies about 43 percent below the city average. AAA and Progressive also offer strong options for drivers with clean records. Riverside’s mix of suburban neighborhoods, college traffic, and major highways can create variable insurance costs, but these three insurers consistently provide more affordable pricing for adults across the region.

Senior drivers in Riverside get the most affordable coverage from GEICO, starting at $47 per month for minimum liability. Full coverage remains competitive at $105 monthly. State Farm and Progressive follow with rates that remain below the city average. These insurers perform well for seniors seeking stable pricing in an area where medical liability claims and repair costs often push premiums higher.

High-risk drivers in Riverside can still find budget-friendly options, particularly through GEICO, which leads across all violation categories. Whether the issue is a DUI, at-fault accident, or speeding ticket, GEICO consistently charges the lowest starting monthly premiums in the local market.

• DUI: GEICO (from $103 per month)
• Accident: GEICO (from $76 per month)
• Speeding ticket: GEICO (from $64 per month)

Drivers with a DUI in Riverside get the lowest rates from GEICO, with premiums beginning at $103 per month. These rates run substantially lower than the city’s typical post-DUI pricing. Farmers and Progressive offer the next most affordable options, but GEICO remains the standout for minimizing the steep surcharges that normally follow a DUI conviction in California.

For Riverside drivers with an at-fault accident on their record, GEICO provides the cheapest coverage at $76 per month. AAA and Progressive also offer relatively low pricing for accident-affected drivers. Riverside’s high traffic volume often leads to costly accident surcharges, but these insurers maintain more moderate increases than others in the region.

Riverside drivers with a speeding ticket can secure the lowest rates through GEICO, which charges $64 monthly for minimum coverage and offers the cheapest full coverage at $146 per month. AAA and Progressive remain competitive as well. Given Riverside’s active law enforcement presence on major freeways, these lower-cost options help drivers keep premiums manageable after a violation.

Progressive earned the highest ranking in Riverside with a score of 91 out of 100. The company combines competitive rates with strong customer service and efficient claims handling.

GEICO takes second place with a score of 87, offering exceptional value for budget-minded drivers. Both companies maintain solid financial ratings and low complaint ratios with California regulators.

Car insurance in Riverside costs an average of $73 per month for minimum coverage and $155 per month for full coverage. These rates fall slightly below California's state average, making Riverside a moderately affordable market.

GEICO's minimum coverage rate of $43 monthly demonstrates the substantial savings possible through comparison shopping. Your actual premium depends on your driving record, age and coverage selections.

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.

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.

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.

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.

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.