Cheapest and Best Car Insurance Companies in Riverside, CA

Riverside drivers can purchase the best and cheapest full and minimum coverage policies from GEICO. The provider also has the least expensive rates for teens. Chubb is ideal for drivers who value service, while USAA suits military personnel looking for cheap policies. After driving offenses like a speeding ticket or a DUI, National General offers the most affordable rates.

In Riverside, the companies offering the most affordable minimum coverage auto insurance policies are:

• GEICO: $386 per year
• Progressive: $443 per year

Chubb is the priciest at $837 per year as of October 2022.

Liability-only policies in the Golden State require bodily injury and property damage coverage up to:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $5,000 property damage liability per accident

In an at-fault accident, the driver’s insurance policy covers damages to the other driver and any passengers. The insurance company pays for medical expenses of up to $15,000 for each individual, up to $30,000 per incident. If costs surpass these limits, the at-fault driver must shoulder the balance.

Our data shows the following companies provide the least expensive full coverage insurance rates in Riverside:

• GEICO: $1,040 per year
• Progressive: $1,058 per year

The most expensive provider for a full coverage policy is Chubb — its premiums average around $1,960 per year as of October 2022.

Drivers who prefer more robust protection should consider full coverage since it has collision and comprehensive insurance.

• Collision Insurance: Pays for any damage to your vehicle after a crash with an object or another car.
• Comprehensive Insurance: Covers damages caused by severe weather, animals, theft and vandalism.

Full coverage might be a better fit for drivers with newer vehicles because it protects their recent investment. However, those with older cars may find the added insurance costs more than the vehicle’s worth.

Drivers in Riverside with an offense on their records will find the cheapest premiums with National General as follows:

• Speeding ticket: National General ($1,118 per year)
• At-fault accident: National General ($1,581 per year)
• DUI: National General ($1,118 per year)

The priciest premiums are from Chubb after a speeding ticket ($2,575 per year), Hartford following a DUI ($4,750 per year) and Kemper after an at-fault accident ($3,221 per year). Auto insurance rates tend to increase after a violation. Sometimes the cheapest rate for a driver with an offense is still more expensive than the most affordable premium for safe drivers.

The average Riverside driver pays roughly $1,351 per year, but premiums usually increase following a driving violation. Drivers with a DUI on their record pay roughly $1,903 more, while those with a speeding ticket will see a $554 increase on their auto insurance. It’s still possible to get cheap car insurance even after a violation if you shop around.

If you want to add your 16-year-old to a family policy, the most affordable companies in Riverside are:

• GEICO: $2,906 per year for female teens; $3,036 per year for male teens
• State Farm: $3,255 per year for both female and male teens

Kemper is the priciest insurance carrier for teens, with policies costing roughly $6,128 per year. In some cases, auto insurance is more costly for male teens because they are viewed as high-risk. However, the gap closes, and rates are more affordable as they hit their 20s.

One foolproof way to save on premiums is to add your teen driver to the family policy rather than purchasing a separate one. The average rate for adding a teen to a family policy in Riverside is $3,825 per year. That is $673 or around 15% cheaper than buying the teen a separate policy. Always shop around to find the cheapest car insurance for teens.

Active military members, veterans and their families who need affordable full coverage will find favorable rates with:

• USAA: $927 per year
• GEICO: $1,040 per year

Compared to 16 providers in our evaluation, USAA is the cheapest auto insurance company for military personnel. If you prefer minimum coverage, GEICO and USAA have the least expensive rates, costing $386 per year and $403 per year, respectively.

You can spend longer providing your personal information to get an online insurance quote. Repeating this process on different auto insurance websites can be time-consuming. MoneyGeek’s car insurance calculator can quickly give you a rate estimate. All you need to do is input your age, vehicle make and model, driving history and preferred coverage level.

To find the best auto insurance company, assess how you prioritize affordability, service and coverage type. We handpicked top-performing companies for each category:

• Best overall: GEICO (MoneyGeek score of 75 out of 100)
• Best for service: Chubb (MoneyGeek score of 76 out of 100)
• Best cheap: GEICO (MoneyGeek score of 78 out of 100)

MoneyGeek scores can change based on the weightings per category. The best auto insurance provider in California is CSAA, an excellent option overall. USAA suits drivers with a military background. The company received high marks in our study, earning a MoneyGeek score of 85 out of 100.

To choose the best provider, we prioritized companies that balance affordability and customer service. Our top picks are:

• GEICO: MoneyGeek score of 75 out of 100 ($1,040 per year)
• Progressive: MoneyGeek score of 74 out of 100 ($1,058 per year)

GEICO offers the most affordable premiums and ranks fourth-highest in customer satisfaction out of 15 insurance companies. USAA, with a MoneyGeek score of 85 out of 100, is an outstanding option for drivers with a military background.

When selecting the best insurer for customer satisfaction, we excluded affordability. The two companies that shined are:

• Chubb: MoneyGeek score of 76 out of 100 ($1,960 per year)
• Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,465 per year)

Chubb earned the highest rating in claims and is the runner-up in customer service. However, Chubb offers the priciest policies compared to 15 companies, so you pay more for outstanding service quality.

The best auto insurance providers with policies that follow California minimum requirements are:

• GEICO: MoneyGeek score of 78 out of 100 ($386 per year)
• Progressive: MoneyGeek score of 73 out of 100 ($443 per year)

Minimum coverage policies are often affordable but offer limited protection if you get into an accident. Liability-only policies usually cover bodily injury and property damage liability, not damage to your car.

As of October 2022, Riverside car insurance rates cost around $1,351 per year, $36 less than the state average but $122 more than the national one. Our analysis found that the average cost of auto insurance in California is $1,387 per year, while the national rate average is $1,265 per year.

These quotes reflect a full coverage policy with $100,000 in bodily injury liability per person. For each accident, full coverage has a limit of $300,000 in bodily injury liability and $100,000 in property damage liability.