Finding the cheapest or best auto insurance in Riverside depends on aspects like coverage and driver details. For full coverage, Progressive takes the lead, whereas for those with teen drivers, GEICO is your most budget-friendly choice. GEICO is the cheapest for minimum coverage. When quality service is your priority, Chubb tops the chart for customer satisfaction. Capital Insurance Group, is ranked best for overall value, which combines cost and service. Ultimately, the optimal choice depends on your personal preferences and needs.
Cheapest and Best Car Insurance in Riverside, CA (2024)
GEICO offers Riverside, California's cheapest minimum car insurance at $440 annually. Also, Capital Insurance Group, with a MoneyGeek score of 82 (out of 100), stands as the best for a blend of affordability and service.
Updated: November 21, 2024
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Cheapest and Best Car Insurance in Riverside
Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Riverside, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Riverside insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Riverside, CA, as of July 2024.
Cheapest Minimum Liability Car Insurance in Riverside
MoneyGeek found that GEICO is the cheapest option in Riverside for car insurance. Here are the two most affordable providers:
- GEICO: $440 per year
- Progressive: $447 per year
Conversely, Chubb has the most expensive minimum coverage policy, with an annual premium of $837. This stark contrast in pricing, with a difference of $397 between the lowest and highest, underscores the significance of comparing car insurance options to secure the best rate.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
GEICO | $440 | $37 |
Progressive | $447 | $37 |
Mercury | $495 | $41 |
Kemper | $543 | $45 |
AAA | $563 | $47 |
Farmers | $614 | $51 |
Capital Insurance Group | $630 | $53 |
State National | $633 | $53 |
State Farm | $642 | $53 |
National General | $653 | $54 |
Hartford | $656 | $55 |
Allstate | $697 | $58 |
Travelers | $705 | $59 |
Nationwide | $716 | $60 |
Chubb | $837 | $70 |
In California, state law sets the minimum car insurance requirements. Here's a snapshot of the mandated coverage:
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $5,000 for property damage liability per accident
Let's say you have the minimum coverage and are involved in an accident where the bodily injury to one person is $20,000. Your policy would cover the first $15,000, and you'd be responsible for the remaining $5,000 out-of-pocket.
Cheapest Full Coverage Car Insurance in Riverside
MoneyGeek found that Progressive offers the most wallet-friendly option for cheapest full coverage car insurance in Riverside.
- Progressive: $1,099 per year
- GEICO: $1,190 per year
Farmers has the most expensive full coverage policy in Riverside, with an annual premium of $2,211, which is $1,112 more than Progressive. Full coverage policies are pricier than minimum coverage because they offer a broader level of protection for your vehicle, covering events beyond just third-party liability.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Progressive | $1,099 | $92 |
GEICO | $1,190 | $99 |
National General | $1,256 | $105 |
AAA | $1,277 | $106 |
Mercury | $1,293 | $108 |
Allstate | $1,344 | $112 |
Kemper | $1,465 | $122 |
Capital Insurance Group | $1,487 | $124 |
Hartford | $1,503 | $125 |
State National | $1,504 | $125 |
State Farm | $1,627 | $136 |
Nationwide | $1,762 | $147 |
Chubb | $1,960 | $163 |
Travelers | $2,043 | $170 |
Farmers | $2,211 | $184 |
Riverside full coverage provides $100,000 for individual bodily injury, $300,000 per accident for bodily injury and $100,000 in property damage liability. This enhanced protection level is succinctly referred to as a 100/300/100 policy.
This full coverage option incorporates additional layers beyond liability with the inclusion of both comprehensive and collision insurances:
Collision Insurance: This component is essential as it reimburses you for repairs to your car in the event it collides with another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage. .
Comprehensive Insurance: Unlike collision insurance, comprehensive coverage steps in to cover costs for damages to your car that are not collision-related, such as theft or natural disasters and being struck by an animal like a deer.
For those with a new vehicle, investing in full coverage insurance is a good move. With older vehicles, the decision to opt for advanced coverage, with its accompanying higher cost, may not be as straightforward. When it comes to choosing how much car insurance you need, take into account both coverage and cost.
Cheapest Car Insurance in Riverside After a Driving Offense
MoneyGeek found that National General is the most affordable option in Riverside for drivers with a poor driving history. Here are the cheapest providers for each specific incident:
- Speeding Ticket: National General ($1,318 per year)
- At-fault Accident: Capital Insurance Group ($1,752 per year)
- DUI: National General ($1,318 per year)
Drivers with a DUI pay the same cheapest rate as those with a speeding ticket through National General, but certain companies may have higher premiums for more serious offenses.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
National General | $1,318 | $110 |
AAA | $1,653 | $138 |
Mercury | $1,707 | $142 |
Capital Insurance Group | $1,714 | $143 |
GEICO | $1,767 | $147 |
Kemper | $1,945 | $162 |
Allstate | $1,957 | $163 |
Progressive | $2,073 | $173 |
State National | $2,138 | $178 |
Hartford | $2,248 | $187 |
State Farm | $2,413 | $201 |
Chubb | $2,575 | $215 |
Nationwide | $3,050 | $254 |
Farmers | $3,064 | $255 |
Travelers | $3,100 | $258 |
Insurance rates in cities like Riverside are often higher for drivers with infractions due to the increased risk they pose to insurers. For example, a Riverside driver with a speeding ticket could see an annual rate average of $2,181, while one with a DUI offense averages a significant increase to $3,640 annually.
Cheapest Car Insurance in Riverside for Teens and Their Families
MoneyGeek found that GEICO is the cheapest option in Riverside for families seeking the cheapest car insurance for teens. Here are the two most affordable providers:
- GEICO: $2,906 per year for female teens and $3,036 per year for male teens
- State Farm: $,3255 per year for female teens and $3,255 per year for male teens
These rates offer a comprehensive coverage package for a family with two parents and a teen driver. Among the evaluated companies, Kemper is the most expensive option in Riverside for insuring a teen driver, with an annual premium of $6,128 for female teens.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
GEICO | $2,906 | $3,382 |
State Farm | $3,255 | $3,320 |
Allstate | $3,307 | $3,615 |
Farmers | $3,609 | $4,687 |
Capital Insurance Group | $3,631 | $3,388 |
Progressive | $3,708 | $3,693 |
Travelers | $4,377 | $3,665 |
Nationwide | $5,874 | $7,613 |
Kemper | $6,128 | $5,978 |
In Riverside and similar cities, teen drivers often face steep car insurance premiums. An average individual annual premium for teens amounts to $4,429, considerably higher than the $4,103 average when added to a joint family plan. Insurers impose higher rates on individual policies for teens due to the elevated risk they pose.
Cheapest Car Insurance in Riverside for Military Drivers
MoneyGeek found that Progressive is the cheapest option for full coverage car insurance, specifically for those with military backgrounds in Riverside. When searching for the cheapest car insurance for military backgrounds, consider the following providers:
- Progressive: $1,099 per year
- GEICO: $1,190 per year
Although USAA is ranked third at $1,254 per year, which is slightly higher than the first two, it stands out by offering services that are specifically tailored to the needs of active duty military members.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Progressive | $1,099 | $92 |
GEICO | $1,190 | $99 |
USAA | $1,254 | $104 |
National General | $1,256 | $105 |
AAA | $1,277 | $106 |
Mercury | $1,293 | $108 |
Allstate | $1,344 | $112 |
Kemper | $1,465 | $122 |
Capital Insurance Group | $1,487 | $124 |
Hartford | $1,503 | $125 |
State National | $1,504 | $125 |
State Farm | $1,627 | $136 |
Nationwide | $1,762 | $147 |
Chubb | $1,960 | $163 |
Travelers | $2,043 | $170 |
Farmers | $2,211 | $184 |
How to Compare Cheap Riverside Car Insurance Quotes Online
If you are in Riverside, you can use MoneyGeek's car insurance calculator to determine insurance premiums in the area. By simply inputting one's age, driving history, credit score, desired coverage level and several other details, you can receive an estimated rate.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 06, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Riverside: Overview
Finding the right auto insurance depends on your priorities and how you weigh factors like service quality, cost, coverage and other variables. MoneyGeek's research into Riverside's top car insurance providers reveals:
- Best overall: Capital Insurance Group(Score 82 out of 100)
- Best for service: Chubb (Score 94 out of 100)
- Best cheap: Mercury (Score 78 out of 100)
Capital Insurance Group leads with a balance of service and affordability, making them the best overall. Chubb excels in customer service, while Mercury provides a budget-friendly option without compromising too much on service.
Best Overall Car Insurance in Riverside
MoneyGeek found that Capital Insurance Group is the best option in Riverside for drivers seeking top-tier car insurance. According to the comprehensive guide, the providers with the highest MoneyGeek scores in Riverside are:
- Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,487 per year)
- Chubb: MoneyGeek score of 81 out of 100 ($1,960 per year)
Capital Insurance Group excels with a balance of customer satisfaction and affordability, contributing to its high total score.
Capital Insurance Group’s high MoneyGeek score is influenced by its top-rated customer satisfaction and solid claims process. It also offers custom parts coverage and full glass coverage. Capital Insurance Group offers cover for a range of customers. Capital Insurance Group includes both common coverages: roadside assistance and rental car and/or travel reimbursement.
- Ranks first for general customer satisfaction
- Ranks well in the city for claims satisfaction
- Offers rare coverages like full glass and custom parts
- Ranks eighth in the city for cost, with an average annual premium of $1,487
- Does not offer gap Insurance
MoneyGeek ranks Riverside's top car insurers prioritizing customer satisfaction and cost-effectiveness, with claims service, coverage options and financial health also key.
Best Car Insurance in Riverside for Customer Service
Chubb is the best option in Riverside for exemplary car insurance customer service. Their evaluation highlights a commitment to general satisfaction, proficient claims handling and comprehensive coverages.
- Chubb: MoneyGeek score of 94 out of 100 ($1,960 per year)
- Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,487 per year)
Chubb stands out not only for their near-perfect claims score but also for their high coverage options which contribute significantly to their overall MoneyGeek score.
Chubb's coverage options are tailored to meet diverse needs. It offers OEM coverage and common rental car/travel reimbursement. It also offers diminished value coverage, which is beneficial in preserving the resale value of your car following an accident. Chubb excels in satisfaction and claims handling.
- Ranks well in the city for general customer satisfaction
- Ranks well in the city for claims satisfaction
- Offers rare OEM coverage and common rental car/travel reimbursement
- Does not offer gap insurance
MoneyGeek ranks Riverside car insurance prioritizing customer service and claims efficiency, with coverage options and company solvency as key factors.
Best Cheap Car Insurance Companies in Riverside
MoneyGeek found that Mercury is the best option for cheap car insurance in Riverside. The scoring acknowledges that while affordability is heavily weighted, customer satisfaction also counts.
- Mercury: MoneyGeek score of 78 out of 100 ($495 per year)
- Capital Insurance Group: MoneyGeek score of 76 out of 100 ($630 per year)
Mercury stands out in Riverside not only for its affordability but also for its well-rounded service offerings.
Mercury shines in the affordability and satisfaction categories, leading to its robust MoneyGeek score. The average driver enjoys an annual premium of just under $495 for minimum coverage, highlighting significant savings. Among its reasonably rare discounts, Mercury offers an automatic payment option, ensuring timely and hassle-free premium payments. Mercury's breadth of discount include multiple car and bundling, among others.
- Offers discounts like automatic payment and teacher discounts
- Not top ranking in claims handling
MoneyGeek ranks Riverside's best car insurance, prioritizing affordable minimum policies and customer satisfaction, also considering claims, coverage options and financial health.
Average Cost of Car Insurance in Riverside
The average cost of car insurance in Riverside, California, is $1,543, moderately lower than the state's average. California's average car insurance cost is $1,562, which itself lies below the national average of $1,781. In the broader picture, the state's average shows a substantial saving of $219 when compared to national car insurance costs.
Location plays a crucial role in determining car insurance premiums, and while other factors, such as an individual's driving history and vehicle model, are significant, the impact of geographical variables is substantial. Higher population density, traffic patterns and local crime rates are among the key location-based factors that affect insurance rates.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.