Compare the Cheapest Car Insurance Quotes in Riverside, CA

The average car insurance rate in Riverside is $1,367 annually, which is cheaper than the state average. The cheapest widely available insurer is Esurance, at an average of $1,119 annually. MoneyGeek analyzed the cheapest options across coverage levels and driver profiles. For drivers looking to balance cost and quality, MoneyGeek ranked the best car insurance companies in Riverside.

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Last Updated: 5/16/2022
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In Riverside, Esurance offers the cheapest full coverage auto insurance policies and is also the cheapest for drivers with tickets. GEICO is the cheapest for minimum coverage. However, rates can vary by driver profile and coverage amount. USAA is the cheapest option for military families. MoneyGeek recommends Erie as its top pick when balancing price and customer service.

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The Cheapest and Best Car Insurance in Riverside

The Cheapest Car Insurance Companies in Riverside

On average, the following insurers offer the most affordable full coverage insurance in Riverside:

  • Esurance: $1,119 annually
  • Progressive: $1,150 annually

Military families will find USAA auto insurance an affordable option with an average annual premium of $1,100.

Allied is the most expensive insurer at a cost of about $1,659 per year, which is over $500 more than Esurance. Both providers charge the same fees for comprehensive and collision coverage. Your rates may change if you explore alternative liability limits coverage and have a different driving profile.

Cheapest Car Insurance in Riverside
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $1,100
  • 2.
    Esurance
    $1,119
  • 3.
    Progressive
    $1,150
  • 4.
    GEICO
    $1,161
  • 5.
    AAA
    $1,180
  • 6.
    Allstate
    $1,265
  • 7.
    MetLife
    $1,288
  • 8.
    Mercury
    $1,362
  • 9.
    State Farm
    $1,469
  • 10.
    Hartford
    $1,523
  • 11.
    Farmers
    $1,594
  • 12.
    Travelers
    $1,639
  • 13.
    Allied
    $1,659

MoneyGeek gathered average insurance costs in Riverside for a 40-year-old male driver with a full coverage policy, which includes comprehensive and collision coverage with coverage levels listed in the methodology.

A full coverage car insurance policy contains both comprehensive and collision coverage. This is crucial because it protects you from the financial strain associated with car damage.

  • Collision Insurance: This covers the cost of damages to your car in the event of a collision with another vehicle or a stationary object.
  • Comprehensive Insurance: This protects you against non-collision-related damages to your car, such as hail, theft or vandalism.

If you own an older car, getting full coverage auto insurance may be more expensive than your car is worth. Older car owners who wish to save money might opt for liability-only insurance or coverage that meets the very minimum requirements specified by their respective states.

Compare Car Insurance Rates in Riverside

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Riverside for Minimum Coverage

The most cost-effective insurance option for drivers in Riverside is minimum coverage policies.

The following companies offer the most competitive rates for minimum coverage on average:

  • GEICO: $474 annually
  • Progressive: $476 annually

The annual cost for USAA auto insurance in Riverside is roughly $444 per year, making it an economical choice for military families.

The average annual premium for Esurance is cheaper than the average annual cost of Allied, which is roughly $753.

While minimum coverage insurance is the cheapest option, it excludes comprehensive and collision coverage and has lower liability limits. Because of this, you may be at risk of being underinsured in the event of an accident.

See how rates change when liability limitations increase using the table below.

Cheapest Minimum Liability Car Insurance in Riverside
State Minimum

Drivers in California are required to carry 50/100/50 liability insurance. This is the cheapest vehicle insurance in Riverside, resulting in an affordable monthly rate. However, if you are involved in an accident, you may have to pay extra out of pocket.

For example, if you cause an accident and the other party's medical bills total $60,000, your minimal coverage insurance will only pay up to $50,000, and you'll be responsible for the remaining $10,000 in medical expenses.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Riverside if You Have Driving Violations

DUIs and speeding tickets can drastically increase the cost of car insurance in Riverside. The following insurance companies offer the best value on average for your exact violation:

  • Cheapest after a ticket: Esurance, $1422 annually
  • Cheapest after an at-fault accident: Esurance, $ 1761 annually
  • Cheapest after a DUI: Mercury, $2,232 annually

For military families, USAA offers the cheapest coverage for drivers with speeding tickets.

If you have a history of traffic violations, the best course of action is to work on improving your record gradually. In the meantime, compare insurance quotes after receiving a traffic ticket or being involved in a car accident to see which insurers offer the most affordable prices.

Cheapest Car Insurance in Riverside With a Violation
Speeding Ticket

Average Cost of Car Insurance in Riverside

Riverside$1,367
California$1,429
U.S.$1,424

On average, the annual car insurance rate in Riverside is $1,367, which is lower than both the state average and national average annual premiums. Generally speaking, policyholders in Riverside City pay 4.3% lower than California’s annual average rate of $1,429, and 4% lower than the nationwide $1,424 average annual rate.

Personalized Quotes to Get You the Cheapest Car Insurance in Riverside

Your personal circumstances may change over time which qualify you for discounts and other company-specific savings, so it’s best that you regularly request personalized quotes from several car insurance companies in Riverside for you to find the coverage that can meet your individual needs. annual average car insurance premium of $3,023 for an 18-year-old male driver — roughly three times as expensive as similar coverage for a 70-year-old male driver.

Your personal circumstances may change over time which qualify you for discounts and other company-specific savings, so it’s best that you regularly request personalized quotes from several car insurance companies in Riverside for you to find the most affordable coverage that can meet your individual needs.

Compare Car Insurance Rates in Riverside

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Riverside

MoneyGeek identified the finest providers in Riverside for drivers searching for a combination of cost and service quality. MoneyGeek's statistics indicate that the best auto insurance providers in Riverside for the majority of drivers are:

  • Esurance: MoneyGeek score of 90 out of 100
  • Progressive: MoneyGeek score of 90 out of 100

USAA obtained the top rating from MoneyGeek's grading system in Riverside. However, due to the fact that USAA is exclusively available to military personnel, veterans and their families, it is not recognized as the best overall.

MoneyGeek analyzed data points such as J.D. Power ratings for customer satisfaction, affordability and financial stability to generate final scores out of 100.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Where you live in California affects the price you’ll pay for your car insurance plan. Since car insurance rates vary depending on the neighborhood’s car-related statistics and vehicular accident rates, there’s a car insurance premium difference between ZIP codes in Riverside.

Among the four ZIP codes in Riverside, drivers living in ZIP code 92509 will pay the cheapest car insurance rates at $1,322 per year. On the other hand, drivers who live in Riverside’s most expensive ZIP code, 92507, will pay $90 more in annual car insurance premiums than the drivers in 92509 pay.

  • Zip Code
    State Minimumper year
  • 92509
    $1,322
  • 92503
    $1,361
  • 92504
    $1,375
  • 92507
    $1,412

Factors That Impact Insurance Costs in Riverside

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Riverside. How Riverside ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities164th/300
handcuffs2 icon
Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall282nd/300
umbrella icon
Most Rainy Days294th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Riverside are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.