bestauto insuranceRiverside2022Compare 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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 11/3/2022
Written By |
Mark Fitzpatrick
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.
bestauto insuranceRiverside2022The Cheapest and Best Car Insurance in Riverside
Cheapest Overall - Esurance
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
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
- Company100/300/100per year
- 1.$1,100
- 2.$1,119
- 3.$1,150
- 4.$1,161
- 5.$1,180
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.
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
- CompanyState Minimumper year
- 1.$444
- 2.$474
- 3.$476
- 4.$518
- 5.$559
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
- ItemDescription
- 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.
The Best Car Insurance Companies in Riverside
MoneyGeek gathered average rates, claims ratings and customer satisfaction scores to find the best car insurance companies in Riverside, California. Using these criteria, the top-rated insurance providers in Riverside are:
- AAA: MoneyGeek score of 92 out of 100
- GEICO: MoneyGeek score of 89.8 out of 100
USAA received a MoneyGeek score of 96.6 out of 100, making it the best auto insurer in Riverside for eligible military personnel. It was excluded from our overall analysis because its policies are only available to military members and their families.
1
AAA
Score:100
AAA is our top pick in Riverside, ranking first for affordability and claims with a very high customer satisfaction rating. Its full coverage policy for a 40-year-old driver costs roughly $1,180 per year, with identity theft coverage included, because of club membership.
More About AAA
AAA membership, which you must have to get AAA car insurance in Riverside, includes roadside assistance and identity theft coverage. Roadside assistance covers fuel delivery, flat tire changes, battery jumpstarts and replacements, vehicle lockout services and towing. Identity theft coverage protects you from fraud by monitoring your personal and financial information. AAA’s add-on car rental reimbursement coverage pays for a car rental or public transportation expenses, to your policy limit, if your car is not drivable or is undergoing repairs because of a covered claim.
Read MoneyGeek's AAA auto Insurance Review2
GEICO
Score:90
GEICO is our runner-up in Riverside, with very high customer satisfaction and affordability scores and a high claims rating. Its full coverage policy for a 40-year-old driver costs an average of $1,161 per year. Drivers have the option to add a rare coverage: mechanical breakdown insurance.
More About GEICO
On top of common add-on coverages in Riverside, like roadside assistance and rental car and/or travel reimbursement, GEICO provides mechanical breakdown insurance (MBI), a rare offering. MBI protects every part and system in your insured car — more than a dealer’s extended warranty — but you need to have a new or leased car that is less than 15 months old with less than 15,000 miles to add it to your policy.
Read MoneyGeek's GEICO auto Insurance ReviewAverage 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 CodeState 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.
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