Your place of residence can influence how much your car insurance premium will cost. Since Riverside is located in California, your car insurance rates will be determined according to the state’s minimum coverage requirements and the city’s accident rates in addition to your personalized factors. For you to get the best car insurance rates in Riverside, you need to request personalized quotes based on your location, age and driving history and more.
Compare the Cheapest Car Insurance Quotes in Riverside, CA
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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.
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The Best Cheap Car Insurance Companies in Riverside
Out of the 13 car insurance companies in Riverside, USAA offers the most affordable premium of $1,100 per year. However, USAA is exclusive to members or former members of the military and their families, though, so the general public may want to consider the second most affordable car insurance company in Riverside, Esurance.
Esurance offers an average annual premium of $1,119 — 48.3% lower than Allied, the most expensive car insurance company in the city.
The top five most affordable car insurance options in Riverside are USAA, Esurance, Progressive, GEICO and AAA.
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- CompanyAmountper year
- 1. USAA$1,100
- 2. Esurance$1,119
- 3. Progressive$1,150
- 4. GEICO$1,161
- 5. AAA$1,180
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.
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Cheapest Car Insurance in Riverside by Coverage Amount
How much car insurance coverage you purchase in Riverside also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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.
Different coverage levels of car insurance plans have limits when it comes to the amount they will cover. So, the question is, should you get a liability-only plan or full coverage for your car insurance plan in Riverside? You can consider the cost of the difference between the two levels of coverage.
A 50/100/50 liability-only plan means you can claim up to $50,000 in individual injuries, $100,000 for the accident and $50,000 for property damage — but this option is for paying for the other driver’s expenses, not yours. Getting the full-coverage option provides more financial protection to you and your vehicle by paying for your own costs, too.
In Riverside, a GEICO car insurance policy with 50/100/50 liability-only coverage costs $652 per year, while a full-coverage plan costs $405 more. Drivers with Travelers car insurance have the most expensive difference between minimum liability and full coverage — a $633 annual difference in car insurance premium between the two coverage types.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$444$574
- 2. Progressive$476$663
- 3. GEICO$474$652
- 4. AAA$518$630
- 5. Esurance$583$700
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$1,037$1,100
- 2. Progressive$1,049$1,150
- 3. GEICO$1,057$1,161
- 4. AAA$1,074$1,180
- 5. Esurance$1,073$1,119
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Cheapest Car Insurance in Riverside if You Have Tickets
Having a clean driving record is beneficial to you as it can help you in getting more affordable car insurance rates in Riverside.
In Riverside, drivers with a clean driving record will pay $1,051 less for their Progressive car insurance policy than drivers with a speeding ticket. The difference in car insurance premiums is more significant for drivers who have DUI in their driving record. AAA’s annual car insurance rate for Riverside drivers with a clean record is at $1,180, but drivers who have a DUI on their record will pay $3,647.
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 CodeState Minimumper year
- 92509$1,322
- 92503$1,361
- 92504$1,375
- 92507$1,412
top ratedCar Insurance agentsRiverside2021Top Agents Offering Affordable Car Insurance in Riverside
1. Preferred Auto Insurance3501 Adams St, Ste 400, Riverside, CA, 92504
2. Speedy Insurance Agency2995 Van Buren Blvd, Ste A7, Riverside, CA, 92503
3. Scott Fowler - State Farm Insurance Agent6950 Indiana Ave, Ste 1, Riverside, CA, 92506
4. Adolfo Saldana - State Farm Insurance Agent7344 Magnolia Ave, Ste 100, Riverside, CA, 92504
5. Get Auto Registration9824 Magnolia Ave, Ste 2, Riverside, CA, 92503
Insurance Providers That Serve Riverside
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.
Shopping around for car insurance in Riverside could save you $249, which is enough to buy:
83Cups of Coffee
19Months of Your Favorite Streaming Service
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.
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