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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.

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2023

Cheapest and Best Car Insurance in Riverside, CA

Cheapest Minimum Liability Car Insurance in Riverside

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.

Company
Annual Premium
Monthly Premium

GEICO

$382

$32

GEICO

$386

$32

State Farm

$421

$35

Progressive

$443

$37

Progressive

$449

$37

GEICO

$456

$38

AAA California

$475

$40

Mercury

$477

$40

Mercury

$491

$41

AAA California

$496

$41

Progressive

$525

$44

Kemper

$543

$45

Travelers

$555

$46

Travelers

$555

$46

State Farm

$555

$46

Nationwide

$585

$49

Hartford

$590

$49

Mercury

$603

$50

AAA California

$605

$50

Nationwide

$607

$51

State National

$614

$51

Kemper

$626

$52

Travelers

$631

$53

State National

$633

$53

State Farm

$635

$53

Farmers

$649

$54

Allstate

$650

$54

Allstate

$657

$55

Farmers

$667

$56

Capital Insurance Group

$668

$56

National General

$671

$56

Hartford

$676

$56

National General

$691

$58

Capital Insurance Group

$693

$58

Allstate

$706

$59

State National

$744

$62

Farmers

$757

$63

Nationwide

$764

$64

Capital Insurance Group

$777

$65

Kemper

$829

$69

National General

$829

$69

Chubb

$837

$70

Chubb

$864

$72

Hartford

$877

$73

GEICO

$1,005

$84

State Farm

$1,009

$84

GEICO

$1,040

$87

Progressive

$1,054

$88

Progressive

$1,058

$88

National General

$1,064

$89

National General

$1,081

$90

AAA California

$1,129

$94

Hartford

$1,130

$94

AAA California

$1,144

$95

Mercury

$1,173

$98

Allstate

$1,185

$99

Mercury

$1,199

$100

GEICO

$1,200

$100

Chubb

$1,206

$100

Allstate

$1,251

$104

Progressive

$1,270

$106

State Farm

$1,293

$108

National General

$1,294

$108

Hartford

$1,302

$109

Nationwide

$1,334

$111

Capital Insurance Group

$1,382

$115

Allstate

$1,385

$115

State National

$1,397

$116

Nationwide

$1,449

$121

Capital Insurance Group

$1,465

$122

Kemper

$1,465

$122

Travelers

$1,482

$123

State National

$1,504

$125

AAA California

$1,504

$125

State Farm

$1,512

$126

Travelers

$1,551

$129

Mercury

$1,558

$130

Capital Insurance Group

$1,649

$137

Farmers

$1,685

$140

Hartford

$1,697

$141

Farmers

$1,726

$144

Kemper

$1,804

$150

Travelers

$1,844

$154

State National

$1,849

$154

Nationwide

$1,888

$157

Chubb

$1,960

$163

Chubb

$2,023

$169

Farmers

$2,044

$170

Kemper

$2,185

$182

Chubb

$2,888

$241

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.

Cheapest Full Coverage Car Insurance in Riverside

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.

Company
Annual Premium
Monthly Premium

GEICO

$382

$32

GEICO

$386

$32

State Farm

$421

$35

Progressive

$443

$37

Progressive

$449

$37

GEICO

$456

$38

AAA California

$475

$40

Mercury

$477

$40

Mercury

$491

$41

AAA California

$496

$41

Progressive

$525

$44

Kemper

$543

$45

Travelers

$555

$46

Travelers

$555

$46

State Farm

$555

$46

Nationwide

$585

$49

Hartford

$590

$49

Mercury

$603

$50

AAA California

$605

$50

Nationwide

$607

$51

State National

$614

$51

Kemper

$626

$52

Travelers

$631

$53

State National

$633

$53

State Farm

$635

$53

Farmers

$649

$54

Allstate

$650

$54

Allstate

$657

$55

Farmers

$667

$56

Capital Insurance Group

$668

$56

National General

$671

$56

Hartford

$676

$56

National General

$691

$58

Capital Insurance Group

$693

$58

Allstate

$706

$59

State National

$744

$62

Farmers

$757

$63

Nationwide

$764

$64

Capital Insurance Group

$777

$65

Kemper

$829

$69

National General

$829

$69

Chubb

$837

$70

Chubb

$864

$72

Hartford

$877

$73

GEICO

$1,005

$84

State Farm

$1,009

$84

GEICO

$1,040

$87

Progressive

$1,054

$88

Progressive

$1,058

$88

National General

$1,064

$89

National General

$1,081

$90

AAA California

$1,129

$94

Hartford

$1,130

$94

AAA California

$1,144

$95

Mercury

$1,173

$98

Allstate

$1,185

$99

Mercury

$1,199

$100

GEICO

$1,200

$100

Chubb

$1,206

$100

Allstate

$1,251

$104

Progressive

$1,270

$106

State Farm

$1,293

$108

National General

$1,294

$108

Hartford

$1,302

$109

Nationwide

$1,334

$111

Capital Insurance Group

$1,382

$115

Allstate

$1,385

$115

State National

$1,397

$116

Nationwide

$1,449

$121

Capital Insurance Group

$1,465

$122

Kemper

$1,465

$122

Travelers

$1,482

$123

State National

$1,504

$125

AAA California

$1,504

$125

State Farm

$1,512

$126

Travelers

$1,551

$129

Mercury

$1,558

$130

Capital Insurance Group

$1,649

$137

Farmers

$1,685

$140

Hartford

$1,697

$141

Farmers

$1,726

$144

Kemper

$1,804

$150

Travelers

$1,844

$154

State National

$1,849

$154

Nationwide

$1,888

$157

Chubb

$1,960

$163

Chubb

$2,023

$169

Farmers

$2,044

$170

Kemper

$2,185

$182

Chubb

$2,888

$241

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.

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Cheapest Car Insurance in Riverside After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

GEICO

$583

$49

GEICO

$590

$49

Mercury

$615

$51

Mercury

$631

$53

AAA California

$632

$53

State Farm

$639

$53

AAA California

$661

$55

State Farm

$668

$56

GEICO

$685

$57

GEICO

$692

$58

GEICO

$695

$58

National General

$708

$59

National General

$708

$59

Kemper

$722

$60

National General

$730

$61

National General

$730

$61

Capital Insurance Group

$741

$62

AAA California

$754

$63

Capital Insurance Group

$769

$64

Mercury

$769

$64

Capital Insurance Group

$775

$65

Mercury

$779

$65

AAA California

$790

$66

Mercury

$790

$66

Progressive

$790

$66

Progressive

$802

$67

Capital Insurance Group

$804

$67

AAA California

$808

$67

GEICO

$816

$68

Kemper

$833

$69

State Farm

$845

$70

Hartford

$848

$71

Hartford

$848

$71

Travelers

$855

$71

Travelers

$855

$71

Mercury

$857

$71

Capital Insurance Group

$863

$72

State National

$869

$72

State National

$869

$72

Progressive

$870

$73

National General

$876

$73

National General

$876

$73

Mercury

$880

$73

State Farm

$882

$74

Farmers

$885

$74

Farmers

$885

$74

Progressive

$885

$74

State National

$896

$75

State National

$896

$75

Capital Insurance Group

$903

$75

Nationwide

$905

$75

Allstate

$906

$76

Farmers

$909

$76

Farmers

$909

$76

Allstate

$916

$76

GEICO

$923

$77

GEICO

$934

$78

Nationwide

$940

$78

Progressive

$947

$79

Progressive

$948

$79

Travelers

$952

$79

Travelers

$954

$79

State Farm

$965

$80

Progressive

$966

$81

AAA California

$968

$81

Mercury

$974

$81

Travelers

$982

$82

Hartford

$986

$82

Hartford

$986

$82

Allstate

$990

$83

State Farm

$1,007

$84

Nationwide

$1,007

$84

National General

$1,010

$84

Farmers

$1,033

$86

Farmers

$1,033

$86

National General

$1,042

$87

Allstate

$1,044

$87

Progressive

$1,046

$87

Nationwide

$1,047

$87

Allstate

$1,056

$88

State National

$1,059

$88

State National

$1,059

$88

Chubb

$1,081

$90

Mercury

$1,086

$91

Travelers

$1,096

$91

GEICO

$1,101

$92

Kemper

$1,105

$92

Farmers

$1,105

$92

Chubb

$1,107

$92

National General

$1,118

$93

National General

$1,118

$93

Farmers

$1,136

$95

National General

$1,136

$95

National General

$1,136

$95

Progressive

$1,143

$95

Allstate

$1,144

$95

Travelers

$1,148

$96

Travelers

$1,148

$96

Capital Insurance Group

$1,162

$97

Nationwide

$1,188

$99

Capital Insurance Group

$1,206

$101

Kemper

$1,231

$103

Kemper

$1,231

$103

National General

$1,252

$104

Farmers

$1,291

$108

Hartford

$1,306

$109

Hartford

$1,306

$109

Chubb

$1,316

$110

State Farm

$1,316

$110

Nationwide

$1,325

$110

Travelers

$1,327

$111

Chubb

$1,342

$112

Capital Insurance Group

$1,356

$113

National General

$1,361

$113

National General

$1,361

$113

Chubb

$1,449

$121

AAA California

$1,456

$121

AAA California

$1,475

$123

Kemper

$1,495

$125

Kemper

$1,495

$125

State Farm

$1,497

$125

GEICO

$1,506

$126

Mercury

$1,547

$129

GEICO

$1,558

$130

State Farm

$1,568

$131

State National

$1,573

$131

National General

$1,581

$132

Mercury

$1,583

$132

Capital Insurance Group

$1,583

$132

Nationwide

$1,601

$133

National General

$1,609

$134

State National

$1,623

$135

Capital Insurance Group

$1,624

$135

AAA California

$1,632

$136

Nationwide

$1,665

$139

Hartford

$1,677

$140

Hartford

$1,677

$140

Capital Insurance Group

$1,681

$140

Chubb

$1,684

$140

GEICO

$1,684

$140

Chubb

$1,708

$142

AAA California

$1,711

$143

AAA California

$1,719

$143

Capital Insurance Group

$1,722

$144

Allstate

$1,724

$144

AAA California

$1,727

$144

Chubb

$1,734

$144

GEICO

$1,738

$145

State Farm

$1,740

$145

GEICO

$1,798

$150

Allstate

$1,823

$152

Allstate

$1,875

$156

Kemper

$1,887

$157

Kemper

$1,887

$157

Capital Insurance Group

$1,895

$158

Allstate

$1,899

$158

State Farm

$1,922

$160

National General

$1,928

$161

State National

$1,928

$161

Mercury

$1,934

$161

Capital Insurance Group

$1,943

$162

AAA California

$1,943

$162

Hartford

$1,945

$162

Hartford

$1,945

$162

Kemper

$1,945

$162

Mercury

$1,979

$165

State National

$1,986

$165

State National

$1,986

$165

State Farm

$1,986

$166

Progressive

$1,988

$166

Progressive

$1,993

$166

GEICO

$2,008

$167

State Farm

$2,012

$168

Allstate

$2,028

$169

Hartford

$2,031

$169

Mercury

$2,062

$172

Allstate

$2,062

$172

Nationwide

$2,069

$172

Mercury

$2,074

$173

Chubb

$2,075

$173

AAA California

$2,102

$175

Mercury

$2,113

$176

Nationwide

$2,114

$176

State National

$2,138

$178

State National

$2,138

$178

Allstate

$2,143

$179

Progressive

$2,163

$180

Progressive

$2,164

$180

State Farm

$2,243

$187

Nationwide

$2,248

$187

Travelers

$2,254

$188

Allstate

$2,276

$190

AAA California

$2,279

$190

Nationwide

$2,306

$192

Farmers

$2,328

$194

Farmers

$2,328

$194

State Farm

$2,350

$196

Travelers

$2,353

$196

Farmers

$2,385

$199

Farmers

$2,385

$199

GEICO

$2,392

$199

Hartford

$2,396

$200

Kemper

$2,397

$200

Progressive

$2,407

$201

Progressive

$2,470

$206

Progressive

$2,471

$206

GEICO

$2,473

$206

Capital Insurance Group

$2,476

$206

Nationwide

$2,507

$209

Travelers

$2,511

$209

Allstate

$2,542

$212

Hartford

$2,563

$214

Hartford

$2,563

$214

Chubb

$2,575

$215

Mercury

$2,579

$215

Travelers

$2,617

$218

Progressive

$2,618

$218

Capital Insurance Group

$2,629

$219

State National

$2,632

$219

State National

$2,632

$219

Chubb

$2,637

$220

Mercury

$2,751

$229

Travelers

$2,822

$235

Farmers

$2,826

$236

Farmers

$2,826

$236

GEICO

$2,857

$238

Kemper

$2,906

$242

Farmers

$2,908

$242

Nationwide

$2,938

$245

Capital Insurance Group

$2,967

$247

Farmers

$2,981

$248

Progressive

$2,993

$249

State Farm

$3,096

$258

Travelers

$3,138

$261

Travelers

$3,144

$262

Chubb

$3,166

$264

Kemper

$3,221

$268

Kemper

$3,221

$268

Chubb

$3,229

$269

Hartford

$3,264

$272

Nationwide

$3,283

$274

Travelers

$3,285

$274

AAA California

$3,488

$291

Chubb

$3,502

$292

AAA California

$3,515

$293

Farmers

$3,532

$294

Nationwide

$3,671

$306

State National

$3,704

$309

Allstate

$3,767

$314

Travelers

$3,967

$331

State Farm

$3,977

$331

State National

$3,995

$333

Nationwide

$3,997

$333

Allstate

$3,998

$333

Hartford

$4,054

$338

Kemper

$4,079

$340

Kemper

$4,079

$340

Chubb

$4,096

$341

Chubb

$4,151

$346

Chubb

$4,217

$351

Allstate

$4,464

$372

AAA California

$4,639

$387

State Farm

$4,641

$387

Hartford

$4,750

$396

Kemper

$4,822

$402

Kemper

$4,822

$402

State National

$4,936

$411

Chubb

$5,085

$424

Nationwide

$5,249

$437

Hartford

$6,374

$531

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.

Cheapest Car Insurance in Riverside for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,299

$2,150

GEICO

$1,324

$2,387

GEICO

$1,329

$2,200

GEICO

$1,346

$2,310

GEICO

$1,360

$2,452

GEICO

$1,362

$2,255

GEICO

$1,379

$2,586

GEICO

$1,397

$2,517

GEICO

$1,537

$2,370

GEICO

$1,577

$2,662

Progressive

$1,776

$2,560

Progressive

$1,776

$2,560

Allstate

$1,798

$2,964

Allstate

$1,798

$2,964

Allstate

$1,880

$3,099

Allstate

$1,880

$3,099

Progressive

$1,923

$2,772

Progressive

$1,923

$2,772

Capital Insurance Group

$1,924

$2,366

Capital Insurance Group

$1,924

$2,366

Allstate

$1,927

$3,440

Allstate

$1,927

$3,440

Allstate

$1,944

$3,205

Allstate

$1,944

$3,205

GEICO

$1,972

$3,425

GEICO

$2,034

$3,882

Nationwide

$2,042

$3,877

Nationwide

$2,042

$3,877

Progressive

$2,058

$3,427

Progressive

$2,058

$3,427

Allstate

$2,075

$3,468

Allstate

$2,075

$3,468

Progressive

$2,156

$3,108

Progressive

$2,156

$3,108

GEICO

$2,157

$3,325

Capital Insurance Group

$2,190

$2,800

Capital Insurance Group

$2,190

$2,800

GEICO

$2,225

$3,756

Nationwide

$2,236

$4,246

Nationwide

$2,236

$4,246

State Farm

$2,250

$3,040

State Farm

$2,250

$3,040

Capital Insurance Group

$2,278

$2,800

Capital Insurance Group

$2,278

$2,800

Capital Insurance Group

$2,278

$2,800

Capital Insurance Group

$2,278

$2,800

Nationwide

$2,308

$4,846

Nationwide

$2,308

$4,846

State Farm

$2,339

$3,161

State Farm

$2,339

$3,161

State Farm

$2,380

$3,429

State Farm

$2,380

$3,429

Allstate

$2,385

$4,441

Allstate

$2,385

$4,441

State Farm

$2,393

$3,234

State Farm

$2,393

$3,234

Nationwide

$2,400

$4,556

Nationwide

$2,400

$4,556

Allstate

$2,423

$4,050

Allstate

$2,423

$4,050

Travelers

$2,425

$3,058

Travelers

$2,425

$3,058

Farmers

$2,463

$3,099

Farmers

$2,463

$3,099

Travelers

$2,511

$3,167

Travelers

$2,511

$3,167

State Farm

$2,550

$3,498

State Farm

$2,550

$3,498

Capital Insurance Group

$2,551

$3,151

Capital Insurance Group

$2,551

$3,151

Progressive

$2,555

$3,755

Progressive

$2,555

$3,755

Travelers

$2,565

$3,411

Travelers

$2,565

$3,411

Kemper

$2,614

$3,844

Kemper

$2,614

$3,844

Travelers

$2,621

$3,306

Travelers

$2,621

$3,306

Capital Insurance Group

$2,644

$3,151

Capital Insurance Group

$2,644

$3,151

Nationwide

$2,688

$5,291

Nationwide

$2,688

$5,291

State Farm

$2,704

$3,890

State Farm

$2,704

$3,890

GEICO

$2,717

$4,948

State Farm

$2,726

$3,740

State Farm

$2,726

$3,740

Kemper

$2,761

$4,059

Kemper

$2,761

$4,059

Farmers

$2,763

$3,603

Farmers

$2,763

$3,603

GEICO

$2,825

$5,648

Capital Insurance Group

$2,831

$3,497

Capital Insurance Group

$2,831

$3,497

Farmers

$2,863

$3,603

Farmers

$2,863

$3,603

Farmers

$2,863

$3,603

Farmers

$2,863

$3,603

Travelers

$2,868

$3,583

Travelers

$2,868

$3,583

Kemper

$2,903

$4,763

Kemper

$2,903

$4,763

GEICO

$2,906

$5,500

GEICO

$2,980

$5,426

Kemper

$2,999

$4,410

Kemper

$2,999

$4,410

State Farm

$3,006

$4,931

State Farm

$3,006

$4,931

GEICO

$3,036

$6,348

Farmers

$3,096

$4,138

Farmers

$3,096

$4,138

GEICO

$3,109

$6,217

Travelers

$3,119

$4,147

Travelers

$3,119

$4,147

Travelers

$3,168

$3,958

Travelers

$3,168

$3,958

State Farm

$3,186

$5,225

State Farm

$3,186

$5,225

Allstate

$3,192

$6,405

Allstate

$3,192

$6,405

Progressive

$3,196

$5,343

Progressive

$3,196

$5,343

State Farm

$3,255

$5,859

State Farm

$3,255

$5,859

Allstate

$3,307

$6,753

Allstate

$3,307

$6,753

Nationwide

$3,314

$7,322

Nationwide

$3,314

$7,322

Farmers

$3,347

$4,767

Farmers

$3,347

$4,767

Kemper

$3,355

$5,043

Kemper

$3,355

$5,043

Allstate

$3,365

$6,753

Allstate

$3,365

$6,753

Farmers

$3,379

$4,517

Farmers

$3,379

$4,517

Progressive

$3,399

$4,994

Progressive

$3,399

$4,994

Farmers

$3,523

$6,143

Farmers

$3,523

$6,143

Nationwide

$3,535

$6,958

Nationwide

$3,535

$6,958

Farmers

$3,609

$6,425

Farmers

$3,609

$6,425

Farmers

$3,620

$6,313

Farmers

$3,620

$6,313

Kemper

$3,624

$5,448

Kemper

$3,624

$5,448

Capital Insurance Group

$3,631

$4,325

Capital Insurance Group

$3,631

$4,325

Capital Insurance Group

$3,631

$4,325

Capital Insurance Group

$3,631

$4,325

Capital Insurance Group

$3,631

$4,325

Capital Insurance Group

$3,631

$4,325

Kemper

$3,656

$5,997

Kemper

$3,656

$5,997

Progressive

$3,686

$6,787

Progressive

$3,686

$6,787

Progressive

$3,708

$6,841

Progressive

$3,708

$6,841

Progressive

$3,722

$6,851

Progressive

$3,722

$6,851

Travelers

$4,177

$5,240

Travelers

$4,177

$5,240

Travelers

$4,367

$5,477

Travelers

$4,367

$5,477

Travelers

$4,377

$5,753

Travelers

$4,377

$5,753

Nationwide

$5,061

$9,937

Nationwide

$5,061

$9,937

Kemper

$5,529

$8,192

Kemper

$5,529

$8,192

Nationwide

$5,693

$11,177

Nationwide

$5,693

$11,177

Nationwide

$5,874

$13,486

Nationwide

$5,874

$13,486

Kemper

$6,072

$8,997

Kemper

$6,072

$8,997

Kemper

$6,128

$10,049

Kemper

$6,128

$10,049

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.

Cheapest Car Insurance in Riverside for Military Drivers

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.

Company
Annual Premium
Monthly Premium

GEICO

$382

$32

GEICO

$386

$32

USAA

$403

$34

USAA

$403

$34

State Farm

$421

$35

Progressive

$443

$37

Progressive

$449

$37

GEICO

$456

$38

AAA California

$475

$40

Mercury

$477

$40

USAA

$485

$40

Mercury

$491

$41

AAA California

$496

$41

Progressive

$525

$44

Kemper

$543

$45

Travelers

$555

$46

Travelers

$555

$46

State Farm

$555

$46

Nationwide

$585

$49

Hartford

$590

$49

Mercury

$603

$50

AAA California

$605

$50

Nationwide

$607

$51

State National

$614

$51

Kemper

$626

$52

Travelers

$631

$53

State National

$633

$53

State Farm

$635

$53

Farmers

$649

$54

Allstate

$650

$54

Allstate

$657

$55

Farmers

$667

$56

Capital Insurance Group

$668

$56

National General

$671

$56

Hartford

$676

$56

National General

$691

$58

Capital Insurance Group

$693

$58

Allstate

$706

$59

State National

$744

$62

Farmers

$757

$63

Nationwide

$764

$64

Capital Insurance Group

$777

$65

Kemper

$829

$69

National General

$829

$69

Chubb

$837

$70

Chubb

$864

$72

Hartford

$877

$73

USAA

$906

$76

USAA

$927

$77

GEICO

$1,005

$84

State Farm

$1,009

$84

GEICO

$1,040

$87

Progressive

$1,054

$88

Progressive

$1,058

$88

National General

$1,064

$89

National General

$1,081

$90

USAA

$1,108

$92

AAA California

$1,129

$94

Hartford

$1,130

$94

AAA California

$1,144

$95

Mercury

$1,173

$98

Allstate

$1,185

$99

Mercury

$1,199

$100

GEICO

$1,200

$100

Chubb

$1,206

$100

Allstate

$1,251

$104

Progressive

$1,270

$106

State Farm

$1,293

$108

National General

$1,294

$108

Hartford

$1,302

$109

Nationwide

$1,334

$111

Capital Insurance Group

$1,382

$115

Allstate

$1,385

$115

State National

$1,397

$116

Nationwide

$1,449

$121

Capital Insurance Group

$1,465

$122

Kemper

$1,465

$122

Travelers

$1,482

$123

State National

$1,504

$125

AAA California

$1,504

$125

State Farm

$1,512

$126

Travelers

$1,551

$129

Mercury

$1,558

$130

Capital Insurance Group

$1,649

$137

Farmers

$1,685

$140

Hartford

$1,697

$141

Farmers

$1,726

$144

Kemper

$1,804

$150

Travelers

$1,844

$154

State National

$1,849

$154

Nationwide

$1,888

$157

Chubb

$1,960

$163

Chubb

$2,023

$169

Farmers

$2,044

$170

Kemper

$2,185

$182

Chubb

$2,888

$241

How to Compare Cheap Riverside Car Insurance Quotes Online

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.

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Best Car Insurance in Riverside: Summary

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.

Best Overall Car Insurance in Riverside

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.

How was this MoneyGeek score calculated?

GEICO

pros

Cheapest premiums at $1,040 per year

Fourth in service quality

Provides mechanical breakdown insurance

cons

Claims management rating is below average

Offers a limited selection of optional coverages

COMPANY HIGHLIGHTS

Compared to 15 providers in our study, GEICO was the clear winner because it delivered stellar service at a reasonable cost. Although its available add-ons are few, GEICO has a handful of coverages that benefit most drivers.

GEICO offers mechanical breakdown insurance (MBI), a unique coverage many competitors don't offer. MBI provides coverage for all the parts and systems of your vehicle. Drivers can qualify if they own a new or leased car less than 15 months old or with mileage below 15,000. MBI is typically cheaper and provides better protection than the usual dealer extended warranty.

GEICO also provides accident forgiveness, which prevents a driver’s premiums from skyrocketing after their first at-fault accident. This can potentially save policyholders hundreds of dollars in the long run. Drivers are eligible for this add-on if they are 21 or have been accident-free for five years or more.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Riverside for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

Offers original equipment manufacturer coverage, a rare add-on

Has a stellar reputation in claims management

Earned the second-highest customer service score

cons

Has few supplementary coverages

Roadside assistance isn’t available

COMPANY HIGHLIGHTS

Chubb outperformed its competitors because it delivered excellent claims processing paired with high-quality customer service. These two factors are essential if you value a great customer experience. Chubb also provides unique and common coverages available to almost all drivers.

Original equipment manufacturer coverage (OEM) is a must-have for drivers who prefer original parts to repair their vehicles. This coverage guarantees manufacturer parts are used so that your car’s safety systems continue to work properly.

Chubb's agreed value coverage can save you thousands of dollars if your car is deemed a total loss. To get this coverage, Chubb and the policyholder must agree on your car's value upon signing the insurance policy. In addition, the company's rental car reimbursement pays to rent a vehicle if yours isn’t driveable.

Best Cheap Car Insurance in Riverside

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.

How was this MoneyGeek score calculated?

GEICO

pros

Charges the least expensive premiums at $386 per year

Earned fourth place in customer satisfaction

Provides discounts if you bundle policies or install airbags

cons

Below-average claims management score

Doesn’t offer a discount when you fully pay bills or pay online

COMPANY HIGHLIGHTS

With policies that cost roughly $32 per month, GEICO offers exceptional customer service. GEICO also provides multiple ways for policyholders to save on premiums.

Completing a defensive driving course or driver’s education course can earn drivers discounts. With GEICO, policyholders can secure lower rates when they insure more than one car, bundle their auto and home insurance or maintain a clean driving record for five years.

Another way to get discounts is by installing safety features like airbags, anti-lock brakes and an anti-theft system. GEICO also has rare discounts that many competitors don’t offer, such as for having daytime running lights or always wearing your seatbelt.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Riverside

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.