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.
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.
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.
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.
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.
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.
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.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
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?
Cheapest premiums at $1,040 per year
Fourth in service quality
Provides mechanical breakdown insurance
Claims management rating is below average
Offers a limited selection of optional coverages
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.
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?
Offers original equipment manufacturer coverage, a rare add-on
Has a stellar reputation in claims management
Earned the second-highest customer service score
Has few supplementary coverages
Roadside assistance isn’t available
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?
Charges the least expensive premiums at $386 per year
Earned fourth place in customer satisfaction
Provides discounts if you bundle policies or install airbags
Below-average claims management score
Doesn’t offer a discount when you fully pay bills or pay online
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.
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