Cheapest and Best Car Insurance in Riverside, CA (2024)


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Finding the cheapest or best auto insurance in Riverside depends on aspects like coverage and driver details. For full coverage, Progressive takes the lead, whereas for those with teen drivers, GEICO is your most budget-friendly choice. GEICO is the cheapest for minimum coverage. When quality service is your priority, Chubb tops the chart for customer satisfaction. Capital Insurance Group, is ranked best for overall value, which combines cost and service. Ultimately, the optimal choice depends on your personal preferences and needs.

MoneyGeek Logo IconBest & CheapestCar InsuranceRiverside
2024

Cheapest and Best Car Insurance in Riverside

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Riverside, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Riverside insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Riverside, CA, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Riverside

MoneyGeek found that GEICO is the cheapest option in Riverside for car insurance. Here are the two most affordable providers:

  • GEICO: $440 per year
  • Progressive: $447 per year

Conversely, Chubb has the most expensive minimum coverage policy, with an annual premium of $837. This stark contrast in pricing, with a difference of $397 between the lowest and highest, underscores the significance of comparing car insurance options to secure the best rate.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICO$440$37
Progressive$447$37
Mercury$495$41
Kemper$543$45
AAA$563$47
Farmers$614$51
Capital Insurance Group$630$53
State National$633$53
State Farm$642$53
National General$653$54
Hartford$656$55
Allstate$697$58
Travelers$705$59
Nationwide$716$60
Chubb$837$70

In California, state law sets the minimum car insurance requirements. Here's a snapshot of the mandated coverage:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $5,000 for property damage liability per accident

Let's say you have the minimum coverage and are involved in an accident where the bodily injury to one person is $20,000. Your policy would cover the first $15,000, and you'd be responsible for the remaining $5,000 out-of-pocket.

Cheapest Full Coverage Car Insurance in Riverside

MoneyGeek found that Progressive offers the most wallet-friendly option for cheapest full coverage car insurance in Riverside.

  • Progressive: $1,099 per year
  • GEICO: $1,190 per year

Farmers has the most expensive full coverage policy in Riverside, with an annual premium of $2,211, which is $1,112 more than Progressive. Full coverage policies are pricier than minimum coverage because they offer a broader level of protection for your vehicle, covering events beyond just third-party liability.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Progressive$1,099$92
GEICO$1,190$99
National General$1,256$105
AAA$1,277$106
Mercury$1,293$108
Allstate$1,344$112
Kemper$1,465$122
Capital Insurance Group$1,487$124
Hartford$1,503$125
State National$1,504$125
State Farm$1,627$136
Nationwide$1,762$147
Chubb$1,960$163
Travelers$2,043$170
Farmers$2,211$184

Riverside full coverage provides $100,000 for individual bodily injury, $300,000 per accident for bodily injury and $100,000 in property damage liability. This enhanced protection level is succinctly referred to as a 100/300/100 policy.

This full coverage option incorporates additional layers beyond liability with the inclusion of both comprehensive and collision insurances:

  • Collision Insurance: This component is essential as it reimburses you for repairs to your car in the event it collides with another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage. .

  • Comprehensive Insurance: Unlike collision insurance, comprehensive coverage steps in to cover costs for damages to your car that are not collision-related, such as theft or natural disasters and being struck by an animal like a deer.

For those with a new vehicle, investing in full coverage insurance is a good move. With older vehicles, the decision to opt for advanced coverage, with its accompanying higher cost, may not be as straightforward. When it comes to choosing how much car insurance you need, take into account both coverage and cost.

Cheapest Car Insurance in Riverside After a Driving Offense

MoneyGeek found that National General is the most affordable option in Riverside for drivers with a poor driving history. Here are the cheapest providers for each specific incident:

  • Speeding Ticket: National General ($1,318 per year)
  • At-fault Accident: Capital Insurance Group ($1,752 per year)
  • DUI: National General ($1,318 per year)

Drivers with a DUI pay the same cheapest rate as those with a speeding ticket through National General, but certain companies may have higher premiums for more serious offenses.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National General$1,318$110
AAA$1,653$138
Mercury$1,707$142
Capital Insurance Group$1,714$143
GEICO$1,767$147
Kemper$1,945$162
Allstate$1,957$163
Progressive$2,073$173
State National$2,138$178
Hartford$2,248$187
State Farm$2,413$201
Chubb$2,575$215
Nationwide$3,050$254
Farmers$3,064$255
Travelers$3,100$258

Insurance rates in cities like Riverside are often higher for drivers with infractions due to the increased risk they pose to insurers. For example, a Riverside driver with a speeding ticket could see an annual rate average of $2,181, while one with a DUI offense averages a significant increase to $3,640 annually.

Cheapest Car Insurance in Riverside for Teens and Their Families

MoneyGeek found that GEICO is the cheapest option in Riverside for families seeking the cheapest car insurance for teens. Here are the two most affordable providers:

  • GEICO: $2,906 per year for female teens and $3,036 per year for male teens
  • State Farm: $,3255 per year for female teens and $3,255 per year for male teens

These rates offer a comprehensive coverage package for a family with two parents and a teen driver. Among the evaluated companies, Kemper is the most expensive option in Riverside for insuring a teen driver, with an annual premium of $6,128 for female teens.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICO$2,906$3,382
State Farm$3,255$3,320
Allstate$3,307$3,615
Farmers$3,609$4,687
Capital Insurance Group$3,631$3,388
Progressive$3,708$3,693
Travelers$4,377$3,665
Nationwide$5,874$7,613
Kemper$6,128$5,978

In Riverside and similar cities, teen drivers often face steep car insurance premiums. An average individual annual premium for teens amounts to $4,429, considerably higher than the $4,103 average when added to a joint family plan. Insurers impose higher rates on individual policies for teens due to the elevated risk they pose.

Cheapest Car Insurance in Riverside for Military Drivers

MoneyGeek found that Progressive is the cheapest option for full coverage car insurance, specifically for those with military backgrounds in Riverside. When searching for the cheapest car insurance for military backgrounds, consider the following providers:

  • Progressive: $1,099 per year
  • GEICO: $1,190 per year

Although USAA is ranked third at $1,254 per year, which is slightly higher than the first two, it stands out by offering services that are specifically tailored to the needs of active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Progressive$1,099$92
GEICO$1,190$99
USAA$1,254$104
National General$1,256$105
AAA$1,277$106
Mercury$1,293$108
Allstate$1,344$112
Kemper$1,465$122
Capital Insurance Group$1,487$124
Hartford$1,503$125
State National$1,504$125
State Farm$1,627$136
Nationwide$1,762$147
Chubb$1,960$163
Travelers$2,043$170
Farmers$2,211$184

How to Compare Cheap Riverside Car Insurance Quotes Online

If you are in Riverside, you can use MoneyGeek's car insurance calculator to determine insurance premiums in the area. By simply inputting one's age, driving history, credit score, desired coverage level and several other details, you can receive an estimated rate.

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Rates updated:

Dec 06, 2024

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Best Car Insurance in Riverside: Overview

Finding the right auto insurance depends on your priorities and how you weigh factors like service quality, cost, coverage and other variables. MoneyGeek's research into Riverside's top car insurance providers reveals:

  • Best overall: Capital Insurance Group(Score 82 out of 100)
  • Best for service: Chubb (Score 94 out of 100)
  • Best cheap: Mercury (Score 78 out of 100)

Capital Insurance Group leads with a balance of service and affordability, making them the best overall. Chubb excels in customer service, while Mercury provides a budget-friendly option without compromising too much on service.

Best Overall Car Insurance in Riverside

MoneyGeek found that Capital Insurance Group is the best option in Riverside for drivers seeking top-tier car insurance. According to the comprehensive guide, the providers with the highest MoneyGeek scores in Riverside are:

  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,487 per year)
  • Chubb: MoneyGeek score of 81 out of 100 ($1,960 per year)

Capital Insurance Group excels with a balance of customer satisfaction and affordability, contributing to its high total score.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
82/ of 100

Overview

Capital Insurance Group’s high MoneyGeek score is influenced by its top-rated customer satisfaction and solid claims process. It also offers custom parts coverage and full glass coverage. Capital Insurance Group offers cover for a range of customers. Capital Insurance Group includes both common coverages: roadside assistance and rental car and/or travel reimbursement.

Best Car Insurance in Riverside for Customer Service

Chubb is the best option in Riverside for exemplary car insurance customer service. Their evaluation highlights a commitment to general satisfaction, proficient claims handling and comprehensive coverages.

  • Chubb: MoneyGeek score of 94 out of 100 ($1,960 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,487 per year)

Chubb stands out not only for their near-perfect claims score but also for their high coverage options which contribute significantly to their overall MoneyGeek score.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb's coverage options are tailored to meet diverse needs. It offers OEM coverage and common rental car/travel reimbursement. It also offers diminished value coverage, which is beneficial in preserving the resale value of your car following an accident. Chubb excels in satisfaction and claims handling.

Best Cheap Car Insurance Companies in Riverside

MoneyGeek found that Mercury is the best option for cheap car insurance in Riverside. The scoring acknowledges that while affordability is heavily weighted, customer satisfaction also counts.

  • Mercury: MoneyGeek score of 78 out of 100 ($495 per year)
  • Capital Insurance Group: MoneyGeek score of 76 out of 100 ($630 per year)

Mercury stands out in Riverside not only for its affordability but also for its well-rounded service offerings.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
78/ of 100

Overview

Mercury shines in the affordability and satisfaction categories, leading to its robust MoneyGeek score. The average driver enjoys an annual premium of just under $495 for minimum coverage, highlighting significant savings. Among its reasonably rare discounts, Mercury offers an automatic payment option, ensuring timely and hassle-free premium payments. Mercury's breadth of discount include multiple car and bundling, among others.

Average Cost of Car Insurance in Riverside

The average cost of car insurance in Riverside, California, is $1,543, moderately lower than the state's average. California's average car insurance cost is $1,562, which itself lies below the national average of $1,781. In the broader picture, the state's average shows a substantial saving of $219 when compared to national car insurance costs.

Location plays a crucial role in determining car insurance premiums, and while other factors, such as an individual's driving history and vehicle model, are significant, the impact of geographical variables is substantial. Higher population density, traffic patterns and local crime rates are among the key location-based factors that affect insurance rates.

Anaheim$1,632
Antioch$1,573
Arden$1,592
Bakersfield$1,394
Berkeley$1,489
Burbank$1,968
Carlsbad$1,364
Chula Vista$1,331
Clovis$1,395
Concord$1,473
Corona$1,525
Costa Mesa$1,501
Daly City$1,712
Downey$1,749
East Los Angeles$1,800
El Cajon$1,438
El Monte$1,784
Elk Grove$1,535
Escondido$1,382
Fairfield$1,392
Fontana$1,565
Fremont$1,446
Fresno$1,442
Fullerton$1,661
Garden Grove$1,679
Glendale$2,433
Hayward$1,549
Huntington Beach$1,523
Inglewood$1,963
Irvine$1,585
Jurupa Valley$1,507
Lancaster$1,670
Long Beach$1,685
Los Angeles$2,138
Modesto$1,577
Moreno Valley$1,546
Murrieta$1,415
Norwalk$1,661
Oakland$1,657
Oceanside$1,396
Ontario$1,565
Orange$1,462
Oxnard$1,436
Palmdale$1,722
Pasadena$1,798
Pomona$1,630
Rancho Cucamonga$1,503
Rialto$1,577
Richmond$1,562
Riverside$1,543
Roseville$1,458
Sacramento$1,494
Salinas$1,346
San Bernardino$1,567
San Diego$1,349
San Francisco$1,670
San Jose$1,429
San Mateo$1,385
Santa Ana$1,577
Santa Clara$1,420
Santa Clarita$1,634
Santa Maria$1,251
Santa Rosa$1,479
Simi Valley$1,528
Stockton$1,594
Sunnyvale$1,413
Temecula$1,432
Thousand Oaks$1,589
Torrance$1,518
Vallejo$1,547
Ventura$1,341
Victorville$1,598
Visalia$1,333
Vista$1,355
West Covina$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

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