Who Has Affordable Auto Insurance for Safe Drivers in Riverside?

The words “bargain” and “auto insurance” really shouldn’t be used together, especially when shopping around for the best car insurance for safe drivers. Let’s introduce you to a few of the things that have an impact on auto insurance prices, and figure out some ideas to take the sting out of the next policy you buy.

For good drivers, one of the big things that are used to help calculate the price you pay for insurance is where you live. Larger areas tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.

The next table lists the highest-priced areas in California for safe drivers in which to purchase auto insurance. Riverside makes the list at #14 costing $1,527 for the average policyholder, which is approximately $127 per month.

How much does auto insurance cost in Riverside?
Rank City Annual Rate
1 Los Angeles $2,146
2 Glendale $2,142
3 Oakland $1,738
4 San Francisco $1,693
5 Sacramento $1,669
6 Long Beach $1,610
7 Santa Clarita $1,580
8 San Bernardino $1,580
9 Stockton $1,556
10 Garden Grove $1,554
11 Moreno Valley $1,551
12 Fontana $1,535
13 Modesto $1,532
14 Riverside $1,527
15 Anaheim $1,488
16 Santa Ana $1,483
17 Fresno $1,457
18 Fremont $1,403
19 San Jose $1,395
20 Huntington Beach $1,374
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Premium amounts are approximated as the vehicle garaging location can revise insurance rates substantially.

The vehicle driven is one of the largest considerations when looking for affordable auto insurance for safe drivers. Vehicles with lots of speed or power, a lack of advanced safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer, lower-performance models.

The next list features insurance prices for a number of the cheapest vehicles to buy coverage for.

Cheapest Vehicles to Insure in Riverside, CA
Vehicle Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,112
Ford Escape XLT 2WD $1,216
Honda CR-V EX-L 4WD $1,245
Ford Explorer XLT AWD $1,253
Ford Edge SE AWD $1,288
Toyota Prius $1,352
Hyundai Elantra Blue 4-Dr Sedan $1,359
Honda Odyssey EX-L W/Rear Entertainment $1,385
Chevrolet Impala LTZ $1,395
Dodge Grand Caravan SE $1,414
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,428
GMC Sierra 3500HD SLE Crew Cab 2WD $1,433
Toyota RAV4 2WD $1,440
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in your specific Riverside, CA location which can affect prices significantly.

Based on these rates, we can expect makes and models like the Honda Accord, Ford Escape, and Honda CR-V are some of the most economical vehicles to insure for good drivers.

Rate comparison of full coverage and liability-only

Buying cheaper auto insurance should be important to the majority of vehicle owners, and one of the fastest ways to reduce the cost of insurance for safe drivers is to not buy full coverage. The diagram below illustrates the comparison of car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, full coverage on your policy costs $2,075 per year more than just buying liability insurance. At some point, every insured wonders if it’s worth it to buy full coverage. There isn’t a steadfast formula of when to drop physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s say your vehicle’s claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would receive is $2,000 after the policy deductible has been paid. If premium cost is more than $200 annually to have full coverage, then you might consider buying liability only.

Riverside auto insurance companies

Insuring your vehicle with a high-quality company can be rather challenging considering how many companies are available to choose from in Riverside. The company ratings in the next section may help you select which car insurance companies to look at when comparing rate quotes. These rankings are only comprised of the companies with a significant amount of written premium nationwide, so companies that only write business in California or surrounding areas are not taken into consideration for this list.

Top 15 Auto Insurance Companies for Safe Drivers in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Insure.com Best Car Insurance Companies

Tips to find cheaper auto insurance for safe drivers

The list below shows a few thrifty ideas that can help you quote more affordable coverage.

That last tip is certainly valuable, as we noted in the article above. Coverage rates in Riverside adjust frequently, so don’t be tentative to buy a policy from a new company if a lower price can be found. Staying with the same company for years is fine, but we do not recommend it if that faithfulness ends up costing you a considerable chunk of change every month. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for safe drivers.

The agents shown below are willing to help you make a decision which is the best policy, since some people prefer to get some guidance when comparing insurance rates for safe drivers. It can be complicated to find the best policy on your own, so getting advice from a licensed California insurance agent can give you peace of mind knowing you have suitable coverage if you ever need to use it. To locate an agency in your neighborhood, click the link at the bottom or click here to compare prices now.

Find a Riverside, CA insurance agent near you