Determining which company offers the lowest-priced car insurance rates for seniors takes a tad more effort in order to find the lowest price quote. Each insurer has a proprietary method to set premium rates, so we will examine the most budget-friendly car insurance companies in Riverside.
Keep in mind that Riverside car insurance rates are determined by lots of factors which can significantly increase or decrease the price of coverage. Improving your credit score, buying a new vehicle, or getting a DUI can trigger price changes that may make certain companies much cheaper than others.
Cheapest Insurance Rates for Mature Drivers
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,186 |
| 4 | Nationwide | $1,213 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,491 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,542 |
| 10 | Allstate | $1,543 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,591 |
| 15 | State Farm | $1,733 |
| 16 | Unitrin | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,966 |
| Get a Custom Quote Go | ||
USAA has some of the lowest car insurance rates in Riverside at around $1,109 annually. Wawanesa, CSAA, Nationwide, and Century National would also be considered some of the lowest-priced Riverside, CA insurance companies.
In this example, if you currently have coverage with Wawanesa and switched to USAA, you may see savings of about $48. Drivers with CSAA could save as much as $77 a year, and Nationwide customers might reduce rates by $104 a year.
To get a quick, customized rate comparison, click here to start your custom quote or visit several of the following companies.
These rates are averaged for all types of insureds and vehicles and do not factor in a specific vehicle garaging location for seniors. So the company that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own driver data and vehicle information.
One of the many things that are looked at to help calculate auto insurance rates is your zip code in Riverside. Areas with a lot of weather claims or more people likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The information below lists the highest-priced areas in California for seniors to buy car insurance in. Riverside ranks #15 with a yearly cost of $1,482 for the average insurance policy, which is approximately $124 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | Fontana | $1,581 |
| 7 | San Bernardino | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Stockton | $1,556 |
| 10 | Moreno Valley | $1,551 |
| 11 | Santa Clarita | $1,548 |
| 12 | Modesto | $1,547 |
| 13 | Garden Grove | $1,524 |
| 14 | Santa Ana | $1,497 |
| 15 | Riverside | $1,482 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,472 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,402 |
| 20 | Irvine | $1,384 |
| Find the Best Rates Go | ||
Rates are approximated as the specific geographic location can alter prices noticeably.
Riverside car insurance companies ranked
Selecting the highest-rated insurer can be difficult considering how many companies there are to choose from in California. The information shown next may help you select which auto insurance companies you want to consider comparing rate quotes with.
The ratings below only include large, nationwide insurance companies, so companies that only write business in California or surrounding areas will not be included in this list. To compare rates from these top-rated insurers and more, click here.
Top 10 Large Car Insurance Companies in Riverside Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
How to get discounts on Riverside auto insurance rates
Car insurance companies that sell policies for seniors may additionally offer premium discounts that could lower prices by 40% or more if you meet the requirements. A few popular companies and a selection of discounts include:
- GEICO may have discounts that include seat belt use, air bags, driver training, five-year accident-free, emergency military deployment, and daytime running lights.
- Auto-Owners Insurance offers discounts including student away at school, company car, anti-lock brakes, good student, safe driver, safe vehicle, and anti-theft.
- American Family offers premium reductions for bundled insurance, mySafetyValet, TimeAway discount, multi-vehicle, and early bird.
- Esurance has savings for multi-car, claim free, renters, defensive driver, Pac-12 alumni, DriveSense, and online quote.
- Progressive includes discounts for multi-vehicle, multi-policy, online quote discount, continuous coverage, and homeowner.
- State Farm may include discounts for student away at school, multiple autos, Drive Safe & Save, passive restraint, safe vehicle, driver’s education, and defensive driving training.
- AAA has discounts for AAA membership discount, multi-car, multi-policy, pay-in-full, anti-theft, and good driver.
The chart below visualizes the comparison of yearly insurance costs with and without discounts applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with marriage, defensive driving course, homeowner, vehicle safety, accident-free, and safe-driver discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for seniors is 30% or $563.
If you would rather have the advice of a professional agent when trying to find the best insurance rates for seniors, the professional agents shown below are willing to answer your questions and help you decide which policy fits your needs best. To find a Riverside insurance agent near you, click the button after the list.
Joseph Insurance Services
3694 Sunnyside Dr – Riverside, CA 92506 – (951) 683-0777
Josh Terraneau – State Farm Insurance Agent
5053 La Mart Dr #103 – Riverside, CA 92507 – (951) 784-4353
Nationwide Insurance: EG Insurance Agency Inc
11728 Magnolia Ave Suite B – Riverside, CA 92503 – (951) 202-1871
Farmers Insurance Eric Wilkins Agency
7177 Brockton Ave #109 – Riverside, CA 92506 – (951) 680-9213
Steve McDonald – State Farm Insurance Agent
2900 Adams St, Ste C10-J – Riverside, CA 92504 – (951) 785-6140
More Riverside, CA insurance agents
How to find more affordable insurance for seniors
The list below summarizes some money-saving solutions that can help drivers get cheaper coverage.
- Maintain a clean driving record
- Good credit can help you save money
- Increase deductibles to save money
- Do not file small claims
- Being accident-free can lower rates significantly
- Bundle home and auto and earn a discount
- Compare prices as often as possible
The final tip is very important, as we emphasized in the prior article. Auto insurance rates can change significantly in a year, so you should be ready to buy from a new company if a cheaper price is available.
We understand brand loyalty, but it isn’t a good idea if that loyalty results in overpaying big bucks every year. Spend a few minutes and compare rates to find cheaper auto insurance for seniors in Riverside.