Who Has Affordable Car Insurance Quotes for Nurses in Riverside?

One of the many considerations that determine the amount you pay for auto insurance is your zip code in Riverside. Cities with more crime and/or more people tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The illustration below rates the most expensive cities in California for nurses to buy auto insurance in. Riverside shows up at #12 costing $1,527 for the average insurance policy, which is about $127 monthly.

How much does auto insurance cost in Riverside?
Rank City Annual Rate
1 Los Angeles $2,146
2 Glendale $2,079
3 San Francisco $1,763
4 Oakland $1,755
5 Sacramento $1,669
6 San Bernardino $1,628
7 Long Beach $1,626
8 Fontana $1,581
9 Stockton $1,556
10 Santa Clarita $1,533
11 Modesto $1,532
12 Riverside $1,527
13 Garden Grove $1,508
14 Moreno Valley $1,506
15 Fresno $1,472
16 Anaheim $1,444
17 Santa Ana $1,439
18 San Jose $1,423
19 Huntington Beach $1,416
20 Fremont $1,403
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Table data uses approximated as zip code location can alter coverage rates noticeably.

Deciding which companies offer the most affordable auto insurance rates for nurses will require a tad more effort in order to find the best policy.

Every insurance provider uses a little different formula for establishing rates, so to begin we’ll rank the auto insurance companies that tend to be cheaper in Riverside.

Best Cheap Insurance Rates for Health Occupations

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What’s the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,157
3 Century National $1,178
4 CSAA $1,186
5 Nationwide $1,250
6 21st Century $1,366
7 Grange $1,447
8 Progressive $1,496
9 GEICO $1,529
10 Mercury $1,533
11 Allstate $1,543
12 The Hartford $1,575
13 Allied $1,588
14 MetLife $1,606
15 Unitrin $1,682
16 State Farm $1,699
17 Esurance $1,739
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $2,006
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USAA has some of the cheapest car insurance rates in Riverside at around $1,109 a year. This is $542 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the most economical Riverside, CA auto insurance companies.

As depicted above, if you are currently insured with Century National and switched to USAA, you might achieve annual savings of in the neighborhood of $69. Customers with CSAA might save as much as $77 a year, and Nationwide insureds might lower prices by up to $141 a year.

To discover how much you can save, click here to get a free quote or quote rates from the companies below.

Remember that these policy prices are averages across all types of insureds and vehicles and are not factoring in a specific location for nurses. So the insurer that fits you best may not even be in the top 24 companies in the list above. That is why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Riverside auto insurance companies

Insuring your vehicle with the highest-rated car insurance provider can be difficult considering how many different companies there are to choose from in Riverside. The ranking data displayed below can help you pick which auto insurance companies to look at when shopping car insurance rates for nurses. The ratings below are only comprised of large, nationwide insurance companies, so companies that only write business in California or surrounding areas are not factored into this list.

Top Ten Auto Insurance Companies for Nurses 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
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Data Source: Insure.com Best Car Insurance Companies

Types of discounts on Riverside auto insurance rates

Cheaper Riverside, CA auto insurance for health professionalsAuto insurance companies that offer quotes for nurses could also offer discounts that can lower rates by as much as 35% or more if you are eligible. A list of companies and their offered discounts are detailed below.

The diagram below illustrates the difference between insurance premiums with and without discounts applied. The premiums assume a female driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, passive restraint, claim-free, accident-free, multiple policy, and defensive driving course discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on auto insurance for nurses is 28% or $661.

The chart below shows how different deductible levels can influence yearly insurance costs when trying to find cheap insurance for nurses. The premiums assume a married female driver, comp and collision included, and no additional discounts are factored in.

The data above shows that a 50-year-old driver could lower their policy premium by $420 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $634 by selecting a $1,000 deductible. Younger drivers, like the age 20 example, could roll back prices $1,042 or even more just by choosing higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it is essential to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Why you should be shopping around

Riverside auto insurance rates are impacted by many things which can substantially change the price you pay. Improving your credit rating, moving to a different location, or getting into an accident may prompt premium changes resulting in some companies being more affordable than competitors.

In addition, insurance companies change their prices as needed in order to offset underwriting gains or losses. A period of higher than normal claims can result in more expensive prices, while a better loss history can result in cheaper Riverside car insurance rates.

For example, the bar chart below shows the cheapest car insurance in Riverside, CA for a 40-year-old male driver with no violations or accidents, and excellent credit. Based on his current risk factors, USAA may offer the best car insurance rates in Riverside at $1,267 a year. This is $384 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide round out the rest of the top five cheapest Riverside, CA auto insurance companies.

Now let’s give the driver from the first rate comparison a claim, a lower credit rating, and a couple of points charged on his driving record. Because every insurance company has their own process for setting rates, analyzing rates may result in a new list of affordable Riverside car insurance companies as shown below.

Grange now has the cheapest insurance rate in Riverside, CA with Mercury, Progressive, Allstate, and GEICO completing the list. This illustrates why California drivers need to perform an extensive rate comparison to get the most budget-friendly auto insurance rates for nurses.

Rates consist of many factors and can increase or decrease at any time, so the most economical option three years ago may now be one of the more expensive options.

If you would rather have some advice when buying car insurance for nurses, the professional agents shown below are a good start to help you determine which policy is best.

To locate a Riverside car insurance agency in your neighborhood, click the link after the list.

More Riverside, CA insurance agents