Who Has Affordable Car Insurance for Used Cars in Riverside?

The type of vehicle needing coverage is one of the main factors that determines if you can find the lowest-priced insurance for used cars. Vehicles with reasonable performance levels, advanced safety features, or a low likelihood of having liability claims will cost much less to insure than higher performance models.

The information below showcases insurance costs for the most cost-effective automobiles to buy coverage for.

Cheapest Vehicles to Insure in Riverside, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Edge SE 2WD $1,181
Dodge Grand Caravan SE $1,207
Ford Explorer XLT 4WD $1,212
Hyundai Elantra GLS Touring Station Wagon $1,231
Chevrolet Malibu LS $1,273
Ford Focus SES 4-Dr Sedan $1,313
Honda CR-V EX 2WD $1,320
Chevrolet Impala LTZ $1,339
Ford Escape XLT 4WD $1,351
Toyota Prius $1,362
Ford Fusion SEL 4-Dr Sedan $1,367
Honda Accord EX 2-Dr Coupe $1,431
Chevrolet Silverado Crew Cab Hybrid 4WD $1,452
Hyundai Sonata Limited 4-Dr Sedan $1,454
Jeep Grand Cherokee Laredo 4WD $1,459
Ford F-150 Lariat Crew Cab 2WD $1,487
Toyota Tacoma 2WD $1,527
Honda Odyssey EX-L $1,534
Toyota Corolla LE $1,542
Chevrolet Silverado 2500HD LTZ Crew Cab 2WD $1,543
Toyota RAV4 4WD $1,558
Chevrolet Equinox LS 2WD $1,565
Kia Optima LX $1,562
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can decrease or increase price quotes noticeably.

Based on these rates, we can infer that models like the Ford Edge, Dodge Grand Caravan, Ford Explorer, and Hyundai Elantra are most likely to be some of the most affordable vehicles to insure for pre-owned vehicles.

Finding out which insurers offer the most affordable insurance rates for used cars requires a little more effort than just getting one or two price quotes. Every insurance company has a proprietary method to determine rates, so let’s look at the rankings for the most competitive insurance companies in Riverside, CA.

We do need to point out that Riverside, CA insurance rates are influenced by many factors that will increase or decrease the cost of your policy. Simply having a birthday, getting married, or getting a speeding ticket may prompt premium changes that can now make some companies cheaper than competitors.

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,181
3 CSAA $1,198
4 Nationwide $1,213
5 Century National $1,214
6 21st Century $1,379
7 Grange $1,447
8 Allstate $1,513
9 GEICO $1,529
10 Progressive $1,542
11 Mercury $1,548
12 Allied $1,556
13 The Hartford $1,623
14 MetLife $1,638
15 Esurance $1,688
16 State Farm $1,699
17 Unitrin $1,750
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $1,946
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USAA may offer some of the most affordable car insurance rates in Riverside at around $1,143 annually. Wawanesa, CSAA, Nationwide, and Century National would also make the list of some of the cheaper Riverside, CA insurance companies.

As depicted above, if you are insured with CSAA and switched to USAA, you might see annual savings of upwards of $55. California drivers with Nationwide could save as much as $70 a year, and Century National customers might lower prices by up to $71 a year.

To see how much you can save, click here or visit any of the low-priced companies below.

Bear in mind that those premium estimates are averages across all insureds and vehicles and do not factor in an exact vehicle garaging location for used cars. So the auto insurance company that is best for you may not even be in the list above. That point stresses why you need to get car insurance quotes using your own specific driver information and vehicle.

For pre-owned vehicles, one of the more important components that help determine car insurance rates is where your car is garaged. Larger areas are more likely to pay higher prices, whereas less populated areas tend to receive slightly lower rates.

The next table shows the priciest cities in California for used cars to buy car insurance in. Riverside shows up at #17 with the yearly price of $1,482 for the average policyholder, which is about $124 monthly.

How much is auto insurance in Riverside, CA?
Rank City Premium Per Year
1 Los Angeles $2,104
2 Glendale $2,058
3 Oakland $1,755
4 San Francisco $1,711
5 Sacramento $1,669
6 San Bernardino $1,580
7 Long Beach $1,578
8 Garden Grove $1,570
9 Fontana $1,566
10 Stockton $1,556
11 Moreno Valley $1,536
12 Santa Clarita $1,533
13 Fresno $1,502
14 Anaheim $1,488
15 Modesto $1,487
16 Santa Ana $1,483
17 Riverside $1,482
18 Fremont $1,403
19 San Jose $1,381
20 Huntington Beach $1,374
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Information shown are approximated as specific Riverside zip code can decrease or increase premiums significantly.

Selecting a highly-rated insurance company can be a challenge considering how many choices there are in California. The company information in the lists below can help you analyze which car insurance providers you want to consider when trying to find cheaper insurance for used cars. These rankings are only comprised of large insurance companies, so smaller companies are not factored into the list.

Best Ten Insurance Companies for Used Cars in Riverside
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

The diagram below highlights how deductible choice can increase or decrease insurance costs when trying to find cheap insurance for used cars. The data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

A 40-year-old driver could reduce rates by $300 a year by switching from a $100 deductible to a $500 deductible, or save $456 by using a $1,000 deductible. Youthful drivers, like the age 20 example, could possibly save as much as $750 or more by choosing larger deductibles on their policy.

If you make the decision to raise deductibles, it is a good idea to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Get discount Riverside auto insurance rates

Insurance for pre-owned vehicles in Riverside, CAInsurance providers that offer coverage for used cars may also provide rate discounts that could potentially reduce rates by 40% or more if you can meet the requirements. Large insurance companies and some of their more popular discounts include:

The chart below visualizes the comparison of annual premium costs with and without policy discounts. The information is based on a female driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, homeowner, claim-free, marriage, vehicle safety, and multiple vehicle discounts applied. In this example, the average amount saved each year on insurance for used cars is 28% or $599.