You have most likely seen the captivating ads from auto insurance companies like GEICO and State Farm that make promises of the cheapest price. So you should just select the one with the best jingle, right?
Regrettably, it’s not quite that easy, as there are a whole slew of unknown aspects like what physical damage coverage deductibles you want, if you are married, and if full coverage is needed. If you keep reading, we will teach you about the best ways to avoid high prices and also should give you a good beginning to your quest for cheaper car insurance in California.
One of the many things that are looked at to help calculate car insurance rates is where your car is garaged. Areas with more people or even just a higher incidence of claims tend to pay slightly more, whereas areas with less congestion profit from lower rates.
The illustration below sorts the highest-priced places in California for 4×4 vehicles in which to buy car insurance. Riverside is ranked #14 with the yearly price of $1,497 on average, which is approximately $125 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | San Francisco | $1,745 |
| 4 | Sacramento | $1,720 |
| 5 | Oakland | $1,687 |
| 6 | Fontana | $1,581 |
| 7 | San Bernardino | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Stockton | $1,556 |
| 10 | Garden Grove | $1,554 |
| 11 | Santa Clarita | $1,548 |
| 12 | Moreno Valley | $1,506 |
| 13 | Fresno | $1,502 |
| 14 | Riverside | $1,497 |
| 15 | Anaheim | $1,488 |
| 16 | Modesto | $1,487 |
| 17 | Santa Ana | $1,453 |
| 18 | Huntington Beach | $1,402 |
| 19 | San Jose | $1,395 |
| 20 | Bakersfield | $1,394 |
| Compare Rates Now Go | ||
Premium amounts are approximated as specific Riverside garaging address can alter premium rates noticeably.
Finding reliable, budget auto insurance is not the easiest thing to accomplish, and deciding which company offers the cheapest auto insurance rates for 4×4 vehicles calls for even more rate comparisons. Every auto insurer has their own process for establishing rates, so we’ll take a look at the most competitive auto insurance companies in California.
Best Insurance Companies for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | CSAA | $1,186 |
| 3 | Wawanesa | $1,192 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Mercury | $1,488 |
| 8 | Grange | $1,491 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,513 |
| 11 | Allied | $1,556 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,638 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Travelers | $1,842 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,026 |
| Quote Your Rates Go | ||
USAA normally has some of the most affordable car insurance rates in Riverside at around $1,109 per year. This is $542 less than the average price paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide would also make the list of some of the best Riverside, CA car insurance companies.
As shown in the table above, if you currently have a policy with Wawanesa and switched to USAA, you may see an annual premium reduction of roughly $83. Customers with Century National could save as much as $117 a year, and Nationwide insureds might cut rates by $154 a year.
To find out how much you can save, click here to start a quote or click through to the companies below.
Be aware that those premiums are averaged across all types of drivers and the different vehicles they drive and and are not calculated with an exact location for 4×4 vehicles. So the company that fits your age and vehicle best may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get rate quotes using your own specific driver and vehicle information.
The make and model of vehicle that is being insured is probably the most important factor when comparison shopping for the cheapest car insurance for 4×4 vehicles. Vehicles with lower performance, an excellent safety record, or a track record of few liability claims will cost significantly less to insure than high performance models. The data below shows auto insurance rates for the most budget-friendly automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,002 |
| Hyundai Elantra GLS Touring Station Wagon | $1,147 |
| Chevrolet Impala LT | $1,184 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,227 |
| Toyota Camry SE | $1,247 |
| Ford Escape XLT 4WD | $1,258 |
| Toyota Prius | $1,270 |
| Honda Accord EX 2-Dr Coupe | $1,333 |
| Ford Focus S 4-Dr Sedan | $1,336 |
| Ford F-150 XLT Regular Cab 2WD | $1,347 |
| Toyota Camry Hybrid | $1,356 |
| Chevrolet Malibu Hybrid | $1,361 |
| Chevrolet Equinox LT AWD | $1,366 |
| Dodge Grand Caravan Crew | $1,386 |
| Ford Explorer Limited AWD | $1,396 |
| Ford Edge SE AWD | $1,424 |
| Toyota RAV4 Limited 4WD | $1,454 |
| Get a Custom Quote Go | |
Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can modify premium rates substantially.
Based on these rates, vehicles like the Honda CR-V, Hyundai Elantra, Chevrolet Impala, Jeep Wrangler, and Toyota Camry are the most economical vehicles to insure for off-road vehicles.
Drive responsibly or pay higher rates
The common sense way to get the best auto insurance rates for off-road vehicles is to be a cautious driver and avoid traffic citations and accidents. The chart below illustrates how speeding tickets and at-fault claims increase annual premium costs for each age group. The rates are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
In the previous chart, the average cost of an auto insurance policy in California per year with no accidents or violations is $1,785. Get two speeding tickets and the average cost jumps to $2,536, an increase of $752 each year. Now include two accidents along with the two speeding tickets and the yearly cost of auto insurance for 4×4 vehicles increases to an average of $5,311. That’s an increase of $3,526, or $294 per month, just for being a little careless behind the wheel!
Discount Riverside car insurance
Insurance providers that provide coverage for 4×4 vehicles may provide rate discounts that could potentially reduce rates by as much as 35% or more if you qualify for them. Companies and a selection of discounts include:
- GEICO offers premium reductions for defensive driver, emergency military deployment, anti-lock brakes, military active duty, and federal employee.
- Mercury Insurance may include discounts for ease of repair, annual mileage, multi-car, anti-theft, good student, low natural disaster claims, and good driver.
- Farmers Insurance offers discounts for mature driver, multi-car, good student, pay in full, and switch companies.
- Auto-Owners Insurance offers discounts including student away at school, air bags, multiple vehicles, company car, and good student.
- Liberty Mutual has savings for newly married, exclusive group savings, newly retired, multi-car, multi-policy, and good student.
- SAFECO policyholders can earn discounts including homeowner, teen safety rewards, teen safe driver, drive less, bundle discounts, and safe driver.
- Progressive includes discounts for online quote discount, online signing, good student, homeowner, and continuous coverage.
- USAA may have discounts that include safe driver, multi-vehicle, defensive driver, family discount, and new vehicle.
The illustration below compares insurance premiums with and without policy discounts. The rates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multiple vehicle, multiple policy, vehicle safety, safe-driver, claim-free, and defensive driving course discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on auto insurance for 4×4 vehicles is 28% or $559.
How to find low-cost insurance for 4×4 vehicles
The list below summarizes some penny-pinching suggestions that can help you get cheap auto insurance.
- At-fault accidents can raise rates significantly
- Drop full coverage on older vehicles
- Raise your physical damage coverage deductibles
- Drivers with good credit ratings often pay less
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Buy vehicles with five-star safety ratings
- Shop around for cheaper prices often
That last tip is very vital, as we stressed in the prior information. Car insurance prices change constantly, so don’t be afraid to change insurance companies if a more affordable price is available.
Having brand loyalty is commendable, but it’s not recommended if it’s costing you money that could be spent on other things. In just a few minutes you could compare prices and find cheaper insurance for 4×4 vehicles in Riverside.