How Much is Auto Insurance for 4×4 Vehicles in Riverside?

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.

How much does car insurance cost in Riverside, CA?
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
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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

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Cheapest California auto insurance companies
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
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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.

Cheapest Vehicles to Insure in Riverside, CA
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
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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

Discounts on auto insurance for 4x4 vehiclesInsurance 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:

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.

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.