How Much are Auto Insurance Rates for Government Employees in Riverside?

The car, truck, or SUV you are insuring is one of the largest factors in finding the most affordable coverage for government employees. Vehicles with average performance, good safety features, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models.

The next list shows auto insurance prices for some of the more affordable automobiles to insure in California.

Cheapest Vehicles to Insure in Riverside, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,024
Ford Escape XLT 4WD $1,047
Toyota Tacoma 2WD $1,189
Ford Focus S 4-Dr Sedan $1,195
Volkswagen Jetta S 4-Dr Sedan $1,212
Chevrolet Malibu Hybrid $1,220
Toyota RAV4 Limited 2WD $1,212
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,254
Toyota Camry SE $1,274
Honda Odyssey EX-L $1,283
Chevrolet Impala LTZ $1,274
Honda CR-V EX-L 4WD $1,286
Toyota Prius $1,297
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Information does not factor in zip code location which can lower or raise price quotes significantly.

Looking at the rates, you can infer that makes and models like the Honda Accord, Ford Escape, Toyota Tacoma, Ford Focus, and Volkswagen Jetta are going to be the most budget-friendly vehicles to insure for state and federal workers.

One of the more important criteria that are used to help calculate auto insurance rates is where you keep your vehicle. Regions with more people or even just more weather-related claims tend to have higher auto insurance costs, whereas areas that tend to be more rural benefit from having to pay less for coverage.

The illustration below lists the most expensive places in California for government employees to buy auto insurance in. Riverside ranks #16 costing $1,482 for the average policy, which is about $124 per month.

How much is auto insurance in Riverside, CA?
Rank City Average Per Year
1 Los Angeles $2,146
2 Glendale $2,079
3 San Francisco $1,763
4 Oakland $1,755
5 Sacramento $1,652
6 San Bernardino $1,644
7 Stockton $1,588
8 Santa Clarita $1,580
9 Long Beach $1,578
10 Modesto $1,547
11 Fontana $1,535
12 Garden Grove $1,524
13 Santa Ana $1,497
14 Moreno Valley $1,491
15 Anaheim $1,488
16 Riverside $1,482
17 Fresno $1,457
18 San Jose $1,437
19 Huntington Beach $1,374
20 Irvine $1,371
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Information shown are comparative as the garaging address in Riverside can raise or lower premiums considerably.

Locating reasonably-priced car insurance is difficult, and finding out which company has the cheapest insurance rates for government employees calls for more quotes for comparison. Each company has their own unique process to set policy rates, so let’s take a look at the overall cheapest insurance companies in California.

It’s a good idea to know that Riverside, CA insurance rates are influenced by many factors which can substantially change the price you pay for coverage. Improving your credit rating, buying a home, or having an at-fault accident can trigger price changes that can make some companies much higher than others.

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,146
3 CSAA $1,198
4 Nationwide $1,213
5 Century National $1,214
6 21st Century $1,325
7 Grange $1,491
8 Mercury $1,503
9 GEICO $1,529
10 Progressive $1,558
11 Allstate $1,559
12 Allied $1,588
13 The Hartford $1,623
14 MetLife $1,638
15 State Farm $1,682
16 Unitrin $1,682
17 Esurance $1,739
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $2,026
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USAA offers some of the most affordable car insurance rates in Riverside at around $1,109 a year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National also rank well as some of the cheapest Riverside, CA auto insurance companies.

As the example above demonstrates, if you currently have coverage with Nationwide and switched to Wawanesa, you could earn a yearly savings of roughly $67. Customers with Century National may save as much as $68 a year, and 21st Century insureds might lower prices by $179 a year.

To see if you’re overpaying, click here or click through to the companies below.

These rates are averaged across all types of insureds and vehicles and do not factor in an exact zip code location for government employees. So the insurer that fits you best may not even be in the top 24 companies in the list above. That underscores the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.

How accidents and violations affect rates

The easiest method to obtain good insurance prices for state and federal workers is to drive attentively and avoid tickets and accidents. The information below shows how traffic citations and at-fault collisions can influence yearly insurance costs for different age groups. The data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

In the previous chart, the average cost of car insurance in Riverside per year with no accidents or violations is $2,394. Get two speeding tickets and the average cost increases to $3,222, an increase of $828 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of insurance for government employees goes up to an average of $6,160. That’s an increase of $3,766, or $314 per month, just for not being attentive to the road!

How to find a good Riverside insurance company

Buying coverage from a good quality insurer can be a challenge considering how many different companies insure vehicles in Riverside. The ranking data shown below could help you pick which car insurance providers to look at when trying to find cheaper insurance for government employees. The ratings below are only comprised of the largest auto insurers in America, so companies that may only write in California are not taken into consideration for the list.

Best Insurance Companies for Government Employees 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
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Tips for buying the cheapest car insurance for government employees

The list below details a few thrifty suggestions that can help Riverside drivers quote low-cost car insurance.

The final tip is highly valuable, as was pointed out in the article above. Insurance prices vary considerably, so drivers shouldn’t be resistant to change to a new company if a better deal can be had. Brand loyalty is not necessarily bad, but it isn’t a good idea if that dedication is costing hundreds every year. It only takes a couple minutes to compare rates and find cheaper insurance for government employees in Riverside.