The words “bargain” and “insurance” really should not be used together, in particular when looking for the best car insurance rates for hybrid vehicles. To help control this cost, let’s start the ball rolling by going over some of the things that influence car insurance rates, and see how we can help you cut the cost of the next policy you buy.
Comparing rates for low-priced auto insurance is hard enough, and figuring out which company offers the best car insurance rates for hybrid vehicles involves even more rate comparisons. Each company uses their own formula for setting rates, so let’s begin by taking a look at the lowest cost car insurance companies in Riverside, CA.
Cheapest Insurance Rates for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allied | $1,541 |
| 10 | Progressive | $1,542 |
| 11 | Allstate | $1,559 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,966 |
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USAA may have some of the lowest car insurance rates in Riverside at around $1,121 a year. This is $530 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also some of the lowest-priced Riverside, CA auto insurance companies.
As shown in the rates above, if you are currently insured with CSAA and switched to USAA, you could earn a yearly savings of in the neighborhood of $113. California drivers with Nationwide could save as much as $129 a year, and 21st Century insureds might lower prices by $204 a year.
If you want to see how much you could save, click here to begin a quote or click through to the companies below.
Bear in mind that those prices are averages across all drivers and vehicles and and are not calculated with an exact zip code location for hybrid vehicles. So the company that fits you best may not even be in the top 24 companies in the list above. That helps illustrate why you need to get auto insurance quotes using your own individual information.
The vehicle model that is being insured is one of the largest factors when consumers are trying to find low-priced car insurance for hybrid vehicles. Vehicles with lots of horsepower, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models.
The data below features coverage premiums for some of the most economical vehicles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Chevrolet Malibu LT | $1,173 |
| Honda Accord LX 4-Dr Sedan | $1,194 |
| Toyota Corolla S | $1,211 |
| Toyota Camry XLE | $1,219 |
| Ford Escape Limited 2WD | $1,223 |
| Honda CR-V EX-L 4WD | $1,230 |
| Honda Civic Hybrid 4-Dr Sedan | $1,234 |
| Chevrolet Equinox LTZ AWD | $1,243 |
| Jeep Grand Cherokee Limited 4WD | $1,234 |
| Ford Explorer XLT 4WD | $1,250 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,319 |
| Toyota RAV4 4WD | $1,326 |
| Dodge Grand Caravan Hero | $1,319 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in specific Riverside, CA garaging location which can modify prices greatly.
Looking at the data, makes and models like the Chevrolet Malibu, Honda Accord, Toyota Corolla, Toyota Camry, and Ford Escape will definitely be some of the most economical vehicles to insure for hybrids.
Finding the highest-rated company can be a challenge considering how many different companies insure vehicles in Riverside. The company information displayed below can help you analyze which coverage providers to look at when trying find the best insurance for hybrid vehicles.
The ratings below are for companies with a national presence, so companies without a large exposure are not included in the list. To compare prices from these and other top-rated companies, click here.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The chart below illustrates how your choice of deductibles can change yearly insurance costs when searching for cheap insurance for hybrid vehicles. The data is based on a single male driver, full coverage, and no policy discounts are applied.
The data above shows that a 50-year-old driver could pocket $436 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $656 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could potentially save $1,432 annually just by choosing higher deductibles when buying full coverage.
When raising deductibles, it is necessary to have additional funds squirreled away to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Driving violations and accidents
A great way to find the best car insurance premiums in California for hybrids is to be a safe driver and avoid getting tickets or having accidents. The information below illustrates how speeding tickets and fender-benders drive up insurance costs for each age group. The rates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of car insurance per year with no violations or accidents is $2,596. Receive one speeding ticket and the average cost surges to $3,023, an increase of $427 each year. Next add one accident along with the one speeding ticket and the yearly cost of car insurance for hybrid vehicles goes up to an average of $4,252. That’s an increase of $1,656, or $138 per month, just for not driving safely!