How Much is Auto Insurance for Hybrid Vehicles in Riverside?

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

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Cheapest California car insurance ranked by price
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.

Cheapest Vehicles to Insure in Riverside, CA
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.

Riverside, CA Car Insurance Company Rankings
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 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!