What Auto Insurance is Cheapest in Riverside, California?

Deciphering which insurers offer the cheapest auto insurance rates in Riverside will require a bit more work than just comparing rates from one or two companies. Every car insurance company uses a slightly different approach for determining rates in each state, so we’ll take a look at the auto insurance companies that tend to have lower prices in California.

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 Nationwide $1,213
5 CSAA $1,222
6 21st Century $1,325
7 Grange $1,447
8 Allstate $1,497
9 Progressive $1,542
10 Mercury $1,548
11 GEICO $1,575
12 MetLife $1,590
13 Allied $1,603
14 The Hartford $1,623
15 State Farm $1,682
16 Unitrin $1,699
17 Esurance $1,705
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $2,006
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USAA normally has some of the lowest car insurance rates in Riverside at around $1,121 a year. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA also qualify as some of the cheapest Riverside, CA insurance companies.

As illustrated above, if you currently have coverage with Wawanesa and switched to USAA, you may realize an annual savings of in the vicinity of $60. Insureds with Century National might save as much as $69 a year, and Nationwide insureds might lower prices by $92 a year.

To see how much you can save, click here to begin a quote or click several companies below for low rates.

Be aware that those premium estimates are averages for all drivers and vehicles in California and and are not calculated with an exact vehicle garaging location in Riverside. So the company that fits your age and vehicle best may not even be in the top 24 companies shown above. That underscores the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.

For drivers in Riverside, one of the largest criteria that determine the amount you pay for auto insurance is the neighborhood you call home in Riverside. Larger areas tend to have more expensive car insurance rates, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.

The illustration below shows the most costly cities in California to purchase auto insurance in. Riverside is ranked at #15 with an annual rate of $1,497 on average, which is approximately $125 each month.

How much is car insurance in Riverside?
Rank City Annual Premium
1 Los Angeles $2,083
2 Glendale $2,079
3 San Francisco $1,693
4 Oakland $1,687
5 Sacramento $1,652
6 Long Beach $1,610
7 Stockton $1,588
8 San Bernardino $1,580
9 Fontana $1,566
10 Santa Clarita $1,548
11 Moreno Valley $1,536
12 Garden Grove $1,524
13 Fresno $1,502
14 Modesto $1,502
15 Riverside $1,497
16 Santa Ana $1,483
17 Anaheim $1,444
18 San Jose $1,423
19 Irvine $1,384
20 Bakersfield $1,381
21 Fremont $1,361
22 Huntington Beach $1,360
23 San Diego $1,327
24 Oxnard $1,304
25 Chula Vista $1,298
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Table data uses estimated as vehicle location can modify prices significantly.

The type of vehicle to be insured is a large consideration that determines whether or not you can buy economical auto insurance in Riverside. Vehicles with lots of horsepower, poor safety features, or a high likelihood of having liability claims will cost more to insure than more modest models.

The table below shows auto insurance premiums for a handful of the most economical automobiles to insure.

Cheapest Vehicles to Insure in Riverside, CA
Insured Vehicle Estimated Cost for Full Coverage
Toyota Prius $950
Honda Accord LX 4-Dr Sedan $977
Honda CR-V LX 4WD $983
Ford Edge SEL 2WD $993
Ford Escape XLT 4WD $1,003
Chevrolet Malibu Hybrid $1,014
GMC Sierra SLE Crew Cab 2WD $1,024
Ford Explorer Limited AWD $1,035
Nissan Altima 2.5 S 4-Dr Sedan $1,067
Hyundai Elantra SE 4-Dr Sedan $1,073
Toyota Tacoma X-Runner 2WD $1,067
Jeep Grand Cherokee SRT-8 4WD $1,087
Honda Odyssey Touring $1,096
Volkswagen Jetta 2.0T 4-Dr Sedan $1,087
Dodge Grand Caravan SE $1,094
Ford F-150 XLT Regular Cab 4WD $1,099
GMC Sierra 3500HD SLT Extended Cab 2WD $1,108
Chevrolet Impala LS $1,130
Toyota RAV4 Sport 2WD $1,156
Chevrolet Equinox LT 2WD $1,161
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in specific location which can change price quotes noticeably.

Looking at the rates, we can assume that makes and models like the Toyota Prius, Honda Accord, Honda CR-V, and Ford Edge will be some of the cheaper vehicles to insure for drivers in Riverside.

Driving violations and accidents

One of the best ways to earn low auto insurance premiums in Riverside for drivers in Riverside is to be a careful driver and not have accidents or get tickets. The illustration below illustrates how violations and at-fault fender-benders impact car insurance rates for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

The data charted above shows the average cost of an auto insurance policy in Riverside per year with no violations or accidents is $2,596. Add in two speeding tickets and the average cost hikes up to $3,710, an increase of $1,114 each year. Next add one accident along with the two speeding tickets and the 12-month cost of auto insurance in Riverside jumps again to an average of $4,851. That’s an increase of $2,255, or $188 per month, just for not driving attentively!

Why you should be shopping around

California auto insurance rates are determined by lots of factors that control the cost of a policy. Improving your credit rating, buying a new vehicle, or having an accident may generate price changes resulting in some rates now being more affordable than competitors. And not only may your rating factors change, but car insurance companies modify pricing every year to adjust for heavy claims or excess profits. Higher than usual claims may cause increased rates, while a better claims history can produce cheaper Riverside car insurance rates.

The data below compares the cheapest car insurance in Riverside, CA for a 35-year-old male driver with a good driving record, no prior claims, and good credit. If we compare prices based on his current situation, USAA offers the best car insurance rates in Riverside at $1,318 annually. This is $333 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the rest of the most affordable Riverside, CA auto insurance companies.

Let’s now give the driver from the above example a couple of claims, a little lower credit rating, and a stop sign violation. Since each auto insurance company has their own process to determine rates, comparing insurance quotes may now result in a slightly different list of affordable companies as shown below.

Grange now has the best auto insurance rate in Riverside, CA with Progressive, Allstate, Mercury, and GEICO completing the list. This illustrates why it is crucial to compare rates to get the best insurance rates in Riverside. Rates can be determined by many factors and change dramatically, so the most affordable company the last time you compared rates may now be quite expensive.

If you like to have a consultation when shopping for cheaper insurance for drivers in Riverside, the agents below are a good start to help you make a decision which coverages are best.

To locate a Riverside auto insurance agent by location nearest to you, click the button link following the list or click here to compare price quotes now.

More insurance agents in Riverside, CA

Ideas for finding economical car insurance in Riverside

It is possible to find better rates, and here are some of the better money-saving suggestions that can help you quote lower-cost coverage.

The final tip is particularly necessary, as we noted in the prior information. Coverage rates in Riverside change frequently, so you should be ready to buy a different policy if a better deal can be had. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that faithfulness ends up costing you hundreds of dollars year after year. If you have a few minutes, now is a great time to shop around to find cheaper insurance in Riverside.