Shopping around for reasonably-priced insurance is tough enough, and figuring out which companies quote the most affordable car insurance rates for low mileage drivers will require even more shopping around. Every insurance provider has their own guidelines for determining rates, so let’s take a look at the lowest cost car insurance companies in Riverside.
It’s important to know that California car insurance rates are impacted by many things that can increase the price you have to pay. Simply having another birthday, buying another vehicle, or getting a driving violation may generate price changes that may make certain companies more expensive than competitors.
Find Cheaper Car Insurance in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,433 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,497 |
| 10 | Mercury | $1,503 |
| 11 | GEICO | $1,513 |
| 12 | Allied | $1,556 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,733 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
| View More Rates Go | ||
USAA offers some of the best car insurance rates in Riverside at around $1,143 a year. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also are some of the cheaper Riverside, CA auto insurance companies.
As the example above demonstrates, if you currently have a policy with Century National and switched to USAA, you may realize annual savings of upwards of $47. Customers with CSAA may save as much as $55 a year, and Nationwide insureds might lower prices by $83 a year.
To get a quick, customized rate comparison, click here to begin a quote or visit any of the low-priced companies below.
These premiums are averaged for all insureds and vehicles and and are not calculated with a specific location for low mileage drivers. So the insurer that fits your needs best may not even be in the top 24 companies shown above. That point stresses why you need to get auto insurance quotes using your own individual information.
For infrequent drivers, one of the more important things that are used to help calculate the cost of insurance is where you call home in Riverside. Areas with more people or higher crime rates tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.
The information below lists the most expensive areas in California for low mileage drivers in which to buy car insurance. Riverside makes the list at #15 with an annual cost of $1,482 for the average insured, which is around $124 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,610 |
| 8 | Fontana | $1,581 |
| 9 | Santa Clarita | $1,580 |
| 10 | Garden Grove | $1,570 |
| 11 | Stockton | $1,541 |
| 12 | Moreno Valley | $1,536 |
| 13 | Santa Ana | $1,497 |
| 14 | Modesto | $1,487 |
| 15 | Riverside | $1,482 |
| 16 | Fresno | $1,457 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,402 |
| 20 | Fremont | $1,389 |
| 21 | San Diego | $1,381 |
| 22 | Oxnard | $1,358 |
| 23 | Chula Vista | $1,350 |
| 24 | Bakersfield | $1,340 |
| 25 | Irvine | $1,330 |
| Compare Rates Now Go | ||
Price information shown is estimated as the specific area where the vehicle is garaged can change prices substantially.
The vehicle you are insuring is a large consideration that determines the availability of the most economical insurance for low mileage drivers. Vehicles with higher performance characteristics, poor passenger safety features, or an increased likelihood of liability claims will cost significantly more to insure than more modest models.
The list below outlines insurance prices for a handful of the most budget-friendly vehicles to insure in California.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,003 |
| Honda CR-V EX 4WD | $1,012 |
| Honda Accord EX-L 4-Dr Sedan | $1,064 |
| Chevrolet Impala LS | $1,140 |
| Toyota Camry SE | $1,223 |
| Toyota Tacoma X-Runner 2WD | $1,232 |
| Toyota Prius | $1,244 |
| Honda Odyssey Touring | $1,246 |
| Chevrolet Silverado LS Extended Cab 2WD | $1,251 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,246 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,253 |
| Ford Explorer XLT 4WD | $1,259 |
| Ford Edge Limited 2WD | $1,304 |
| Ford F-150 XLT Super Cab 2WD | $1,352 |
| Chevrolet Malibu LT | $1,354 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,374 |
| Honda Civic LX 4-Dr Sedan | $1,380 |
| GMC Sierra 2500HD SLT Extended Cab 2WD | $1,390 |
| Ford Focus S 4-Dr Sedan | $1,397 |
| Toyota Corolla XLE | $1,399 |
| Get a Custom Quote Go | |
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in zip code location which can increase or decrease insurance rates considerably.
By looking at the data, we can conclude that models like the Ford Escape, Honda CR-V, Honda Accord, and Chevrolet Impala are most likely to be some of the most economical vehicles to insure for infrequent drivers.
The illustration below shows how different deductible levels can increase or decrease insurance prices when searching for cheap insurance for low mileage drivers. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 30-year-old driver could save $420 a year by increasing from a $100 deductible to a $500 deductible, or save $632 by switching to a $1,000 deductible. Young drivers, like the 20-year-old category, can cut up to $896 annually by choosing larger deductibles on their policy. When increasing deductibles, it will now be necessary to have enough savings set aside to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Car insurance rates are higher with tickets and accidents
The easiest method to score good car insurance premiums in Riverside for infrequent drivers is to be a cautious driver and avoid traffic citations and accidents. The chart below demonstrates how citations and accidents can impact insurance costs for different categories of driver ages. The information is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of an auto insurance policy per year with no violations or accidents is $1,849. Get two speeding tickets and the average cost surges to $2,435, an increase of $585 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of car insurance for low mileage drivers increases to an average of $3,029. That’s an increase of $1,180, or $98 per month, just for not being more responsible behind the wheel!
Tips for finding the cheapest auto insurance for low mileage drivers
The list below shows a few penny-pinching ideas that can help you buy low-cost coverage.
- At-fault accidents can raise rates significantly
- Avoid filing small claims
- Insure your home and auto with the same company
- Buy safe vehicles
- Do not get tickets or violations
- Compare price quotes at least once a year
The last tip is extremely vital, as we hit on in the article above. Coverage prices can be adjusted at any time, so don’t be unwilling to switch carriers if a lower price can be found.
Many drivers prefer to stick with one company, but it’s not recommended if that dedication is costing a fortune every year. Now is a great time to shop around to find cheaper auto insurance for low mileage drivers in Riverside.