What Car Insurance is Cheapest for State Employees in Riverside?

Ideally, we could just tell you the one auto insurance company that has the cheapest coverage in California. It’s just not that easy, however, as there are a whole bunch of unknown factors such as when you were born, how much you actually drive in a year, and if you have any tickets or accidents, that help determine the price you have to pay. This article will discuss the best ways to maintain low rates and will hopefully give you some help in finding cheaper rates.

Comparing rates for low-priced car insurance is hard enough, and figuring out which companies have the lowest-priced insurance rates for state employees will take even more rate comparisons. Every auto insurer uses their own formula to set policy rates, so let’s rank the insurance companies that tend to be cheaper in Riverside.

It’s a good idea to know that California insurance rates are impacted by many factors which can substantially change the cost of coverage. That is why it is crucial to shop around when trying to get the cheapest insurance quotes for state employees. Prices are made up of many risk factors and can increase or decrease at any time, so the most economical option a year ago may now be an over-priced policy.

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,155
2 Century National $1,178
3 Wawanesa $1,181
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,338
7 Mercury $1,488
8 Grange $1,491
9 Progressive $1,512
10 GEICO $1,513
11 Allstate $1,513
12 The Hartford $1,575
13 Allied $1,603
14 MetLife $1,654
15 Unitrin $1,699
16 Esurance $1,705
17 State Farm $1,750
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $2,006
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USAA has some of the lowest car insurance rates in Riverside at around $1,155 each year. This is $496 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the best Riverside, CA insurance companies.

As the example above demonstrates, if you are insured with Century National and switched to USAA, you could earn annual savings of approximately $23. Drivers with Wawanesa might save as much as $26 a year, and CSAA customers might see rate reductions of $79 a year.

These policy rates are averaged for all types of insureds and vehicles and and are not figured with an exact location for state employees. So the insurer that is best suited for you may not even be in the top 24 companies shown above. That point stresses why you need to get quotes using your own personalized driver profile and vehicle information.

The type of vehicle to be insured is one of the primary factors when shopping around for the most economical coverage for state employees. Vehicles with lots of speed or power, a lack of safety features, or a track record of large liability claims will cost much more to insure than safer, lower-performance models.

The table below illustrates auto insurance costs for the most economical vehicles to insure.

Cheapest Vehicles to Insure in Riverside, CA
Vehicle Insured Estimated Cost for Full Coverage
Chevrolet Malibu Hybrid $1,128
Toyota Tacoma Double Cab 4WD $1,151
Honda CR-V EX 2WD $1,173
Ford Escape XLS 2WD $1,182
Toyota Corolla LE $1,186
Toyota Camry XLE $1,191
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,202
Chevrolet Silverado 2500HD LT Crew Cab 4WD $1,208
Nissan Altima 3.5 SR 4-Dr Sedan $1,214
GMC Sierra 2500HD SLE Crew Cab 4WD $1,208
Volkswagen Jetta SE 4-Dr Sedan $1,218
Hyundai Elantra SE Touring Station Wagon $1,275
Jeep Grand Cherokee Laredo 4WD $1,292
Chevrolet Equinox LT 2WD $1,300
Hyundai Sonata Limited 4-Dr Sedan $1,292
Toyota Prius $1,304
Dodge Grand Caravan CV $1,310
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $1,315
Ford Explorer Limited 2WD $1,317
Ford Edge SEL AWD $1,359
Chevrolet Impala LTZ $1,361
Toyota RAV4 Limited 4WD $1,386
GMC Sierra SLT Extended Cab 4WD $1,395
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Table data assumes 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, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in specific location information which can affect auto insurance rates noticeably.

By looking at the data, you can presume that vehicles like the Chevrolet Malibu, Toyota Tacoma, Honda CR-V, Ford Escape, and Toyota Corolla will definitely be some of the most affordable vehicles to insure for state workers.

For state workers, one of the largest components that aid in calculating car insurance rates is where you call home. Regions with larger populations or more claims tend to have higher rates, whereas areas that tend to be more rural profit from lower rates.

The information below shows the most expensive areas in California for state employees to purchase auto insurance in. Riverside makes the list at #14 with the yearly price of $1,482 on average, which is around $124 per month.

How much does car insurance cost in Riverside, CA?
Rank City Annual Premium
1 Los Angeles $2,083
2 Glendale $2,058
3 San Francisco $1,763
4 Oakland $1,755
5 Sacramento $1,703
6 San Bernardino $1,628
7 Long Beach $1,610
8 Santa Clarita $1,595
9 Fontana $1,581
10 Modesto $1,547
11 Stockton $1,541
12 Garden Grove $1,508
13 Moreno Valley $1,491
14 Riverside $1,482
15 Fresno $1,472
16 Santa Ana $1,453
17 Anaheim $1,430
18 Fremont $1,403
19 Bakersfield $1,394
20 San Jose $1,381
21 Irvine $1,371
22 San Diego $1,368
23 Huntington Beach $1,360
24 Chula Vista $1,337
25 Oxnard $1,318
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Information shown are approximated as zip code location can impact coverage rates significantly.

The diagram below demonstrates how deductible levels can raise or lower insurance prices when getting quotes for cheap insurance for state employees. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

The chart above illustrates that a 40-year-old driver could reduce rates by $420 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $634 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, could potentially save as much as $1,042 every year by using a higher deductible.

If you do decide to increase your deductibles, it will now be necessary to have enough savings to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Finding a highly-rated insurance provider can be difficult considering how many companies are available to choose from in California. The rank data in the next section can help you analyze which car insurance companies to look at when trying find the best insurance for state employees. These rankings are only comprised of companies with a national presence, so companies that only write business in California or surrounding areas will not be included in the list.

Top 10 Large Auto Insurance Companies Overall in Riverside

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top 10 Large Auto Insurance Companies in Riverside Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Irresponsible driving raises your rates

The easiest way to snag the cheapest insurance rates in Riverside for state workers is to drive safely and avoid accidents and traffic violations. The information below highlights how traffic violations and at-fault claims can affect insurance rates for different age groups of insureds. The data is based on a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of auto insurance per year with no accidents and a clean driving record is $1,849. Add in one speeding ticket and the average cost swells to $2,088, an increase of $239 each year. Next add two accidents along with the one speeding ticket and the annual cost of insurance for state employees goes up to an average of $4,329. That’s an increase of $2,479, or $207 per month, just for not driving carefully!