The make and model of vehicle requiring insurance is one of the biggest factors when shopping around for the cheapest car insurance for high mileage drivers. Vehicles with limited top-end speed, modern passenger safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The next list features insurance prices for the more affordable vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,099 |
| Honda Accord LX-P 4-Dr Sedan | $1,109 |
| Toyota Prius | $1,115 |
| Honda CR-V EX-L 2WD | $1,124 |
| Toyota Tacoma 2WD | $1,169 |
| Ford Focus SE 4-Dr Sedan | $1,179 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,207 |
| Ford F-150 XLT Crew Cab 4WD | $1,214 |
| Honda Odyssey LX | $1,250 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,280 |
| Dodge Grand Caravan SE | $1,289 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,295 |
| Toyota RAV4 Limited 4WD | $1,305 |
| Chevrolet Impala LT | $1,313 |
| Chevrolet Equinox LS 2WD | $1,305 |
| Ford Edge SE AWD | $1,314 |
| GMC Sierra SL Extended Cab 2WD | $1,343 |
| Find Cheaper Rates Go | |
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate information does not factor in vehicle location which can alter auto insurance rates noticeably.
Based upon the rates shown, you can presume that models like the Ford Escape, Honda Accord, and Toyota Prius are going to be some of the most economical vehicles to insure for high mileage drivers.
Finding decent, cheap auto insurance is difficult, and deciding which insurers offer the cheapest auto insurance rates for high mileage drivers involves a little more work. Each insurer has their own unique process for setting prices, so let’s take a look at the auto insurance companies with the overall cheapest rates in Riverside.
Cheapest Insurance Rates in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,513 |
| 11 | Allstate | $1,543 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,006 |
| Find Cheaper Rates Go | ||
USAA generally has some of the lowest car insurance rates in Riverside at around $1,143 annually. This is $508 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the cheaper Riverside, CA car insurance companies.
As illustrated above, if you currently have a policy with Wawanesa and switched to USAA, you may see a yearly savings of about $49. Customers with CSAA might save as much as $55 a year, and Nationwide customers might cut rates by $83 a year.
Remember that these rates are averages across all insureds and vehicles and do not take into consideration an exact location for high mileage drivers. So the insurer that is most affordable for your situation may not even be in the top 24 companies in the list above. That helps illustrate why you need to get rate quotes using your own driver information and specific vehicle type.
For high mileage drivers, one of the big criteria that aid in calculating insurance cost is the neighborhood you call home. More populated areas tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents have the luxury of lower rates.
The next table ranks the highest-priced places in California for high mileage drivers in which to purchase auto insurance. Riverside comes in at #14 with a yearly cost of $1,482 for the average policy, which is about $124 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | Sacramento | $1,703 |
| 4 | San Francisco | $1,693 |
| 5 | Oakland | $1,687 |
| 6 | Stockton | $1,603 |
| 7 | Santa Clarita | $1,595 |
| 8 | San Bernardino | $1,580 |
| 9 | Long Beach | $1,578 |
| 10 | Garden Grove | $1,570 |
| 11 | Moreno Valley | $1,551 |
| 12 | Fontana | $1,535 |
| 13 | Modesto | $1,502 |
| 14 | Riverside | $1,482 |
| 15 | Fresno | $1,472 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,437 |
| 19 | Bakersfield | $1,394 |
| 20 | Fremont | $1,389 |
| 21 | Irvine | $1,384 |
| 22 | San Diego | $1,381 |
| 23 | Huntington Beach | $1,360 |
| 24 | Chula Vista | $1,350 |
| 25 | Oxnard | $1,304 |
| Start a Quote Go | ||
Annual rates are approximated as the vehicle garaging location can affect premiums substantially.
The illustration below highlights how deductible choice can influence insurance rates when getting quotes for cheap insurance for high mileage drivers. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could pocket $350 a year by increasing from a $100 deductible to a $500 deductible, or save $530 by selecting a $1,000 deductible. Even younger insureds, like the age 20 example, could save as much as $888 or more by using a higher deductible. When using a larger deductible, it will be required to have additional funds in a savings account to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
California auto insurance companies ranked
Buying coverage from the best insurance provider can be challenging considering how many companies are available to choose from in California. The ranking information shown next could help you analyze which car insurance companies you want to consider when trying to find cheaper insurance for high mileage drivers.
The rankings below are for the largest companies in America, so smaller regional companies will not be included in these rankings. To compare prices from these and other competitive companies, simply click here.
Top 10 Major Auto Insurers Overall in Riverside
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Major Auto Insurers in Riverside Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Responsible drivers pay cheaper auto insurance rates
The common sense way to maintain cheap auto insurance prices in Riverside for high mileage drivers is to be a safe driver and not receive tickets or have accidents. The chart below illustrates how speeding tickets and accidents raise auto insurance rates for each different age group. The premium estimates are based on a single female driver, full coverage, $100 deductibles, and no other discounts are factored in.
The data above shows the average cost of car insurance in California per year with no accidents or violations is $2,661. Factor in two speeding tickets and the average cost swells to $3,591, an increase of $930 each year. Then include two accidents along with the two speeding tickets and the annual cost of auto insurance for high mileage drivers increases to an average of $6,749. That’s an increase of $4,088, or $341 per month, just for not being a responsible driver!