Determining which company quotes the lowest-priced insurance rates for felons involves more work in order to find the best policy.
Each auto insurer has a proprietary formula for establishing rates, so let’s take a look at the insurance companies with the overall best prices in California. Keep in mind that Riverside insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay. Improving your credit score, buying another vehicle, or getting a DUI can trigger changes in premium that can now make some companies cheaper than others.
Lowest Insurance Price Quotes for Felons
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USAA quotes some of the cheapest car insurance rates in Riverside at around $1,121 per year. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the cheaper Riverside, CA car insurance companies.
In the above rates, if you are insured with Century National and switched to USAA, you might achieve an annual premium reduction of upwards of $57. Customers with Wawanesa might save as much as $60 a year, and CSAA customers might cut rates by $77 a year.
Bear in mind that those rates are averaged across all drivers and vehicles in California and do not factor in a specific location for felons. So the auto insurance company that can offer you the best rate may not even be in the top 24 companies shown above. That’s why you need to get rate quotes from many companies using your own driver data and vehicle information.
For felons, one of the more important considerations that are looked at to help calculate car insurance rates is where your residence is in Riverside. Areas with increased crime or more people are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The information below shows the most costly cities in California for felons to buy car insurance in. Riverside is ranked at #13 with the yearly price of $1,497 on average, which is around $125 each month.
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Premium costs are estimated as the vehicle garaging location can increase or decrease coverage rates considerably.
Choosing a good quality auto insurance company is difficult considering how many companies are available to choose from in Riverside. The company rank data displayed below could help you select which coverage providers you want to consider when shopping car insurance rates for felons. The ratings below are only comprised of companies that insure vehicles nationwide, so companies that only write business in California or surrounding areas are not taken into consideration for the list.
Top 10 Major Auto Insurance Companies in Riverside Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Major Auto Insurance Companies in Riverside Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Insurance rate increases from tickets or accidents
In a perfect world, the best way to find good insurance premiums in Riverside for felons is to drive safely and avoid at-fault accidents and violations. The diagram below shows how violations and at-fault accidents can increase auto insurance rates for each different age category. The premiums are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of an auto insurance policy in California per year with a clean driving record and no accidents is $1,785. Add in two speeding tickets and the average cost surges to $2,536, an increase of $752 each year. Then add in one accident along with the two speeding tickets and the annual cost of insurance for felons jumps again to an average of $3,288. That’s an increase of $1,503, or $125 per month, just for not being more responsible behind the wheel!
Get discount Riverside auto insurance
Car insurance companies that offer quotes for felons may also give you special discounts that may potentially lower prices by as much as 40% or more if you are eligible to receive them. A few of the larger companies and some of the premium reductions they offer are detailed below.
- GEICO policyholders can earn discounts including membership and employees, emergency military deployment, multi-vehicle, military active duty, good student, defensive driver, and air bags.
- MetLife discounts include multi-policy, good driver, good student, claim-free, and accident-free.
- State Farm offers discounts for good student, accident-free, anti-theft, multiple policy, multiple autos, and defensive driving training.
- Progressive may have discounts that include continuous coverage, homeowner, good student, multi-policy, multi-vehicle, and online signing.
- Mercury Insurance may offer discounts for low natural disaster claims, professional/association, location of vehicle, good driver, and multi-car.
- 21st Century may include discounts for student driver, defensive driver, good student, early bird, automatic seat belts, and theft prevention.
- Allstate has discounts for eSmart discount, good payer, safe driver, good student, anti-theft, and utility vehicle.
The illustration below compares yearly insurance costs with and without policy discounts. The information is based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, homeowner, defensive driving course, passive restraint, multiple vehicle, and accident-free discounts applied. When drivers qualify for the discounts, theamount saved on insurance for felons is 28% or $599.