Who Has Cheap Riverside Car Insurance Quotes for Teenagers?

The words “low-priced” and “insurance” really shouldn’t be used together, specifically when comparison shopping for the cheapest car insurance for teenagers. Because of the high cost, let’s go over a few of the things that have a considerable impact on car insurance prices, and come up with some ways to take the sting out of your next policy.

Deciphering which company has the cheapest insurance rates for teenagers will involve a little more effort in order to find the lowest price quote. Every insurance company uses their own calculation for establishing rates, so let’s examine the overall cheapest insurance companies in Riverside.

It’s a good idea to be aware that Riverside insurance rates are impacted by many factors which can significantly increase or decrease the price of coverage. Simply turning a year older, marrying your spouse, or getting a couple of tickets can trigger rate changes resulting in some rates now being more affordable than others.

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,181
3 CSAA $1,186
4 Century National $1,190
5 Nationwide $1,213
6 21st Century $1,338
7 Grange $1,433
8 Progressive $1,496
9 Mercury $1,503
10 Allstate $1,513
11 GEICO $1,529
12 Allied $1,541
13 The Hartford $1,591
14 MetLife $1,638
15 State Farm $1,682
16 Unitrin $1,699
17 Esurance $1,705
18 Bristol West $1,777
19 Travelers $1,842
20 Farmers $2,006
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USAA has some of the lowest car insurance rates in Riverside at around $1,143 each year. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the more affordable Riverside, CA car insurance companies.

As the rates illustrate above, if you currently have coverage with Nationwide and switched to Wawanesa, you might achieve an annual premium reduction of in the vicinity of $32. Drivers with 21st Century may save as much as $157 a year, and Grange insureds might lower prices by up to $252 a year.

To find out how much you can save, click here to start your free quote or quote prices from the following companies.

Understand that those prices are averages across all ages of drivers and types of vehicles and and are not figured with a specific location for teenagers. So the company that has the cheapest price for you may not even be in the top 24 companies shown above. That’s why you need to get quotes using your own individual information.

The make and model of vehicle that needs insurance is one of the largest considerations when shopping around for the most affordable auto insurance for teenagers. Vehicles with economical engines, modern passenger safety features, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models.

The list below shows car insurance costs for the cheapest automobiles to insure in California.

Cheapest Vehicles to Insure in Riverside, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 4WD $4,393
Ford Escape XLT 4WD $4,401
Hyundai Elantra SE Touring Station Wagon $4,661
Toyota Prius $4,703
Ford Explorer XLT 4WD $4,893
Ford F-150 XLT Crew Cab 2WD $4,899
Chevrolet Impala LS $5,121
Ford Edge SEL 2WD $5,129
Toyota RAV4 Sport 2WD $5,161
Chevrolet Equinox LS AWD $5,171
Nissan Altima 2.5 4-Dr Sedan $5,161
Chevrolet Malibu Hybrid $5,171
Chevrolet Silverado LT Extended Cab 4WD $5,161
Dodge Grand Caravan Crew $5,204
Toyota Tacoma Double Cab 4WD $5,209
Toyota Camry SE $5,427
Honda Odyssey EX-L W/Rear Entertainment $5,437
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Cost estimates assume single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific location information which can impact prices significantly.

Based on these rates, we can presume that makes and models like the Honda CR-V, Ford Escape, and Hyundai Elantra are likely to be a few of the cheapest vehicles to insure for teen drivers. The cost of auto insurance will be more costly because of the fact that there is more risk for teenagers, but overall those particular vehicles will probably have the lowest insurance prices available.

One of the many components that help determine the amount you pay for auto insurance is where you choose to live. More densely populated places are more likely to have higher rates, whereas areas that tend to be more rural benefit from lower rates.

The next table sorts the most expensive places in California for teenagers to buy car insurance in. Riverside comes in at #14 costing $1,497 on average, which is approximately $125 per month.

How much does car insurance cost in Riverside, CA?
Rank City Annual Premium
1 Los Angeles $2,146
2 Glendale $2,079
3 Oakland $1,738
4 San Francisco $1,693
5 Sacramento $1,669
6 Long Beach $1,610
7 Fontana $1,581
8 San Bernardino $1,580
9 Santa Clarita $1,548
10 Stockton $1,541
11 Garden Grove $1,524
12 Fresno $1,517
13 Modesto $1,502
14 Riverside $1,497
15 Moreno Valley $1,491
16 Santa Ana $1,439
17 Anaheim $1,430
18 San Jose $1,423
19 Bakersfield $1,394
20 Huntington Beach $1,374
21 San Diego $1,368
22 Fremont $1,348
23 Irvine $1,330
24 Oxnard $1,318
25 Chula Vista $1,298
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Table data uses comparative as the specific area where the vehicle is garaged can increase or decrease insurance rates greatly.

Types of discounts on Riverside insurance

Discounts on insurance for teenagersInsurance providers that sell policies for teenagers may also offer premium discounts that can lower rates by as much as 25% or more if you qualify for them. Companies and a partial list of their discounts are shown below.

The example below shows the difference between insurance premiums with and without discounts applied to the premium. The price estimates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with paperless filing, vehicle safety, anti-theft, paid-in-full, good student, and passive restraint discounts applied. With discounts applied, theaverage amount saved on insurance for teenagers is 28% or $1,070.

Picking a good quality insurer is difficult considering how many choices drivers have in California. The company ratings shown next can help you decide which coverage providers to look at comparing rates with.

These ratings are for the largest companies in America, so companies with more of a regional focus are not included in these rankings. If you’d like to compare prices from these and other companies in California, simply click here.

Top 10 Large Auto Insurers 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

Bad driving habits will cost you more

The easiest way to get low insurance rates in California for teen drivers is to be a safe driver and avoid tickets and accidents. The example below shows how speeding tickets and at-fault fender-benders can raise annual premium costs for each age group. The price estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,935. Get one speeding ticket and the average cost hikes up to $3,330, an increase of $394 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for teenagers jumps again to an average of $4,446. That’s an increase of $1,511, or $126 per month, just for not paying attention while driving!

If you prefer to have a little guidance when shopping for the best coverage for teenagers, the insurance agencies listed below can probably aid you in deciding which is the best policy.

To find an auto insurance agency in your neighborhood, click the button at the bottom or click here to compare price quotes.

More insurance agents in Riverside, CA

How to find economical insurance for teenagers

The list below summarizes many money-saving solutions that can help you buy lower-cost coverage.

The last item on the list is particularly significant, as we stressed in the prior article. Auto insurance rates can change significantly in a year, so drivers shouldn’t be reluctant to buy a policy from a new company if a better deal can be had.

Many drivers tend to have loyalty to a certain company, but it’s not recommended if that dedication is costing major coinage every year. It takes less than five minutes to compare rates to find cheaper car insurance for teenagers in Riverside.