One of the more important components that are looked at to help calculate insurance cost is where you live. Regions with more people or even just more weather-related claims tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.
The illustration below sorts the highest-priced places in California for drivers with a bad driving record to purchase auto insurance in. Riverside ranks #16 with an annual premium of $1,497 for the average insurance policy, which is approximately $125 monthly.
|Rank||City||Average Per Year|
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Rates are approximated as specific Riverside garaging address can impact auto insurance rates greatly.
The make and model of vehicle that is being insured is a large factor in finding cheaper auto insurance for drivers with a bad driving record. Vehicles with high performance, poor passenger safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models.
The table below illustrates auto insurance premiums for the most budget-friendly vehicles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra SE Touring Station Wagon||$3,912|
|Honda CR-V LX 4WD||$3,942|
|Honda Accord EX-L 4-Dr Sedan||$4,101|
|Ford Escape Limited 4WD||$4,108|
|Volkswagen Jetta S 4-Dr Sedan||$4,351|
|Toyota RAV4 Limited 4WD||$4,356|
|Ford Explorer Eddie Bauer AWD||$4,392|
|Honda Odyssey EX-L W/Rear Entertainment||$4,546|
|Toyota Camry XLE||$4,556|
|Ford Edge Sport 2WD||$4,546|
|Chevrolet Impala LT||$4,555|
|Jeep Grand Cherokee Limited 2WD||$4,587|
|Dodge Grand Caravan Crew||$4,601|
|Chevrolet Malibu LT||$4,609|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$4,631|
|Chevrolet Equinox LT AWD||$4,665|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$4,715|
|GMC Sierra SLE Crew Cab 2WD||$4,807|
|Ford Fusion Sport 4-Dr Sedan||$4,812|
|Nissan Altima Hybrid 4-Dr Sedan||$4,807|
|Ford Focus SEL 4-Dr Sedan||$4,830|
|Ford F-150 Lariat Crew Cab Platinum 4WD||$4,851|
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Data based on single female driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in garaging location in Riverside, CA which can raise or lower rates considerably.
Based upon the rates shown, we can tell that models like the Hyundai Elantra, Honda CR-V, Toyota Prius, Honda Accord, and Ford Escape are most likely to be some of the most affordable vehicles to insure for bad drivers. The price for car insurance will tend to be more expensive because of the fact that there is more liability risk for drivers with a bad driving record, but overall those models will have the cheapest auto insurance rates compared to other types of vehicles.
The information below highlights how deductible selection can raise or lower insurance prices when trying to find cheap insurance for drivers with a bad driving record. The information is based on a single female driver, comp and collision included, and no discounts are taken into consideration.
A 30-year-old driver could cut expenses by $544 a year by increasing from a $100 deductible to a $500 deductible, or save $816 by selecting a $1,000 deductible. Even younger insureds, like the age 20 example, could shave up to $1,216 annually by choosing larger deductibles on their policy. If you do decide to increase your deductibles, it will be required to have emergency funds available to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
How to get discounts on Riverside auto insurance rates
Car insurance companies that offer coverage for drivers with a bad driving record may also give you price discounts that may potentially lower prices by 25% or more if you meet certain criteria. Large car insurance companies and their possible discounts are outlined below.
- The Hartford includes discounts for driver training, defensive driver, vehicle fuel type, bundle, and air bag.
- American Family has discounts for mySafetyValet, Steer into Savings, multi-vehicle, accident-free, bundled insurance, defensive driver, and good driver.
- Progressive may offer discounts for continuous coverage, good student, online signing, online quote discount, multi-policy, and multi-vehicle.
- Travelers has savings for hybrid/electric vehicle, good student, continuous insurance, multi-policy, home ownership, and new car.
- Farmers Insurance may have discounts that include bundle discounts, good student, mature driver, alternative fuel, electronic funds transfer, and pay in full.
- USAA may include discounts for family discount, driver training, military installation, new vehicle, safe driver, annual mileage, and loyalty savings.
- Liberty Mutual offers discounts for newly retired, new move discount, multi-policy, safety features, and newly married.
The diagram below compares car insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, two violations and one at-fault accident, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, anti-theft, paperless filing, marriage, homeowner, and multiple vehicle discounts applied. In this example, the average savings per year on car insurance for drivers with a bad driving record is 28% or $929.
How to find more affordable auto insurance for drivers with a bad driving record
Lowering your rates is not difficult, and here are some of the recommended penny-pinching solutions that can help Riverside drivers get more affordable car insurance.
- Do not get into accidents
- Pay lower rates with good credit
- Buy vehicles with good safety ratings
- Raise your physical damage coverage deductibles
- Save money by only buying liability coverage for older vehicles
- Keep your driving record clean
- Look for cheaper rates once a year by shopping around
That last piece of advice is very valuable, as we discussed in the prior information. Rates go up and down frequently, so don’t be afraid to buy from a different company if a lower-cost policy is available.
Many drivers prefer to stick with one company, but it’s not a great idea if that stubbornness costs you a lot of money. It only take a few minutes to compare rates and find cheaper auto insurance for drivers with a bad driving record in Riverside.
If you prefer to get help from a professional when shopping for the best coverage for drivers with a bad driving record, the agents shown below are willing to provide answers to your questions and help you determine which coverage fits your budget.
To find a Riverside insurance agent using an interactive map, click the link at the bottom.
Farmers Insurance: Asif Sial
6325 Rutland Ave – Riverside, CA 92503 – (951) 527-5050
Allstate Insurance: Cynthia MC Ghee
6710 Magnolia Ave – Riverside, CA 92506 – (951) 369-8850
Allstate Insurance: Kenneth Munaretto
3271 Arlington Ave – Riverside, CA 92506 – (951) 369-0277
Allstate Insurance: Rose Smith
4270 Riverwalk Pkwy #110 – Riverside, CA 92505 – (951) 549-3900
Riverside Insurance Agency Inc.
#B, 125 W La Cadena Dr – Riverside, CA 92501 – (951) 684-3500