Who Has the Cheapest Auto Insurance for Drivers with a Bad Driving Record in Riverside?

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.

How much does auto insurance cost in Riverside?
Rank City Average Per Year
1 Los Angeles $2,146
2 Glendale $2,121
3 San Francisco $1,763
4 Sacramento $1,720
5 Oakland $1,704
6 Stockton $1,603
7 San Bernardino $1,596
8 Santa Clarita $1,580
9 Long Beach $1,578
10 Garden Grove $1,524
11 Fontana $1,519
12 Fresno $1,517
13 Moreno Valley $1,506
14 Modesto $1,502
15 Santa Ana $1,497
16 Riverside $1,497
17 Anaheim $1,488
18 San Jose $1,381
19 Huntington Beach $1,374
20 Fremont $1,361
21 Bakersfield $1,353
22 Oxnard $1,344
23 Chula Vista $1,337
24 Irvine $1,330
25 San Diego $1,327
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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.

Cheapest Vehicles to Insure in Riverside, CA
Vehicle Estimated Cost for Full Coverage
Hyundai Elantra SE Touring Station Wagon $3,912
Honda CR-V LX 4WD $3,942
Toyota Prius $3,954
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

Cheaper Riverside, CA car insurance for bad driversCar 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 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.

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 AveRiverside, CA 92503(951) 527-5050

Allstate Insurance: Cynthia MC Ghee
6710 Magnolia AveRiverside, CA 92506(951) 369-8850

Allstate Insurance: Kenneth Munaretto
3271 Arlington AveRiverside, CA 92506(951) 369-0277

Allstate Insurance: Rose Smith
4270 Riverwalk Pkwy #110Riverside, CA 92505(951) 549-3900

Riverside Insurance Agency Inc.
#B, 125 W La Cadena DrRiverside, CA 92501(951) 684-3500

View more Riverside, CA insurance agencies