Who Has the Cheapest Car Insurance Rates for Drivers with Accidents in Riverside?

You have most likely seen the captivating ads from companies like Farmers, The General, and State Farm that guarantee the cheapest price. So drivers should just select the one with the best jingle, right?

It’s not that simple, unfortunately, as there are many unknown elements like the annual mileage you drive, if you currently have coverage, the safety features built into your vehicle, and if you have a spouse, that all impact the price you pay. We will try to cover the types of situations that result in high rates and also should give you a good start in finding the cheapest car insurance.

For drivers with at-fault accidents, one of the largest components that are used to help calculate insurance cost is where you live. Regions with more people or even just more weather-related claims are more likely to pay higher prices, whereas areas with less crime or weather claims tend to receive cheaper rates.

The table below ranks the priciest cities in California for drivers with accidents to purchase car insurance in. Riverside is ranked #10 with the annual price of $1,527 for the average policy, which is approximately $127 per month.

Car insurance prices in Riverside
Rank City Annual Rate
1 Los Angeles $2,168
2 Glendale $2,058
3 San Francisco $1,693
4 Oakland $1,687
5 Sacramento $1,652
6 Long Beach $1,610
7 San Bernardino $1,596
8 Santa Clarita $1,595
9 Stockton $1,588
10 Riverside $1,527
11 Garden Grove $1,524
12 Fontana $1,519
13 Moreno Valley $1,506
14 Modesto $1,502
15 Anaheim $1,488
16 Fresno $1,457
17 Santa Ana $1,439
18 Huntington Beach $1,402
19 San Jose $1,395
20 Bakersfield $1,394
21 Fremont $1,389
22 San Diego $1,381
23 Oxnard $1,344
24 Irvine $1,343
25 Chula Vista $1,337
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Premium costs are comparative as the specific zip code location can influence premiums considerably.

The type of vehicle that needs insurance is probably the most important factor when quoting cheap car insurance for drivers with accidents. Vehicles with average performance, advanced safety features, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models. The next list showcases coverage costs for a selection of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Riverside, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $2,707
Honda Accord EX-L 4-Dr Sedan $2,716
Ford Escape XLT 4WD $2,844
Jeep Wrangler Sport 4WD 2-Dr $2,940
Chevrolet Malibu LS $3,000
Volkswagen Jetta LE 4-Dr Sedan $3,006
Jeep Grand Cherokee Laredo 4WD $3,000
Toyota RAV4 Limited 2WD $3,005
Dodge Grand Caravan Crew $3,033
Toyota Prius $3,056
Ford F-150 XLT Super Cab 2WD $3,152
Ford Explorer XLT 2WD $3,159
Hyundai Elantra GLS 4-Dr Sedan $3,154
GMC Sierra SLE Regular Cab 2WD $3,208
Toyota Tacoma Double Cab TRD Sport Package 4WD $3,243
Chevrolet Silverado LS Extended Cab 2WD $3,245
Hyundai Sonata GLS 4-Dr Sedan $3,251
Chevrolet Equinox LS AWD $3,324
Chevrolet Impala LT $3,330
Ford Edge Limited AWD $3,373
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Data variables include single female driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Information does not factor in garaging location in Riverside, CA which can impact rates considerably.

Based upon these rates, we can presume that vehicles like the Honda CR-V, Honda Accord, Ford Escape, Jeep Wrangler, and Chevrolet Malibu are most likely going to be the cheapest vehicles to insure for drivers with at-fault accidents. The cost of a car insurance policy will tend to be higher because there is more exposure for drivers with accidents, but generally speaking those particular vehicles will have the least expensive rates compared to other types of vehicles.

Insurance rates are higher with tickets and accidents

The ideal way to receive the cheapest insurance rates in Riverside for drivers with at-fault accidents is to drive cautiously and avoid accidents and keep your driving record clean. The chart below illustrates how traffic citations and at-fault claims can impact insurance premiums for different age groups. The price estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

In the example above, the average cost of a car insurance policy per year with a clean driving record and no accidents is $3,093. Get one speeding ticket and the average cost hikes up to $3,488, an increase of $395 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of insurance for drivers with accidents increases to an average of $4,604. That’s an increase of $1,511, or $126 per month, just for not driving safely!

California insurance companies ranked

Picking the right car insurance provider is difficult considering how many companies there are in Riverside. The company information displayed below could help you analyze which auto insurance companies to look at when shopping car insurance rates for drivers with accidents. These rankings include major nationwide insurance companies, so companies with more of a regional focus are not factored into these rankings.

Top 10 Major Car Insurance Companies in Riverside Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Top 10 Major Car Insurance Companies 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

Are you paying too much for car insurance in Riverside?

Riverside insurance rates are determined by lots of factors that will increase or decrease the price of coverage. Simply improving your credit, filing a claim, or getting caught speeding can trigger rate changes that can make some companies cheaper than before.

In addition, car insurance companies amend premium rates as often as every quarter to ensure their profitability. Heavy losses may cause higher rates, while less frequent claims can result in cheaper Riverside car insurance rates.

To illustrate this example, the bar chart below shows the company with the cheapest car insurance in Riverside, CA for a 35-year-old female driver with no prior accidents, a clean driving record, and a high credit rating. If we compare prices based on her personal profile, USAA offers the lowest car insurance rates in Riverside at $1,292 each year. This is $359 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the top five cheapest Riverside, CA auto insurance companies.

Now let’s give the driver in the first chart an accident surcharge, a lower credit rating, and a blemish on her driving record. Because every insurance company uses their own method for determining prices, getting updated rate quotes may now result in a completely different list of the cheapest car insurance companies in Riverside as shown below.

Grange now has the lowest price in Riverside, CA with Mercury, Allstate, Progressive, and GEICO now rounding out the top five. This demonstrates why it is important to do a thorough rate comparison to find the lowest car insurance rates for drivers with accidents.

Insurance rates can be determined by many things and change substantially, so the best price when you bought your policy may now be quite expensive.

If you aren’t sure which coverage you need and prefer to have some advice when shopping around for cheaper insurance for drivers with at-fault accidents, the agents shown below can help you make a decision which coverage meets your needs best. To find a Riverside insurance agency using an interactive map, click the button at the bottom.

Find a Riverside, CA insurance agent near you