Who Has the Cheapest Riverside Car Insurance for Immigrants?

You’ve seen the catchy commercials from car insurance companies like Liberty Mutual and Nationwide that claim enormous savings. So you should just choose the one with the flashiest ad, right?

It’s not that easy, however, as there are many unknown elements like how many years you have been driving, any driving violations you may have, what coverage limits you need, and the safety ratings of your vehicle. Car insurance is kind of a dry topic, but this article will explain these things and also should give you a solid foundation to find cheaper car insurance in Riverside.

One of the many things that help determine the cost of insurance is your address. Cities with more crime and/or more people will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.

The table below lists the most expensive areas in California for immigrants to purchase auto insurance in. Riverside shows up at #14 with the annual price of $1,497 for the average policy, which is approximately $125 monthly.

How much is auto insurance in Riverside, CA?
Rank City Premium Per Year
1 Los Angeles $2,168
2 Glendale $2,121
3 San Francisco $1,711
4 Oakland $1,704
5 Sacramento $1,703
6 San Bernardino $1,644
7 Stockton $1,603
8 Long Beach $1,578
9 Santa Clarita $1,548
10 Moreno Valley $1,536
11 Modesto $1,532
12 Fontana $1,519
13 Garden Grove $1,508
14 Riverside $1,497
15 Santa Ana $1,483
16 Anaheim $1,474
17 Fresno $1,457
18 San Jose $1,423
19 Huntington Beach $1,416
20 Fremont $1,361
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Rate quotes are comparative as the garaging address in Riverside can lower or raise prices considerably.

The vehicle model you are seeking coverage for is probably the largest consideration that determines whether or not you find the most affordable car insurance for immigrants. Vehicles with lower performance, a great safety record, or a positive history of liability claims will cost less to insure than adrenaline junky models.

The data below shows coverage rates for a number of the cheapest vehicles to buy coverage for.

Cheapest Vehicles to Insure in Riverside, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $1,053
Ford Edge SE 2WD $1,158
Honda Accord EX 4-Dr Sedan $1,207
Chevrolet Impala LS $1,223
Toyota RAV4 Limited 4WD $1,246
Dodge Grand Caravan Crew $1,270
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,291
Ford Escape XLT 2WD $1,296
Toyota Camry XLE $1,312
Honda Odyssey LX $1,328
Toyota Prius $1,335
Jeep Grand Cherokee Limited 4WD $1,340
Ford Explorer XLT 2WD $1,353
Dodge Ram 3500 Crew Cab ST 2WD $1,384
Ford Focus SES 2-Dr Coupe $1,402
Toyota Tacoma Double Cab 4WD $1,456
Chevrolet Malibu LT $1,466
Hyundai Elantra SE 4-Dr Sedan $1,503
Volkswagen Jetta SEL 4-Dr Sedan $1,530
Nissan Altima Hybrid 4-Dr Sedan $1,539
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in specific location information which can increase or decrease auto insurance rates greatly.

Looking at the rates, you can presume that vehicles like the Honda CR-V, Ford Edge, Honda Accord, Chevrolet Impala, and Toyota RAV4 are most likely going to be a few of the less-costly vehicles to insure for foreigners.

Car insurance rates are higher with tickets and accidents

The easiest way to get affordable car insurance premiums for foreigners is to drive cautiously and avoid tickets and accidents. The information below demonstrates how speeding tickets and at-fault fender-benders can impact insurance rates for different categories of driver ages. The information is based on a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.

In the chart above, the average cost of car insurance per year with no violations or accidents is $2,396. Get one speeding ticket and the average cost surges to $2,757, an increase of $361 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of car insurance for immigrants increases to an average of $5,980. That’s an increase of $3,584, or $299 per month, just for not driving safely!

Car insurance company ratings

Finding a highly-rated insurance provider can be a challenge considering how many different companies insure vehicles in California. The company rank data displayed below could help you pick which providers you want to consider purchasing from.

The rankings below include the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not factored into the list. To get rate quotes and find the cheapest rates for immigrants, just click here.

Top Car Insurance Companies for Immigrants in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

How to find cheaper insurance for immigrants

The list below summarizes many money-saving solutions that can help Riverside drivers quote cheaper coverage.

That last idea is extremely necessary, as was discussed in the prior article. Rates can change considerably based on profitability, so don’t be tentative to switch to a new company if a better rate can be found. Brand loyalty is great, but it’s not a good idea if that inflexibility results in costing you several hundred dollars every year. Now is a great time to shop around to find cheaper car insurance for immigrants in Riverside.

If you have questions and prefer to have some advice when shopping for cheaper insurance for immigrants, the insurance agencies below can help you make a decision which insurance coverage you need.

To find an auto insurance agency nearest to you, click the button below the list or click here to get price quotes now.

Maria Abrigo – State Farm Insurance Agent
7000 Indiana Ave #113Riverside, CA 92506(951) 782-8450

Adriana’s Insurance Services
6200 Van Buren Boulevard #105Riverside, CA 92503(951) 710-1100

Nationwide Insurance: EG Insurance Agency Inc
11728 Magnolia Ave Suite BRiverside, CA 92503(951) 202-1871

Jean Sullivan – State Farm Insurance Agent
6511 Brockton AveRiverside, CA 92506(951) 683-3131

Farmers Insurance: Leonor Rivera
3645 Van Buren BoulevardRiverside, CA 92503(951) 352-5050

More Riverside, CA insurance agents