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.
| 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.
| 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.
| 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 |
| Compare Rates Now Go | ||||||
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.
- Better credit scores save money
- Do not get traffic tickets
- At-fault accidents can raise rates significantly
- Vehicles with good safety ratings have lower liability rates
- On older vehicles, drop full coverage
- Increase your physical damage deductibles
- Comparison shop at least every other year
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 #113 – Riverside, CA 92506 – (951) 782-8450
Adriana’s Insurance Services
6200 Van Buren Boulevard #105 – Riverside, CA 92503 – (951) 710-1100
Nationwide Insurance: EG Insurance Agency Inc
11728 Magnolia Ave Suite B – Riverside, CA 92503 – (951) 202-1871
Jean Sullivan – State Farm Insurance Agent
6511 Brockton Ave – Riverside, CA 92506 – (951) 683-3131
Farmers Insurance: Leonor Rivera
3645 Van Buren Boulevard – Riverside, CA 92503 – (951) 352-5050