Finding good, cheap car insurance is not always easy, and determining which companies offer the cheapest auto insurance rates for infrequent drivers involves more quotes for comparison. Each insurance company has a different formula for determining prices, so we’ll go over the most budget-friendly auto insurance companies in California.
It’s important that readers know that Riverside, CA auto insurance rates are calculated based on many things that may substantially change your annual premium. Improving your credit score, moving to a different location, or having an at-fault accident can trigger price changes resulting in some rates now being more affordable than before.
Lowest Insurance Price Quotes in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,542 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,699 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,966 |
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USAA has some of the lowest car insurance rates in Riverside at around $1,109 per year. This is $542 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the most economical Riverside, CA car insurance companies.
As shown in the rates above, if you are a policyholder with Wawanesa and switched to USAA, you might realize a yearly savings of in the neighborhood of $37. Drivers with Century National may save as much as $69 a year, and CSAA customers might realize rate reductions of up to $89 a year.
To find out how your current rates compare, click here to begin a quote or quote prices from the following companies.
These rates are averaged across all types of insureds and vehicles and and are not figured with an exact zip code location for infrequent drivers. So the car insurance company that has the cheapest rates for you may not even be in the top 24 companies shown above. That’s why you need to compare as many prices as possible using your own driver and vehicle profiles.
One of the many things that are used to help calculate car insurance rates is where you live. Larger areas will most likely pay more, whereas less populated areas can boast about having cheaper rates.
The following table shows the most expensive areas in California for infrequent drivers in which to purchase auto insurance. Riverside comes in at #12 with an annual rate of $1,527 on average, which is approximately $127 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Santa Clarita | $1,595 |
| 8 | Long Beach | $1,578 |
| 9 | Stockton | $1,556 |
| 10 | Garden Grove | $1,554 |
| 11 | Modesto | $1,547 |
| 12 | Riverside | $1,527 |
| 13 | Fontana | $1,519 |
| 14 | Fresno | $1,517 |
| 15 | Moreno Valley | $1,506 |
| 16 | Anaheim | $1,488 |
| 17 | Santa Ana | $1,483 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,403 |
| 20 | Huntington Beach | $1,374 |
| 21 | Irvine | $1,371 |
| 22 | Bakersfield | $1,353 |
| 23 | Chula Vista | $1,350 |
| 24 | San Diego | $1,340 |
| 25 | Oxnard | $1,304 |
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Premium costs are approximated as the specific garaging location can revise auto insurance rates significantly.
Get discounts on Riverside auto insurance rates
Auto insurance companies that offer coverage for infrequent drivers may also provide policy discounts that could potentially reduce rates by as much as 30% if you are eligible. A few of the larger companies and a partial list of their discounts are included below.
- State Farm offers discounts including accident-free, anti-theft, multiple autos, defensive driving training, multiple policy, and student away at school.
- Progressive offers discounts for multi-vehicle, continuous coverage, good student, online quote discount, multi-policy, homeowner, and online signing.
- Travelers discounts include multi-car, early quote, home ownership, hybrid/electric vehicle, student away at school, new car, and multi-policy.
- American Family has savings for multi-vehicle, early bird, air bags, good student, mySafetyValet, good driver, and Steer into Savings.
- Liberty Mutual includes discounts for new vehicle discount, teen driver discount, multi-car, newly retired, new move discount, and new graduate.
The information below compares insurance prices with and without discounts. The data assumes a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, anti-theft, vehicle safety, homeowner, multiple policy, and multiple vehicle discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for infrequent drivers is 28% or $549.
Difference between full coverage and liability only rates
Buying cheaper auto insurance is important to most vehicle owners, and an easy way to find cheaper insurance for infrequent drivers is to only buy liability insurance. The information below compares insurance costs with liability coverage only compared to full coverage. The premiums assume no violations or accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Averaged out for all age groups, physical damage coverage on your policy costs $3,444 per year more than just insuring for liability. At some point, about every driver wonders if paying for full coverage is a waste of money. There is no specific rule that works best for making the decision to drop full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
Why you should be comparing rates
Riverside auto insurance rates are calculated based on many things that can increase the policy premium. Simply having a birthday, getting divorced, or getting a couple of tickets may prompt premium changes that may make certain companies more affordable than before.
Not only may things change on your end, but car insurance companies file new California auto insurance rates as often as every quarter as an adjustment for underwriting gains or losses. A period of increased losses can cause higher priced premiums, while less frequent claims may cause more affordable Riverside car insurance rates.
The bar chart below shows rates for the cheapest car insurance in Riverside, CA for a 35-year-old male driver with no violations or accidents, and a decent credit rating. If we estimate prices based on his current risk factors, USAA has the lowest car insurance rates in Riverside at $1,325 each year. This is $326 less than the average premium paid by California drivers of $1,651. CSAA, Wawanesa, Nationwide, and Century National are the remaining top five cheapest Riverside, CA auto insurance companies.
Let’s now give the driver from the above example a chargeable accident, slightly worse credit, and a stop sign violation. Due to the fact that each insurance company has their own unique process for setting rates, comparing prices may now present a significantly different list of cheap Riverside auto insurance companies as shown below.
Grange now has the lowest price on auto insurance in Riverside with Allstate, Mercury, Progressive, and The Hartford now rounding out the top five. This example shows why it is critical to perform an extensive rate comparison to find the most economical auto insurance rates for infrequent drivers.
Insurance prices can be altered by many risk factors and can change substantially, so the lowest-price company three years ago may now be quite expensive.
The Riverside car insurance agencies listed below are a good start to answer your questions and help you decide which car insurance company is the best fit, since some people have coverage questions and would like to have professional advice when shopping around for cheaper insurance for low mileage drivers. It can be complicated to find the best policy on your own, and getting advice from a licensed California insurance agent can bring comfort knowing you have enough protection.
To locate a Riverside insurance agent nearest to you, click the link at the bottom.
- Strong Tie Insurance Services
1766 University Ave # 104 – Riverside, CA 92507 – (951) 682-1200 - Farmers Insurance: Edward Lavalle
19318 Jesse Ln Ste 200 – Riverside, CA 92508 – (951) 222-3038 - Dashers Insurance Riverside
10066 Magnolia Ave – Riverside, CA 92503 – (951) 689-2445 - Melendez Insurance Agency
3595 Van Buren Boulevard #201 – Riverside, CA 92503 – (951) 687-9152 - Gary Echito – State Farm Insurance Agent
3239 Chicago Ave – Riverside, CA 92507 – (951) 684-8450