Riverside, CA Car Insurance
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By Sandra Cruz | Updated March 9, 2021
The average monthly car insurance cost in Riverside is $162. However, the drivers' location, marital status, gender, and age are considered by insurers when providing a specific quote. Thus, prices typically vary based on your driving profile.
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How Much Does Car Insurance in Riverside Cost on Average?
The average annual car insurance premium in Riverside is $1,945. It is more expensive than the California statewide average of $1,864 and the nation's average of $1,559. If you live in Riverside, your unique driving profile will influence your overall car insurance rate. Therefore, it is best to compare multiple car insurance companies to find the best deal that fits your driving needs.
Riverside Car Insurance Rates by Companies with Most Affordable Coverage
Identifying the most fitting car insurance company for your driving profile can help you save $600 or more annually. Looking for the cheapest company may not always be a viable option if you reside in locations where theft, crime, and other potential driving hazards are common. Additionally, if you have been in an at-fault accident in the past, it will lead to a significant increase in your policy rates. If you have a clean driving history, it is likely for your insurance company to give you reasonable rates that could be comparable or even lower than the average auto insurance rates in Riverside. GEICO offers the cheapest car insurance rates around Riverside, CA by $187 annually.
Riverside Cheapest Car Insurance Rates By Company
| Company Name | Monthly Rate | Yearly Rate |
|---|---|---|
| GEICO | $108 | $1,298 |
| Mercury | $123 | $1,485 |
| AAA | $142 | $1,710 |
| Infinity | $156 | $1,875 |
| Allstate | $178 | $2,140 |
Riverside Car Insurance Rates by Age Group
Age is another factor that car insurance companies in Riverside use to determine auto insurance rates. Riverside drivers in their thirties to sixties pay cheaper premiums compared to drivers ages seventy and above. However, teenage drivers in Riverside pay the highest rates because they are considered higher risk drivers. Teenagers will be given a substantial rate decrease on their 20th birthday and again on their 25th birthday.
Riverside Car Insurance Rates by Age Group
| Age Group | Monthly Rate | Annual Rate |
|---|---|---|
| Teenagers | $597 | $7,168 |
| 20s | $239 | $2,877 |
| 30s | $157 | $1,892 |
| 40s | $152 | $1,830 |
| 50s | $145 | $1,747 |
| 60s | $144 | $1,739 |
| 70s | $154 | $2,016 |
Riverside Car Insurance Rates by Marital Status and Gender
Marital status and gender also influence car insurance rates in Riverside, CA. Married and widowed drivers pay lower premiums in comparison to single drivers. Married individuals are considered responsible drivers and more financially stable than single drivers. Thus, married drivers in Riverside pay more affordable car insurance rates.
Gender is another aspect that affects car insurance quotes. Male drivers in Riverside pay $3 less in their premiums than females.
Riverside Auto Insurance Rates by Marital Status and Gender
| Gender | Monthly Rate | Yearly Rate |
|---|---|---|
| Female | $162 | $1,948 |
| Male | $161 | $1,945 |
| Marital Status | Monthly Rate | Yearly Rate |
|---|---|---|
| Single | $155 | $1,867 |
| Married | $155 | $1,867 |
| Divorced | $162 | $1,945 |
| Widowed | $157 | $1,892 |
Riverside Car Insurance Rates by Violation and Driving History
Riverside car insurance companies account for your driving record when providing you with a specific quote. If you receive citations for driving recklessly or speeding in Riverside, your insurance premium will increase.
Expect an average increase of $3,315 on your annual premium if you are caught driving irresponsibly, as well as an additional $791 for speeding tickets. As for DWI or DUI violators, an additional fee of $3,219 will be added to your annual rate. Therefore, it is vital to keep a clean driving history to access more affordable car insurance rates in Riverside.
Riverside Car Insurance Rates by Violation Record
| Violation | Monthly Rate | Annual Rate |
|---|---|---|
| DWI/DUI | $430 | $5,164 |
| Reckless Driving | $438 | $5,260 |
| At-Fault Accident (damages < $1000) | $162 | $1,953 |
| At-Fault Accident (damages > $2000) | $284 | $3,416 |
| Speeding Ticket (over 16-20 mph over speeding limit) | $228 | $2,736 |
Riverside Car Insurance Rates by Credit Score
The credit tier for divers in Riverside is not factored in when determining car insurance rates. Credit level as a basis is considered discriminatory by lawmakers in California; hence, it is not used by insurers when providing quotes.
Riverside Auto Insurance Rates by Credit Level
| Credit Level | Monthly Rate | Annual Rate |
|---|---|---|
| Very Poor | $162 | $1,945 |
| Fair | $162 | $1,945 |
| Good | $162 | $1,945 |
| Very Good | $162 | $1,945 |
| Exceptional | $162 | $1,945 |
Riverside Car Insurance Rates by Location
Location is another factor that influences your overall auto insurance rates. If you reside in areas considered high-risk, there is a big possibility your car insurance rate will increase. Areas in Riverside prone to accidents, theft, crimes, and uninsured motorists have higher car insurance rates by 13% ($178) compared to areas that are considered lower risk in Riverside.
Riverside Auto Insurance Rates by Location
| Riverside ZIP Codes with Expensive Rates | Riverside ZIP Codes with Cheaper Rates |
|---|---|
| 92503 | 92506 |
| 92501 | 92508 |
| 92505 | 92518 |
| 92521 | 92507 |
| 92522 | 92509 |
Riverside, CA Driving and Weather Conditions
Weather conditions can cause car accidents in Riverside. Many drivers experience wet brakes, slick roads, low-visibility, and other driving hazards due to weather. An average of 710,000 weather-related accidents take place around the state annually. Additionally, Riverside experiences 30 rainy days a year, as well as occasional wildfires and earthquakes. These hazardous weather induced driving conditions are one of the reasons for car accidents in the city.
List of Car Insurance Companies in Riverside
Riverside Car Insurance: FAQs
Do car insurance companies in Riverside cover special car seat installation?
It usually depends on the kind of coverage you have. There are car insurance companies in Riverside that offer discounts for installing safety equipment in your vehicle.
I have recently been in a not-at-fault accident in Riverside, and I wonder how it would appear on my driver profile?
Typically, if you are not-at-fault in the accident, insurance companies will reflect it on your driving record as a claim paid under “not-at-fault.†Thus, it will not affect your rates in the future.
Is it possible to get insurance for a car in Riverside that is being paid for by someone else?
If the vehicle is under your name even though it’s being financed by someone else, it is okay for you to insure it.
I want to add a vehicle to my existing policy in Riverside. Is there a need for me to get a new policy?
Adding a vehicle or even a driver to your existing policy will not require you to purchase a separate policy. You can call an agent regarding the additional coverage you want, and they will be the one to reflect it on your policy, including the additional cost.
Am I allowed to cancel or add insurance coverage in the middle of the term of my policy in Riverside?
Yes, you can cancel or add coverage in the middle of the term of your policy, but there will be additional costs.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.