Car Insurance in Riverside
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Car Insurance in Riverside, CA
Whether you're splashing around at the Cove, hiking from the Mount Rubidoux trailhead, or snoozing in the library at UC Riverside, chances are good you'll have to drive to get home. California legally requires drivers to maintain a minimum level of car insurance coverage. So, comparing car insurance quotes to get the best price is a good idea.
Driving in Riverside is similar to driving in most of California's big in-land cities like Sacramento or Bakersfield. Riverside is the twelfth-largest city in the state, making it the smallest of the three mentioned. Like those other cities, Riverside's location and agriculture industry ensure there are always 18-wheelers on their roads. To help alleviate the traffic congestion, they've introduced trucking routes. Similarly, if you have the minimum amount of coverage required by California, you're good to drive in Riverside.
The cost of car insurance in Riverside will vary based on factors like your age, driving history, criminal record, and location. The city or even zip code you live in can affect your rates. This site can help you compare quotes to find the best rate.
How much is car insurance in Riverside, CA?
The overall expense of car insurance in Riverside largely depends on the coverage options you're interested in. To provide a general idea of what you might pay, below are the average costs for the three most popular types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Riverside?
Evaluating and comparing the insurance costs for each possible car make, model, and year within the city can be a complex task. Nevertheless, if you're interested in identifying which recent models generally offer more cost-effective insurance, take a look at these top 10 most budget-friendly car makes and models in Riverside:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Dodge Grand Caravan | $168 |
| 2 | Subaru Forester | $175 |
| 3 | Honda Cr-V | $177 |
| 4 | Honda Odyssey | $184 |
| 5 | Kia Sedona | $186 |
| 6 | Toyota Rav4 | $186 |
| 7 | Toyota Corolla | $189 |
| 8 | Kia Sol | $190 |
| 9 | Ford F-150 | $193 |
| 10 | Jeep Cherokee | $195 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving history plays a critical role in determining your car insurance premiums. Various driving incidents, including minor collisions, major accidents, speeding tickets, DUIs, or hit-and-run occurrences, can affect your insurance rates in the city. Here's a view of how common claims and violations can change your rates in Riverside, listed from the least impactful to the most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| No Claims or Violations | $186 | - |
| Not at-fault Accident | $186 | 0% |
| Driving with expired registration | $272 | +46% |
| Speeding Ticket | $272 | +46% |
| At-fault Accident | $324 | +74% |
| Driving with a suspended license | $453 | +144% |
| Hit and Run | $486 | +161% |
| DUI | $500 | +169% |
What car insurance discounts can I get in Riverside?
In Riverside, there are numerous discounts available to help reduce the cost of your insurance. These include bundling policies, paying your entire premium upfront, switching to paperless billing, and securing renewal discounts, among others. Below, you will find a list of these discounts ranked from the greatest to the least in terms of savings potential, offering you a clear view of the opportunities to lower your expenses:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Low Mileage | $138 | +$48 |
| Multi-Policy Home | $165 | +$21 |
| Multi-Policy Renters | $177 | +$9 |
| Renewal discount | $180 | +$6 |
| Paperless | $186 | $0 |
| Paid in Full | $186 | $0 |
| Electronic Funds Transfer | $186 | $0 |
| None | $186 | - |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.