call

Riverside Car Insurance

How much does car insurance cost in Riverside, CA? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Riverside?

Located about 50 miles east of downtown Los Angeles, Riverside is named for its location beside the Santa Ana River. Riverside was founded in the early 1870s and is the birthplace of the California citrus industry. One of the original navel orange trees planted in 1873 still stands here. The tree was planted by Elizabeth Tibbets and you can find it at the corner of Magnolia Street and Arlington Street.

Riverside is home to the University of California, Riverside, which takes up much of the northeastern part of the city. There are other colleges and universities in the city as well: California Baptist University, La Sierra University, National University and Riverside Community College. Riverside also has a number of vocational schools including Brightwood College, Platt College, American College of Healthcare, US College and Northwest College.

The University of California, Riverside is one of the city’s largest employers. Other large employers include the County of Riverside, Kaiser Permanente, California Baptist University, Riverside Community Hospital and Parkview Community Hospital.

Riverside hosts many city festivals. Each year in February, the literary Riverside Dickens Festival takes place. The Riverside International Film Festival is held in April, and the Festival of the Lights begins in October and lasts through New Year’s Day. The Festival of the Lights is centered around the historic Mission Inn and Spa, the largest Mission Revival style building in the United States.

Cultural sites in Riverside include the Fox Performing Arts Center, Museum of Riverside, which houses exhibits and artifacts of Riverside history, and the California Museum of Photography. The California Citrus State Historic Park is an open air museum in a state park that details the history of the citrus industry in Southern California. For garden lovers, the University of Riverside Botanical Gardens contains 40 acres of unusual plants with four miles of walking trails.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Riverside typically pay around $123.16 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
California $131.59
Riverside, California $123.16

Riverside, CA Best Car Insurance Companies

car insurance in Riverside

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Unitrin generally has the most affordable car insurance in Riverside coming in around $129.07 per month. Other companies to consider if you live in Riverside is USAA with an average cost of $132.75 per month and Esurance which typically runs around $134.82 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Riverside.

RankCompanyAverage Monthly RateComparison State Average
1 Unitrin $129.07-1.92%
2 USAA $132.750.88%
3 Esurance $134.822.45%
4 SAFECO $147.6412.20%
5 Mercury $149.4113.54%
6 Allstate $152.9716.25%
7 Direct Auto $153.0016.27%
8 21st Century $161.3322.60%
9 California Capital $164.1224.72%
10 Grange $165.5125.78%

How Much is Car Insurance in Riverside, CA?

how much is auto insurance in Riverside

Rates can vary from city to city. The residents of Fresno typically pay $114.81 per month while people who live in Los Angeles will pay $174.06 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Fresno $114.81
Los Angeles $174.06
Riverside $123.20
Sacramento $129.50
San Diego $109.76
San Francisco $155.58

Cheap Car Insurance in Riverside by Zip Codes

find cheap auto insurance in Riverside

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Riverside, CA ZIP CodeAverage Monthly Rate
92501$126.48
92502$211.45
92503$127.29
92504$129.74
92505$132.25
92506$104.22
92507$129.59
92508$121.50
92509$107.97
92514$186.33
92519$54.98

Car Insurance Rates by Driver's Age Group in Riverside

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $225.02 per month in Riverside. Compare that to drivers in their 30’s who typically pay around $94.30 per month drivers in their 40s at $99.59 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$225.02
20s$146.55
30s$94.30
40s$99.59
50s$92.19
60s$92.43
70+$106.50

Cheapest Insurance for Teenage Drivers in Riverside

If you are teen in Riverside you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Unitrin typically charges around $184.92 per month. This is likely the most affordable option in Riverside. You might also want to consider USAA and California Capital who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Unitrin$184.92
USAA$248.05
California Capital$255.97
Mercury$272.17
State Farm$288.67

Cheapest Insurance for 20 Year-olds in Riverside

20 year-olds in Riverside might want to consider Unitrin who, on average, offers car insurance rates around $145.91 per month. USAA , Esurance , SAFECO and Allstate are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Unitrin$145.91
USAA$156.59
Esurance$160.46
SAFECO$169.47
Allstate$183.06

Cheapest Insurance for 30 Year-olds in Riverside

If you are in your 30s in Riverside our research has found that USAA typically has the most affordable coverage coming in around $120.78 per month, followed by Direct Auto at $121.37 and Esurance at $122.44.

CompanyAverage Monthly Rate
USAA$120.78
Direct Auto$121.37
Esurance$122.44
Unitrin$125.42
Mercury$133.84

Cheapest Insurance for 40 Year-olds in Riverside

On average, Infinity Special offers car insurance for 40 year-olds in Riverside for around $59.31 per month. If you are looking for affordable coverage, you may also want to consider Direct Auto or Kemper Auto Premier. The full list of top companies is below.

CompanyAverage Monthly Rate
Infinity Special$59.31
Direct Auto$63.06
Kemper Auto Premier$84.48
USAA$102.83
Esurance$103.90

Cheapest Insurance for 50 Year-olds in Riverside

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Riverside we found that Esurance generally offers the most affordable coverage at $97.69 per month.

CompanyAverage Monthly Rate
Esurance$97.69
SAFECO$102.92
21st Century$103.26
USAA$103.40
Allstate$106.05

Cheapest Insurance for 60 Year-olds in Riverside

If you live in Riverside and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $59.46 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct Auto$59.46
USAA$107.07
Esurance$107.26
21st Century$108.41
Allstate$111.31

Driver's Coverage Auto Insurance Rates in Riverside, CA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Riverside, the average monthly rate for a driver who is currently insured is $122.49 while drivers who are not currently covered will pay around $124.04.

CoverageAverage Monthly Rate
Not Currently Insured $124.04
Currently Insured $122.49

Compare Recent Car Insurance Quotes in Riverside

auto insurance quotes in Riverside city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Riverside a driver of a 2013 Hyundai Genesis Coupe can expect to pay around $198.92 per month while someone that owns a 2000 Nissan Altima may pay around $96.99 per month. Check out the list of recent quotes in Riverside below.

VehicleAverage Monthly Rate
2013 Hyundai Genesis Coupe$198.92
2000 Nissan Altima$96.99
2002 Nissan Altima$90.42
2007 Bmw 750$139.03
2020 Kia Soul$155.23
2013 Honda Accord$165.52
2005 Ford Expedition$53.17
2015 Toyota Corolla$270.45
2013 Kia Optima$124.01
2017 Honda Civic$257.13

FAQ's for Drivers in Riverside, CA

driver’s frequently asked question in Riverside

What Is the Minimum Liability Coverage Requirement in Riverside, CA?

Every state requires drivers to have a minimum amount of liability coverage. California drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
  • $30,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
  • $5,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In California, you are legally required to obtain something called liability insurance.* This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

What Is the Blood Alcohol Concentration (BAC) limit in Riverside, CA?

It is illegal for an individual to operate a motor vehicle in California with the following BAC percentages:

  • .08%+ @ 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .01%+ @ < 21 years old

What are the chemical test refusal penalties in California?

According to California’s implied consent law, you are only required to take a breath or blood test upon being arrested. However, if you are not arrested and refuse the test, the officer may identify additional probable causes for driving under the influence and arrest you, thus forcing you into taking the test.

map

Commute Time in Riverside, CA

30.4 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Riverside, CA

141

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.