Rialto, CA Car Insurance

How much does auto insurance cost in Rialto?


The typical Rialto driver pays $2,010 per year for auto insurance. That's more expensive than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Our guide to car insurance in Rialto — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.


RIALTO CAR INSURANCE RATES
Rialto Average (yearly)California AverageU.S. Average
$2,010$1,868$1,548

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Rialto car insurance costs by company


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Rialto, GEICO offers the cheapest premiums for the typical insurance buyer. We've gathered the best cheap car insurance companies in Rialto below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


RIALTO CAR INSURANCE RATES BY COMPANY
InsurerAverage Rate (annual)
GEICO$1,375
Mercury$1,480
Infinity$1,808
AAA$1,848
Alliance$1,896

Check out our guide to learn how to find the best cheap car insurance.



Rialto car insurance premiums by age

The age bracket that pays the least for auto insurance in Rialto consists of drivers in their age_60s, who pay an average of $1,780. Drivers in their age_50s pay marginally higher rates — $1,797 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Rialto. One of the easiest ways to lower your car insurance rates as a driver in Rialto is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Rialto is $4,488, the largest such difference between any two age brackets.


CAR INSURANCE RATES BY AGE TIER IN RIALTO
Age bracketAverage Annual Rate
Teenagers$7,477
20s$2,990
30s$1,957
40s$1,892
50s$1,797
60s$1,780
70s$2,057

Learn more about the impact of age on car insurance premiums.



Rialto auto insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Rialto, married motorists pay $83 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Rialto, single drivers pay more than those who are widowed.

Gender is yet another factor that can affect auto insurance premiums. In Rialto, female drivers pay $2 per year more than do male drivers for car insurance.


INSURANCE RATES IN RIALTO BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$2,012
Male$2,010
Single$1,928
Married$1,928
Divorced$2,010
Widowed$1,952

Learn more about how gender and marital status have on auto insurance rates.



Rialto auto insurance rates by accident and violation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Rialto drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $3,462 per year versus the city average. A ticket for speeding results in an $830 rate hike while a DWI or DUI violation costs $3,368per year in extra insurance expenditures.


AVERAGE RIALTO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Rate
DUI/DWI$5,378
Reckless Driving$5,472
At-fault Accident (damages less than $1,000)$2,017
At-fault Accident (damages greater than $2,000)$3,522
Speeding Ticket (16-20 mph over speed limit)$2,840

Learn more about how citations can raise your auto insurance rates.



Rialto car insurance rates by credit tier


One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Rialto drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Rialto, improving your credit to "Fair" corresponds with a $0 decrease in annual car insurance rates.


RIALTO CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Annual Rate
Very Poor$2,010
Fair$2,010
Good$2,010
Very Good$2,010
Exceptional$2,010

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.