Rialto, CA Car Insurance

Explore average rates in Rialto, California, and learn how to save on auto insurance.

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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 60s, who pay an average of $1,780. Drivers in their 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. 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, however, your credit score won't impact your rates, even if you have very poor credit. This is because California numbers among a few states that restrict insurance companies from using drivers' credit scores as a pricing factor in premiums.

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

 

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.