What is the average cost of car insurance in Riverside?


Car insurance costs an average of $1,945 per year in Riverside. That's pricier than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Riverside.


AUTO INSURANCE: RIVERSIDE RATES VS. STATE + NATIONAL AVERAGES
Riverside Average (annual)California AverageU.S. Average
$1,945$1,868$1,548

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Riverside car insurance costs by insurer


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 Riverside, GEICO offers the cheapest premiums for the typical insurance buyer. See below the best options for affordable auto insurance in Riverside. Don't forget to get car insurance quotes based on your driving profile.


RIVERSIDE CAR INSURANCE PREMIUMS BY COMPANY
CompanyAverage Rate (annual)
GEICO$1,298
Mercury$1,485
AAA$1,710
Infinity$1,875
Allstate$2,140

Read our guide to finding the best cheap auto insurance.



Riverside car insurance premiums by age

Riverside drivers in their 60s pay relatively affordable car insurance rates just $1,739each year, on average. Those in their 50s don't pay much more ($1,747).

The Riverside drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Riverside is to celebrate your 20th birthday. The difference in rates paid by teenage drivers and drivers in their 20s in Riverside is $4,291, the largest such difference between any two age groups.


RIVERSIDE CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$7,168
20s$2,877
30s$1,892
40s$1,830
50s$1,747
60s$1,739
70s$2,016

Learn more about how age influences auto insurance rates.



Riverside auto insurance premiums by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Riverside pay $78 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Riverside, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Riverside, female drivers pay $3 per year more than do male drivers for car insurance.


RIVERSIDE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$1,948
Male$1,945
Single$1,867
Married$1,867
Divorced$1,945
Widowed$1,892

Read more about the relationships between gender, marital status and insurance rates.



Riverside auto insurance rates by accident and citation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Riverside, a reckless driving citation results in an average insurance rate increase of $3,315 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $3,219 increase and a speeding ticket triggers a $791 rate hike.


RIVERSIDE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DWI/DUI$5,164
Reckless Driving$5,260
At-fault Accident (damages less than $1,000)$1,953
At-fault Accident (damages greater than $2,000)$3,416
Speeding Ticket (16-20 mph over speed limit)$2,736

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



Riverside auto insurance rates by credit tier


It's no secret credit score is closely correlated with auto insurance rates. In fact, Riverside drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Riverside, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.


RIVERSIDE AUTO INSURANCE RATES BY CREDIT TIER
Credit TierAverage Yearly Rate
Very Poor$1,945
Fair$1,945
Good$1,945
Very Good$1,945
Exceptional$1,945

Learn more about the relationship between poor credit and car insurance.



What drives up car insurance rates in Riverside?

Where you live in Riverside affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Riverside is no exception to the rule. From ZIP code 92506 to 92522, premiums rise by 13 percent—that’s $178.

Expensive Riverside ZIP codes: 92503, 92501, 92505, 92521, 92522

Cheap Riverside ZIP codes: 92506, 92508, 92518, 92507, 92509

Riverside Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Riverside, you can expect 30 rainy days with an annual rainfall of 10.3 inches. Riverside is also known to experience earthquakes and wildfires.

30

Rainy Days a Year

10"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Riverside

2
Major Highways
I-10 I-15 I-215
2
Public Transit
RTA Bus

Car Insurance Companies in Riverside

21st Century AFI Aegis Alliance United Allied Allstate Arrowhead Aspire Advantage Aspire Savings Auto Club (AAA) Bristol West California Automobile Assigned Risk Plan California Capital Carnegie Century National Clearcover Dairyland Direct Auto Esurance FIMC Farmers Foremost GEICO Grange Hippo Infinity Infinity RSVP Infinity Special Kemper Auto Kemper Preferred Liberty Mutual Mendota Mercury MetLife Metromile Multi-State National General Nationwide Progressive Safe Auto Safeco State Farm Stillwater Sun Coast General The General The Hartford Titan Travelers USAA Unitrin Viking Workmen's Auto

Find Local Riverside Agents

Daisy Trudeau Insurance Services

5015 Canyon Crest Dr Ste 107, Riverside, CA 92507

HUB International Insurance Services Inc.

4371 Latham Street, Suite 101, Riverside, CA 92501

Guardian Risk & Insurance Services, Inc.

3714 Tibbets St Ste 100, Riverside, CA 92506

2

$1,513

The average Riverside resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

242

That's equal to 242 cups of coffee or $605 in savings

See How Much You Can Save in Riverside

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Recent Questions:

Riverside Car Insurance

Will car insurance cover my special needs car seat?

Sorry to hear a tree fell on your car. You are right.

How does a not-at-fault accident appear on my driving record

Most driving records insurance companies run will show the claim paid under "no fault" or "not-at-fault" and should not affect your rates at all. If your current car insurance quote reflects the accident as "at-fault," present the evidence you have in your favor and get a new quote.

Can I insure a car that is being financed by someone else?

You should be able to insure the vehicle under your own policy without much, if any, issue from the insurance company. Or you can be added as a driver to your relative's insurance policy if you live in the same household.

Is it possible to remove a claim from your record if there was no payout?

Unfortunately it's fairly black and white. If the accident occurred then it would get put onto your report and there really isn't any way to remove it other than waiting for it to fall off of your record.