How Much Does Car Insurance Cost in Riverside?
Riverside premiums, which are $88 greater than the state average, are known for being pricey. So in Riverside, it is especially important to save while insuring a vehicle. We've analyzed how car insurance rates in Riverside compare to costs nationwide.
INSURANCE COSTS: RIVERSIDE VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Riverside Car Insurance Costs by Age
The most significant decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Riverside start seeing a reduction in premiums of $4,082. Rates for drivers in Riverside continue to shrink through their 60s, but they can anticipate an increase when they turn 70. When looking across all age groups, drivers in their 60s tend to have the lowest rates. Their rates generally average $1,541/year. Those in their 50s ($1,584) also have relatively low premiums. Teenage drivers have the biggest premiums of any age group, with car insurance payments of $6,724 on average.
RIVERSIDE CAR INSURANCE PREMIUMS BY AGE
Riverside Auto Insurance for High-Risk Drivers
Accidents and violations on your driving record can cost you in terms of car insurance rates. $1,018 is what you can expect to add on to your annual insurance premium in Riverside if you have an at-fault accident on your driving record. In Riverside, drivers with either a DUI or reckless driving infraction have rates nearly triple the average for the city of $1,801.
AVERAGE RIVERSIDE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,819|
|At-fault Accident (damages greater than $2,000)||$2,819|
|Speeding Ticket (16-20 mph over speed limit)||$2,446|
Riverside Auto Insurance by Marital Status and Gender
Car insurance premiums in Riverside can be influenced by gender as well as marital status. However, the amount by which men's and women's car insurance premiums deviate is minimal. Being single can cost you an average of 5% more per year compared to being married. Rates for those who are widowed are relatively cheaper than rates for those who are single.
RIVERSIDE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance every year.
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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Riverside Car Insurance
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