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 Average||U.S. Average|
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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
|Company||Average Rate (annual)|
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 bracket||Average Yearly Rate|
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/Gender||Average Annual Rate|
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
|Incident||Average Annual Rate|
|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|
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 Tier||Average Yearly Rate|
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.
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