Car Insurance in Riverside
On average, Riverside premiums are $88 higher than the state average, so it is especially critical to save while insuring a vehicle in Riverside. Why don't we get started on how to save on car insurance in Riverside?
- City Average: $1,801
- State Average: $1,713
- National Average: $1,427
Riverside Car Insurance by Gender and Marital Status
In Riverside, both gender and marital status can have an effect on your car insurance premiums. However, females have premiums that are only slightly more expensive than those for males. Rates for those who are widowed are moderately cheaper than rates for those who are single. You spend roughly $80 more per year if you're single as opposed to married.
- Female: $1,802
- Male: $1,801
- Single: $1,801
- Married: $1,723
- Divorced: $1,801
- Widowed: $1,731
Riverside Car Insurance by Accident or Violation History
Do you have an accident or violation on your record? That can influence your car insurance premiums. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving charge in Riverside have rates nearly triple the average for the city ($1,801). No one plans on being in an accident, but life happens, so be aware of the effect one can have on your rates. If you are found at-fault in an accident in Riverside, you can expect your yearly car insurance payments to grow by 57%.
- DUI: $5,117
- Reckless Driving: $5,117
- At-fault Accident (damages less than $1000): $2,819
- At-fault Accident (damages greater than $2000): $2,819
- Speeding Ticket (16-20 mph over speed limit): $2,446
Riverside Car Insurance by Age
At $1,541, drivers in their 60s have the smallest insurance premiums among any age group. However, those in their 50s ($1,584) aren’t paying significantly more. The most significant dip in premiums for Riverside drivers happens when they reach their 20s. Once out of the teenage age range, drivers save, on average, $4,082 annually. Premiums in Riverside continue to trend downward up until drivers hit 70. With typical car insurance payments of $6,724, teenage drivers have the highest rates of any age group.
- Teenagers: $6,724
- 20s: $2,642
- 30s: $1,768
- 40s: $1,710
- 50s: $1,584
- 60s: $1,541
- 70s: $1,717
* Credit score, while used in other states, is considered discriminatory in California and is therefore 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
Find Local Riverside Agents
Guardian Risk & Insurance Services, Inc.
3714 Tibbets St Ste 100 Riverside, CA 92506
HUB International Insurance Services Inc.
4371 Latham Street, Suite 101 Riverside, CA 92501
Daisy Trudeau Insurance Services
5015 Canyon Crest Dr Ste 107 Riverside, CA 92507
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Riverside Car Insurance
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