How Much Are Car Insurance Rates in Riverside?


In Riverside, it is vital to cut costs while insuring a vehicle because California premiums are recognized for being expensive. They generally exceed the national average by 11%. Let's take a look at how car insurance costs in Riverside contrast with rates nationwide.


INSURANCE COSTS: RIVERSIDE VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,908$1,748$1,569


Riverside Car Insurance Costs by Driver Age

The largest decrease in premiums for Riverside drivers happens when they hit their 20s. Once out of the teenage age range, drivers save an average of $5,371. Turning 70 triggers an increase in rates, but up until that point drivers can anticipate premium reductions when they move between age groups. Among all age groups, drivers in their 60s have the smallest rates, with rates of $1,636/year. However, people in their 50s ($1,683) aren’t paying significantly more. Teenage drivers have the largest premiums out of all the age groups, with car insurance payments of $7,007 on average.


RIVERSIDE AUTO INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$7,007
20s$2,774
30s$1,874
40s$1,812
50s$1,683
60s$1,636
70s$1,735


Riverside Car Insurance by Gender and Marital Status


Car insurance premiums in Riverside differ based on your gender and marital status. However, the amount by which men's and women's car insurance premiums differ is minimal. You can save approximately 4% per year if you're married as opposed to single or divorced. Rates for those who are widowed are moderately cheaper than rates for those who are single.


RIVERSIDE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,910
Male$1,908
Single$1,908
Married$1,824
Divorced$1,908
Widowed$1,832


Riverside Car Insurance After Accidents or Violations


Accidents and violations can cost you in terms of car insurance rates. 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 need to spend nearly triple the average for the city to insure their vehicle. For individuals in Riverside with at-fault accidents in which damages exceeded $2,000, rates are an average of 63% more than at-fault accidents with damages less than $1,000.


AVERAGE RIVERSIDE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Annual Premium
DUI$5,358
Reckless Driving$5,358
At-fault Accident (damages less than $1,000)$1,908
At-fault Accident (damages greater than $2,000)$3,102
Speeding Ticket (16-20 mph over speed limit)$2,580


* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when companies determine 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.

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

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

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.