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The average car insurance premium in Perris, California, is $204 per month for full coverage and $91 per month for minimum coverage. Average auto insurance rates in Perris are higher than in Menifee, which sits about eight miles south on Interstate 215. Riverside, the largest city in Riverside County, has slightly lower average rates than Perris, which is also in Riverside County.
One reason why Perris has higher car insurance prices is that most residents have longer commute times than in nearby cities and statewide.[1]
Aspire General has the cheapest full-coverage car insurance in Perris, and USAA has the cheapest liability car insurance in Perris. Average car insurance premiums in Perris are roughly the same as the average cost in California.
California car insurance requirements include 30/60/15 in personal liability insurance.[2] But many drivers can benefit from a full-coverage policy, which protects against theft. Between August 2025 and August 2026, Perris had 151 reported vehicle thefts.[3]
The table below shows the cheapest car insurance companies in Perris for liability-only and full-coverage quotes.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $66 |
| Aspire General | $70 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Direct Auto | $86 |
| Root | $88 |
| Farmers | $93 |
| Anchor | $95 |
| State Farm | $101 |
| Bristol West | $102 |
| Kemper Special | $103 |
| Travelers | $106 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $180 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $122 |
| Root | $134 |
| GEICO | $140 |
| Mercury | $141 |
| USAA | $146 |
| Kemper Special | $159 |
| Kemper Rsvp | $163 |
| Sun Coast | $168 |
| Anchor | $177 |
| Dairyland | $196 |
| National General | $196 |
| Farmers | $207 |
| Direct Auto | $209 |
| Bristol West | $215 |
| State Farm | $224 |
| Travelers | $235 |
| 21st Century | $256 |
| First Acceptance | $340 |
| Chubb | $399 |
Liability quotes start at $65/mo.
San Luis Obispo has the cheapest car insurance rates in California, while Beverly Hills has the highest average rates, based on Insurify data. Perris car insurance premiums fall somewhere in the middle of these two cities and are on par with the total statewide average of $149 per month.
Perris has higher rates than some neighboring cities because it has a higher accident rate. In 2023, Perris had 353 total collisions, compared to 310 in Menifee and 103 in Wildomar.[4]
The following table shows the average car insurance rate in other California cities.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
Expert’s insight
“Insurers consider local factors like traffic patterns, theft rates, and weather risks when determining your rates. Considering the high commuter population in Perris, drivers should look into full coverage to protect against any accident risk the local traffic presents.”
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If you drive often in the Perris area, some things to keep in mind include:
Rush-hour traffic: Roads in Perris can become extremely congested during rush hour, especially I-215 and Ramona Expressway, according to community forums. To avoid traffic, you might consider taking the Metrolink, which sees about 1,865 riders on weekdays.
Nearby colleges: Several colleges are near Perris, including the University of California, Riverside and California Baptist University (CBU). You might notice more traffic when students are in school for the semester.
Street sweeping: Residential neighborhoods in Perris have street sweeping twice per month, and on those days, the city restricts street parking from 8 a.m. to 3 p.m. You can view the Perris street sweeping map online.
Wildfire risk: Parts of Perris are in very high fire hazard severity zones. If you park your car in these areas, it’s important to carry comprehensive coverage, which will pay to repair or replace your car if a fire damages it.[5]
Your driving record significantly affects your car insurance rates in Perris. Insurers may classify you as a high-risk driver if you have an infraction on your record and charge you higher rates. The Perris police department arrested 111 drivers in the city for driving under the influence in 2023. That year, 68 accidents involved a drunk driver, according to the California Office of Traffic Safety.
If you get a driving under the influence (DUI) conviction in Riverside County, you can face up to six months of prison time or three years of probation, thousands of dollars in legal fees and fines, and you can lose your driver’s license for up to six months.[6]
Below, you can see the average cost of car insurance in Perris based on driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $148 |
| Speeding ticket | $188 |
| At-fault accident | $189 |
| DUI | $201 |
Full-coverage quotes start at $121/mo.
New drivers in Perris usually pay the highest rates for coverage. Teens are eligible for a learner’s permit at age 15 and a half, and can get a full driver’s license at age 16. Only 8% of Perris residents are 65 and older, according to the U.S. census, but senior drivers in California typically pay the lowest premiums.
The table below shows the average car insurance rates for Perris drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $265 |
| 20s | $198 |
| 30s | $150 |
| 40s | $141 |
| 50s | $140 |
| 60s | $134 |
| 70+ | $141 |
*Quotes generated for Insurify users in and around Perris, California within the last 10 days. Last updated on August 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Perris, California within the last 10 days. Last updated on August 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
If you’re looking for the most affordable car insurance in Perris, here’s some additional information that can be helpful as you shop for a policy and compare quotes.
The average monthly cost of car insurance in Perris, California, is $204 for full coverage and $91 for liability coverage.
The cheapest full-coverage auto insurance in Perris is from Aspire General. For liability-only coverage, USAA has the lowest average premiums.
Perris car insurance discounts vary by insurance company. You can find savings for insuring multiple cars, being a safe driver, and having a vehicle with airbags or an anti-theft device. Many insurers also offer bundling discounts when you buy car insurance with renters or home insurance.
Car insurance companies in Perris use factors like your driving record, annual mileage, and years of driving experience to set premiums. California insurance companies can’t use gender and credit history as rating factors when calculating car insurance quotes.[7]
Drivers in California need to carry at least 30/60/15 in personal liability insurance, which includes $30,000 for one person’s injuries, $60,000 for all injuries, and $15,000 for all property damage if you cause an accident.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
