120+ more*Quotes generated for Insurify users in and around Riverside, California within the last 10 days. Last updated on May 27, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Riverside, California within the last 10 days. Last updated on May 27, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Featured in
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
The average cost of car insurance in Riverside is $92 per month for liability-only coverage and $193 per month for full coverage, according to Insurify data. This is comparable to the statewide California average of $94 per month for liability-only coverage and $198 per month for full coverage.
Auto insurance costs in Riverside are substantially lower than in Los Angeles, where drivers pay $141 per month for liability coverage and $286 per month for full coverage.
One major factor that may explain the difference in rates is population density. More people on the road increase the risk of accidents. Los Angeles has nearly 4 million residents, while Riverside has about 320,000, according to U.S. Census data.[1]
While rates are lower in Riverside than in Los Angeles, they’re slightly higher than in nearby Beaumont, which is also in Riverside County. Car insurance in Beaumont has an average monthly cost of $78 for liability-only coverage and $172 for full coverage. Beaumont’s population is much smaller, at around 59,000 residents.
Liability quotes start at $63/mo.
The insurance company with the cheapest liability insurance in Riverside is USAA, at $63 per month for minimum coverage. That’s slightly lower than the California state average of $92 per month for liability insurance.
All drivers must get liability coverage, per California’s minimum car insurance requirements. Drivers in the Golden State must have $30,000 per person and $60,000 per accident in bodily injury liability, as well as $15,000 per accident in property damage liability.[2]
Below, you can find the cheapest average liability car insurance rates in Riverside.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $63 |
| Aspire General | $67 |
| GEICO | $70 |
| National General | $70 |
| Sun Coast | $71 |
| Mercury | $72 |
| Dairyland | $77 |
| Root | $85 |
| Allstate | $86 |
| Farmers | $89 |
| Direct Auto | $90 |
| Anchor | $92 |
| State Farm | $97 |
| Bristol West | $98 |
| Kemper Special | $98 |
| Travelers | $102 |
| Kemper Rsvp | $108 |
| 21st Century | $109 |
| Nationwide | $136 |
| Chubb | $172 |
Full-coverage car insurance in Riverside costs an average of $193 per month. Compared to other California cities, Riverside car insurance rates are cheaper than some larger metro areas but more expensive than other smaller cities.
Drivers can find the cheapest full-coverage car insurance in Riverside with Aspire General, with an average full-coverage cost of $118 per month.
Riverside residents face a few risks as drivers, including a high rate of car theft and heavy traffic on state Routes 91 and 60.[3] It’s a good idea to purchase a full-coverage insurance policy to protect your vehicle from these risks in Riverside.
Here are the insurance companies with the cheapest rates for full-coverage car insurance in Riverside.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $118 |
| Root | $134 |
| Mercury | $139 |
| USAA | $140 |
| GEICO | $142 |
| Kemper Special | $159 |
| Kemper Rsvp | $162 |
| Sun Coast | $164 |
| Anchor | $176 |
| Dairyland | $177 |
| National General | $186 |
| Allstate | $192 |
| Farmers | $198 |
| Bristol West | $208 |
| State Farm | $215 |
| Direct Auto | $218 |
| Travelers | $225 |
| 21st Century | $246 |
| Nationwide | $303 |
| Chubb | $383 |
California has a large geographic footprint and is the most populous state in the U.S. Given its size and population, California’s car insurance premiums can vary widely by city. Among the cities in the table below, Santa Maria has the lowest overall average car insurance rate, at $107 per month, while Glendale has the highest, at $256 per month.
Riverside car insurance costs an average of $143 per month, which is similar to the state average of $146 per month.
Car insurance in Riverside is also more expensive than in nearby Temecula, where average premiums are $126 per month. Riverside has a larger population and higher crime rates than Temecula, which likely contributes to Riverside’s higher crime rates. The chance of being a victim of property crime, such as auto theft, is 1 in 33 in Riverside and 1 in 60 in Temecula, according to NeighborhoodScout.
The following table shows you how overall auto insurance rates vary across California.
City | Average Monthly Quote |
|---|---|
| Anaheim | $152 |
| Bakersfield | $125 |
| Berkeley | $147 |
| Chula Vista | $121 |
| Elk Grove | $137 |
| Fremont | $133 |
| Fresno | $126 |
| Glendale | $256 |
| Long Beach | $163 |
| Los Angeles | $214 |
| Modesto | $137 |
| Moreno Valley | $140 |
| Oakland | $161 |
| Oxnard | $131 |
| Riverside | $143 |
| Sacramento | $150 |
| San Bernardino | $150 |
| San Diego | $124 |
| San Francisco | $165 |
| San Jose | $130 |
| Santa Ana | $144 |
| Santa Barbara | $119 |
| Santa Maria | $107 |
| Stockton | $139 |
| Temecula | $126 |
| Victorville | $153 |
Like many cities in California, Riverside has a high wildfire risk, which can cause serious property damage.[4] The city also has several highways that run through it. The more traffic in an area, the greater the risk of car accidents.
Car theft is also common, with Riverside ranking in the top 20 cities with the most stolen cars, according to data from the National Insurance Crime Bureau. Insurers will consider all these factors when determining premiums for Riverside drivers.
*Quotes generated for Insurify users in and around Riverside, California within the last 10 days. Last updated on May 27, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Riverside, California within the last 10 days. Last updated on May 27, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates for car insurance in Riverside vary significantly depending on whether you have a clean driving record or an incident like a speeding ticket, at-fault accident, or driving under the influence (DUI).
The following data shows the cheapest car insurance companies in Riverside by driving record:
Cheapest car insurance for Riverside drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Riverside: USAA
Cheapest car insurance for Riverside drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Riverside: USAA
In Riverside, 2.9% of drivers have a speeding ticket, while 5.6% have an at-fault accident, according to Insurify data. DUIs, which about 0.8% of Riverside drivers have, are less common but pose a greater risk for insurers.
Your car insurance rates will typically increase if you have an incident on your driving record, but the severity of the incident and California’s state laws can affect costs.
California is an at-fault state, so if you or someone borrowing your vehicle causes an accident, you may see meaningful rate hikes.
See how average car insurance quotes in Riverside vary based on driving record in the table below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $143 |
| Speeding ticket | $180 |
| At-fault accident | $180 |
| DUI | $189 |
Drivers in Riverside should plan for major rush-hour traffic on the highways, especially when UC Riverside is in session. Riverside is a major hub in California, connecting with the surrounding Los Angeles County.
The average one-way commute time for Riverside residents is 31 minutes, but it’s even longer for people who work in Los Angeles. Some Riverside residents who work in Los Angeles may consider using the Metrolink rather than commuting in traffic.
Parking can be tricky in Riverside, especially downtown. This is important to keep in mind when you’re traveling downtown to visit the Cheech Marin Center for Chicano Art & Culture, the Riverside Art Museum, or the annual Mission Inn Festival of Lights. That said, downtown has several parking garages and street parking meters.
Lastly, California has a relatively high rate of uninsured motorists, estimated at around 20%, so you may want to consider adding underinsured and uninsured motorist coverage to your policy.
Riverside can experience heavy traffic congestion on state Routes 60 and 91 and Interstate 215, which may increase the likelihood of accidents and hike up rates. The busy 60/91/215 interchange is a known bottleneck, with local news reports frequently highlighting traffic accidents.
The average commuting time in Riverside is 31 minutes, according to U.S. Census data. Traffic can also increase in the downtown area and near UC Riverside. Major construction on I-215 is underway, causing UC Riverside to advise students to plan ahead for delays. Also, the city of Riverside holds periodic DUI checkpoints for drivers in the area.
In Riverside, teens must be at least age 15 and a half to get an instruction permit and 16 to get a driver’s license. Teen drivers in California have restrictions on when and with whom they can drive.[5]
Teens are just learning to drive and have limited experience, which adds a layer of risk and increases car insurance costs. USAA has the cheapest car insurance for teens in Riverside, with an average rate of $117 per month.
The following data shows the cheapest liability insurance rates for teenage drivers in Riverside.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $117 |
| Aspire General | $122 |
| GEICO | $127 |
| Sun Coast | $130 |
| Mercury | $132 |
| Dairyland | $135 |
| National General | $140 |
| Root | $148 |
| Allstate | $171 |
| Bristol West | $174 |
| Direct Auto | $175 |
| Anchor | $176 |
| Farmers | $179 |
| Kemper Special | $179 |
| State Farm | $189 |
| 21st Century | $197 |
| Kemper Rsvp | $197 |
| Travelers | $213 |
| Nationwide | $266 |
| Chubb | $355 |
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People 65 and older make up 12% of Riverside’s population, according to U.S. Census data.
USAA, Aspire General, and National General have the most affordable car insurance in Riverside for senior drivers.
Below, you can find the cheapest liability insurance rates for seniors in Riverside.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $52 |
| National General | $57 |
| GEICO | $57 |
| Mercury | $59 |
| Aspire General | $61 |
| Sun Coast | $64 |
| Dairyland | $67 |
| Allstate | $72 |
| Farmers | $73 |
| Root | $73 |
| Direct Auto | $76 |
| Anchor | $77 |
| State Farm | $78 |
| Travelers | $84 |
| Bristol West | $84 |
| 21st Century | $88 |
| Kemper Special | $89 |
| Kemper Rsvp | $98 |
| Nationwide | $107 |
| Chubb | $134 |
The following information can help you learn more about finding the best auto insurance in Riverside.
The overall average cost of car insurance in Riverside is $143 per month. Riverside drivers pay an average of $92 per month for liability coverage and $193 per month for full coverage. Auto insurance costs depend on your driving history, mileage, age, and local risk factors, such as theft or severe weather events.
USAA has the cheapest car insurance in California right now, with an average rate of $64 per month for liability-only coverage, according to Insurify data. Aspire General and GEICO are two more affordable choices for Riverside drivers.
You may be able to save even more by qualifying for a discount by bundling different insurance products, such as auto and home insurance, from the same insurer.
USAA, State Farm, and Nationwide are among the best car insurance companies in Riverside. But the best way to find insurance coverage that fits your needs is to shop around for quotes from multiple auto insurers.
Factors such as heavy traffic on I-215, population density, and higher property crime rates all affect car insurance rates in Riverside. Having a clean driving record and bundling auto coverage with renters insurance or homeowners insurance can help.
You can find cheap Riverside car insurance by comparing multiple auto insurance quotes. When researching options, check applicable insurance discounts or bundling different types of coverage. For example, Allstate also offers life insurance and business insurance in addition to auto and property insurance. Ask your insurance agent about what discounts you qualify for.
Insurify data scientists analyzed more than 190 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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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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.