Cheapest Auto Insurance in Riverside, California (2024)

Riverside drivers can find the cheapest car insurance from Mile Auto, which has minimum-coverage rates as low as $58 per month.

Anna Baluch
Written byAnna Baluch
Photo of an Insurify author
Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Featured in

media logomedia logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated December 2, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

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.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Riverside, California

Drivers in and around Riverside, California have found policies from Bristol West, Aspire General, Dairyland, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Riverside, California within the last 10 days. Last updated on December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. 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 December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Located outside of Los Angeles and surrounded by mountains within driving distance, Riverside, California, has a vibrant arts and recreation community. Residents enjoy car insurance rates that are on par with state averages but lower than costs in other California cities. The city’s smaller population and lower accident rates, compared to nearby cities, could partly explain its competitive car insurance rates.[1] 

The average cost of car insurance in Riverside is $269 per month for full coverage and $142 for liability-only coverage, according to Insurify data. California’s state averages, by comparison, are $277 for full coverage and $139 for liability coverage.

Riverside drivers can find cheap car insurance that fits their needs by comparing quotes from multiple insurance companies. Here’s what to know about car insurance in Riverside, California.

Quick Facts
  • Mile Auto, Sun Coast, and Mercury are the three cheapest insurance companies for Riverside drivers.

  • Riverside drivers pay an average of $3,224 per year for full-coverage car insurance.

  • California is updating its minimum car insurance requirements to 30/60/15 in 2025.[2]

3 of the cheapest car insurance companies in Riverside

Finding the best car insurance company for you depends on your particular budget, coverage preferences, and driving record. Insurify analyzed and identified the best auto insurers in Riverside based on customer satisfaction, AM Best ratings, average quotes, and more.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Mile Auto7.5$108$60Liability coverage
Clearcover6.8$137$67Teen drivers
Sun Coast2.3$235$95Senior drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for liability coverage: Mile Auto

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$58/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$104/mo
4.2
Best choiceBased on 54 verified guest reviews and ratings
Reviews (29)

Cookie

October 15, 2024

Verified Purchase

Excellent

Low mileage rate.

Tasha

October 10, 2024

Verified Purchase

Not pleased

Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.

Thomas

October 8, 2024

Verified Purchase

Mixed Review

Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Mile Auto is a pay-per-mile insurer, meaning its rates are based on how many miles you drive. It offers basic coverage options and a few add-ons. If you don’t drive very often, you may score the best rates on a policy with Mile Auto.

Pros
  • Affordable coverage for infrequent drivers

  • An A rating from the Better Business Bureau (BBB)

Cons
  • Limited discounts available

  • No mobile app

Best insurer for teen drivers: Clearcover

User Reviews
3.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$106/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$185/mo
3.3
A solid optionBased on 48 verified guest reviews and ratings
How drivers feel about Clearcover

Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover

Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (35)

Catherine

October 22, 2024

Verified Review

Great Customer Service

My premium increased by $70 due to an auto accident.

Brett

October 12, 2024

Verified Review

Unexpected Rate Increases

Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.

Richard

October 7, 2024

Verified Review

T.B.

Too expensive for me.
See all Clearcover reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Clearcover uses AI technology and a robust mobile app to simplify the way customers purchase and manage their auto policies. It only sells car insurance but partners with Hippo to provide home insurance as well.

Pros
  • Offers discounts at select maintenance shops

  • Comprehensive mobile app

Cons
  • No bundling discounts

  • Few discounts compared to competitors

Best insurer for senior drivers: Sun Coast

User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$91/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$221/mo
3.8
A solid optionBased on 19 verified guest reviews and ratings
How drivers feel about Sun Coast

Drivers appreciate the payment options and knowledgable adjusters but dislike the expensive premiums and unavailable customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
How drivers feel about Sun Coast

Drivers appreciate the payment options and knowledgable adjusters but dislike the expensive premiums and unavailable customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
Reviews (9)

Marylou

September 9, 2024

Verified Purchase

Surprise!

Sun Coast is by far the best insurance I have found. The rates are awesome.

Patricia

August 14, 2024

Verified Review

Great so far

Excellent

Tiffany

August 12, 2024

Verified Purchase

Unpleasant Experience

The experience was terrible. I was quoted a price but wasn't informed that I needed to submit proof of my degree. I wasn't given any time to submit it before my rate was increased. My payment didn't come out of my direct deposit on time due to their mistake, which resulted in an increased rate. I'm on a fixed income, so this was a terrible experience. Now, I have no insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Based in Laguna Beach, Sun Coast offers car insurance as well as other insurance products, like boat insurance and business insurance. Its lineup of auto policies includes basic coverage, like liability protection, and optional coverage, such as 24/7 roadside assistance.

Pros
  • Long list of discounts available

  • A+ BBB rating

Cons
  • No home insurance product for bundling

  • No online claims process

How to get the cheapest car insurance in Riverside

Finding the cheapest car insurance requires a little work on your part during the insurance-shopping process. To score a great deal on an auto policy in Riverside, follow these tips:

  • Shop around. It may be tempting to choose a policy from the first car insurance company you find. But if you’d like to save as much money as possible, it’s a good idea to get quotes from several companies and compare your insurance options.

  • Take advantage of discounts. It’s quite common for car insurance companies to offer discounts. A few examples include a good driver discount and multi-vehicle discount.

  • Bundle policies. Chances are you need more than one type of insurance policy. If this is the case, you may lock in a discount for bundling an auto policy with homeowners insurance, renters insurance, or life insurance.

  • Consider usage-based insurance. Usage-based or pay-per-mile insurance might make sense if you only drive occasionally. You’ll only pay for the number of miles you drive, plus a base rate.

Find Cheap Car Insurance in Riverside

Liability rates start at $58 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Riverside: Mile Auto

The state of California requires liability-only car insurance minimum limits of 15/30/5. This type of policy pays for the other driver’s property damage and injuries after an accident you cause.

Due to the bare-bones nature of this auto policy type, it’s generally cheaper than full-coverage insurance, and drivers can get low premiums with this policy. But you need to carefully consider your ability to cover potentially large out-of-pocket expenses in case of an accident.

Liability-only coverage in Riverside costs an average of $142 per month.

If you only want to meet California’s minimum requirements, these are the cheapest liability-only insurance companies in Riverside.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Mile Auto$58
Sun Coast$91
Mercury$100
Anchor$104
USAA$118
National General$128
Direct Auto$147
GEICO$158
Allstate$163
Farmers$168
State Farm$182
Travelers$190
21st Century$208
Bristol West$222
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Riverside: Mile Auto

For extra protection, you might want full-coverage car insurance, which typically includes liability, collision, and comprehensive insurance. If you drive a newer or expensive vehicle, full-coverage car insurance may provide the extra protection you’re looking for. Plus, drivers who lease or finance their vehicles may have to buy full-coverage insurance while paying off their auto loans. Full coverage is typically more expensive than minimum coverage car insurance.

Riverside drivers pay an average of $269 per month for full-coverage policies.

The table below shows the most affordable full-coverage car insurance companies in Riverside.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Mile Auto$104
Mercury$184
Sun Coast$221
USAA$240
Anchor$278
National General$318
GEICO$320
Allstate$331
Farmers$340
Direct Auto$342
State Farm$368
Travelers$388
Bristol West$398
21st Century$422
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Riverside, California

Drivers in and around Riverside, California have found policies from Orion Indemnity Company, Anchor, GEICO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Riverside, California within the last 10 days. Last updated on December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. 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 December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in California

Like many states, California is an at-fault state, also called a tort state. This means that the driver responsible for the accident must pay for the other driver’s damage or injury costs. Drivers must carry bodily injury and property damage liability coverage but may purchase additional coverage for more financial protection.

These are the minimum liability limits California requires for all drivers:[3]

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    • $15,000 per person

    • $30,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/db598219e3/damage-from-aircraft.svg

    Property damage liability

    • $5,000 per accident

Important Information

California liability limits are increasing on Jan. 1, 2025, to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[2]

While you can purchase liability-only insurance to maintain legal requirements, more coverages may help you feel more protected on the road. You can consider adding these different types of auto insurance coverage options to your policy:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers vehicle damage from non-collision related incidents, like vandalism, falling objects, hitting an animal, or natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for repairs after an accident with another vehicle or object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage can protect you if you get involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your injuries and damages.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage, or MedPay, pays for your medical bills after a collision, even if you caused it.

Learn More: Proof of Insurance: What Is It?

Learn More: Proof of Insurance: What Is It?

California’s low-cost auto insurance plan

The state government manages California’s Low Cost Automobile Insurance program (CLCA) to help low-income drivers afford car insurance. To be eligible for the program, you must meet the following requirements:

  • Have a valid California driver’s license

  • Meet income eligibility requirements

  • Own a vehicle valued at $25,000 or less

  • Be at least 16 years old

  • Have a good driving record or be a new driver

Car insurance through the CLCA costs $232 to $932 a year, depending on the county. But drivers can add coverage like uninsured/underinsured motorist and medical payments insurance for an extra $37 to $107 a year. You can learn more and apply for the car insurance program at MyLowCostAuto.com.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUIs are examples of incidents that can raise your car insurance premiums in Riverside, California. Drivers in the city with clean records usually lock in the lowest prices. But even with incidents on your driving record, it’s still possible to find affordable car insurance.

Shop for Car Insurance in Riverside, CA

Monthly rates start at $69 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Speeding reduces the amount of time drivers have to react to dangerous situations and often results in accidents. This higher risk for accidents is why you can expect higher premiums after a speeding ticket in Riverside.

On average, Riverside drivers with speeding tickets pay $183 per month for liability coverage and $346 for full coverage. The table below shows the cheapest car insurance companies for Riverside drivers with a speeding ticket on their records.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto$58$72
Sun Coast$91$117
Mercury$100$133
Anchor$104$128
USAA$118$146
National General$128$160
Direct Auto$147$183
GEICO$158$196
Allstate$163$203
Farmers$168$208
State Farm$182$224
Travelers$190$238
21st Century$208$268
Bristol West$222$278
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

In 2022, Riverside had 40 fatal car accidents out of the 1,803 total crashes in the city.[4] If you cause an accident, your insurance premiums will usually increase because of your higher risk of another accident. How much your car insurance will increase depends on the severity of the crash and the total claim amount.

Riverside drivers with accidents on their records pay average car insurance rates of $327 per month for full coverage and $173 for liability only. If you’re searching for cheap car insurance after an accident in Riverside, start by getting quotes from the insurers below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Accident
Mile Auto$58$74
Sun Coast$91$111
Mercury$100$134
Anchor$104$139
USAA$118$147
National General$128$159
Direct Auto$147$188
GEICO$158$197
Allstate$163$203
Farmers$168$209
State Farm$182$224
Travelers$190$238
21st Century$208$266
Bristol West$222$276
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Mile Auto

Not only can a DUI result in hefty fines and jail time, it may also lead to higher car insurance premiums — especially if California requires you to file an SR-22. Furthermore, a DUI can cause your insurance company to not renew your policy at the end of its term.

A DUI pushes the average monthly cost of car insurance in Riverside to $381 for full coverage and $201 for liability-only policies. The table below shows average car insurance quotes for Riverside drivers with a DUI on their records.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With DUI
Mile Auto$58$89
Sun Coast$91$129
Mercury$100$142
Anchor$104$141
USAA$118$181
National General$128$196
Direct Auto$147$225
GEICO$158$242
Allstate$163$250
Farmers$168$257
State Farm$182$279
Travelers$190$291
21st Century$208$319
Bristol West$222$340
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

Seniors may cause car accidents due to physical and mental limitations, like poor vision and slow reflexes.[5] Average premiums go down around age 35 and go up a bit around age 70.

Senior drivers in Riverside pay average car insurance costs of $236 per month for full coverage and $125 for minimum coverage. In Riverside, seniors may find the lowest auto insurance quotes from the insurance companies below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Full Coverage
Liability Only
Mile Auto$81$45
Mercury$151$82
Sun Coast$194$80
USAA$198$97
Anchor$234$88
National General$251$101
GEICO$263$130
Allstate$274$135
Farmers$274$135
Direct Auto$275$118
State Farm$295$146
Travelers$313$153
21st Century$327$161
Bristol West$329$184
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

Teenagers have less driving experience and are more likely to be involved in accidents than older drivers, and face higher car insurance costs as a result. To save money on a policy, teens can stay on their parents’ insurance, enroll in a defensive driving course, and secure a discount.

“Most carriers offer a good student discount for teens with a GPA of at least 3.0,” says Earl Jones, insurance agent and owner at Earl L. Jones Insurance Agency in California. “In addition, most providers offer a ‘student away’ discount for those students who [attend college] hours away from home.” 

Teens who purchase their own policies in Riverside face average car insurance rates of $440 per month for full coverage and $232 for liability-only coverage. For teens and young adults looking for cheap car insurance in Riverside, start with the insurers in the table below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Full Coverage
Liability Only
Mile Auto$199$111
Mercury$319$174
Sun Coast$362$149
USAA$397$195
Anchor$461$173
GEICO$504$249
Allstate$583$287
Farmers$586$289
Direct Auto$616$265
National General$617$248
State Farm$625$309
Bristol West$659$368
Travelers$693$339
21st Century$706$348
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Riverside

Unlock savings and discounts when you compare rates through Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Is car insurance more expensive in Riverside?

The average cost of a liability-only auto policy in Riverside is $142 per month. For full coverage, the average monthly cost is $269.

These rates are higher than the national averages of $105 per month for liability coverage and $202 per month for full coverage.

Car insurance premiums vary by city and ZIP code within California due to factors like population, crime rates, and the number of uninsured drivers.[6]

More cities in California

More populated cities typically have higher rates than Riverside due to their higher rates of car accidents and crime.

Here’s an overview of average car insurance quotes for other cities in California.

City
Full Coverage
Liability Only
Anaheim$296$152
Bakersfield$262$119
Fresno$258$130
Long Beach$317$152
Los Angeles$401$211
Modesto$285$147
Oakland$351$153
Sacramento$307$145
San Diego$252$122
San Francisco$329$149
San Jose$270$131
Stockton$288$131
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Riverside car insurance FAQs

Check out Insurify’s guide on how much car insurance you need to help you during the quote-comparison process, and read the answers to common questions about car insurance in Riverside, California, below.

  • How much is car insurance in Riverside?

    Car insurance in Riverside costs an average of $142 per month for liability coverage and $269 per month for full coverage, according to Insurify data.

  • What are the cheapest car insurance companies in Riverside?

    Mile Auto is the cheapest insurer for Riverside drivers, with liability-only rates as low as $58 per month. Riverside drivers can also find cheap coverage with the citys second- and third-cheapest companies, Sun Coast and Mercury. They have liability rates starting at $91 and $100, respectively.

  • What are the best car insurance companies in Riverside?

    The best car insurance companies in Riverside include Allstate, GEICO, and USAA. Although these insurers don’t have the lowest average quotes compared to other insurers in Riverside, they have above-average J.D. Power customer satisfaction ratings and high Insurify Quality Scores.

    While Insurify identified these companies as the best for Riverside drivers, the best insurance company for you will depend on your coverage needs and budget, so you should compare auto insurance quotes from multiple insurers.

  • Can credit history affect your car insurance rates in Riverside?

    No. California doesn’t allow auto insurers in the state to use customer credit history when underwriting premiums. This means that your credit, whether good or bad, won’t influence your auto insurance rates.[7]

  • How much car insurance do you need in Riverside, California?

    California requires drivers to carry 15/30/5 minimum liability limits. These requirements translate to $15,000 per person and $30,000 per accident for bodily injury liability and $5,000 per accident for property damage liability.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Census Bureau. "QuickFacts Riverside city, California."
  2. California Legislative Information. "SB-1107 Vehicles: insurance."
  3. California Department of Motor Vehicles. "Insurance Requirements."
  4. University of California Berkeley. "Transportation Injury Mapping System."
  5. Insurance Information Institute. "Senior driving safety and insurance tips."
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  7. Federal Trade Commission. "Credit-Based Insurance Scores."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

Featured in

media logomedia logo
Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all