Located outside of Los Angeles and surrounded by mountains within driving distance, Riverside, California, has a vibrant arts and recreation community. Residents enjoy lower-than-average car insurance prices, possibly due to the city’s lower population compared to nearby cities.^[1]

Quick Facts

Even though Riverside is the most populous city in Riverside County, with more than 336,000 residents, its average car insurance costs are 2% cheaper than the state average.
California’s low-cost auto insurance plan is available to qualifying drivers who need affordable car insurance.
California is updating its car insurance minimum requirements to 30/60/15 in 2025.^[2]

Find Car Insurance in Riverside, CA

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Best 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, A.M. Best ratings, average quotes, and more.

Best insurer for liability-only coverage: Mile Auto

liability only Mile Auto

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.4
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
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.	$71/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.	$129/mo

Overview

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 and cons

Pros

Affordable coverage for infrequent drivers
An A rating from the Better Business Bureau (BBB)

Cons

Limited discounts available
No mobile app available

Best insurer for teen drivers: Clearcover

teen driversClearcover

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.1
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
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.	$70/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.	$141/mo

Overview

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 and cons

Pros

Offers discounts at select maintenance shops
Comprehensive mobile app

Cons

No bundling discounts
Few discounts available compared to competitors

Reviews

I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.

Catherine - January 14, 2023

Verified

Great service, low price, very helpful staff

Jack - September 12, 2022

Verified

The price was right, but only lasted for six months

Kelvin - September 3, 2022

Verified

Read our Clearcover review

Best insurer for senior drivers: Sun Coast

senior driversSun Coast

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
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).	Not rated
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.	$77/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.	$156/mo

Overview

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 and cons

Pros

Long list of discounts available
A+ BBB rating

Cons

No home insurance product for bundling
No online claims process

Cheapest liability-only car insurance in Riverside

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.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Clearcover	70
Mile Auto	71
Infinity	84
Mercury	88
USAA	95
Safeco	108
Kemper	110
National General	117
Dairyland	124
GEICO	127
Allstate	131
Farmers	135
State Farm	146
Bristol West	148
Travelers	153

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

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.

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

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	129
Clearcover	141
Mercury	156
Infinity	164
Safeco	186
USAA	191
Kemper	211
Travelers	226
National General	238
GEICO	254
Allstate	263
Farmers	271
Dairyland	286
State Farm	293
Bristol West	306

Estimate your insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 35%

I’m a homeowner

Save 5%

I’m married

Save 24%

I have multiple cars

Save 39%

Car insurance requirements in California

Like many states, California is an at-fault state, also called a tort state.^[3] 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:^[4]

Bodily injury liability

$15,000 per person
$30,000 per accident

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:

Comprehensive

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

Collision

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

Uninsured/underinsured motorist

This policy 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.

Medical payments

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?

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.^[5] 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.

Find Car Insurance in Riverside, CA

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest car insurance for drivers with a speeding ticket

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.^[5] 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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	189
Clearcover	207
Mercury	229
Infinity	241
Safeco	273
USAA	280
Kemper	310
Travelers	332
National General	349
GEICO	373
Allstate	386
Farmers	398
Dairyland	420
State Farm	430
Bristol West	449

Cheapest car insurance for drivers with an at-fault accident

In 2022, Riverside had 40 fatal car accidents out of the 1,803 total crashes in the city.^[6] 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.^[5] If you’re searching for cheap car insurance after an accident in Riverside, California, start by getting quotes from the insurers below.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	180
Clearcover	197
Mercury	218
Infinity	229
Safeco	260
USAA	267
Kemper	295
Travelers	316
National General	333
GEICO	355
Allstate	368
Farmers	379
Dairyland	400
State Farm	410
Bristol West	428

Cheapest car insurance for drivers with a DUI

Not only can a DUI result in hefty fines and jail time, but 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.^[5]

The table below shows the average car insurance quotes for Riverside drivers with a DUI on their records.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	194
Clearcover	212
Mercury	234
Infinity	246
Safeco	279
USAA	287
Kemper	317
Travelers	340
National General	358
GEICO	382
Allstate	395
Farmers	407
Dairyland	430
State Farm	440
Bristol West	460

Cheapest car insurance for seniors

Seniors may cause car accidents due to physical and mental limitations, like poor vision and slow reflexes.^[7] Average premiums go down around age 35 and go up a bit around age 75. In Riverside, seniors may find the lowest auto insurance quotes from the insurance companies below.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	69
Clearcover	75
Mercury	83
Infinity	88
Safeco	99
USAA	102
Kemper	113
Travelers	121
National General	127
GEICO	136
Allstate	141
Farmers	145
Dairyland	153
State Farm	157
Bristol West	164

Cheapest car insurance for teens

Teenagers have less experience behind the wheel than older drivers and face higher car insurance costs as a result.^[8] 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.”

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	222
Clearcover	243
Mercury	269
Infinity	283
Safeco	321
USAA	329
Kemper	364
Travelers	390
National General	410
GEICO	438
Allstate	453
Farmers	467
Dairyland	493
State Farm	505
Bristol West	528

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 the 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 Car Insurance in Riverside, CA

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Is car insurance more expensive in Riverside?

The average cost of a liability-only auto policy in the U.S. is $170 per month. For full coverage, the average monthly cost is $253. While liability-only coverage is cheaper in Riverside, full coverage is a bit more expensive.

Car insurance premiums vary by city and ZIP code within California due to factors like population, crime rates, and the number of uninsured drivers.^[8] For example, full-coverage quotes for Anaheim are nearly the same as for Riverside, but Irvine and Modesto’s quotes are lower than Riverside’s.

More cities in California

More populated cities, like Los Angeles, have higher rates than Riverside due to the higher rates of car accidents and crime. However, even though San Diego has a higher population than Riverside, it has cheaper average quotes.

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

City	Average Monthly Quote	Compared to Riverside
Anaheim	$258	0%
Bakersfield	$244	-5%
Fresno	$234	-9%
Irvine	$234	-9%
Long Beach	$264	3%
Los Angeles	$349	36%
Modesto	$223	-13%
Oakland	$273	6%
Sacramento	$264	3%
San Diego	$223	-13%
San Francisco	$317	24%
San Jose	$258	0%
Stockton	$249	-3%

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.

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 scores when underwriting premiums. This means that your credit score, whether good or bad, won’t influence your auto insurance rates.^[9]
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.^[4]

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.

More cities in California

Popular cities

Sources

U.S. Census Bureau. "Quick Facts: Riverside city, California." Accessed June 30, 2023
California State Legislature. "SB-1107 Vehicles: insurance.." Accessed June 30, 2023
Nolo. "California Auto Insurance Requirements and Minimums." Accessed June 30, 2023
California DMV. "Auto Insurance Requirements." Accessed June 30, 2023
III. "Do auto insurance premiums go up after a claim?." Accessed June 30, 2023
University of California Berkeley. "Transportation Injury Mapping System." Accessed June 30, 2023
III. "Senior driving safety and insurance tips." Accessed June 30, 2023
III. "What determines the price of an auto insurance policy?." Accessed June 30, 2023
Federal Trade Commission. "Credit-Based Insurance Scores: Impact on Consumers of Automobile Insurance." Accessed June 30, 2023

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.

Learn More

Edited byCourtney MikulskiSenior Editor, Auto

Courtney MikulskiSenior Editor, Auto

3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

View Full Bio

Featured in

Save up to $717 by comparing quotes from the top 70+ insurance companies

Table of contents

Table of contentsCompare quotes

Find Car Insurance in Riverside, CA

Best car insurance companies in Riverside

Best insurer for liability-only coverage: Mile Auto

liability only Mile Auto

Best insurer for teen drivers: Clearcover

teen driversClearcover

Best insurer for senior drivers: Sun Coast

senior driversSun Coast

Cheapest liability-only car insurance in Riverside

Cheapest full-coverage car insurance in Riverside

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in California

Bodily injury liability

Property damage liability

Comprehensive

Collision

Uninsured/underinsured motorist

Medical payments

Learn More: Proof of Insurance: What Is It?

California’s low-cost auto insurance plan

Cheapest car insurance for drivers with an incident

Find Car Insurance in Riverside, CA

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Riverside

Find Car Insurance in Riverside, CA

Is car insurance more expensive in Riverside?

More cities in California

Riverside car insurance FAQs

Methodology

Related articles

More cities in California

Popular cities

Sources

Compare Car Insurance Quotes Instantly

Latest Articles

The 2023 Guide to Car Insurance Discounts

Cost of Toyota Camry Car Insurance (2023)

Cost of Ford Mustang Car Insurance (2023)

Cost of Honda Accord Car Insurance (2023)

Allstate Milewise Auto Insurance Review: Ratings and Quotes (2023)

Top 10 Cheapest Car Insurance Companies for September 2023

Table of contents