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 $62 per month.

Anna Baluch
Written byAnna Baluch
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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.

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Courtney Mikulski
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.

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Daniel Roccato
Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
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  • 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 June 13, 2024

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Cheapest recent rates near Riverside, California

Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $101/mo for full coverage in Riverside and other California cities.

*Quotes generated for Insurify users in and around Riverside, California within the last 10 days. Last updated on June 12, 2024

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 June 12, 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 June 12, 2024

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 June 12, 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 $283 per month for full coverage and $135 for liability-only coverage, according to Insurify data. California’s state averages, by comparison, are $277 for full coverage and $135 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 $3,400 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
Mile Auto3.7$114$61Liability coverage
Clearcover3.4$137$67Teen drivers
Sun Coast2.3$224$75Senior 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for liability coverage: 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.
3.7
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.
$62/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.
$118/mo

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

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.
$87/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.
$143/mo

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

Read our Clearcover review
Jimmy - June 5, 2024
Verified

Too Expensive

I had them for years and made no claims. However, upon checking around, I found them to be too expensive. They were charging $200 a month more for the same coverage.

Mario - May 20, 2024
Verified

I love it!

I love this place. Every interaction was so easy.

Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.

Best insurer for senior drivers: Sun 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.
$78/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.
$226/mo

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

Read our Sun Coast review
Timothy - September 2, 2022
Verified

I can't ever seem to get anyone to talk to me about upgrading my policy. I'm considering going to another provider.

I can't ever seem to get anyone to talk to me about upgrading my policy. I'm considering going to another provider.

James - August 14, 2022
Verified

Poor

The cost is $62.00 a month.

Tamra - August 8, 2022
Verified

Excellent

Lower prices

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 $62 per month

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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 $135 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$62
Sun Coast$78
Mercury$92
Anchor$100
Dairyland$109
USAA$112
National General$133
GEICO$150
Allstate$155
Direct Auto$157
Farmers$159
State Farm$172
Travelers$180
21st Century$197
Bristol West$206
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 $283 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$118
Mercury$174
Anchor$226
Sun Coast$226
USAA$239
Dairyland$311
National General$314
GEICO$319
Allstate$330
Farmers$339
State Farm$368
Direct Auto$370
Travelers$386
21st Century$420
Bristol West$421
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 using Insurify have found quotes as cheap as $49/mo for liability only and $101/mo for full coverage in Riverside and other California cities.

*Quotes generated for Insurify users in and around Riverside, California within the last 10 days. Last updated on June 12, 2024

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 June 12, 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 June 12, 2024

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 June 12, 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 $82 for drivers with an incident

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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 $384 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Mile Auto$62$84
Sun Coast$78$106
Mercury$92$125
Anchor$100$126
Dairyland$109$138
USAA$112$141
National General$133$164
GEICO$150$189
Allstate$155$195
Direct Auto$157$200
Farmers$159$199
State Farm$172$215
Travelers$180$229
21st Century$197$256
Bristol West$206$258
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 $363 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Mile Auto$62$86
Sun Coast$78$100
Mercury$92$124
Anchor$100$139
Dairyland$109$137
USAA$112$141
National General$133$167
GEICO$150$190
Allstate$155$195
Direct Auto$157$203
Farmers$159$199
State Farm$172$216
Travelers$180$228
21st Century$197$254
Bristol West$206$256
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 $420 for full coverage and $200 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Mile Auto$62$89
Sun Coast$78$116
Mercury$92$131
Anchor$100$159
Dairyland$109$173
USAA$112$178
National General$133$211
GEICO$150$238
Allstate$155$246
Direct Auto$157$249
Farmers$159$252
State Farm$172$273
Travelers$180$285
21st Century$197$312
Bristol West$206$327
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 $248 per month for full coverage and $118 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Mile Auto$92$49
Mercury$136$72
Anchor$182$81
USAA$196$92
Sun Coast$198$68
Dairyland$257$90
National General$259$110
GEICO$262$123
Allstate$273$128
Farmers$273$128
Direct Auto$295$125
State Farm$295$138
Travelers$313$146
21st Century$325$153
Bristol West$348$170
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 $428 per month for full coverage and $204 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Mile Auto$211$111
Mercury$291$154
Sun Coast$342$118
USAA$362$170
Anchor$366$162
GEICO$456$214
Dairyland$476$167
Allstate$530$249
National General$546$231
Farmers$548$257
State Farm$570$266
Direct Auto$621$264
Travelers$639$298
21st Century$640$300
Bristol West$656$321
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

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Is car insurance more expensive in Riverside?

The average cost of a liability-only auto policy in Riverside is $135 per month. For full coverage, the average monthly cost is $283.

These rates are higher than the national averages of $105 per month for liability coverage and $215 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.

CityFull CoverageLiability Only
Anaheim$293$144
Bakersfield$241$112
Fresno$241$127
Long Beach$263$154
Los Angeles$340$198
Modesto$276$130
Oakland$302$150
Sacramento$292$137
San Diego$233$116
San Francisco$294$148
San Jose$270$125
Stockton$300$138
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 $135 per month for liability coverage and $283 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 $62 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 $78 and $92, 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
  • 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.

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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.

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