Cheap Auto Insurance Quotes in Riverside, CA (2021)

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Welcome to Riverside

Home of the California citrus industry, this sweet SoCal city has lots to offer visitors and residents. Car travel is the main mode of transportation for millions of drivers in Greater Los Angeles. Finding the right car insurance policy for you and your lifestyle is a vital step towards safe driving in Southern California. 

Fifty-five miles east of LA, Riverside, California sits along the Santa Ana River. The main mode of transportation for over 300,000 Riverside residents, car travel is a big part of life. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Riverside. Compare and save on the best and cheapest car insurance quotes in California.

Car Insurance in Riverside, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Riverside, CA to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$72
$84
$117
$119
$135
GEICOState FarmNationwideMercuryAmerican Family
Monthly $

Cheapest Car Insurance in Riverside, CA

Here are the cheapest carriers in Riverside for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$117
$149
$100
$100
$132
$105
CaliforniaLos AngelesSan DiegoSan JoseSan FranciscoRiverside
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Riverside, CA Driving Facts

california

Minimum Car Insurance Requirements in CA

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Riverside DMV Information 

Riverside County has numerous outposts throughout the city and surrounding areas. Most are open from 9 AM to 5 PM with varying morning and weekend hours. A DMV is never too far out of the way no matter where you are in Riverside. You may be able to skip your visit altogether and utilize their online portal to get the answers and services you need. 

Public Transit in Riverside

Due to its proximity to massive Los Angeles, Riverside benefits from lots of public transportation options. The Riverside Transit Agency (RTA) offers locals and visitors bus and commuter services in and around the city. Amtrak and Greyhound provide train and long haul bus services at stations in and near Riverside. Ridesharing services like Uber and Lyft, plus traditional taxis, also operate across the city.

Conclusion: How to get the best and cheapest car insurance in Riverside

As SoCal drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.

Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

There are nearly millions of registered vehicles in Southern California. and with an estimated 15 percent of California vehicles driving uninsured, with driving comes huge risk. Don’t become just one more uninsured motorist—use Insurify to get the best coverage and rates for your car at a price that works for you.

Find local Riverside agents

Red Star Insurance Services Inc.
11711 Sterling Ave., Unit A, Riverside, CA 92503
HUB International Insurance Services, Inc.
3390 University Ave Ste 300, Riverside, CA 92501-3315
Guardian Risk & Insurance Services, Inc.
1737 Atlanta Avenue, Suite H2B, Riverside, CA 92507
Auto Insurance Specialists, Inc - Riverside
1600 Iowa Ave, #100, Riverside, CA 92507-7422
Riverside Insurance Agency Inc.
4166 Almond St, Riverside, CA 92501
Willhite Insurance Agency Inc
6117 Brockton Ave #206, Riverside, CA 92506
AIS | Auto Insurance Specialists | Riverside
1600 Iowa Ave #100, Riverside, CA 92507
Melendez Insurance Agency
3595 Van Buren Boulevard STE 201, Riverside, CA 92503
Empire Independent Insurance Agency
6792 Magnolia Ave, Riverside, CA 92506
EG Insurance Agency
11728 Magnolia Ave b, Riverside, CA 92503

Insurify Insights: How Riverside Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Riverside, CA
suspended licenses
#74
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Riverside drivers measure up to their fellow California motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Riverside

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Riverside drivers rank 116 in the number of car accidents per driver across all cities in California.

  • Rank within state: #116
  • Percent of drivers in Riverside with an accident: 11.11%
  • Drivers in Riverside, CA with an accident in their driving history paid on average 31.28% more than drivers with a clean record

Speeding Riverside

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Riverside drivers rank 72 in the number of speeding infractions per driver.

  • Rank within state: #72
  • Percent of drivers in Riverside with a speeding ticket: 8.23%
  • Drivers in Riverside, CA with a speeding ticket in their driving history paid on average 32.31% more than drivers with a clean record

DUI/DWIs Riverside

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Riverside drivers rank 167 in the number of DUI’s per driver across all cities in California.

  • Rank within state: #167
  • Percent of drivers in Riverside with a DUI: 1.76%
  • Drivers in Riverside, CA with a DUI in their driving history paid on average 22.05% more than drivers with a clean record

Most Popular Vehicle Riverside

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Riverside is the Honda Accord.

Rude Riverside

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Riverside drivers rank 11 in rude driving infractions.

  • Rank within state: #11
  • Percent of drivers in Riverside with a reckless driving violation: 3.53%
  • Drivers in Riverside, CA with a reckless driving violation in their driving history paid on average 9.23% more than drivers with a clean record.

Safest Drivers Riverside

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Riverside drivers rank 56 in clean driving records across all cities in California.

  • Rank within state: #56
  • Percent of drivers in Riverside with clean record: 80.07%

Failure to Yield the Right of Way Riverside

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Riverside drivers rank 48 in failure to yield violations per driver across all cities in California.

  • Rank within state: #48
  • Percent of drivers in Riverside with a failure to yield violation: 0.21%
  • Drivers in Riverside, CA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Riverside

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Riverside drivers rank 48 in the number of reckless driving offenses per driver.

  • Rank within state: #48
  • Percent of drivers in Riverside with a reckless driving offense: 0.05%

Hybrid/Electric Vehicle Ownership Riverside

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Riverside drivers rank 126 in hybrid and electric vehicle ownership across all cities in California.

  • Rank within state: #126
  • Percent of drivers in Riverside with a hybrid/electric vehicle: 2.14%

FAQs - Riverside, CA Car Insurance

How do I insure my classic car in Riverside, California?

Classic cars, antiques, collectibles—there are several designations given to vehicles that are more than a transportation machine. And auto enthusiasts need special considerations for their unique cars. If you have a classic car, it’s best to go with a company that specializes in vintage and collectible cars. Because these cars require different care and undergo radically different use than a practical vehicle, a regular policy may leave gaps in coverage. This is especially true for comprehensive coverage of vehicles with special repairs, restoration, or upgrades. These can change the value of your car drastically, so it is essential to reach an agreement with your insurer about your car’s value.

Which car insurance company offers the cheapest rates in Riverside, California?

The best way to get the cheapest car insurance in Riverside and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Why is California car insurance so expensive?

LA and its surrounding suburbs, including Riverside, boast the highest car insurance premiums in all of California. Due to the high volume of cars on the road, insurers increase their pricing in order to protect all drivers. High risk of natural disasters in the area also increases insurance premiums.

Will my credit score affect my car insurance rates in Riverside?

No. Unlike the majority of the United States, California has outlawed the practice of using credit-based insurance scores to help determine the risk of a policyholder. That means that car insurance companies are not allowed to hold your low credit score against you by increasing your rate. Credit scores are calculated based on information from your credit report and are used by lending institutions to determine how likely it is that you'll repay a loan on time. They also help creditors determine interest rates and loan qualifications. Credit-based insurance scores don't factor in your job, income history, gender, or any other personal information. Car insurance companies may use these variables to help determine the likelihood of an insurance claim in the future.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.