Cheapest Car Insurance in Riverview, Florida (2024)

Riverview drivers pay an average of $230 per month for liability car insurance.

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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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated December 19, 2024

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Cheapest recent rates near Riverview, Florida

Recent Riverview, Florida car insurance prices for Ford, Chrysler, Nissan , and more.

*Quotes generated for Insurify users in and around Riverview, Florida within the last 10 days. Last updated on December 19, 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 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Riverview, Florida within the last 10 days. Last updated on December 19, 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 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

On average, drivers in Riverview pay $230 per month for a liability-only auto policy. This is more than Florida’s average monthly car insurance cost of $156. Florida drivers pay so much for car insurance partly due to the state’s severe weather risk, as it endures many hurricanes. Still, plenty of cheap car insurance options are at your disposal.

Here’s what you need to know about comparing quotes and finding affordable car insurance coverage in Riverview.

Quick Facts
  • Hugo, State Farm, and GEICO are some of the cheapest car insurance companies in Riverview.

  • Riverview is a suburb of Tampa, which is the third-largest city in Florida. A city’s population size can influence car insurance rates because more traffic increases the likelihood of car accidents.

  • Florida requires drivers to carry personal injury protection (PIP) coverage.

3 of the cheapest car insurance companies in Riverview

Many factors affect car insurance rates, including your age, your ZIP code, the type of car you drive, and the coverage levels you choose. The cheapest car insurance company for someone else might not be the cheapest car insurance company for you.

The three insurers in the table below generally offer competitive rates in Riverview, and they’re a good place to start your search.

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
Hugo7.0$257$342
State Farm9.3$84$68
GEICO9.0$86$70
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 55,000 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.

Hugo

Hugo logo
User Reviews
4.1
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.
7.0 /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.
$342/mo
4.1
Best choiceBased on 127 verified guest reviews and ratings
How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo

Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (49)

Natalie

December 5, 2024

Verified Purchase

Great! Affordable Insurance!

Excellent! It fits perfectly into my budget. It gives me peace of mind every time I head out.

Marcus

December 2, 2024

Verified Review

Bad Company

They never sent the state a record that I had insurance.

Sara

November 26, 2024

Verified Review

Poor

The service is poor, but they allow pay-as-you-go.
See all Hugo 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

If you need short-term car insurance in Florida, Hugo is a great option. You can get coverage for as little as three days at a time, and the insurer doesn’t require a down payment or up-front fees. Hugo’s flexibility might appeal to drivers, but the company only has minimum liability coverage policies, which might not offer enough financial protection.

Pros
  • Pay-as-you-go coverage

  • Can start and stop coverage as needed

Cons
  • Available in only 13 states

  • Full-coverage policies aren’t available

State Farm

State Farm logo
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.
9.3 /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.
$81/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.
$101/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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).
A++
Why we picked this company

State Farm is the largest insurer in the U.S. by market share and offers competitive rates in Riverview. It has high customer and claims satisfaction ratings from J.D. Power in many regions across the U.S., including Florida. And drivers can save with multiple discounts, including those for being a good student, bundling multiple policies, and having safety features installed in their vehicles.

Pros
  • Above-average J.D. Power customer satisfaction rating in Florida

  • Long-standing history in the insurance industry

Cons
  • Doesn’t offer gap insurance

  • Can’t purchase a policy online; must work with an agent

GEICO

GEICO logo
User Reviews
4.0
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.
9.0 /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.
$83/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
4.0
Best choiceBased on 10,464 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,755)

Dianna

December 19, 2024

Verified Review

Roadside Assistance

When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.

Alan

December 18, 2024

Verified Review

Satisfied but too expensive

My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.

Samol

December 18, 2024

Verified Review

Geico is Good Insurance

It's excellent, but after a few accidents, the rates are creeping upwards.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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).
A++
Why we picked this company

Florida has some of the highest car insurance rates in the country, but drivers can offset some of their car insurance costs with GEICO’s many available discounts. GEICO offers more discounts than most companies, including a 22% discount for safe drivers, a 15% military discount, and a 25% multi-vehicle discount.

Pros
  • Many available discounts

  • Above-average J.D. Power customer satisfaction rating in Florida

Cons
  • May not have the cheapest rates in Riverview

  • Doesn’t offer gap insurance

How to get the cheapest car insurance in Riverview

Each car insurer offers its own rates, coverage options, and more. Here’s how you can lock in the best deal on a policy:

  • Shop around. Many large and small car insurance companies serve Riverview drivers. Get quotes from several of them so you can determine which insurer can offer you the best coverage and premiums.

  • Look for discounts. Car insurance companies usually offer discounts for a variety of things. A few examples include accident-free or good driver discounts, military discounts, and auto-pay discounts.

  • Bundle your policies. If you have another insurance policy, like home insurance or renters insurance, consider purchasing your auto policy from the same insurer. Most insurance companies offer bundling discounts.

  • Consider usage-based insurance. Usage-based or pay-per-mile insurance might make sense if you don’t drive often because you’re retired or work from home, for example. You’ll only pay for the miles you drive and, in turn, save money on your policy.

Find Car Insurance in Riverview, Florida

Liability rates average $230 per month

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Cheapest liability-only car insurance in Riverview: State Farm

Florida law requires Riverview drivers to carry liability car insurance, at minimum. This covers the other driver’s property damage when you’re at fault for an accident. Liability insurance costs an average of $230 per month in Riverview.

You can see the average monthly rates for liability-only auto policies in Riverview in the table below.

Insurance Company
Average Monthly Quote
State Farm$84
GEICO$87
Hugo$92
Mile Auto$147
Allstate$148
Safeco$166
Travelers$176
Mercury$177
Liberty Mutual$182
Direct Auto$188
Midvale Home & Auto$214
Progressive$220
Infinity$227
Foremost$251
Dairyland$261
GAINSCO$263
AssuranceAmerica$293
Bristol West$312
National General$355
The General$376
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.

Cheapest full-coverage car insurance in Riverview: State Farm

Full-coverage car insurance typically includes three separate policies: liability coverage, collision coverage, and comprehensive coverage. If you took out a car loan or lease, your lender will probably require it.

Riverview drivers pay a monthly average of $329 for full-coverage policies.

These are the best monthly rates for full-coverage car insurance in Riverview.

Insurance Company
Average Monthly Quote
State Farm$99
GEICO$103
Allstate$173
Safeco$201
Mile Auto$204
Travelers$205
Mercury$212
GAINSCO$293
Hugo$307
Liberty Mutual$309
Progressive$310
Infinity$315
Midvale Home & Auto$323
Direct Auto$340
National General$369
Foremost$380
Dairyland$459
AssuranceAmerica$464
Bristol West$464
The General$544
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.

Cheapest recent rates near Riverview, Florida

Recent Riverview, Florida car insurance prices for Chevrolet, GMC, Nissan , and more.

*Quotes generated for Insurify users in and around Riverview, Florida within the last 10 days. Last updated on December 19, 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 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Riverview, Florida within the last 10 days. Last updated on December 19, 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 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Florida

Unlike other states, Florida’s auto insurance requirements don’t include bodily injury coverage. Instead, drivers must have at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability.[1] PIP pays for medical expenses after an accident, regardless of who’s at fault.

Coverage
Minimum Requirements
Personal injury protection (PIP)$10,000
Property damage liability$10,000

Optional car insurance coverage in Florida

If you want more car insurance protection in Florida, you may want to consider adding these optional coverages to your policy:

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Bodily injury liability coverage

    While you don’t need bodily injury liability coverage to drive legally in Florida, it can help pay for someone else’s injuries if you cause a car accident.

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    Collision coverage

    Collision insurance can cover repairs or a replacement if your car is in an accident with another vehicle or stationary object.

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

    Comprehensive coverage

    Comprehensive insurance covers vehicle damage from events other than car accidents, such as fire, theft, and vandalism.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUIs are incidents that can influence your car insurance premiums. If you have an incident on your driving record, most car insurers will consider you a riskier driver and charge you more. You’ll pay the lowest rates if you have a clean record.

Find Cheap Car Insurance in Riverview

Liability rates average $230 per month

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: State Farm

Speeding increases the likelihood of losing control of your vehicle and is one of the most common causes of accidents.[2] If you have a speeding ticket, you’ll face higher car insurance premiums than drivers without speeding tickets.

Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm$85$101
GEICO$87$105
Hugo$93$110
Mile Auto$148$184
Allstate$150$179
Safeco$168$205
Travelers$177$214
Mercury$178$230
Liberty Mutual$184$240
Direct Auto$190$227
Progressive$222$266
Infinity$229$285
Foremost$253$330
Dairyland$263$316
GAINSCO$266$346
AssuranceAmerica$296$359
Bristol West$315$378
National General$358$431
The General$380$461
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.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you’re found responsible for a car accident, you’ll have to pay more for your auto policy since insurers will consider you riskier to insure. Some insurers are more lenient than others when it comes to drivers with accidents on their records, as you can see below.

Insurance Company
Clean Driving Record
With At-Fault Accident
State Farm$85$108
GEICO$87$113
Hugo$93$129
Mile Auto$148$200
Allstate$150$192
Safeco$168$210
Travelers$177$229
Mercury$178$245
Liberty Mutual$184$254
Direct Auto$190$250
Progressive$222$289
Infinity$229$290
Foremost$253$350
Dairyland$263$337
GAINSCO$266$327
AssuranceAmerica$296$377
Bristol West$315$403
National General$358$462
The General$380$496
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.

Cheapest car insurance for drivers with a DUI: State Farm

Florida law severely penalizes drivers with DUIs. If you’re convicted of a DUI in Florida, you could face penalties like fines, jail time, and more expensive car insurance premiums. Riverview drivers with DUIs on their records pay much more for car insurance than drivers with clean records.

Insurance Company
Clean Driving Record
With DUI
State Farm$85$135
GEICO$87$138
Hugo$93$147
Mile Auto$148$235
Allstate$150$237
Safeco$168$266
Travelers$177$279
Mercury$178$256
Liberty Mutual$184$291
Direct Auto$190$300
Progressive$222$351
Infinity$229$362
Foremost$253$400
Dairyland$263$416
GAINSCO$266$420
AssuranceAmerica$296$467
Bristol West$315$498
National General$358$566
The General$380$600
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.

Cheapest car insurance for seniors: State Farm

Studies show that senior drivers have higher death rates than middle-aged drivers.[3] That’s why average car insurance rates typically decrease around age 25 and increase again around age 70. But seniors in Riverview can still find cheap car insurance with the right insurer.

Insurance Company
Liability Only
Full Coverage
State Farm$77$66
GEICO$82$69
Allstate$138$118
Mile Auto$153$110
Travelers$160$137
Mercury$163$136
Safeco$168$139
Progressive$221$156
Infinity$237$171
Hugo$242$72
GAINSCO$244$220
Liberty Mutual$256$151
Direct Auto$263$146
National General$282$270
Foremost$299$198
AssuranceAmerica$348$220
Dairyland$363$207
Bristol West$369$248
The General$440$305
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.

Cheapest car insurance for teens: GEICO

Teenagers don’t have a lot of driving experience, so they’re riskier for car insurers.[4] The good news is they can save money on an auto policy if they stay on their parents’ insurance and take advantage of good student discounts.

Insurance Company
Liability Only
Full Coverage
GEICO$158$133
State Farm$164$140
Allstate$298$255
Travelers$361$309
Mercury$371$309
Mile Auto$386$278
Safeco$392$325
Hugo$488$147
GAINSCO$498$447
Liberty Mutual$534$315
Progressive$538$382
Infinity$558$403
Direct Auto$604$334
Foremost$658$435
National General$712$683
Dairyland$733$416
Bristol West$764$514
AssuranceAmerica$835$527
The General$842$582
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.

Compare Riverview Car Insurance Quotes

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Riverview car insurance quotes by credit tier

If you have good or excellent credit, car insurance companies may reward you with cheaper premiums since drivers with strong credit usually file fewer claims than drivers with lower credit scores. Drivers with bad credit typically pay more for car insurance.

Rates by Credit Tier

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.

Is car insurance more expensive in Riverview?

The average cost of car insurance in Riverview is $279 per month, which is significantly higher than the national average of $153. When you look at average rates for other cities in Florida, you’ll find that they vary greatly due to factors like population, weather conditions, and accident rates.

Riverview car insurance FAQs

Finding the right car insurance can be difficult. The answers below should make the process of finding the best auto coverage for you in Riverview a little easier.

  • How much is car insurance in Riverview?

    On average, Riverview drivers pay $279 per month for car insurance. Liability-only coverage is $230 per month, and full coverage costs $329 per month. Coverage in Riverview costs more than the state average of $201. Your rate will depend on your driving record, credit history, age, vehicle type, insurer, and more.

  • Which company has the cheapest car insurance in Riverview?

    State Farm consistently has some of the cheapest car insurance in Riverview. Other affordable insurers include Allstate and GEICO.

  • What factors affect the cost of car insurance in Riverview?

    Like any city, factors like your driving record, age, credit score, ZIP code, and more affect how much you pay for car insurance in Riverview. Make sure to drive safely, keep your driving record clean, and maintain strong credit to keep your auto insurance rates low. If you want to lower your rates even further, shop around for car insurance and apply for discounts.

  • How much car insurance do you need in Florida?

    Florida drivers must carry $10,000 of property damage liability insurance and $10,000 of personal injury protection (PIP) coverage.

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

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.

Anna has been a contributor at Insurify since December 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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