Best Cheap Auto Insurance in Riverview, Florida (2024)

Riverview drivers pay an average of $550 per month for 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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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated July 14, 2024

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Cheapest recent rates near Riverview, Florida

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

*Quotes generated for Insurify users in and around Riverview, Florida within the last 10 days. Last updated on July 11, 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 July 11, 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 July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

On average, drivers in Riverview pay $426 for a liability-only auto policy. This is more than Florida’s average monthly car insurance cost of $376. 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.

Hugo, State Farm, and GEICO are a few reputable insurers with great deals for Riverview drivers. Here’s what you need to know about finding cheap car insurance in Riverview.

Quick Facts
  • Car insurance in Florida costs more than it does in most other states.

  • Insurers in Florida can consider your credit score when determining your premium.

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

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Best car insurance companies in Riverview

To find the right car insurance company, consider factors like your budget, coverage needs, and driving record. In Riverview, two of the cheapest auto insurers you might want to explore include Hugo and State Farm. While Hugo offers the lowest rates for liability-only policies, State Farm provides the most affordable full-coverage insurance.

Best pay-as-you-go insurance: Hugo

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User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.0/10
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.
$91/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$303/mo

Founded in 2021, Hugo specializes in pay-as-you-drive liability auto policies. The insurer currently only offers coverage in select states, including California, Florida, and Texas. Drivers have several plan options to choose from and can start and stop coverage as they need. Hugo may be a good choice if you only drive occasionally and are looking for flexible car insurance, especially if you don’t want to worry about a down payment or up-front fees.

Pros
  • Unique pay-as-you-go plans

  • Policyholders can start and stop coverage

  • Cost-effective insurance for infrequent drivers

Cons
  • Daily drivers may find cheaper rates through another insurer

  • Only a few coverage types

  • Must live in one of nine states to receive coverage

Read more driver reviews of Hugo
Jennifer - July 13, 2024
Verified

Rate Increase If You Turn Off and On

I can't say much except that I don't like the rate hike because I didn't use it.

Deborah - June 30, 2024
Verified

Excellent

It's a weekly policy and only covers liability.

Makayla - June 24, 2024
Verified

New Insurance

The process was very easy and helpful for me.

Best insurance for affordability and reliability: State Farm

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User Reviews
3.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
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.
$84/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.
$98/mo

State Farm has been in the car insurance industry for more than 100 years. The insurer offers various car insurance options, including liability coverage, collision coverage, comprehensive coverage, and non-standard policies, like rideshare coverage and emergency road service.

With its Drive Safe & Save program, you can download a mobile app, track your driving, and score discounts on your premiums. State Farm should be on your radar if you’re searching for a larger insurance company with many products.

Pros
  • Best rating in Florida in J.D. Power’s 2023 Auto Insurance Study[1]

  • Strong financial strength rating from A.M. Best[2]

  • Drive Safe & Save program can lead to discounts

Cons
  • Gap insurance not available

  • Must work with a local agent to purchase a policy

  • Limited discounts

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

Best insurance for discounts: GEICO

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User Reviews
3.1
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.
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.
$86/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

GEICO offers more discounts than most companies, including a 22% discount for good drivers, a 15% military discount, and a 25% multi-vehicle discount. The company has an A++ (Superior) financial strength rating from A.M. Best, the highest available grade.

GEICO ranks slightly above average for claims satisfaction by J.D. Power and had fewer complaints with the National Association of Insurance Commissioners (NAIC) in 2022 for a company of its size. However, it offers few additional coverages beyond the standard auto insurance types.

Pros
  • Above-average rating in J.D. Power’s 2023 Auto Insurance Study

  • A++ financial strength rating from A.M. Best

  • Offers many discounts

Cons
  • Offers few additional coverages outside of standard full-coverage insurance

  • Not the cheapest option in Riverview

  • Doesn’t offer gap insurance

Read more driver reviews of GEICO
Scott - July 14, 2024
Verified

Harley Davidson for an Old Man

I feel safe with my motorcycle.

Andrew - July 14, 2024
Verified

Policy Cancelled for Illegitimate Reason

I would definitely recommend setting up your policy over the phone with a representative, or in person if possible.

Patricia - July 14, 2024
Verified

Too Expensive!

I had one accident and my monthly rate jumped from $80.00 to $242.00. Not good!

Cheapest liability-only car insurance in Riverview

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

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$84
GEICO$86
Hugo$91
Mile Auto$145
Allstate$146
Safeco$164
Travelers$173
Mercury$175
Liberty Mutual$180
Direct Auto$186
Midvale Home & Auto$212
Progressive$217
Infinity$224
Foremost$248
Dairyland$258
GAINSCO$261
AssuranceAmerica$289
Bristol West$309
National General$350
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 Riverview

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 may require it. 

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

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$98
GEICO$101
Allstate$171
Safeco$198
Mile Auto$202
Travelers$203
Mercury$210
GAINSCO$289
Hugo$303
Liberty Mutual$305
Progressive$307
Infinity$311
Midvale Home & Auto$318
Direct Auto$336
National General$364
Foremost$375
Dairyland$454
AssuranceAmerica$459
Bristol West$459
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 Riverview, Florida

Recent Riverview, Florida car insurance prices for Chevrolet, Ford, Hyundai , and more.

*Quotes generated for Insurify users in and around Riverview, Florida within the last 10 days. Last updated on July 11, 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 July 11, 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 July 11, 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 July 11, 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 for personal injury protection (PIP) and $10,000 for property damage liability.[3] PIP pays for medical expenses after an accident, regardless of who’s at fault.

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

Optional car insurance

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/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability insurance

    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/x/169fdfde11/liability-coverage.svg

    Collision insurance

    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 insurance

    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 examples of incidents that can influence your car insurance premiums. If your driving record has an incident, 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.

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Cheapest car insurance for drivers with a speeding ticket

Speeding increases the likelihood of losing control of your vehicle and is one of the most common causes of accidents.[4] If you have a speeding ticket, you’ll face higher car insurance premiums than drivers without speeding tickets.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm$115$99
GEICO$120$102
Allstate$202$173
Safeco$238$197
Travelers$243$207
Mile Auto$255$183
Mercury$268$224
Progressive$365$258
GAINSCO$379$342
Hugo$380$114
Infinity$386$278
Midvale Home & Auto$392$261
Direct Auto$399$221
Liberty Mutual$399$236
National General$430$414
Foremost$491$325
Bristol West$541$364
Dairyland$541$307
AssuranceAmerica$555$349
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

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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm$125$107
GEICO$130$110
Allstate$219$187
Safeco$246$204
Travelers$261$223
Mile Auto$279$200
Mercury$286$238
GAINSCO$355$321
Hugo$374$112
Infinity$392$283
Progressive$399$282
Liberty Mutual$427$252
Midvale Home & Auto$432$288
Direct Auto$440$244
National General$470$452
Foremost$525$347
Bristol West$580$390
Dairyland$580$329
AssuranceAmerica$587$369
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

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 those with clean records.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm$157$134
GEICO$161$137
Allstate$273$233
Mile Auto$288$207
Mercury$301$251
Safeco$317$262
Travelers$325$277
Hugo$426$128
GAINSCO$462$417
Liberty Mutual$488$288
Progressive$491$347
Infinity$497$358
Midvale Home & Auto$508$339
Direct Auto$537$297
National General$582$560
Foremost$600$396
Dairyland$726$412
AssuranceAmerica$734$462
Bristol West$734$494
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

Studies show that senior drivers have higher death rates than middle-aged drivers.[5] That’s why average car insurance rates typically decrease around age 30 and increase again around age 75. However, seniors in Riverview can still find cheap car insurance with the right insurer.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm$57$49
GEICO$64$54
Allstate$109$93
Mile Auto$124$89
Travelers$127$108
Mercury$130$108
Safeco$137$113
Progressive$158$112
Hugo$177$53
Infinity$190$137
Midvale Home & Auto$192$128
Liberty Mutual$198$117
Direct Auto$212$117
GAINSCO$219$198
Foremost$240$159
National General$240$230
AssuranceAmerica$285$179
Dairyland$300$171
Bristol West$303$204
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

Teenagers don’t have a lot of driving experience, so they’re riskier for car insurers.[6] 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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
GEICO$148$126
State Farm$155$133
Allstate$281$240
Travelers$343$292
Mercury$357$298
Mile Auto$369$265
Safeco$388$321
GAINSCO$480$433
Hugo$493$148
Midvale Home & Auto$512$342
Progressive$519$367
Liberty Mutual$526$310
Infinity$535$385
Direct Auto$574$318
Foremost$623$412
National General$661$635
Dairyland$705$401
Bristol West$729$491
AssuranceAmerica$800$503
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.

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 autopay 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.

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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 those with lower credit scores. Drivers with bad credit typically pay much 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 $550 per month, which is significantly higher than the national average of $212. 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.

More cities in Florida

Here’s a look at the average quotes for full-coverage car insurance in other Florida cities compared to Riverview’s average of $623 per month.

CityAverage Monthly QuoteCompared to Riverview
Fort Lauderdale$565-9%
Fort Myers$435-30%
Hollywood$573-8%
Jacksonville$516-17%
Kissimmee$544-13%
Lakeland$511-18%
Miami$594-5%
Ocala$442-29%
Orlando$550-12%
Pompano Beach$559-10%
Saint Petersburg$541-13%
Tampa$6789%
West Palm Beach$6667%
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.

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 $550 per month for car insurance. Liability-only coverage is $144 per month, and full coverage costs $623 per month on average. Coverage in Riverview costs more than the state average of $376. Your specific rate will depend on your driving record, credit history, age, vehicle type, insurer, and more.

  • What are the best car insurance companies in Riverview?

    State Farm is the best car insurance company in Riverview, thanks to its Insurify Quality (IQ) Score of 4.4, high claims satisfaction ranking from J.D. Power, and quality coverage. Other top insurers in the city include GEICO and Hugo.

  • 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 a strong credit score 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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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