Best Riverside, California Auto Insurance in 2026 (Check Out the Top 10 Companies)

Geico, State Farm, and Progressive offer the best Riverside, California auto insurance with rates starting at $70/month. Geico is ideal for good drivers, State Farm has the cheapest rates, and Progressive provides flexible plans. Compare these options for affordable coverage in Riverside, California.

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AllstateState FarmNationwideLiberty MutualFarmers Insurance
Kalyn Johnson

Insurance Claims Support & Sr. Adjuster

Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...

Written by
Kalyn Johnson
Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Reviewed by
Brad Larson

Updated October 2024

Top Riverside CA Pick: Geico
4.4

Company Facts

Full Coverage in Riverside CA

$130/mo

A.M. Best

A++

Complaint Level

Low

Pros & Cons

  • Cheap for safe drivers
  • High satisfaction ratings
  • Great app and website
  • Lots of discounts
  • Strong financial backing
  • No gap coverage
  • Pricey after a DUI
  • Few local agents
Best Riverside CA Rates: State Farm
4.3

Company Facts

Full Coverage in Riverside CA

$145/mo

A.M. Best

A++

Complaint Level

Low

Pros & Cons

  • Competitive rates
  • Flexible coverage
  • Multiple discounts
  • High claims satisfaction
  • Financially stable
  • High-risk driver costs
  • Limited digital tools
  • Varies by location
Best Riverside CA Plans: Progressive
4.3

Company Facts

Full Coverage in Riverside CA

$140/mo

A.M. Best

A+

Complaint Level

Med

Pros & Cons

  • Good rates for high-risk drivers
  • Fast, easy online quotes
  • Snapshot rewards safe driving
  • Many coverage options
  • Nationwide availability
  • Costly for teen drivers
  • So-so customer service
  • Snapshot can raise risky drivers’ rates

The best Riverside, California auto insurance companies are Geico, State Farm, and Progressive, with rates starting at $70/month.

Best Riverside, California Auto Insurance: Geico, State Farm, and Progressive

Geico stands out for good drivers, while State Farm offers the cheapest rates, and Progressive provides flexible plan options. Driving record, commute length, and coverage needs are factors that affect auto insurance rates.

Our Top 10 Company Picks: Best Riverside, California Auto Insurance

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
Geico: Best Riverside, California Auto Insurance#115%A++Good DriversGeico
State Farm: Best Riverside, California Auto Insurance#217%BCheap RatesState Farm
Progressive: Best Riverside, California Auto Insurance#312%A+Flexible PlansProgressive
Allstate: Best Riverside, California Auto Insurance#422%A+Full CoverageAllstate
Farmers: Best Riverside, California Auto Insurance#518%AComprehensive OptionsFarmers
AAA: Best Riverside, California Auto Insurance width=#614%ARoadside AssistanceAAA
USAA: Best Riverside, California Auto Insurance#713%A++Military BenefitsUSAA
Liberty Mutual: Best Riverside, California Auto Insurance#820%ACustom PoliciesLiberty Mutual
Nationwide: Best Riverside, California Auto Insurance#919%A+Widespread AvailabilityNationwide
The Hartford: Best Riverside, California Auto Insurance#1011%A+Senior BenefitsThe Hartford

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Reading customer reviews and getting quotes from multiple providers can help you make an informed decision. Compare these top companies to find affordable and comprehensive coverage in Riverside, California.

Start saving on your auto insurance by entering your ZIP code above and comparing quotes.

Things to Remember

  • Compare the best Riverside, California auto insurance rates based on key factors
  • Geico is the top pick for good drivers, with State Farm offering the cheapest rates
  • Progressive stands out with flexible plans for various coverage needs

#1 – Geico: Top Overall Pick

Pros

  • Good Driver Discounts: It is a great option for safe drivers since it provides the finest Geico insurance discounts for good drivers in Riverside, California.
  • Low Monthly Rates: Geico offers competitive minimum coverage rates at $75 per month for Riverside, California, residents.
  • Policies Addressing Bundling: In Riverside, California, Geico provides a 15% reduction on home and vehicle insurance bundles.

Cons

  • Restricted Coverage Alternatives: Geico’s auto insurance may lack some advanced coverage options compared to other providers in Riverside, California.
  • Help Concerns of Customers: Some customers in Riverside have reported mixed experiences with Geico’s customer service.

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#2 – State Farm: Best for Cheap Rates

Pros

  • Budget-Friendly Coverage: According to our State Farm auto insurance review, it is a reputable provider of reasonably priced vehicle insurance in Riverside, California, with minimal coverage as little as $80 per month.
  • Dependable Discounts:  State Farm is a good choice for Riverside clients looking to save money because they may receive a 17% reduction when they bundle insurance.
  • Strong Local Accessibility:  With plenty of local offices, State Farm makes it easy for Riverside residents to handle insurance matters in person.

Cons

  • Moderate Multi-Policy Savings:  While State Farm provides bundling discounts, they may not be as competitive as other insurance providers in Riverside, California.
  • Basic Online Features:  State Farm’s online tools for managing policies in Riverside could be more advanced and user-friendly.

#3 – Progressive: Best for Flexible Plans

Pros

  • Tailored Coverage Plans: Progressive provides Riverside, California customers with customizable coverage plans that enable customized coverage to fit unique needs.
  • Affordable Rates: Progressive auto insurance review provides minimum coverage rates as low as $78 per month in Riverside, California.
  • Bundling Savings: Progressive offers a 12% discount for bundling auto insurance with other policies, helping Riverside residents save more.

Cons

  • Claim Satisfaction: Some Progressive customers in Riverside have reported lower satisfaction with the claims process.
  • Higher Premiums for High-Risk Drivers: Progressive’s rates can be higher for Riverside residents with a history of accidents or violations.

#4 – Allstate: Best for Full Coverage

Pros

  • Alternatives for Complete Coverage: When it comes to offering Riverside, California residents complete, full coverage vehicle insurance that protects against a range of risks, Allstate is the best.
  • Minimal Coverage Costs:  Allstate provides affordable minimal coverage costs in Riverside, with monthly rates beginning at $85 each month.
  • Savings on Bundling: Riverside, California homeowners who combine their home and auto insurance policies can receive savings of up to 22% from Allstate auto insurance review.

Cons

  • Increased Full Coverage Costs: In comparison to other providers, Allstate’s full coverage insurance in Riverside may be more costly.
  • Mixed Claim Experiences: Some Riverside, California policyholders have reported varied experiences with Allstate’s claims handling process.

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#5 – Farmers: Best for Comprehensive Options

Pros

  • Solutions for Comprehensive Coverage: In Riverside, California, Farmers is renowned for providing an extensive range of auto insurance solutions, including premium coverage for intricate requirements.
  • Reasonably Priced Minimal Coverage: Farmers provides minimal coverage prices for drivers in Riverside, California, beginning at $82 per month.
  • Bundling Discount: Farmers auto insurance discounts provides provides up to an 18% discount for bundling auto insurance with other types of coverage in Riverside.

Cons

  • Premiums for Custom Coverage: Customized coverage options can lead to higher premiums for Farmers auto insurance in Riverside, California.
  • Slower Claims Process: Some Riverside residents have reported slower claims processing times with Farmers.

#6 – AAA: Best for Roadside Assistance

AAA: Best Bradenton, Florida Auto Insurance, Car Insurance.

Pros

  • Excellent Roadside Assistance: AAA is known for its industry-leading roadside assistance program, making it a great choice for drivers in Riverside, California.
  • Competitive Minimum Coverage Rates: AAA offers minimum coverage rates at $90 per month for Riverside residents.
  • Bundling Savings: AAA auto insurance review emphasizes up to a 14% discount for bundling auto insurance with other services in Riverside, California.

Cons

  • Membership Requirement: AAA auto insurance in Riverside, California requires a membership, which may add to the cost.
  • Higher Premiums for Full Coverage: Full coverage policies with AAA in Riverside can be pricier compared to other companies.

#7 – USAA: Best for Military Benefits

Pros

  • Tailored Military Advantages:  USAA offers unique advantages to active military troops and their families in Riverside, California.
  • Attractive Entry-Level Rates: With minimal coverage prices starting at $70 per month, USAA auto insurance review provides very cheap rates for Riverside drivers.
  • Making the Most of Discounts:  Riverside military people may save up to 13% when they combine their home and vehicle insurance with USAA.

Cons

  • Restrictions on Eligibility:  Riverside residents who are not military members are not eligible for USAA; it is exclusively offered to military personnel and their families.
  • Restricted Local Agents:  Riverside customers who prefer in-person service may find it problematic since USAA has fewer physical offices and agents.

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#8 – Liberty Mutual: Best for Custom Policies

Pros

  • Particularized Insurance Alternatives: Riverside, California drivers may choose from a variety of flexible and personalized vehicle insurance products from Liberty Mutual.
  • Reasonably Offered Minimum Coverage Rates: Liberty Mutual offers affordable minimum coverage in Riverside, with monthly rates as low as $88.
  • Bundling Benefits: Based on our Liberty Mutual auto insurance review, Riverside residents can get a 20% discount when they bundle their auto and home insurance with Liberty Mutual.

Cons

  • High Premiums for Comprehensive Coverage: If you’re considering comprehensive coverage with Liberty Mutual in Riverside, keep in mind that it may come with higher costs.
  • Uneven Customer Service Experiences: A few Riverside clients have mentioned varying levels of satisfaction with Liberty Mutual’s customer service.

#9 – Nationwide: Best for Widespread Availability

Nationwide: Best Bradenton, Florida Auto Insurance, Car Insurance.

Pros

  • Widespread Availability: Nationwide’s extensive network makes it easy to find coverage and support throughout Riverside, California.
  • Low Rates for Minimum Coverage: Nationwide offers competitive minimum coverage rates in Riverside starting at $83 per month.
  • Bundling Discount: Our Nationwide auto insurance review highlighted a bundling discount of up to 19% for Riverside, California policyholders who combine home and auto insurance.

Cons

  • Higher Costs for Full Coverage: Full coverage auto insurance from Nationwide in Riverside can be pricier than minimum coverage.
  • Limited Local Support: Some Riverside residents may find limited access to local Nationwide agents.

#10 – The Hartford: Best for Senior Benefits

The Hartford

Pros

  • Advantages for Seniors: The Hartford is well-known in Riverside, California for providing senior drivers with specific perks for auto insurance.
  • Low Rates for Minimum Coverage: According to our guide about The Hartford auto insurance review,  it offers reasonable minimum coverage prices beginning at $87 per month in Riverside.
  • Bundling Discounts: The Hartford offers an 11% bundling discount for Riverside residents combining auto insurance with other coverage options.

Cons

  • Higher Premiums for Younger Drivers: Younger drivers in Riverside may find The Hartford’s premiums higher compared to senior-focused rates.
  • Limited Online Tools: The Hartford’s online tools and mobile app could be more user-friendly for Riverside policyholders.

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Minimum Auto Insurance in Riverside, California

Riverside, California auto insurance requirements are set by state law. State law mandates minimum liability coverage levels of $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 in property damage liability. These minimums ensure that drivers are financially responsible in the event of an accident, covering medical costs and damages to other vehicles or property.

Here’s a breakdown of average monthly premiums for both minimum auto insurance and full coverage from top providers in Riverside, California:

Riverside, California Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
AAA: Best Riverside, California Auto Insurance width=$90$155
Allstate: Best Riverside, California Auto Insurance$85$150
Farmers: Best Riverside, California Auto Insurance$82$147
Geico: Best Riverside, California Auto Insurance$75$130
The Hartford: Best Riverside, California Auto Insurance$87$152
Liberty Mutual: Best Riverside, California Auto Insurance$88$160
Nationwide: Best Riverside, California Auto Insurance$83$148
Progressive: Best Riverside, California Auto Insurance$78$140
State Farm: Best Riverside, California Auto Insurance$80$145
USAA: Best Riverside, California Auto Insurance$70$125

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Geico and USAA offer some of the lowest rates for both minimum and full coverage. Keep in mind that rates can vary based on factors like driving history, vehicle type, and credit score.

Best Riverside, California Auto Insurance: Collision vs. Comprehensive Auto Insurance Definition Card

While meeting these requirements is essential, opting for higher coverage or full coverage may be wise, especially if you own a more expensive vehicle or want added protection. Full coverage typically includes collision and comprehensive coverage, which protect your vehicle from damages caused by accidents, weather, or theft.

Navigating Affordable Auto Insurance in Riverside, California

Finding cheap auto insurance in Riverside can seem like a difficult task, but all of the information you need is right here. Below, we explore some key factors, starting with the most common types of claims in the area and followed by comparisons to other cities, discount opportunities, and an overall evaluation of Riverside’s auto insurance landscape.

5 Most Common Auto Insurance Claims in Riverside, California

Claim TypePortion of ClaimsCost per Claim
Rear-end Collision35%$4,800
Single Vehicle Accident25%$6,500
Weather-related Damage15%$5,200
Vandalism/Theft12%$3,400
Animal Collision8%$3,100

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Rear-end collisions and single-vehicle accidents dominate claim reports in Riverside, with claims costing thousands of dollars. These figures emphasize the importance of finding coverage that can protect you from costly out-of-pocket expenses.

Comparing Riverside’s rates to other California cities like San Francisco auto insurance rates, Anaheim auto insurance rates, and Sacramento auto insurance rates, can also help you understand how competitive rates are in Riverside.

Unlocking the Riverside, California Claims, Discounts, and Rates

Finding affordable auto insurance in Riverside can feel overwhelming, but with the right information, it’s entirely manageable. Below, we provide essential data on common claims, city-by-city comparisons, and available discounts to help you make an informed decision.

Riverside, California Accidents & Claims per Year by City

CityAccidents per YearClaims per Year
Corona850700
Hemet500400
Moreno Valley900750
Riverside1,4001,200
Temecula700550

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With 1,400 accidents and 1,200 claims annually, Riverside leads in incidents compared to neighboring cities, further underlining the importance of comprehensive auto insurance coverage. To gain full details, read our guide on how to file an auto insurance claim.

Riverside, California Report Card: Auto Insurance Discounts

Discount NameGradeSavingsParticipating Providers
Good Driver DiscountA15%State Farm, Geico, Allstate
Multi-Policy Discount A-12%Farmers, Liberty Mutual, USAA
Safe Vehicle Discount B+8%Progressive, Nationwide
Defensive Driving CourseB7%Allstate, State Farm
Low Mileage Discount B-6%Liberty Mutual, Geico

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These discounts can significantly reduce your premium, with savings reaching up to 15% for good drivers. Many major providers in Riverside offer these benefits, making it easier to find cost-effective coverage.

Riverside, California Report Card: Auto Insurance Premiums

CategoryGradeExplanation
Coverage OptionsAWide variety of coverage options across providers.
Discount Availability A-Many providers offer a range of discounts.
Overall AffordabilityBPremiums are higher than the national average.
Customer ServiceBMixed customer satisfaction, depends on provider.
Claims Processing B-Some delays, but generally resolved within a reasonable time.

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Riverside’s premiums tend to be higher than the national average, but the wide selection of coverage options and discounts helps to offset costs for drivers.

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Best Deals on Riverside, California Auto Insurance by Age, Gender, and Marital Status

In Riverside, California, auto insurance rates are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Riverside, California Full Coverage Auto Insurance Monthly Rates by Age, & Gender

Insurance CompanyAge: 17 FemaleAge: 17 MaleAge: 25 FemaleAge: 25 MaleAge: 35 FemaleAge: 35 MaleAge: 60 FemaleAge: 60 Male
Allstate TablePress Logo$252$252$184$185$702$884$324$356
Farmers TablePress Logo$239$239$216$216$760$1,243$283$315
Geico TablePress Logo$149$149$140$140$454$461$214$219
Liberty Mutual TablePress Logo$198$187$184$178$431$460$222$225
Nationwide TablePress Logo$275$262$241$227$703$776$328$324
Progressive TablePress Logo$153$157$130$154$408$492$220$237
State Farm TablePress Logo$299$299$268$268$553$686$331$342
Travelers TablePress Logo$213$206$188$186$441$505$277$271
USAA TablePress Logo$159$151$155$156$362$365$220$208

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Finding cheap teen auto insurance in Riverside, California, can be challenging. It would be best if you compare companies with the cheapest teen auto insurance. Here are the monthly rates.

Riverside, CA Auto Insurance Monthly Rates for Teens

Insurance CompanyAge: 17 FemaleAge: 17 Male
Allstate TablePress Logo$702$884
Farmers TablePress Logo$760$1,243
Geico TablePress Logo$454$461
Liberty Mutual TablePress Logo$431$460
Nationwide TablePress Logo$703$776
Progressive TablePress Logo$408$492
State Farm TablePress Logo$553$686
Travelers TablePress Logo$441$505
USAA TablePress Logo$362$365

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What are senior auto insurance rates in Riverside, California? Take a look at the monthly average rates for male and female senior drivers aged 60 in Riverside

Riverside, California Auto Insurance Monthly Cost for Seniors

Insurance CompanyAge: 60 FemaleAge: 60 Male
Allstate TablePress Logo$184$185
Farmers TablePress Logo$216$216
Geico TablePress Logo$140$140
Liberty Mutual TablePress Logo$184$178
Nationwide TablePress Logo$241$227
Progressive TablePress Logo$130$154
State Farm TablePress Logo$268$268
Travelers TablePress Logo$188$186
USAA TablePress Logo$155$156

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These rates reflect an average comparison, and the actual amount seniors pay can vary depending on additional factors such as specific coverage needs, driving record, and available discounts for senior drivers.

Affordable Coverage in Riverside, California Based on Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Riverside, California compared to the annual auto insurance rates with a clean record in Riverside, California.

Riverside, California Full Coverage Auto Insurance Monthly Rates by Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate TablePress Logo$236$310$398$625
Farmers TablePress Logo$325$438$442$550
Geico TablePress Logo$168$209$260$326
Liberty Mutual TablePress Logo$226$240$303$274
Nationwide TablePress Logo$274$351$351$593
Progressive TablePress Logo$160$230$271$315
State Farm TablePress Logo$272$315$324$612
Travelers TablePress Logo$190$281$311$361
USAA TablePress Logo$147$162$220$359

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Additionally, finding cheap auto insurance after a DUI in Riverside, California is not easy. Compare the monthly rates for DUI auto insurance in Riverside, California to find the best deal.

Riverside, CA Auto Insurance Rates After a DUI

Insurance CompanyMonthly Rates
Allstate TablePress Logo$625
Farmers TablePress Logo$550
Geico TablePress Logo$326
Liberty Mutual TablePress Logo$274
Nationwide TablePress Logo$593
Progressive TablePress Logo$315
State Farm TablePress Logo$612
Travelers TablePress Logo$361
USAA TablePress Logo$359

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As the table shows, monthly premiums can vary significantly depending on the insurer. Liberty Mutual offers the lowest rate at $274.

State Farm offers the cheapest rates in Riverside, making it the top pick for budget-conscious drivers.

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While Allstate’s rate is one of the highest at $625. By comparing quotes from different providers, drivers with a DUI can still find competitive rates.

Low-Cost Auto Insurance Rates in Riverside, California by ZIP Code

Auto insurance rates by ZIP code in Riverside, California can vary. Compare the annual cost of auto insurance by ZIP code in Riverside, California to see how car insurance rates are affected by location.

Riverside, California Auto Insurance Rates by ZIP Code

ZIP CodeMonthly Rates
92501$442
92503$443
92504$443
92505$438
92506$414
92507$446
92508$429
92521$441

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The rates range from $414 to $446 per month, with ZIP code 92506 offering the lowest average rate at $414, while 92507 has the highest at $446.

These differences may seem minor, but over the course of a year, they can lead to substantial savings. Living in a ZIP code with lower rates can make a significant impact on your annual premium, so it’s worth considering these variations when shopping for insurance.

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Lowest Priced Auto Insurance in Riverside, California by Commute

Commute length and annual mileage affect Riverside, California auto insurance. Find the cheapest annual Riverside, California auto insurance by commute length. Here’s a comparison of how annual mileage impacts monthly full coverage auto insurance rates across various providers:

Riverside, California Full Coverage Auto Insurance Monthly Rates by Annual Mileage

Insurance Company6,000 Miles12,000 Miles
Allstate TablePress Logo$354$431
Farmers TablePress Logo$398$479
Geico TablePress Logo$219$263
Liberty Mutual TablePress Logo$239$282
Nationwide TablePress Logo$346$438
Progressive TablePress Logo$221$267
State Farm TablePress Logo$367$395
Travelers TablePress Logo$257$315
USAA TablePress Logo$205$239

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Still, wondering how annual mileage affects your auto insurance rates? Let’s take a look at the table shown above. Driving fewer miles per year can significantly lower your monthly premiums. Geico charges $219 for drivers who cover 6,000 miles annually, compared to $263 for those driving 12,000 miles. The same pattern holds true for most companies, so reducing your annual mileage can help secure more affordable coverage in Riverside.

Key Factors Affecting Auto Insurance Rates in Riverside, California

There are a lot of reasons why auto insurance rates in Riverside, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Riverside, California. Many local factors may affect your Riverside auto insurance rates.

Auto Insurance Discounts From the Top Providers in Riverside, California

Insurance CompanyAvailable Discounts
AAA: Best Riverside, California Auto Insurance width=AAA Member, Longevity, Group Affinity, Multiple Student, Automatic Payments
Allstate: Best Riverside, California Auto InsuranceResponsible Payer, Early Signing, EZ Pay Plan, Deductible Rewards, New Car Replacement
Farmers: Best Riverside, California Auto InsuranceBusiness/Professional Group, Signal (Telematics), Mature Driver, Alternative Fuel, Shared Family Car
Geico: Best Riverside, California Auto InsuranceFederal Employee, Seat Belt Use, Military, Emergency Deployment, Airbag, Five-Year Accident-Free
The Hartford: Best Riverside, California Auto InsuranceNew Graduate, Advanced Safety Features, New Car Replacement, Better Car Replacement, Newly Married
Liberty Mutual: Best Riverside, California Auto InsuranceSmartRide (Telematics), Farm Bureau, Accident Forgiveness, Vanishing Deductible, Paperless Documents
Nationwide: Best Riverside, California Auto InsuranceSnapshot (Telematics), Homeowner, Paperless Billing, Sign Online, Continuous Coverage
Progressive: Best Riverside, California Auto InsuranceDrive Safe & Save (Telematics), Safe Vehicle, Good Student, Steer Clear (For Young Drivers), Homeowner
State Farm: Best Riverside, California Auto InsuranceAARP Member, Paid-In-Full, Hybrid Vehicle, RecoverCare, Defensive Driver Course
USAA: Best Riverside, California Auto InsuranceFamily Legacy, Garaging On Base, Military Installation, Stored Vehicle, Annual Mileage

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More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Riverside, California auto theft statistics, there have been 1,845 auto thefts in the city.

Geico: Best Riverside, California Auto Insurance

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Riverside, California commute length is 45.5 minutes according to City-Data.

Case Studies: Finding the Best Riverside, California Auto Insurance

When finding the best Riverside, California auto insurance, comparing different providers can help you secure the lowest rates and best coverage. These highlight how Riverside drivers found the ideal insurance by evaluating factors like driving records, coverage options, and personal needs.

  • Case Study #1 — Good Driver Saves With Geico: A Riverside driver with a clean driving record was paying $120/month with their current provider. After comparing rates, they switched to Geico, securing a new rate of $70/month. The driver benefitted from Geico’s discounts for good driving.
  • Case Study #2—Affordable Rates for Young Drivers: A young driver in Riverside struggled to find affordable insurance after their policy renewal increased rates. By switching to State Farm, they locked in a lower rate that matched their budget. State Farm offered competitive prices tailored explicitly to younger drivers.
  • Case Study #3 — Flexible Coverage: A Riverside driver with a long daily commute needed a policy that could adjust to their changing mileage needs. After comparing quotes, they opted for Progressive’s flexible plan, which allowed them to customize their coverage as their driving habits changed.

By comparing the best Riverside, California auto insurance providers, drivers found the right mix of affordability and coverage tailored to their unique situations (Learn more: Why Get Multiple Auto Insurance Quotes)

Geico offers the best rates for good drivers in Riverside, California, starting at just $70 per month.

Michelle Robbins Licensed Insurance Agent

These case studies show how choosing the right insurer can lead to savings and peace of mind. Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.

Frequently Asked Questions

What is the minimum auto insurance coverage required in Riverside, California?

California law requires at least 15/30/5 in liability coverage, which includes $15,000 for bodily injury liability per person, $30,000 per accident, and $5,000 for property damage.

Does my driving record affect my auto insurance rates in Riverside?

Yes, a clean driving record can lead to lower premiums, while accidents or violations typically result in higher rates. Stop overpaying for auto insurance. Enter your ZIP code below to find out if you can get a better deal.

How does commute length impact auto insurance rates in Riverside, California?

Longer commutes often result in higher premiums since more time on the road increases the risk of accidents.

How can I lower my auto insurance rates in Riverside, California?

You can lower your rates by maintaining a clean driving record, bundling policies, increasing auto insurance deductibles, or qualifying for discounts like low mileage or safe driver rewards.

Can I get auto insurance in Riverside if I have a DUI on my record?

Yes, but your rates will likely be higher due to the increased risk, and you may need to file an SR-22 auto insurance certificate for proof of insurance.

What discounts are commonly available for auto insurance in Riverside, California?

Common discounts include safe driver, multi-vehicle auto insurance discounts, bundling with home insurance, and discounts for having anti-theft devices or completing a defensive driving course.

How does my vehicle type affect my auto insurance premium in Riverside?

Luxury or high-performance vehicles typically have higher premiums due to their cost to repair or replace, while safer, more economical cars may qualify for lower rates.

Is full coverage necessary in Riverside, California?

Full coverage, which includes collision auto insurance and comprehensive insurance, is not required by law but is recommended if your vehicle is new or valuable.

How does age impact auto insurance rates in Riverside, California?

Younger and older drivers often face higher premiums due to their higher risk profile, while middle-aged drivers generally enjoy lower rates.

Can I get auto insurance without a California driver’s license?

Yes, many insurance companies offer coverage to non-California or international drivers, though rates may vary based on driving experience and other factors. Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.

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