In Riverside, the average full coverage car insurance costs about $138 per month. Rates can range from $133 to $326, depending on various factors. The table below includes the average car insurance costs for various driver profiles.
Riverside, CA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Riverside: Key Takeaways
GEICO, Progressive and State Farm are the city's most affordable car insurance providers, offering competitive rates tailored to different driver profiles.
For the most budget-friendly options, GEICO offers minimum coverage at $37 per month, and Progressive has full coverage at $92 monthly.
On average, car insurance costs in Riverside are $57 per month for minimum coverage and $138 for full coverage, with variations based on individual driver profiles.
Car Insurance Quotes in Riverside, CA
| Young Drivers | $71 | $174 |
| Teens | No Data | $318 |
| Seniors | $56 | $133 |
| Drivers With a Speeding Ticket | $80 | $195 |
| Drivers With a DUI | $134 | $326 |
| Drivers With An Accident | $92 | $222 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Riverside vs. State Average
California
State Average Full Coverage Rate
$1,659
Riverside, CA
City Average Full Coverage Rate
$1,653More:$6 saved
This is 0% less expensive.
What Is the Average Car Insurance Rate in Riverside?
In Riverside, full coverage car insurance averages $1,653 per year, while minimum coverage costs about $685 annually. These rates are slightly more affordable than the Golden State's averages of $1,659 for full coverage and $693 for minimum coverage.
| State Average | $693 | $1,659 |
| Riverside Average | $685 | $1,653 |
Cheapest Car Insurance Companies in Riverside
Even though premiums are climbing across the Golden State, you can still find cheap car insurance in Riverside. GEICO offers the lowest rate for minimum coverage at $37 per month. For full coverage, Progressive provides the best rate at $92 monthly.
WHY CAR INSURANCE IN RIVERSIDE IS CHEAP
Car insurance is inexpensive in Riverside due to factors like low traffic and accident rates, ranking low among California cities in terms of costs. Statewide, costs are driven up by a large number of uninsured drivers, frequent personal injury lawsuits and insurance fraud. These issues make finding affordable minimum coverage necessary for Riverside residents.
Cheap Car Insurance in Riverside
GEICO is often the cheapest for minimum coverage, but rates vary for each driver. The best way to find affordable car insurance is to get quotes from multiple providers. Below is a table with the cheapest car insurance rates for different driver profiles.
| GEICO | Minimum Coverage | $37 |
| Progressive | Full Coverage | $92 |
| State Farm | Teens | $235 |
| Progressive | Young Adults | $77 |
| Progressive | Seniors | $64 |
| National General | Drivers With a DUI | $84 |
| Capital Insurance Group | Drivers With An Accident | $103 |
| National General | Drivers With a Speeding Ticket | $84 |
Car Insurance Rates in Riverside by Company
Car insurance costs vary, so compare Riverside providers for the best rates. Learn below about the most affordable minimum coverage and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Riverside
GEICO has the cheapest minimum coverage auto insurance at $37 per month. Progressive follows, also at $37. The table below breaks down the cheapest options.
| GEICO | $37 | $20 |
| Progressive | $37 | $20 |
| Kemper | $45 | $12 |
| AAA | $51 | $6 |
| Mercury | $51 | $6 |
| Capital Insurance Group | $53 | $5 |
| State National | $53 | $4 |
| State Farm | $53 | $4 |
| Farmers | $54 | $3 |
| National General | $54 | $3 |
| Hartford | $55 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Riverside
Progressive offers the cheapest full coverage car insurance in Riverside at $92 monthly. Below is a full list of providers and their rates.
| AAA | $115 | $23 |
| Capital Insurance Group | $124 | $14 |
| GEICO | $99 | $39 |
| Hartford | $125 | $13 |
| Kemper | $122 | $16 |
| Mercury | $124 | $14 |
| National General | $105 | $33 |
| Progressive | $92 | $46 |
| State Farm | $136 | $2 |
| State National | $125 | $12 |
Car Insurance Companies in Riverside
To find the cheapest car insurance in Riverside, get quotes from several companies. Progressive offers the lowest rate at $773 per year. Capital Insurance Group is the best-rated provider, with a MoneyGeek score of 84. Check the table below for more options to consider.
| Capital Insurance Group | 84 | $1,059 |
| Mercury | 77 | $1,053 |
| Chubb | 76 | $2,133 |
| State Farm | 73 | $1,135 |
| Progressive | 70 | $773 |
| GEICO | 70 | $815 |
| AAA | 67 | $993 |
| Nationwide | 67 | $1,239 |
| Travelers | 64 | $1,364 |
| Hartford | 63 | $1,080 |
| Farmers | 61 | $1,517 |
| Kemper | 60 | $1,004 |
| Allstate | 59 | $1,350 |
| National General | 58 | $955 |
| State National | No Data | $1,068 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Riverside by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates annually at $1,653 for 40-year-olds and $1,601 for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $4,096 | $-1,381 |
| 17 | $4,078 | $-1,364 |
| 18 | $3,842 | $-1,128 |
| 19 | $2,930 | $-216 |
| 20 | $3,000 | $-285 |
| 21 | $2,620 | $95 |
| 22 | $2,273 | $441 |
| 23 | $2,337 | $377 |
| 24 | $2,237 | $477 |
| 25 | $2,082 | $-300 |
| 40 | $1,653 | $129 |
| 65 | $1,601 | $181 |
Cheapest Car Insurance for Teens in Riverside
GEICO offers the cheapest overall car insurance for teens in Riverside, costing $225 per month, saving $87 compared to the state average. The table below breaks down some of the most affordable providers in the city for this age group.
| GEICO | $225 | $87 | $265 |
| State Farm | $253 | $58 | $235 |
| Allstate | $255 | $56 | $272 |
| Capital Insurance Group | $282 | $29 | $263 |
| Farmers | $294 | $18 | $359 |
| Progressive | $298 | $13 | $290 |
| Travelers | $334 | $-23 | $274 |
| Nationwide | $415 | $-104 | $493 |
| Kemper | $446 | $-134 | $412 |
Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Riverside
GEICO offers the lowest monthly rate for minimum coverage at $43, while Progressive provides the most affordable full coverage at $110. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| GEICO | Minimum Coverage | $43 |
| Progressive | Full Coverage | $110 |
| National General | Drivers With a DUI | $102 |
| Capital Insurance Group | Drivers With An Accident | $117 |
| National General | Drivers With a Speeding Ticket | $102 |
Cheapest Car Insurance Companies for Young Drivers in Riverside
Progressive offers the most affordable auto insurance for young drivers at $77 monthly. Explore our resources or check the table below for more information on other companies with affordable auto insurance.
| Progressive | $77 | $45 |
| GEICO | $78 | $44 |
| National General | $97 | $25 |
| Capital Insurance Group | $99 | $23 |
| AAA | $108 | $15 |
| State National | $108 | $14 |
| State Farm | $110 | $12 |
| Mercury | $113 | $9 |
| Hartford | $117 | $6 |
Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Riverside
GEICO and Progressive offer the cheapest car insurance options in the city for seniors, but rates vary based on individual factors. The table below shows the most affordable providers for different driver and coverage profiles, helping you find a good fit.
| GEICO | Minimum Coverage | $36 |
| Progressive | Full Coverage | $91 |
| National General | Drivers With a DUI | $85 |
| Capital Insurance Group | Drivers With An Accident | $98 |
| National General | Drivers With a Speeding Ticket | $85 |
Cheapest Car Insurance Companies for Seniors in Riverside
Progressive offers the cheapest monthly premium for seniors for both minimum and full coverage. GEICO follows closely with a rate of $65 per month. The table below shows the top car insurance providers for seniors in Riverside.
| Progressive | $64 | $31 |
| GEICO | $65 | $29 |
| State Farm | $73 | $22 |
| Hartford | $78 | $17 |
| National General | $81 | $14 |
| AAA | $83 | $12 |
| Capital Insurance Group | $84 | $11 |
| State National | $84 | $11 |
| Mercury | $87 | $7 |
Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Riverside
When looking at high-risk driver profiles, Riverside's insurance rates are lower than the state average. For minimum coverage, Riverside averages $1,222 annually, while full coverage is $2,972. DUIs lead to higher insurance costs, while accidents and speeding tickets have a smaller impact on rates.
| State Average | $1,239 | $2,989 |
| Riverside Average | $1,222 | $2,972 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers in Riverside typically consider minor driving incidents, like a not-at-fault accident or a speeding ticket, for three to five years. For more serious offenses, such as a DUI, insurers may take them into account for up to ten years. These offenses often mean you'll need to file an SR-22 or FR-44 insurance form to prove you meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Riverside
National General offers the cheapest minimum coverage for drivers with a DUI at $690 per year. It also provides the lowest full coverage at about $1,320 annually. Check out the table below to see more options for low-cost coverage.
| National General | $57 | $110 |
| Mercury | $83 | $204 |
| Progressive | $80 | $214 |
| Capital Insurance Group | $91 | $223 |
| GEICO | $88 | $234 |
Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Riverside
Capital Insurance Group, GEICO and Progressive offer the most affordable auto insurance after an at-fault accident in Riverside. Below is a table showing various providers offering the cheapest auto insurance after an at-fault accident.
| Capital Insurance Group | $61 | $146 |
| GEICO | $65 | $164 |
| State National | $75 | $178 |
| Progressive | $73 | $187 |
| Farmers | $73 | $276 |
Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Riverside
GEICO is the cheapest car insurance provider for drivers with speeding tickets in Riverside, offering minimum coverage at $55. For full coverage, National General is the most affordable at $110 monthly. Check the table below to see how other providers charge drivers with this offense.
| National General | $57 | $110 |
| Capital Insurance Group | $58 | $143 |
| GEICO | $55 | $147 |
| Kemper | $60 | $162 |
| Mercury | $66 | $164 |
Rates are for a 40-year-old driver with good credit and a speeding ticket.
Minimum Car Insurance Requirements in Riverside, CA
In the Golden State, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
Other coverages like uninsured motorist or personal injury protection are not required. If you're in an accident causing $3,000 in damage, your policy covers it, ensuring you're not paying out of pocket.
Cheap Car Insurance in Riverside: Bottom Line
GEICO and Progressive are the cheapest for minimum coverage car insurance in Riverside, with rates at $37. No matter your age, you'll find providers with plans that won't break the bank. Make sure your policy includes California's required coverages: bodily injury liability, property damage liability and uninsured motorist coverage. Compare and save to ensure you're legally covered without overpaying.
Riverside Auto Insurance: FAQ
This section offers quick answers about finding affordable car insurance options. Learn how to compare rates, understand state minimum coverage and choose the best plan for your needs to save on car insurance.
What is the cheapest car insurance company in Riverside, CA?
The cheapest car insurance company in Riverside is GEICO, with a monthly rate for minimum coverage at $37, saving you $20.
What is the best car insurance company in Riverside, California?
Capital Insurance Group is rated as the best car insurance provider in Riverside, with an annual premium of $1,059.
How much does car insurance cost on average in Riverside?
In Riverside, minimum coverage car insurance rates range from $37 to $55 per month.
Best Cheap Car Insurance in Riverside: Our Methodology
MoneyGeek analyzed Riverside auto insurance prices using data from the California Department of Insurance and Financial Services and Quadrant Information Services.
Riverside Driver Profile
To assess the best and most affordable auto insurance options for Riverside residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Riverside
In assessing the car insurance quotes for Riverside, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
The minimum coverage requirements in California are:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Riverside
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Riverside. For more details on our analysis, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.