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How much is car insurance in Riverside?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Riverside is in line with pricing for the rest of California.
Compared to the national average cost of auto insurance coverage, Riverside has lower rates. The average monthly payment in Riverside is about $27 less than the rate for the rest of the United States.
While these are the average car insurance rates for Riverside, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down the average rate for Riverside residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay $32 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in Riverside.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The price for insurance coverage in Riverside, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Riverside, drivers with one accident on their record will experience rates around $61 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $60.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$53|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Riverside, with drivers paying around $49 per month for insurance coverage.
SUV drivers will see rates of about $50, while the rates for car owners average out to about $55 per month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Riverside are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$57|
Overall, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Riverside, with married couples paying about $11 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Homeowners in Riverside can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Riverside, CA
Recent trends in car insurance for Riverside drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
The cost of auto insurance in Riverside decreased steadily from 2017-2021. It finished up in 2022, at $56 a month
How does Riverside compare to neighboring areas?
Why are car insurance rates in Riverside different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:
- Off-street parking access
- Local crime rates
- Number of drivers
- Road Safety (frequency of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Riverside?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Riverside.
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Riverside Insurance FAQs
What factors affect car insurance quotes in Riverside?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Riverside different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Riverside?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Riverside?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Riverside or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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