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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Riverside drivers pay an average of $111 per month for liability-only auto insurance and $229 for full coverage, according to Compare.com data. Several factors — such as population density, accident rates, and traffic congestion — influence these costs.
The good news is that you can find cheaper coverage if you know where to look. Companies like Clearcover offer affordable prices below the citywide average. This article compares car insurance rates in Riverside for all types of drivers — plus, we give you tips on how to save even more.
Riverside drivers pay an average monthly rate of $170 for auto coverage.
Clearcover is the overall cheapest auto insurer for Riverside drivers, with an average monthly premium of $108.
California car insurance minimum limits will increase from 15/30/5 to 30/60/15 in 2025.
How Much Is Car Insurance in Riverside?
Location ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
---|---|---|---|
Riverside | $111 | $229 | $170 |
California | $113 | $205 | $159 |
National average | $92 | $176 | $135 |
Riverside car insurance averages $170 per month, according to Compare.com data. That breaks down to $111 per month for liability-only coverage and $229 for full coverage.
But averages only offer a general guide to your costs — actual car insurance rates depend on your driving profile and other factors. But no matter your situation, there are always strategies to lower your rates.
Now, let’s take a look at some of the cheapest companies in Riverside.
Riverside’s Cheapest Car Insurance Companies
Though Riverside drivers pay an average of $170 per month, you can still find cheaper rates with some companies. Getting cheap coverage starts with looking for companies offering rates below the citywide rate.
The table below lists the five cheapest insurers in Riverside, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
---|---|
Clearcover | $108 |
Sun Coast | $120 |
Mercury | $126 |
Safeco | $143 |
Anchor General | $149 |
Clearcover offers the cheapest average monthly premium in Riverside, at $108. But that doesn’t mean Clearcover will be the cheapest option for you.
In the next sections, we’ll look at which companies stand out in Riverside for different types of drivers.
The 3 Best Riverside Insurance Companies of 2024
No single car insurance company will be the best option for every driver. The best car insurance company for you is one that meets your needs, budget, and other factors. We chose three top insurance companies in Riverside based on key factors, like rates, discounts, and customer satisfaction, to showcase a range of affordable options.
Whether you’re focused on saving money or looking for comprehensive protection, below you’ll find the best options in the city.
Best for cheap coverage: Clearcover
Average premium: $108 per month
Compare.com Rating: 3.37 out of 5
Among the lowest rates in Riverside
Simple online policy management and claims filing
Military discount available
Bundling discounts not available
No other insurance available
Above-average number of customer complaints
Clearcover is an excellent option for Riverside drivers seeking cheap car insurance from a tech-forward company. It offers a streamlined website and mobile platform, which means quick claims processing and lower premiums.
But Clearcover doesn’t offer many discounts, though it will lower your rate automatically for a few things, such as safety features, safe driving, and paying for your policy up front. It also lacks coverages like gap insurance.
Best for accident forgiveness: Safeco
Average premium: $143 per month
Compare.com Rating: 4.59 out of 5
Great telematics program
Plenty of available coverage options
Cheap rates for drivers with tickets
Lower-than-average customer satisfaction
Fees to file SR-22s
No online purchasing
Safeco is a solid choice for Riverside drivers looking for protection against rate increases. It offers rare perks, like accident forgiveness, diminishing deductibles, and claims-free cash back. The company also offers competitive rates to drivers with speeding tickets and at-fault accidents on their records, based on our research.
But its customer satisfaction scores are low in the California insurance market, according to J.D. Power. And you can’t buy your policy online without speaking to a customer service agent.
Best for rideshare coverage: Mercury
Average premium: $120 per month
Compare.com Rating: 4.28 out of 5
Local agents and personalized service
Highly rated mobile app
Solid range of coverage options
Higher-than-average number of complaints
No accident forgiveness
New car replacement not available
Mercury provides competitive rates and coverage options, including rideshare insurance that the company calls “ride-hailing coverage.” The MercuryGO app offers additional savings by tracking driving habits without penalizing low driving scores, allowing drivers to improve and benefit from discounts.
Some customers report mixed experiences with claims handling, which may be why the company has a higher number of complaints than other companies of similar size. The insurer also offers a limited number of perks compared to competitors.
Cheapest Basic Liability Coverage: Clearcover
Your car insurance rates heavily depend on the types and amounts of coverage you buy. State-minimum liability insurance is the most basic and cheapest policy option you can buy. It covers the vehicle damage and injuries you cause to others, but not your own.
The table below shows the five cheapest auto insurers for basic liability coverage in Riverside, according to Compare.com data.
Company ▲ |
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