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You can expect to pay an average of $145 per month for car insurance in Riverside, according to our research. The rates in the city are similar to the state average of $139. Auto insurance in the area is generally affordable, but Riverside is a commuter city, and the higher mileage can come at a higher cost for some drivers.[1]
The good news is that USAA, Aspire General, and National General have rates that are even cheaper than the citywide average. Plus, USAA has an average rate of $83 per month for liability-only coverage — the most affordable way to meet insurance requirements.
Let’s take a look at the cheapest insurers in Riverside for different driver types and easy ways to reduce costs.
USAA is the cheapest insurance company in Riverside.
Liability-only car insurance costs an average of $97 per month in Riverside, while full coverage costs $194.
California now requires a minimum of 30/60/15 liability limits. Higher minimum requirements went into effect in 2025.[2]
You have affordable car insurance options in Riverside, but local drivers can still take several steps to save even more. Our data shows that several companies have much lower rates than the citywide average.
The following insurers have the lowest rates for drivers in Riverside, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $83 |
| Aspire General | $86 |
| National General | $93 |
| Sun Coast | $93 |
| GEICO | $95 |
| Mercury | $96 |
| Dairyland | $100 |
| Root | $112 |
| Allstate | $114 |
| Farmers | $117 |
| Direct Auto | $119 |
| Anchor | $120 |
| Bristol West | $126 |
| Kemper Special | $128 |
| State Farm | $128 |
| Travelers | $134 |
| Kemper Rsvp | $142 |
| 21st Century | $146 |
| Nationwide | $180 |
USAA has an average rate of $83 per month in Riverside, according to Compare.com data. That makes it the most affordable coverage in the area.
But you might find lower rates with a different company, depending on your driving history and coverage needs.
Knowing the insurers with the lowest rates in Riverside is helpful as a starting point. But the best pick depends on personal factors. For example, USAA is the cheapest insurance company for teen drivers, but it may not be the most affordable option if you have poor credit.
Here’s an overview of the cheapest insurance companies based on demographics like age and previous violations.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $83 |
| Full coverage | Aspire General | $164 |
| Teens | USAA | $155 |
| Seniors | USAA | $69 |
| Drivers with a speeding ticket | USAA | $108 |
| Drivers with an at-fault accident | USAA | $108 |
| Drivers with a DUI | USAA | $115 |
Remember, your driver profile and history affect how much you pay for coverage and which company is the cheapest. With that in mind, let’s take an in-depth look at the best insurance companies in Riverside for every type of driver.
Policies in Riverside start as low as $83 per month.
Minimum-coverage policies that meet the auto insurance laws in Riverside cost an average of $97 per month, according to our data.
But here’s the deal: Liability-only insurance doesn’t cover your car repairs, only other people’s.[3] Plus, most experts recommend buying more than the minimum to protect yourself from expensive repairs and low coverage limits.
We’ve broken down the five cheapest companies for liability coverage in the chart below.
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| Aspire General | $86 |
| National General | $93 |
| Sun Coast | $93 |
| GEICO | $95 |
| Mercury | $96 |
| Dairyland | $100 |
| Root | $112 |
| Allstate | $114 |
| Farmers | $117 |
| Direct Auto | $119 |
| Anchor | $120 |
| Bristol West | $126 |
| Kemper Special | $128 |
| State Farm | $128 |
| Travelers | $134 |
| Kemper Rsvp | $142 |
| 21st Century | $146 |
| Nationwide | $180 |
Full-coverage car insurance includes liability coverage, but it also pays for damage from theft, vandalism, storms, and at-fault accidents. Our data shows that Riverside drivers pay an average of $194 per month for full coverage.
Even though these policies come with more protection, some companies offer them for nearly the same price as a liability-only auto policy, making it a win-win for your budget.
The following insurers have the lowest rates for full-coverage car insurance in Riverside, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $164 |
| Root | $185 |
| Mercury | $195 |
| USAA | $195 |
| GEICO | $198 |
| Kemper Special | $224 |
| Kemper Rsvp | $228 |
| Sun Coast | $231 |
| Anchor | $238 |
| Dairyland | $244 |
| National General | $261 |
| Allstate | $268 |
| Farmers | $277 |
| Bristol West | $294 |
| State Farm | $299 |
| Direct Auto | $310 |
| Travelers | $315 |
| 21st Century | $342 |
| Nationwide | $422 |
Teen drivers pay some of the highest rates for car insurance because of inexperience and risky behavior behind the wheel.[4] It’s a nationwide trend that holds true in Riverside. Teen drivers in the city pay an average of $269 per month, according to our data.
The good news is that you can still afford coverage. You just need to search a little harder and compare car insurance rates.
With that in mind, let’s take a look at the cheapest insurance companies for teen drivers in Riverside.
Company | Average Monthly Premium |
|---|---|
| USAA | $155 |
| Aspire General | $159 |
| GEICO | $172 |
| Sun Coast | $172 |
| Dairyland | $173 |
| Mercury | $180 |
| National General | $190 |
| Root | $196 |
| Anchor | $214 |
| Bristol West | $227 |
| Allstate | $228 |
| Direct Auto | $231 |
| Farmers | $235 |
| Kemper Special | $237 |
| State Farm | $251 |
| Kemper Rsvp | $263 |
| 21st Century | $266 |
| Travelers | $281 |
| Nationwide | $356 |
Car insurance costs usually decrease as you age and gain experience. And as you enter retirement, you can expect rates that are lower than ever. We found that Riverside seniors pay an average of $130 per month for coverage.
The chart below outlines the most affordable car insurance options for senior drivers in Riverside using Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $69 |
| National General | $75 |
| GEICO | $77 |
| Aspire General | $77 |
| Mercury | $78 |
| Sun Coast | $83 |
| Dairyland | $86 |
| Allstate | $94 |
| Farmers | $95 |
| Root | $95 |
| Direct Auto | $98 |
| Anchor | $100 |
| State Farm | $103 |
| Bristol West | $107 |
| Travelers | $109 |
| Kemper Special | $115 |
| 21st Century | $117 |
| Kemper Rsvp | $127 |
| Nationwide | $141 |
Our research shows that speeding tickets increase car insurance costs by 29% nationwide. The trend is similar in Riverside. Drivers in the city pay an average of $183 per month after a ticket, according to Compare.com data.
Car insurance companies charge more for coverage after a ticket to offset the increased risk of it happening again. Some insurers have smaller rate increases than others.[5]
Here are the five cheapest car insurance companies to consider after you get a ticket in Riverside, according to our research.
Company | Average Monthly Premium |
|---|---|
| USAA | $108 |
| Aspire General | $109 |
| National General | $116 |
| Sun Coast | $117 |
| GEICO | $125 |
| Dairyland | $126 |
| Mercury | $134 |
| Allstate | $149 |
| Direct Auto | $149 |
| Anchor | $149 |
| Root | $150 |
| Farmers | $151 |
| Bristol West | $159 |
| Kemper Special | $162 |
| State Farm | $163 |
| Travelers | $175 |
| Kemper Rsvp | $179 |
| 21st Century | $193 |
| Nationwide | $235 |
Car insurance is more expensive after an accident — an average of 41% more than without one on your record. Even if you’re not at fault, accidents can increase the cost of coverage. It might seem unfair, but research shows you have a higher risk of future accidents after the first one.
The average rate for people with a recent accident in Riverside is $181 per month, based on recent Compare.com data. But you might be able to find a better deal with one of the insurers in the chart below.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $107 |
| USAA | $108 |
| Sun Coast | $116 |
| GEICO | $120 |
| National General | $120 |
| Dairyland | $129 |
| Mercury | $141 |
| Root | $146 |
| Allstate | $149 |
| Farmers | $152 |
| Anchor | $152 |
| Direct Auto | $158 |
| Kemper Special | $160 |
| Bristol West | $161 |
| State Farm | $164 |
| Travelers | $175 |
| Kemper Rsvp | $177 |
| 21st Century | $193 |
| Nationwide | $235 |
DUIs are the most expensive violations and cause the biggest rate increase of any incident — 61% nationwide. Riverside drivers with a DUI pay an average of $188 per month. While it can be costly to find coverage, you’re not stuck with sky-high rates.[6]
Some insurers, including the companies in the chart below, offer specialized coverage for drivers with DUI convictions. You can also find options with generous discounts or other programs that help reduce costs.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $111 |
| USAA | $115 |
| Sun Coast | $121 |
| National General | $129 |
| GEICO | $131 |
| Mercury | $139 |
| Dairyland | $139 |
| Root | $156 |
| Allstate | $159 |
| Farmers | $163 |
| Direct Auto | $166 |
| Kemper Special | $166 |
| Anchor | $168 |
| Bristol West | $175 |
| State Farm | $178 |
| Kemper Rsvp | $184 |
| Travelers | $186 |
| 21st Century | $190 |
| Nationwide | $250 |
Compare personalized quotes from Riverside’s top insurers.
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Like most states, California requires car insurance to protect drivers from unaffordable repairs and injuries. You can choose to have more coverage than the state minimum, but you can’t have less.
Let’s take an in-depth look at insurance requirements for drivers in the Golden State:[7]
$30,000 per person for bodily injury liability
$60,000 per accident for bodily injury liability
$15,000 per accident for property damage liability
Most insurance experts recommend buying coverage for nearly double the state minimum — $50,000 per person and $100,000 per accident.[8]
For example, let’s say you cause an accident. The other car is worth $50,000 — the average cost of the most popular vehicle in the state. With liability-only coverage, your insurance only covers $15,000 of the repairs, and you’re responsible for the rest. But you can add more coverage for better financial protection, and it typically costs only a few extra bucks each month.
We have answers to the common questions about car insurance in the Inland Empire.
The average cost of car insurance in Riverside is $145 per month for liability only, according to Compare.com data. Full-coverage car insurance is a little more. You can expect to pay an average of $97 per month.
USAA is the cheapest car insurance company in Riverside, according to our data. Its average monthly premium costs $83 — substantially lower than the city average.
It depends. Car insurance in Riverside costs $145 per month, compared to the nationwide average of $136. But you might pay more or less than the average based on your ZIP code, vehicle information, driving history, age, and local traffic.
USAA has the cheapest average car insurance rates in California, according to our research. But you might find even lower rates with a different insurer based on personal factors like age, location, marital status, and gender. It’s a good idea to compare car insurance rates from at least three companies to find the best deal.
The best car insurance in California depends on your priorities. For example, USAA might be the best choice for veterans and military members, while Root might be better for low-mileage drivers.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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