Best Auto Insurance Rates in Riverside, California

On average your neighbors pay $70 a month.

Compare Auto Insurance in Riverside

In 1871, the first orange trees were planted in Riverside, California. Three years later, the industry famously began, and the rest is history. Riverside grew rapidly, becoming the richest city per capita in the US. Nowadays, remnants of the once-booming orange industry can be found throughout Riverside. Whether you prefer your oranges sliced, peeled, or juiced, you should shop around before purchasing to save money.

Average Riverside Car Insurance Rates

How much is car insurance in Riverside, CA? Two things are driving car insurance prices higher here. One is a very high vehicle theft rate. The other is a higher than average frequency of accidents (and insurance claims). This means insurance prices in Riverside are higher than both the state and national averages. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.

Prices may vary depending on your driving record and the number of claims filed in your zip code.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

California average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Riverside, California and save up to 40% on your premium.

Last year, 8,404 people used QuoteWizard to compare car insurance quotes in Riverside, CA from different companies to find the lowest rates.

Best Car Insurance Companies in Riverside, CA

This is our list of the most common car insurance companies reported by QuoteWizard users in Riverside, California last year.

Other popular Riverside, California car insurance companies: Liberty Mutual, Nationwide, Safeco, 21st Century, USAA, MetLife, American Family, Hartford, Allied, Wawanesa Mutual, and California Farm Bureau.

Top 10 Vehicles

These are the most common car makes and models owned by Riverside, CA drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Honda Civic EX/LX/DX
  3. Ford F150
  4. Toyota Camry LE/XLE/SE
  5. Toyota Camry Prius
  6. Nissan Altima 2.5 S
  7. Ford Mustang
  8. Toyota Tacoma
  9. Toyota Corolla CE/LE/S
  10. Chevrolet C1500 Silverado

Minimum Car Insurance Requirements in Riverside, CA

Riverside, California drivers must follow the 15/30/5 minimum liability coverage rule. This rule requires drivers to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurance company will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurance company will pay for property damage caused by a car accident.

Riverside Drivers

According to a recent report published by Allstate Insurance when it comes to safe driving, Riverside ranked 121st out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 8.3 years, much higher than the national average.

Driving Conditions

Factors that can affect insurance rates in Riverside are the weather, and road conditions.


Riverside has a semi-arid Mediterranean climate with mild winters and long, hot summers. Annual precipitation averages only 10.42 inches and half of that falls in January and February leaving city streets dry the rest of the year.

Road Conditions

According to a recent study by TRIP, 78 percent of the major roads in the Riverside area are in poor or mediocre condition. These poorly maintained, pothole-filled streets costs drivers $795 a year in extra vehicle operating costs.

Traffic Congestion

According to TomTom's annual traffic index report, the City of Riverside ranks 24th for worst traffic congestion in the United States. An average commuter spends an additional 24 minutes per hour stuck in traffic during peak commute times and 92 hours a year for commutes of 30 minutes.

Traffic data provider Inrix provides a traffic scorecard to rank the most congested US cities. According to their data, Riverside has the nation's 10th worst traffic congestion. Their data shows that area commuters wasted 59 hours stuck in traffic congestion last year.

Moving Violations

Moving violations such as speeding tickets, red light infractions, failure to stop, and drunk driving will give you a bad driving record and raise your rates.

Traffic Tickets

The Superior Court of California County of Riverside traffic division website allows residents to pay traffic tickets. It also tells drivers how to contest tickets and provides helpful traffic court information.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Riverside DUI insurance.

Traffic Fatalities

Riverside experienced 32 motor vehicle crash deaths in 2013. This works out to a fatality rate of 1.26 per 100,000 residents. All traffic deaths are a tragic loss, but considering Riverside’s estimated population of 316,619 this is a relatively safe city in terms of traffic fatalities.

Vehicle Theft Rates

Riverside Police recorded 1,779 vehicle thefts last year. This is a rate of 5.52 per 1,000 residents.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to Riverside, CA drivers.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies under one insurance company can save you as much as 20% on your premium
  2. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  3. Are you married or getting married soon? Many insurers offer discounts to married couples
  4. Safe driver. If you have a perfect driving record, you may qualify for the accident free discount. or safe driver discount
  5. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  6. Drive less by living close to work and you might qualify for the low mileage discount

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