Cheapest Car Insurance In Riverside, CA 2025
If you’re looking for the cheapest car insurance in Riverside, GEICO is the best choice, with rates averaging $38 a month for basic coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of car insurance in Riverside, CA, varies a lot, making it important to compare options for the best deal.
GEICO stands out as the most budget-friendly option for liability-only insurance, GEICO also offers the best full coverage rates. For young drivers, Direct Auto has the lowest prices.
Cheapest Car Insurance Companies In Riverside, CA 2025
Cheapest Liability-only Car Insurance In Riverside: GEICO
With an average monthly rate of $38, GEICO provides the cheapest minimum coverage car insurance in Riverside.
Use the following table to compare insurance rates from various providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $38 | $456 |
| Kemper | $47 | $564 |
| Mercury | $52 | $624 |
| Progressive | $39 | $468 |
| State Farm | $54 | $648 |
Cheapest Full Coverage Insurance Rates In Riverside: GEICO
In Riverside, GEICO provides the most affordable full coverage car insurance, averaging $102 per month.
Check out the table below for a comparison of affordable auto insurance rates in Riverside.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $102 | $996 |
| AAA | $116 | $1,032 |
| Mercury | $126 | $1,248 |
| State Farm | $137 | $1,284 |
| Kemper | $125 | $1,392 |
Cheapest Car Insurance Rates For Seniors: Clearcover
Seniors in Riverside can get the cheapest car insurance from Clearcover, which costs about $52 per month.
Check out the table below for a comparison of the cheapest auto insurance rates for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $52 | $624 |
| Allied | $70 | $840 |
| Safeco | $60 | $720 |
| Kemper | $92 | $1,104 |
| Mercury | $90 | $1,080 |
Cheapest Rates In Riverside For Teenagers: Mercury
Mercury offers the lowest car insurance rates for teen drivers in Riverside, averaging $176 per month.
Check out the table below for a comparison of the most affordable insurance providers for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $176 | $2,112 |
| USAA | $199 | $2,388 |
| GEICO | $230 | $2,760 |
| Allstate | $262 | $3,144 |
| Direct Auto | $227 | $2,724 |
Cheapest Auto Insurance For Young Adults in Riverside: Direct Auto
In Riverside, safe drivers can get the lowest car insurance quotes from Direct Auto, costing about $63 a month.
The table below helps good drivers find the most affordable insurance quotes from different companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $63 | $756 |
| Kemper | $78 | $936 |
| Clearcover | $118 | $1,416 |
| Safeco | $116 | $1,392 |
Cheapest Car Insurance In Riverside For Good Drivers: GEICO
At approximately $38 per month, GEICO provides the most affordable car insurance for safe drivers in Riverside.
The table below lists average quotes from affordable car insurance providers, specifically for safe drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $38 | $456 |
| Kemper | $47 | $564 |
| Mercury | $52 | $624 |
| Progressive | $39 | $468 |
| State Farm | $54 | $648 |
Find affordable Riverside rates
Cheapest Car Insurance In Riverside After A Speeding Ticket: USAA
Compared to other insurers in Riverside, USAA provides lower rates, averaging $120 per month for drivers with a speeding violation.
Use the table below to compare insurance costs for drivers who have received a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $120 | $1,440 |
| Anchor | $129 | $1,548 |
| State Farm | $150 | $1,800 |
| Direct Auto | $137 | $1,644 |
| Allstate | $169 | $2,028 |
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Cheapest For Drivers With After At-Fault Accident: USAA
If you’ve had an at-fault accident, USAA offers the lowest insurance rates at about $125 per month.
Here’s a list of insurers with the most affordable rates for drivers who have caused an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $125 | $1,500 |
| Direct Auto | $166 | $1,992 |
| Mercury | $159 | $1,908 |
| GEICO | $200 | $2,400 |
| Allstate | $209 | $2,508 |
Cheapest Rates In Riverside For Drivers After A DUI: USAA
In Riverside, USAA provides the most affordable car insurance for drivers with a DUI, costing around $150 per month.
If you have a DUI in Riverside, check the table below for the lowest insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $150 | $1,800 |
| Direct Auto | $168 | $2,016 |
| Mercury | $158 | $1,896 |
| State Farm | $230 | $2,760 |
| Allstate | $209 | $2,508 |
Best Car Insurance Companies In Riverside
Riverside drivers can get the most affordable coverage from GEICO for $38 a month, while Progressive and Kemper offer competitive rates at $39 and $47, respectively.
The table below displays the 10 best car insurance companies in Riverside, CA, sorted by their average monthly premiums.
| Company | Monthly Premium |
| GEICO | $38 |
| Kemper | $47 |
| Mercury | $52 |
| Progressive | $39 |
| State Farm | $54 |
| AAA | $55 |
| CIG | $57 |
| Farmers | $58 |
| National General | $60 |
| Hartford | $61 |
Average Rates In Riverside – By Vehicle
Your car’s make, model, and age impact how much you pay for insurance. Newer luxury models with advanced technology usually come with higher premiums because of their expensive repair and replacement costs.
Use the table below to compare average car insurance costs in Riverside based on different vehicles.
| Vehicle | Average Monthly Rate |
| Cadillac Escalade | $192 |
| Subaru Outback | $209 |
| Nissan Sentra | $374 |
| Toyota Tundra | $286 |
| BMW 320 | $398 |
Average Auto Insurance Rates In Riverside – By Age
Car insurance costs are heavily influenced by age. Since younger drivers have less experience and a higher risk of accidents, they usually pay more. On average, teen drivers spend around $3,316 per year on insurance.
At age 25, drivers often see lower insurance rates as long as they keep a good driving history.
The lowest insurance rates are typically available to drivers in their 50s and early 60s since insurers factor in age to determine experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $3,316 |
| 20s | $2,030 |
| 30s | $1,661 |
| 40s | $1,536 |
| 50s | $1,551 |
| 60s | $1,624 |
| 70s | $2,000 |
Average Cost Of Auto Insurance In Riverside – By Zip Code
Since zip codes indicate crime levels, insurance rates differ depending on where you live.
Use the table below to compare insurance rates across different zip codes in Riverside.
| City | Average Monthly Rate |
| 92501 | $140 |
| 90250 | $135 |
| 92518 | $126 |
| 92505 | $158 |
| 92504 | $143 |
How Much Is Car Insurance In Other Cities in California?
Your city plays a major role in determining your car insurance rates. Insurance companies assess risks like accident frequency, theft, and vandalism, which are typically higher in urban areas, resulting in steeper costs.
Car insurance costs vary by city—Los Angeles drivers usually pay around $243 a month, while San Diego residents average $176.
| City | Average Monthly Rate |
| Los Angeles | $244 |
| San Diego | $177 |
| Long Beach | $220 |
| Oakland | $233 |
| Bakersfield | $132 |
| Pasadena | $151 |
| San Francisco | $225 |
| Fresno | $158 |
| Sacramento | $157 |
| Anaheim | $232 |
Find affordable Riverside rates
Our Methodology
By considering customer feedback, policy choices, pricing, and insights from online reviews, I’ve created a comprehensive guide to car insurance companies in Riverside, CA.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Riverside?
GEICO provides the lowest rates for minimum coverage in Riverside, while GEICO offers the best-priced full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Riverside?
On average, drivers in Riverside pay around $150 per month for car insurance, but your exact rate depends on your location, car model, driving record, and more.
