Auto Insurance In Riverside: How Much Does It Cost?

The average cost of car insurance in Riverside, California, is $1,543 per year, which is lower than the state's average of $1,562. The cost of car insurance in Riverside depends on various factors, including age, vehicle type, driving history, and location within the city. The cheapest minimum-coverage insurance in Riverside is offered by GEICO, starting at $28 per month, while the cheapest full-coverage insurance is offered by Mercury, at an average of $147 per month.

Riverside's average monthly auto insurance is $54, but it can be as cheap as $28

The average monthly auto insurance premium in Riverside, California, is $54, but it can be as cheap as $28. The cost of car insurance in Riverside is influenced by various factors, including age, gender, vehicle type, driving record, and housing situation.

Riverside drivers can find affordable car insurance rates by comparing quotes from multiple insurance companies. The cheapest car insurance companies in Riverside for minimum coverage include GEICO, with rates as low as $28 per month, and Mile Auto, with rates starting at $60 per month. For full coverage, the cheapest options are Mile Auto, Progressive, and GEICO.

The average cost of full coverage car insurance in Riverside is $2,049 per year, higher than the national average of $1,674. The cost of auto insurance in Riverside is also influenced by the city's lower population and accident rates compared to other California cities.

Additionally, Riverside drivers with a clean driving record tend to secure lower insurance premiums. Maintaining a good driving record, free of accidents, moving violations, or DUIs, can help keep insurance rates reasonable.

It's worth noting that insurance companies consider several factors when determining premiums, and rates can vary based on individual circumstances. Comparing quotes from different insurance providers and taking advantage of discounts can help Riverside residents find the most affordable car insurance options.

Full coverage in Riverside costs $280 per month, while liability-only coverage costs $141

The cost of car insurance varies depending on factors such as age, driving history, and location. In Riverside, California, the average cost of car insurance is $54 per month, which is lower than the national average. However, the cost of full coverage in Riverside is $280 per month, while liability-only coverage costs $141 per month.

Full coverage car insurance provides comprehensive protection in the event of an accident. It typically includes liability, collision, and comprehensive coverage. Collision coverage pays for repairs to your car if it collides with another vehicle or object, while comprehensive coverage protects against non-collision-related incidents, such as vandalism or natural disasters. Full coverage is recommended for newer or more expensive vehicles and is often required for leased or financed cars.

On the other hand, liability-only insurance, also known as minimum-coverage insurance, only covers the other driver's property damage and injuries in an accident that you cause. It does not cover your own damages. While liability-only coverage is cheaper than full coverage, it's important to consider your ability to cover out-of-pocket expenses in the event of an accident.

The cost of car insurance in Riverside is influenced by various factors, including the driver's age, gender, vehicle type, and driving record. Additionally, insurance companies may offer discounts for safe driving, multiple vehicles, or bundling with other types of insurance. It's always a good idea to shop around and compare quotes from multiple insurance providers to find the best rate and coverage for your needs.

Mile Auto offers the cheapest insurance for Riverside drivers, with rates as low as $60 per month

Mile Auto offers the cheapest car insurance for Riverside, California, drivers, with rates as low as $60 per month for minimum coverage. This is significantly lower than the average cost of car insurance in Riverside, which is around $54 per month, or $280 per month for full coverage.

Mile Auto is a pay-per-mile insurer, meaning its rates are based on how many miles you drive. The company offers basic coverage options and a few add-ons, making it a good choice for those who don't drive often and are looking for affordable insurance.

In addition to Mile Auto, other insurance companies in Riverside that offer cheap rates include Sun Coast, Mercury, GEICO, and Progressive. It's important to note that insurance rates can vary based on factors such as age, driving record, and vehicle type. When shopping for car insurance, it's recommended to compare quotes from multiple companies to find the best rate and coverage for your needs.

Riverside drivers can also take advantage of discounts, bundle policies, and consider usage-based insurance to further reduce their insurance costs. By law, Riverside drivers must carry bodily injury liability of $15,000 per person and $30,000 per accident, as well as property damage liability of $5,000 per accident.

Riverside's auto insurance rates are influenced by factors like age, vehicle type, driving record, and housing situation

The average cost of car insurance in Riverside, California, is $280 per month for full coverage and $141 for liability-only coverage. However, this cost can vary depending on several factors, including age, vehicle type, driving record, and housing situation.

Age is a significant factor in determining insurance rates, with younger and older drivers often facing higher premiums. In most states, insurance companies charge more for drivers under the age of 25 due to their lack of driving experience and the increased risk of accidents. Premiums tend to decrease as drivers get older, with the lowest rates often offered to those between the ages of 35 and 60. However, rates may increase again for senior drivers, as older age can bring physical and mental limitations that affect driving ability.

The type of vehicle also influences insurance rates. Newer cars with additional safety features or upgraded technology may be more expensive to insure due to the higher cost of replacement parts. Conversely, older vehicles with lower market values may not require comprehensive or collision coverage, resulting in lower insurance costs. The make and model of the vehicle are also considered, with larger and safer vehicles often having lower insurance rates.

An individual's driving record is another critical factor in determining insurance rates. Accidents, speeding tickets, and other driving infractions can lead to higher premiums, as they indicate a higher risk of future accidents. A clean driving record, on the other hand, demonstrates lower risk and can result in more affordable insurance rates.

Finally, an individual's housing situation can also impact their insurance rates. Homeowners in Riverside may pay slightly lower insurance premiums than those who rent, as homeownership demonstrates financial stability. Additionally, bundling home or renters insurance with auto insurance can sometimes lead to discounts.

In conclusion, while the average monthly cost of auto insurance in Riverside is $280 for full coverage and $141 for liability-only coverage, this figure can vary based on a multitude of factors, including age, vehicle type, driving record, and housing situation. By understanding these factors, individuals can make informed decisions about their insurance choices and explore ways to reduce their insurance costs.

The average cost of full coverage in Riverside is $2,049 per year, higher than the national average of $1,674

The cost of auto insurance in Riverside, California, varies depending on factors such as age, driving history, and the level of coverage. The average cost of full coverage in Riverside is $2,049 per year, higher than the national average of $1,674.

When it comes to specific insurance providers, rates differ even further. For instance, GEICO offers the cheapest minimum-coverage insurance, with rates as low as $28 per month or $341 per year. In contrast, USAA provides the second-cheapest option, with an average monthly rate of $40, or $478 per year.

For full coverage, Mercury is the most affordable option, with rates averaging $147 per month or $1,765 per year. The next most affordable option is GEICO, with an average annual rate of $1,190.

It is worth noting that these rates are influenced by various factors, including age and driving history. For example, teenagers typically pay more for car insurance due to their higher risk of breaking traffic laws or getting into accidents. On the other hand, drivers between 60 and 70 years old often benefit from lower rates.

Additionally, maintaining a clean driving record can help keep insurance costs down. Accidents, speeding tickets, and DUIs can all lead to significant increases in insurance premiums.

Frequently asked questions