Riverside drivers often find themselves commuting around the Inland Empire and beyond. About half of the workers in Riverside County commute to another county for their jobs. With so much time spent traveling the Southern California freeways, the right car insurance policy is a must-have to protect your finances.
We’ve gathered quote data from real Jerry customers to show you how your age, driving history and preferred coverage level can affect your rate.
Cheapest minimum coverage insurance in Riverside
California requires drivers to carry these minimum coverages:
- $30,000 per person for bodily injury liability.
- $60,000 for bodily injury per accident for multiple persons injured.
- $15,000 for property damage liability per accident.
Here are the cheapest quotes for minimum coverage that drivers in Riverside have received through Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $35 | $416 | Progressive | 59 | January 1, 2025 | Riverside, CA | 92508 |
| $37 | $441 | Aspire Advantage | 31 | June 11, 2024 | Riverside, CA | 92503 |
| $38 | $451 | Aspire Advantage | 59 | October 28, 2024 | Riverside, CA | 92505 |
| $40 | $482 | Aspire Advantage | 36 | August 15, 2024 | Riverside, CA | 92507 |
| $40 | $483 | National General | 59 | December 28, 2024 | Riverside, CA | 92508 |
| $41 | $493 | National General | 47 | October 7, 2024 | Riverside, CA | 92509 |
| $42 | $500 | Aspire Advantage | 34 | July 29, 2024 | Riverside, CA | 92504 |
| $42 | $508 | Aspire Advantage | 35 | December 4, 2024 | Riverside, CA | 92504 |
| $43 | $511 | Aspire Advantage | 36 | June 18, 2024 | Riverside, CA | 92507 |
| $43 | $518 | Progressive | 56 | February 7, 2025 | Riverside, CA | 92505 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Riverside
The often-dry Southern California climate combined with occasional high winds put Riverside and the rest of the Inland Empire at risk for wildfires. And because the city sits near the San Andreas fault, there’s some danger that your vehicle could be damaged in an earthquake.
Liability coverage wouldn’t help pay to repair your vehicle after a natural disaster — you’d need full coverage for that. Full coverage includes collision and comprehensive insurance, meaning it can help pay for repairs after an accident, regardless of fault, or if the vehicle is damaged by weather or vandalism.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $43 | $518 | Progressive | 56 | February 7, 2025 | Riverside, CA | 92505 |
| $71 | $848 | National General | 39 | January 6, 2025 | Riverside, CA | 92508 |
| $82 | $979 | National General | 53 | January 16, 2025 | Riverside, CA | 92504 |
| $86 | $1,033 | Bristol West | 30 | January 2, 2025 | Riverside, CA | 92501 |
| $90 | $1,084 | National General | 39 | December 5, 2024 | Riverside, CA | 92508 |
| $98 | $1,181 | Aspire Advantage | 39 | December 5, 2024 | Riverside, CA | 92508 |
| $100 | $1,202 | National General | 31 | January 21, 2025 | Riverside, CA | 92507 |
| $110 | $1,323 | Progressive | 37 | November 4, 2024 | Riverside, CA | 92506 |
| $115 | $1,376 | Anchor General | 32 | October 27, 2024 | Riverside, CA | 92507 |
| $121 | $1,455 | Aspire Advantage | 61 | December 11, 2024 | Riverside, CA | 92518 |
Cheapest car insurance for young drivers in Riverside (18-29 years old)
Drivers between 18 and 29 years old pay the highest rates for car insurance because insurers may view their lack of experience as a risk. It’s wise to compare quotes from multiple insurers to find the right coverage at the lowest rate. Here are the cheapest quotes for young drivers in Riverside who received a quote via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $51 | $613 | National General | 29 | No | October 28, 2024 | Riverside, CA | 92509 |
| $51 | $615 | National General | 28 | No | December 28, 2024 | Riverside, CA | 92504 |
| $52 | $630 | Aspire Advantage | 28 | No | September 6, 2024 | Riverside, CA | 92507 |
| $53 | $631 | National General | 29 | No | December 10, 2024 | Riverside, CA | 92509 |
| $54 | $645 | National General | 27 | No | December 27, 2024 | Riverside, CA | 92504 |
Cheapest car insurance for mature drivers in Riverside (30-54 years old)
Drivers between 30 and 54 years old tend to pay lower rates than younger drivers. As you gain experience on the road, you become less risky to insurers, meaning this is a good time to start regularly shopping for more affordable coverage. Here are the cheapest rates that mature drivers in Riverside have been quoted via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $37 | $441 | Aspire Advantage | 31 | No | June 11, 2024 | Riverside, CA | 92503 |
| $40 | $482 | Aspire Advantage | 36 | No | August 15, 2024 | Riverside, CA | 92507 |
| $41 | $493 | National General | 47 | No | October 7, 2024 | Riverside, CA | 92509 |
| $42 | $500 | Aspire Advantage | 34 | No | July 29, 2024 | Riverside, CA | 92504 |
| $42 | $508 | Aspire Advantage | 35 | No | December 4, 2024 | Riverside, CA | 92504 |
Cheapest car insurance for older drivers in Riverside (55+ years old)
Drivers who are older than 54 pay some of the lowest rates for auto insurance until they reach their 70s, when rates may start increasing. Here are the cheapest rates older drivers in Riverside have been quoted through Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $35 | $416 | Progressive | 59 | January 1, 2025 | Riverside, CA | 92508 | No |
| $38 | $451 | Aspire Advantage | 59 | October 28, 2024 | Riverside, CA | 92505 | No |
| $40 | $483 | National General | 59 | December 28, 2024 | Riverside, CA | 92508 | No |
| $43 | $518 | Progressive | 56 | February 7, 2025 | Riverside, CA | 92505 | Yes |
| $46 | $552 | Progressive | 60 | February 18, 2025 | Riverside, CA | 92505 | No |
Cheapest car insurance for drivers with clean records in Riverside
Having a clean driving record helps to ensure you’re getting the best car insurance rate. Here are the cheapest rates that drivers in Riverside with clean records have been quoted via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $35 | $416 | Progressive | 59 | January 1, 2025 | No | Riverside, CA | 92508 |
| $37 | $441 | Aspire Advantage | 31 | June 11, 2024 | No | Riverside, CA | 92503 |
| $38 | $451 | Aspire Advantage | 59 | October 28, 2024 | No | Riverside, CA | 92505 |
| $40 | $482 | Aspire Advantage | 36 | August 15, 2024 | No | Riverside, CA | 92507 |
| $40 | $483 | National General | 59 | December 28, 2024 | No | Riverside, CA | 92508 |
| $42 | $500 | Aspire Advantage | 34 | July 29, 2024 | No | Riverside, CA | 92504 |
| $42 | $508 | Aspire Advantage | 35 | December 4, 2024 | No | Riverside, CA | 92504 |
| $43 | $511 | Aspire Advantage | 36 | June 18, 2024 | No | Riverside, CA | 92507 |
| $44 | $532 | National General | 34 | December 21, 2024 | No | Riverside, CA | 92506 |
| $44 | $532 | National General | 46 | December 20, 2024 | No | Riverside, CA | 92506 |
Cheapest car insurance for drivers with at-fault accidents in Riverside
The costs associated with an accident don’t end with repairs to your car, your auto insurance rates are also likely to rise. It’s wise to shop around after an accident to look for the lowest-cost policy. Check out the cheapest quotes Jerry customers received after at-fault accidents.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With Injury | $41 | $493 | National General | 47 | No | October 7, 2024 | Riverside, CA | 92509 |
| At Fault With Injury | $43 | $518 | Progressive | 56 | Yes | February 7, 2025 | Riverside, CA | 92505 |
| At Fault With No Injury | $46 | $551 | National General | 37 | No | September 16, 2024 | Riverside, CA | 92503 |
| At Fault With Injury | $47 | $563 | National General | 34 | No | January 26, 2025 | Riverside, CA | 92509 |
| At Fault With No Injury | $49 | $586 | National General | 37 | No | February 5, 2025 | Riverside, CA | 92504 |
Cheapest car insurance for drivers with speeding tickets in Riverside
A speeding ticket will likely cause your insurance bill to rise. If you’re up for renewal, it may be a good time to rate shop to see if you can get a better deal from another insurer. The table below shows the cheapest quotes for drivers with speeding tickets in Riverside.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $41 | $493 | National General | 47 | October 7, 2024 | Riverside, CA | 92509 |
| Speeding under 15 | $51 | $613 | National General | 29 | October 28, 2024 | Riverside, CA | 92509 |
| Speeding under 15 | $58 | $702 | National General | 35 | September 19, 2024 | Riverside, CA | 92506 |
| Speeding under 15 | $61 | $729 | Aspire Advantage | 36 | November 27, 2024 | Riverside, CA | 92505 |
| Speeding under 15 | $61 | $732 | Aspire Advantage | 33 | February 18, 2025 | Riverside, CA | 92507 |
Cheapest car insurance for drivers with DUIs in Riverside
A DUI will almost certainly cause your premium to rise, and in some cases, you may struggle to find coverage after being cited. This means it’s wise to compare quotes from multiple insurers to find the lowest-cost policy. Here are the cheapest insurance policy quotes for Riverside drivers with DUIs.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $46 | $551 | National General | 37 | September 16, 2024 | Riverside, CA | 92503 |
| DUI | $47 | $562 | National General | 41 | October 29, 2024 | Riverside, CA | 92508 |
| DUI | $52 | $624 | Aspire Advantage | 41 | October 29, 2024 | Riverside, CA | 92508 |
| DUI | $60 | $720 | Aspire Advantage | 46 | June 28, 2024 | Riverside, CA | 92507 |
| DUI | $60 | $720 | Aspire Advantage | 37 | September 16, 2024 | Riverside, CA | 92503 |
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
