Cheapest Car Insurance Quotes in Riverside

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Riverside Car Insurance

^$ 34

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Riverside

The car insurance rate in Riverside is $862 for a six-month policy, which is $55 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $385, making it a popular choice for budget-conscious drivers. Rates in Riverside can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Riverside

$862

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Riverside

1st place: Kemper

At $385 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $519 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $536 for six months, making it the third cheapest auto insurance company in Riverside.

Riverside Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Riverside, WA is Kemper, offering policies at just $385 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $519.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2273 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Riverside drivers find the best deals.

Cheap Car Insurance Companies in Riverside, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$385	$64
Nationwide	$519	$88
Auto-Owners Insurance Co	$536	$89
Chubb	$608	$103
Capital Insurance Group	$619	$103
USAA	$726	$122
Mutual of Enumclaw	$765	$128
American Family	$782	$132
State Farm	$782	$132
Progressive	$798	$134
PEMCO	$860	$145
Travelers	$866	$146
Farmers	$949	$160
Allstate	$1072	$180
Granwest P&C	$1261	$211
Sentry	$2273	$386

Key Takeaways

Way's key takeaways about car insurance in Riverside

The auto insurance costs in Riverside fall around $385 for six months.
The cheapest auto insurance company in Riverside is California Casualty.
Teen drivers pay the highest rate in Riverside at $640 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Riverside

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Riverside are given below.

California Casualty provides the cheapest minimum car insurance coverage in Riverside. Their Average 6 Month Premium is $201. Grange is the most expensive at $201 for the same period.

Cheapest Liability Coverage in Riverside, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$201	$34
USAA	$201	$34
Granwest P&C	$207	$35
Auto-Owners Insurance Co	$218	$37
Chubb	$257	$43
Nationwide	$268	$45
PEMCO	$268	$45
Capital Insurance Group	$285	$49
Progressive	$290	$49
American Family	$296	$51
Mutual of Enumclaw	$319	$54
State Farm	$319	$54
Travelers	$324	$55
Farmers	$380	$64
Allstate	$631	$106
Sentry	$653	$111
Encompass	$196	$33
Grange	$201	$34

Cheapest Full Coverage Car Insurance in Riverside

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Riverside is Kemper at $64 per month and $385 for six months.

Cheapest Full Coverage Car Insurance Quotes in Riverside, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$385	$64
Nationwide	$519	$88
Auto-Owners Insurance Co	$536	$89
Chubb	$608	$103
Capital Insurance Group	$619	$103
USAA	$726	$122
Mutual of Enumclaw	$765	$128
American Family	$782	$132
State Farm	$782	$132
Progressive	$798	$134
PEMCO	$860	$145
Travelers	$866	$146
Farmers	$949	$160
Allstate	$1072	$180
Granwest P&C	$1261	$211
Sentry	$2273	$386

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Average Car Insurance in Riverside by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Riverside, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Riverside, Washington, may be increasing due to several external factors. Washington has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Riverside's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Riverside

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	PEMCO	$636
30s	PEMCO	$446
40s	PEMCO	$450
50s	PEMCO	$428
60s	PEMCO	$450
70s	PEMCO	$559

Cheapest Car Insurance Rates for Teen Drivers in Riverside,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Riverside at $53 per month. At $3842 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$307	$53
Auto-Owners Insurance Co	$319	$53
Chubb	$357	$61
Travelers	$1050	$177
State Farm	$1111	$187
USAA	$1290	$217
Pemco	$1586	$267
Farmers	$1915	$322
Mutual of Enumclaw	$1937	$329
Progressive	$2116	$356
Allstate	$2200	$370
Sentry	$3842	$640

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in Riverside.

As young drivers face the highest rates in Riverside, PEMCO offers the cheapest auto insurance rates at $636 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Riverside, AutoOwners Insurance Co is the cheapest car insurance provider. At $218 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Riverside is Sentry, offering rates of around $2273 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$218	$37
Chubb	$257	$43
American Family	$296	$51
Nationwide	$307	$51
Kemper	$335	$57
Farmers	$871	$147
Travelers	$927	$156
State Farm	$1100	$185
Progressive	$1105	$186
USAA	$1134	$189
Pemco	$1295	$218
Mutual of Enumclaw	$1329	$222
Allstate	$2077	$353
Sentry	$2273	$379

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Save up to $971/yr on car insurance rates in Riverside.

Car Insurance Rates with An Accident in Riverside

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Riverside, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Riverside

The cheapest car insurance companies after an at-fault accident in Riverside include AutoOwners Insurance Co and Encompass, offering $279 and $319, respectively. Sentry is an expensive provider with an average six-month premium of $3948.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$279	$47
Encompass	$319	$55
Chubb	$329	$55
American Family	$357	$61
Kemper	$463	$77
USAA	$497	$84
Travelers	$726	$122
State Farm	$743	$125
PEMCO	$809	$136
Capital Insurance Group	$826	$140
Mutual of Enumclaw	$1033	$172
Progressive	$1100	$185
Farmers	$1172	$197
Allstate	$1915	$322
Sentry	$3948	$658

Riverside Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Riverside WA. For example, the car insurance in Riverside after a DUI increases to $765 for a six month policy. While the rate increases by $218 for a six-month policy in the case of a speeding ticket.

Riverside auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1005	$167
One Med/PIP claim	$1005	$171
Not-at-fault accident	$1039	$173
Two Med/PIP claims	$1039	$177
One comp claim	$1044	$174
Two comp claims	$1089	$185
Failure to show documents	$1200	$200
Child safety restraint	$1212	$206
Driving without lights	$1223	$204
Failure to wear a seat belt	$1223	$208
Speeding 11 - 15 MPH over limit	$1223	$204
Speeding 16 - 20 MPH over limit	$1223	$208
Speeding 6 - 10 MPH over limit	$1223	$204
Driving too slowly	$1234	$210
Driving with expired registration	$1234	$206
Cell phone violation	$1240	$211
Failure to yield	$1240	$207
Improper passing	$1240	$211
Texting while driving	$1240	$207
Wrong way/wrong lane	$1240	$211
Failure to stop at a red light	$1246	$208
Following too closely	$1246	$212
Illegal turn	$1246	$208
Speeding in school zone	$1301	$221
Passing school bus	$1307	$218
At-fault accident - less than $1000	$1324	$225
Speeding 21 - 25 MPH over limit	$1324	$221
Open container	$1329	$226
In 65 MPH zone	$1379	$230
At-fault accident - $1000-$2000	$1430	$243
At-fault accident - greater than $2000	$1435	$239
Operating a vehicle without permission	$1446	$246
Refusal to submit to a chemical test	$1731	$289
Reckless driving	$1736	$295
Driving with a suspended license	$1753	$292
DUI	$1770	$301
Racing	$1831	$306
Leaving scene of an accident/hit and run	$1842	$313

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Riverside after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Riverside.

The cheapest car insurance premiums in Riverside are offered by Chubb at $319 for a six-month policy. However, it can be as expensive as $2993 with companies like Sentry.

Riverside car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$319	$55
American Family	$352	$58
Auto-Owners Insurance Co	$402	$69
Travelers	$765	$129
Progressive	$771	$130
USAA	$849	$143
Pemco	$938	$158
State Farm	$1022	$172
Farmers	$1195	$201
Mutual of Enumclaw	$1335	$223
Grange	$1709	$290
Allstate	$1747	$294
Cal Casualty	$1909	$324
Sentry	$2993	$499

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Riverside are offered by Chubb at $279. However, it can be as expensive as $3658 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Riverside after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$279	$48
Auto-Owners Insurance Co	$290	$48
American Family	$352	$60
State Farm	$653	$110
Travelers	$798	$134
USAA	$877	$146
Mutual of Enumclaw	$932	$159
Pemco	$972	$164
Progressive	$994	$167
Farmers	$1094	$184
Allstate	$1681	$286
Sentry	$3658	$609

Car Insurance Price Trends in Riverside, Washington

Car insurance rates in Riverside have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Riverside rose by $183 in January compared to $142 of December. In other words, there has been an increase by $41 when you compare January and December.

The average cost of liability insurance in the Riverside rose to $53 in January, compared to $48 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Riverside?

The car insurance in Riverside is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Riverside?

The cheapest car insurance in Riverside is $64 per month for full coverage.

How much is car insurance in Riverside for teenagers?

Car insurance for teenagers costs $307 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Riverside?

The average cost of car insurance is $917 for a six-month policy. It will cost around $145 per month to insure your car in Riverside.

Is car insurance expensive in Riverside?

Car insurance can be expensive in Riverside if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Riverside can be affordable.

Cheapest Car Insurance Quotes in Riverside

Why you can trust Way?

How Much Is Car Insurance in Riverside

Avg. Car Insurance in Riverside

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Riverside

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Riverside Car Insurance Rates by Company

Cheap Car Insurance Companies in Riverside, WA

Way's key takeaways about car insurance in Riverside

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Riverside

Cheapest Liability Coverage in Riverside, WA

Cheapest Full Coverage Car Insurance in Riverside

Cheapest Full Coverage Car Insurance Quotes in Riverside, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Riverside by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Riverside, WA increasing?

Car Insurance Premiums by Age in Riverside

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Riverside,WA

If you are in your twenties PEMCO is the best choice for car insurance in Riverside.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Riverside

Cheapest Car Insurance Companies after an At-Fault Accident in Riverside

Riverside Car Insurance Rates by Violation

Riverside auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Riverside after a DUI

Riverside car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Riverside after Speeding ticket

Car Insurance Price Trends in Riverside, Washington

Average Car Insurance Cost in Riverside by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Riverside, WA

Car Insurance Rates by State in the USA (2025 Update)

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