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.
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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| $78 | $932 | 33 | 09/23/25 | 92506 | ||
| $78 | $941 | 45 | 06/28/25 | 92509 | ||
| $81 | $972 | 42 | 06/21/25 | 92505 | ||
| $82 | $988 | 20 | 09/10/25 | 92505 | ||
| $85 | $1,016 | 45 | 08/22/25 | 92501 | ||
| $86 | $1,032 | 82 | 07/16/25 | 92503 | ||
| $86 | $1,033 | 65 | 06/30/25 | 92503 | ||
| $87 | $1,040 | 44 | 10/13/25 | 92507 | ||
| $87 | $1,049 | 60 | 09/29/25 | 92509 | ||
| $89 | $1,065 | 33 | 10/12/25 | 92509 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $25 | $302 | 27 | No | 06/22/25 | 92504 | ||
| $50 | $596 | 27 | No | 10/21/25 | 92507 | ||
| $50 | $604 | 27 | No | 06/30/25 | 92506 | ||
| $54 | $646 | 25 | No | 09/10/25 | 92508 | ||
| $56 | $668 | 28 | No | 08/24/25 | 92503 | ||
| $86 | $1,032 | 82 | 07/16/25 | 92503 | |||
| $86 | $1,033 | 65 | 06/30/25 | 92503 | |||
| $87 | $1,040 | 44 | 10/13/25 | 92507 | |||
| $87 | $1,049 | 60 | 09/29/25 | 92509 | |||
| $89 | $1,065 | 33 | 10/12/25 | 92509 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $36 | $434 | 50 | No | 08/22/25 | 92506 | ||
| $38 | $460 | 39 | No | 09/08/25 | 92503 | ||
| $40 | $481 | 52 | No | 07/05/25 | 92509 | ||
| $41 | $487 | 33 | No | 11/06/25 | 92507 | ||
| $41 | $491 | 43 | No | 11/05/25 | 92505 | ||
| $86 | $1,032 | 82 | 07/16/25 | 92503 | |||
| $86 | $1,033 | 65 | 06/30/25 | 92503 | |||
| $87 | $1,040 | 44 | 10/13/25 | 92507 | |||
| $87 | $1,049 | 60 | 09/29/25 | 92509 | |||
| $89 | $1,065 | 33 | 10/12/25 | 92509 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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Has Full Coverage
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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Has Full Coverage
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|---|---|---|---|---|---|---|---|
| $38 | $460 | 60 | 09/29/25 | 92509 | No | ||
| $42 | $510 | 55 | 09/23/25 | 92506 | No | ||
| $45 | $543 | 60 | 08/06/25 | 92503 | No | ||
| $48 | $572 | 75 | 11/06/25 | 92506 | No | ||
| $48 | $573 | 63 | 05/31/25 | 92507 | No | ||
| $86 | $1,032 | 82 | 07/16/25 | 92503 | |||
| $86 | $1,033 | 65 | 06/30/25 | 92503 | |||
| $87 | $1,040 | 44 | 10/13/25 | 92507 | |||
| $87 | $1,049 | 60 | 09/29/25 | 92509 | |||
| $89 | $1,065 | 33 | 10/12/25 | 92509 |
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.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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Has Full Coverage
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City, State
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ZIP Code
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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Has Full Coverage
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|
| $25 | $302 | 27 | 06/22/25 | No | 92504 | ||
| $34 | $411 | 52 | 08/02/25 | No | 92507 | ||
| $36 | $428 | 33 | 08/02/25 | No | 92503 | ||
| $37 | $446 | 33 | 08/28/25 | No | 92507 | ||
| $38 | $460 | 39 | 09/08/25 | No | 92503 | ||
| $40 | $484 | 32 | 10/06/25 | No | 92505 | ||
| $41 | $487 | 53 | 08/08/25 | No | 92503 | ||
| $41 | $493 | 33 | 08/26/25 | No | 92507 | ||
| $41 | $495 | 40 | 06/17/25 | No | 92503 | ||
| $41 | $498 | 46 | 07/04/25 | No | 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.
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
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| At Fault With No Injury | $46 | $551 | 36 | No | 09/16/24 | 92503 | ||
| At Fault With Injury | $47 | $563 | 34 | No | 01/26/25 | 92509 | ||
| At Fault With Injury | $48 | $575 | 55 | No | 09/11/25 | 92501 | ||
| At Fault With No Injury | $49 | $586 | 37 | No | 02/05/25 | 92504 | ||
| At Fault With Injury | $50 | $601 | 47 | No | 11/14/25 | 92503 | ||
| $40 | $484 | 32 | No | 92505 | ||||
| $41 | $487 | 53 | No | 92503 | ||||
| $41 | $493 | 33 | No | 92507 | ||||
| $41 | $495 | 40 | No | 92503 | ||||
| $41 | $498 | 46 | No | 92506 |
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.
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Violation Summary
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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Violation Summary
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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| Speeding over 15 | $50 | $599 | 34 | 11/17/25 | 92501 | ||
| Speeding under 15 | $61 | $732 | 32 | 10/07/25 | 92503 | ||
| Speeding under 15 | $62 | $743 | 56 | 07/26/25 | 92503 | ||
| Speeding under 15 | $69 | $826 | 35 | 11/22/25 | 92503 | ||
| Speeding under 15 | $73 | $872 | 43 | 11/30/25 | 92507 | ||
| $40 | $484 | 32 | 10/06/25 | 92505 | |||
| $41 | $487 | 53 | 08/08/25 | 92503 | |||
| $41 | $493 | 33 | 08/26/25 | 92507 | |||
| $41 | $495 | 40 | 06/17/25 | 92503 | |||
| $41 | $498 | 46 | 07/04/25 | 92506 |
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 with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has 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 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
