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Finding the cheapest car insurance quotes in Riverside shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 $1294 for a six-month policy, which is $188 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $695, 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.
At $695 for a six
month policy, American Family offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $771 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $917
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, RI is American Family, offering policies at just $695 for a six-month term. This is followed by State Farm, which has an average six-month premium of $771.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2537 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.
Way's key takeaways about car insurance in Riverside
The auto insurance costs in Riverside fall around $695 for six
months.
The cheapest auto insurance company in Riverside is American Family.
Teen drivers pay the highest rate in Riverside at $1398 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.
American Family provides
the cheapest minimum car insurance
coverage in Riverside. Their Average 6 Month Premium is $291.
Farmers is the most
expensive at $931 for the same
period.
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 American Family
at $118 per month and $695
for six months.
Cheapest Full Coverage Car Insurance Quotes in Riverside,
RI
Get Your Car Insurance Quote in Riverside
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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, RI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Riverside, Rhode Island, may be increasing due to several external factors.
Rhode Island 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
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Cheapest Car Insurance Rates for Teen Drivers in
Riverside,RI
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 $64
per
month. At $8389 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Riverside.
As young drivers face the highest rates in Riverside, N/A
offers the cheapest auto insurance rates at $N/A 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,
Amica Mutual is
the cheapest car insurance provider. At $452 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 Farmers, offering
rates of around $5518 for six
months.
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, RI,
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 American Family
and Quincy Mutual, offering $291
and $508,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3295.
Here is a list of driving violations that can increase your car
insurance rates in Riverside RI. For example, the car
insurance in Riverside
after a DUI increases to $1411 for a six
month policy. While the rate increases by $334 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
$1529
$255
Not-at-fault accident
$1550
$263
One comp claim
$1570
$262
Two comp claims
$1591
$270
One Med/PIP claim
$1598
$267
At-fault accident - $1000-$2000
$1612
$274
At-fault accident - greater than $2000
$1612
$269
At-fault accident - less than $1000
$1612
$274
Two Med/PIP claims
$1633
$273
Failure to wear a seat belt
$1780
$303
Failure to show documents
$1806
$301
Child safety restraint
$1828
$311
Driving without lights
$1828
$304
Driving with expired registration
$1856
$316
Speeding 6 - 10 MPH over limit
$1863
$310
Driving too slowly
$1877
$319
Speeding in school zone
$1877
$312
Failure to stop at a red light
$1891
$322
Speeding 11 - 15 MPH over limit
$1898
$316
Speeding 16 - 20 MPH over limit
$1898
$323
Failure to yield
$1912
$318
Following too closely
$1912
$325
Illegal turn
$1912
$318
Wrong way/wrong lane
$1912
$325
Improper passing
$1925
$321
Speeding 21 - 25 MPH over limit
$1953
$332
Cell phone violation
$1960
$326
Texting while driving
$1960
$333
Passing school bus
$1995
$332
In 65 MPH zone
$2043
$347
Operating a vehicle without permission
$2043
$340
Open container
$2238
$380
Reckless driving
$2738
$456
Refusal to submit to a chemical test
$2780
$473
Driving with a suspended license
$2815
$469
Racing
$2836
$482
DUI
$2940
$490
Leaving scene of an accident/hit and run
$3037
$516
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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 American Family at $445 for a six-month policy.
However, it can be as
expensive as $6082 with companies
like Amica.
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 State Farm
at $291. However,
it can be as expensive as $2981
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Riverside after Speeding ticket
Car Insurance Price Trends in Riverside,
Rhode Island
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 remained steady at $345 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Riverside remained steady at $83 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Riverside by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Riverside. At $2588 for a
six-month policy, insuring
your car at 2915 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Riverside?
The car insurance in Riverside is $49 per month, which is lower than the national average.
What is the cheapest car insurance in Riverside?
The cheapest car insurance in Riverside
is $118 per month
for full coverage.
How much is car insurance in Riverside for teenagers?
Car insurance for teenagers costs $376 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 $1106 for a six-month
policy. It will cost around $218 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.
What is the best car insurance in Riverside,
RI?
The best car insurance company in Riverside
RI is
American Family, offering $695 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Riverside, RI
Car Insurance Rates by State in the USA (2025 Update)
Riverside Car Insurance
