Auto Insurance Quotes in Riverside CA - [Mom Prepared] (2025)

As a husband and wife raising children of various driving ages in Riverside, California, the importance of having reliable auto insurance coverage cannot be overstated. With four vehicles in our household, each serving different purposes and driven by family members of varying experience levels, finding the right coverage at an affordable price is crucial. In this article, we will discuss the auto insurance quotes we received for our vehicles and the different types of coverage and monthly payments for each.

Our family consists of myself, my wife, and our three children, all of whom are at driving age or approaching it. Our oldest son recently got his driver’s license and is eager to hit the road in his own car. Our daughter is a few months away from getting her license, while our youngest son is still a few years away from driving. With such a range of driving ages in our household, it’s important for us to have comprehensive coverage that protects all of our family members on the road.

The first vehicle in our household is a reliable sedan that my wife uses for her daily commute to work. We opted for full coverage on this vehicle, including liability, collision, and comprehensive coverage. The monthly payment for this vehicle is $150, which we found to be a reasonable price for the level of coverage we were getting.

The second vehicle is a SUV that our oldest son will be driving. We decided to add him to our policy as a driver, which increased our monthly payment by $50. We also added additional coverage for young drivers, such as accident forgiveness and roadside assistance, to ensure that he is protected while on the road.

The third vehicle is a minivan that we use for family outings and road trips. We chose to have liability coverage on this vehicle, as it is primarily used for leisure activities rather than daily commuting. The monthly payment for this vehicle is $100, which we felt was a fair price for the coverage we were receiving.

The fourth vehicle is a classic car that we have restored and use for special events and car shows. We opted for agreed value coverage on this vehicle, as its sentimental value far exceeds its market value. The monthly payment for this vehicle is $75, which we found to be a reasonable price for the peace of mind it provides.

Over the years, some of our family members have had driving infractions that have caused our auto insurance rates to increase. Our daughter was involved in a minor fender bender that raised our rates by $50 per month. Our oldest son received a speeding ticket, which increased our rates by $75 per month. Additionally, my wife was involved in a at-fault accident, which raised our rates by $100 per month. These infractions served as a reminder of the importance of safe driving and the impact it can have on our insurance rates.

When it comes to auto insurance in Riverside, California, there are a few common questions that many residents have. Here are 12 frequently asked questions about auto insurance in Riverside, along with the answers:

1. What is the minimum auto insurance coverage required in Riverside, California?

In Riverside, drivers are required to have a minimum of $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $5,000 in property damage liability coverage.

2. What factors can affect my auto insurance rates in Riverside?

Factors that can affect your auto insurance rates in Riverside include your driving record, age, gender, location, credit score, and the type of vehicle you drive.

3. How can I lower my auto insurance rates in Riverside?

You can lower your auto insurance rates in Riverside by maintaining a clean driving record, bundling your policies, taking a defensive driving course, and shopping around for quotes.

4. What is the average cost of auto insurance in Riverside?

The average cost of auto insurance in Riverside is around $1,500 per year, but this can vary depending on your individual circumstances.

5. What types of coverage should I consider for my auto insurance policy in Riverside?

In Riverside, it’s important to consider liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection coverage for your auto insurance policy.

6. Can I add my teenage driver to my auto insurance policy in Riverside?

Yes, you can add your teenage driver to your auto insurance policy in Riverside, but be prepared for your rates to increase significantly.

7. Are there any discounts available for auto insurance in Riverside?

Yes, there are several discounts available for auto insurance in Riverside, including multi-policy discounts, safe driver discounts, and good student discounts.

8. What should I do if I’m involved in a car accident in Riverside?

If you’re involved in a car accident in Riverside, you should exchange information with the other driver, file a police report, and contact your insurance company as soon as possible.

9. Is it legal to drive without auto insurance in Riverside?

No, it is illegal to drive without auto insurance in Riverside. If you are caught driving without insurance, you could face fines, license suspension, and even jail time.

10. Can I purchase auto insurance online in Riverside?

Yes, you can purchase auto insurance online in Riverside. Many insurance companies offer online quotes and applications for your convenience.

11. What should I do if my auto insurance rates increase in Riverside?

If your auto insurance rates increase in Riverside, you should contact your insurance company to inquire about the reason for the increase and see if there are any discounts or adjustments that can be made to lower your rates.

12. How can I find the best auto insurance policy for my needs in Riverside?

To find the best auto insurance policy for your needs in Riverside, it’s important to shop around, compare quotes from multiple companies, and consider the coverage options and discounts available to you.