Founded in the early 1870s and named for its location near the Santa Ana River, Riverside is a bustling California city known for its lush orange groves and Spanish mission architecture. More than 303,800 Californians live in Riverside’s 28 neighborhoods, including Canyon Crest, Eastside, Mission Grove, and Sycamore Canyon Park. Only 50 miles east of downtown Los Angeles, Riverside is considered part of the Greater Los Angeles area, which in 2019 ranked 31st in the world for worst traffic congestion. Along with Sacramento, San Diego, Bakersfield, and Los Angeles, Riverside has also topped the list of U.S. cities with the worst drivers in recent years.
Get Low-Cost California Auto Insurance
- In 2021, Riverside’s average annual car insurance premium for full coverage is $1,945 — that’s roughly 4% more than the annual statewide average of $1,868.
- Riverside reported 34 fatal crashes in 2019 that resulted in 34 fatalities. That’s roughly 0.95% of all fatal crashes in California that year.
Your zip code and your age are two factors that insurers use to determine your car insurance rates. Statistics from the zip code area, including the average number of accidents, average income, population, and crime rates, are also typically considered. Because younger drivers have not had much time on the road, they are regarded as high risk and will normally pay more for coverage than more experienced drivers.
A driving record with no accidents or tickets will keep your rates low.
Driving Conditions in Riverside
How Many Fatal Accidents Happen in Riverside?
In 2019, California reported 3,606 fatal crashes that resulted in 1,867 deaths. Riverside had a much lower number, with a total of 34 fatal crashes resulting in 34 deaths that same year.
During the previous year, in 2018, Riverside reported 174 alcohol-related fatal crashes, with blood-alcohol levels above the legal limits. These DUI crashes made up roughly 8.7% of all crashes in Riverside that year and were roughly 4.6% of all crashes that occurred throughout California.
How Are the Road Infrastructure and Bridges in Riverside?
The City of Riverside Public Works Department is in charge of repairing deteriorating roadways, potholes, and worn road surfaces. Its paving crews rehabilitate streets, parking lots, and alleys. They also inspect and mitigate road hazards and maintain and repair city bridges, guardrails, traffic signage, and street lights.
In 2019, the American Society of Civil Engineers (ASCE) released its report card for the infrastructures across the U.S. and gave California an overall grade of C-. Its bridges and transit system also earned a C-, while its roadways earned a D, with the organization stating that “only 19% of California’s major roads and highways are in good condition, whereas 68% are in mediocre or poor condition, and 13% are in fair condition.”
Local agencies that maintain the roads and major infrastructures in California work with limited resources, so their focus turns to where repairs and maintenance will have the most impact. The ASCE reports that the grades are not a reflection of the performance of those responsible for the roadways. With California’s large population and substantial use, roadway wear and tear is expected.
Minimum Car Insurance Requirements in Riverside
In California, drivers are held responsible for accidents they may be involved in, being “at fault.” Per California Insurance Code §11580.1b, drivers must carry the minimum liability insurance. The minimum limits are listed as 15/30/5, meaning that coverage provides:
- $15,000 for injury or the death of one person
- $30,000 for injury or death of more than one person
- $5,000 for property damage
- Liability insurance compensates a person other than the policyholder for personal injury or property damage. Comprehensive or collision insurance does not meet vehicle financial responsibility requirements.
Factors Allowed in Riverside Car Insurance Rates
Across the country, there are criteria insurers use to determine your car insurance rates. In Riverside, California, the criteria used are:
- Education and occupation
- Marital status
California cannot use the following criteria in calculating your auto insurance premium costs:
- Credit score
Discounts for Car Insurance in Riverside
Taking advantage of discounts available through your auto insurance carrier can save Riverside drivers money. Discounts might include:
- Good driver discount
- Multi-car discount
- Anti-theft discount
- Student discount
- Military discount
- Multi-policy discount
- Mature, retired, or senior discount
What Are the Penalties for Driving Without Insurance in Riverside?
Auto insurance is not an option in Riverside, let alone the state of California. Drivers must carry the minimum amount of coverage or pay penalties, especially those found driving without coverage. First offense uninsured drivers will pay fines of $100 to $200, with possible additional consequences. Fines for second offenders within three years of an initial offense will cost upward of $200 to $500, with other potential implications.