For a 40-year-old driver with a clean record, car insurance across the 10 ZIP codes with a Riverside or Ontario mailing address averages about $340 a month ($4,080 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the California average of $332 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (Allstate, Auto Club of Southern California, Farmers, GEICO and State Farm), at about $199 a month.
Riverside averages about $334 a month for full coverage and Ontario $354, so Ontario costs about $20 a month more for our benchmark driver. Together they average about $8 a month above the statewide average on our California car insurance rates page.
Riverside is the Riverside County seat; Ontario, about 17 miles west-northwest, is in San Bernardino County. San Bernardino has its own guide.
Cost data comes from the auto rates insurers file with state regulators, priced across the 10 Riverside and Ontario ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Riverside–Ontario, CA?
Full coverage in Riverside–Ontario averages $4,080 a year, or about $340 a month, for our benchmark driver. Liability-only coverage at 15/30/5 limits averages $1,512 a year ($126 a month), and 50/100/50 liability with comprehensive and collision averages $3,774 ($315 a month).
- Full coverage (100/300/100, $500 deductibles): $4,080 a year ($340 a month)
- 50/100/50 with $500 deductibles: $3,774 a year ($315 a month)
- Liability only (15/30/5): $1,512 a year ($126 a month)
- Riverside County: $3,905 a year ($325 a month) for full coverage
- California average: $3,979 a year ($332 a month) for full coverage
- ZIP code range: $321 (92506) to $358 (91764) a month for full coverage
Cheap Car Insurance in Riverside–Ontario: Companies Compared
- Lowest average in our data, full coverage: GEICO, at about $199 a month ($2,386 a year).
- Next lowest among the five major insurers we compared: Auto Club of Southern California, at about $315 a month, then State Farm at $336.
- Liability only (15/30/5): about $57 to $168 a month across the five insurers.
- Also on our list: USAA at about $217 a month, Mercury at $249, Progressive at $255, Travelers at $339 and Nationwide at $352 (USAA sells only to military families).
- Most expensive in our data: Farmers and Allstate, effectively tied at about $429 and $421 a month.
GEICO has the lowest full-coverage average among the five insurers in our Riverside–Ontario rate data. Five of the eight published 2026 statewide California rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families, and a sixth ties GEICO with Progressive. That’s why we name GEICO, though its lead in our data is wider than in those studies. For liability-only coverage at 15/30/5 limits, averages run from about $57 to $168 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Riverside–Ontario
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $679 | $57 | $2,386 | $199 |
| Auto Club of Southern California | $1,288 | $107 | $3,785 | $315 |
| State Farm | $1,698 | $142 | $4,027 | $336 |
| Allstate | $2,019 | $168 | $5,056 | $421 |
| Farmers | $1,877 | $156 | $5,146 | $429 |
| USAA (military families)* | $1,070 | $89 | $2,607 | $217 |
| Mercury Insurance* | $1,305 | $109 | $2,988 | $249 |
| Progressive* | $1,165 | $97 | $3,060 | $255 |
| Travelers* | $1,895 | $158 | $4,070 | $339 |
| Nationwide* | $1,767 | $147 | $4,223 | $352 |
| Riverside–Ontario average | $1,512 | $126 | $4,080 | $340 |
This table uses Riverside and Ontario ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Riverside–Ontario Car Insurance Rates by ZIP Code
Across the 10 Riverside–Ontario ZIP codes we price, full coverage for our driver ranges from about $321 a month in 92506 to $358 in 91764, a gap of $439 a year. Riverside’s seven ZIP codes are the less expensive part of the area, from about $321 a month in 92506 to $348 in 92507, and Ontario’s three cost the most, led by 91764 at $358.
Lowest-priced Riverside–Ontario ZIP codes
Highest-priced Riverside–Ontario ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below the area average.
| ZIP Code: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. Area Average: |
|---|---|---|---|---|---|
| 91761 | $1,568 | $131 | $4,204 | $350 | +3% |
| 91762 | $1,616 | $135 | $4,257 | $355 | +4% |
| 91764 | $1,597 | $133 | $4,292 | $358 | +5% |
| 92501 | $1,475 | $123 | $4,054 | $338 | -1% |
| 92503 | $1,435 | $120 | $3,921 | $327 | -4% |
| 92504 | $1,475 | $123 | $3,989 | $332 | -2% |
| 92505 | $1,470 | $123 | $3,991 | $333 | -2% |
| 92506 | $1,459 | $122 | $3,853 | $321 | -6% |
| 92507 | $1,524 | $127 | $4,177 | $348 | +2% |
| 92508 | $1,502 | $125 | $4,060 | $338 | -1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Riverside–Ontario?
Raising liability limits from 50/100/50 to 100/300/100 adds about $306 a year on average in our Riverside–Ontario data, with the same $500 deductibles. That’s about $26 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Riverside–Ontario?
For our benchmark driver, full coverage isn’t going up. Comparing the four insurers that are in both sets of rates, in the same Riverside–Ontario ZIP codes, their full-coverage average fell from $3,939 a year nine months earlier to $3,813 in rates as of Aug. 31, 2026, a 3.2% drop. State Farm cut its Riverside–Ontario average 11.1%, while Allstate’s, Auto Club of Southern California’s and GEICO’s averages were unchanged. Farmers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Riverside–Ontario average above. Liability-only coverage at 15/30/5 limits rose 6.4%, led by State Farm, which raised its liability-only average 25.1%.
Riverside and Ontario Car Insurance Costs Compared
Riverside County averages about $325 a month for full coverage and San Bernardino County $336, the sixth- and third-most expensive of the 55 California counties we price.
Around Riverside, Jurupa Valley, to the northwest, averages about $326 a month and Corona, to the southwest, $332, while Moreno Valley, to the east, averages $350. Around Ontario, Rancho Cucamonga, to the northeast, averages $339, Upland $341 and Chino, to the southwest, $344. Where you live is one of the factors California insurers use, so neighboring cities can be priced differently.
How Riverside–Ontario Car Insurance Compares With Other California Cities
More California cities and towns are in the California rates by city table, and you can compare states on our car insurance rates by state page.
San Bernardino, about 10 miles northeast of downtown Riverside, averages $360 a month. In Orange County, Irvine, about 33 miles southwest, averages $331 and Anaheim $354.
What Car Insurance Is Required in Riverside–Ontario?
Drivers in Riverside–Ontario follow California’s rules. The minimum rose for policies issued or renewed on or after Jan. 1, 2025, and every policy must now carry at least:
- Bodily injury liability of $30,000 per person and $60,000 per crash
- Property damage liability of $15,000 per crash
Our California requirements guide covers uninsured motorist coverage, proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Riverside–Ontario
- Compare GEICO and Auto Club of Southern California first. They have the two lowest full-coverage averages among the five major insurers we compared in Riverside–Ontario, about $199 and $315 a month.
- Quote several insurers. In our Riverside–Ontario data, the lowest and highest insurer averages are about $230 a month apart for the same driver and car.
- Keep your mileage up to date. Under Proposition 103, California insurers must base your rate first on your driving record, then on your annual mileage, then on your years of driving experience, according to the California Department of Insurance. If your commute gets shorter or you start working from home, tell your insurer.
- Compare at every renewal. Over the past nine months, State Farm has cut its Riverside–Ontario average 11.1%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check California home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Riverside–Ontario Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 50 full-coverage premiums from five insurers across 10 ZIP codes with a Riverside or Ontario mailing address, plus the same number of liability-only and 50/100/50 premiums.
- Area: this page covers the seven ZIP codes with a Riverside mailing address, in Riverside County, and the three with an Ontario mailing address, in San Bernardino County.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/5 limits, with 15/30 uninsured motorist coverage and no comprehensive or collision. California’s minimum has been 30/60/15 since Jan. 1, 2025, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. In Riverside–Ontario, GEICO’s full-coverage average is 37% below Auto Club of Southern California’s, a wider lead than that, but we name GEICO because most of the published 2026 statewide California rate studies we reviewed also rank it cheapest. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Farmers is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other four insurers, Allstate, Auto Club of Southern California, GEICO and State Farm, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 California rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from California law and the California Department of Insurance. We refresh these figures when new rate data is released.
Riverside–Ontario Car Insurance FAQ
For our benchmark driver, full coverage in Riverside–Ontario averages about $340 a month ($4,080 a year) and liability-only coverage at 15/30/5 limits about $126 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the California average of $332 a month.
GEICO has the lowest full-coverage average in our Riverside–Ontario rate data, at about $199 a month, followed by Auto Club of Southern California at $315 among the five major insurers we compared. For liability-only coverage at 15/30/5 limits, averages run from about $57 to $168 a month. Five of the eight published 2026 statewide California rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, and a sixth ties GEICO with Progressive. Rates vary by driver, so compare quotes for your own car and ZIP code.
Riverside, for our benchmark driver. Riverside full coverage averages about $334 a month and Ontario about $354, a difference of about $20 a month for the same driver and car.
In our data, 92506 has the lowest full-coverage average in Riverside–Ontario, at about $321 a month, and 91764 the highest, at about $358. The ZIP code table on this page lists all 10.
In our Riverside–Ontario data, full coverage (100/300/100 with $500 deductibles) averages about $340 a month and liability-only coverage at 15/30/5 limits about $126, a difference of about $214 a month ($2,568 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. California law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the four insurers in both sets of rates (Farmers is new over the past nine months), their Riverside–Ontario full-coverage average fell 3.2%, from about $3,939 to $3,813 a year. That’s lower than the Riverside–Ontario average of $4,080 because it leaves out Farmers. State Farm cut its Riverside–Ontario average 11.1%. Liability-only coverage at 15/30/5 limits rose 6.4%.
For our benchmark driver, full coverage in Riverside–Ontario averages about $340 a month. Nearby, San Bernardino averages about $360, Irvine about $331 and Anaheim about $354. Irvine is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
