Riverside Insurance Rates:

Riverside, CA home insurance is about $515 to $695, about $42-$57/month. Our exhaustive research indicates shoppers can save upto $242 by comparing many quotes

Compare Quotes from Top Providers and Save now!

Read about other Riverside, California homeowners who got the best deal on home insurance. Compare prices from the same providers and get your great deal.

Riverside Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $490/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

3 Beds, 3 Bath 1900 sqft Rental Property Constructed In 1990 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $180/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Baths 1270 sqft Rental Property Constructed In 1984 with Stone Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $770/5 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $615,000

5 Beds, 5 Baths 4920 sqft Seasonal Residence Constructed In 2014 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $490/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Bath 2630 sqft Primary Residence Constructed In 2012 with Wood Flooring, Wood Shake Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Female who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $850/12 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $265,000

3 Beds, 3 Baths 1498 sqft Primary Residence Constructed In 1972 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Single Female who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Riverside, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92506 $338,500 $620
92508 $331,300 $630
92507 $245,600 $610
92503 $239,100 $610
92505 $237,800 $610
92504 $231,400 $610
92501 $200,600 $600

Riverside Rates & Quotes Analysis:

Riverside Area Estimated House Insurance
Saint James Dr, Strasbourg Dr, Hackamore Pl, Heron Ln, Rolanda Dr, Mt Wasatch Dr, Copper Hill Run, Mural Ct, Merrygrove Cir, Northhampton Dr$591
Shady Ridge Cir, Sovereign Way, Boulder Bluffs, Hyde Park Cir, Nemaha Ct, Sierra Mesa Cir, Dean Way, Ransom Pl, Teaberry Rd, Dalcross Ct$593
Caspian Way, Thornhill Dr, River Briar Ct, Rowena Dr, Freda Ave, Tinker St, Laurelbrook Dr, Corinthian Way, Torrey St, Chinotto Ln$620
Marley Dr, David Pl, Bedford Dr, Agatha Ln, Arnold Blvd, Quebec Dr, Hines Ave, Skye Dr, Wallingham Dr, Valley Glen Cir$601
Wimpole St, Ranchwood Pl, Hatten Ln, Bluntleaf Ct, Clifton Blvd, Hillcrest Ave, Melbourne Pl, Hide Out Ct, Sugarloaf Dr, Maybrook Cir$594
Falcon Crest Dr, Spring Rd, Newbridge Dr, Lewis Ave, Lilac Ct, Leafwood Dr, Graeber St, Penny Dr, Onyx Way, Canyon Hill Dr$632
City College Dr, Chestnut St, Attica Dr, Morningview Dr, Dartmouth Ave, Sterling Ave, Blake Rd, Melville Dr, Glennel Dr, Alta Mesa Dr$620
Martha Way, New Mexico Dr, Stacey Ave, Kingsbury Pl, Leucadia Ln, Marilyn St, E Cadena Dr, Katrina Ct, Cody Ct, Bernard St$603
Harbart Dr, Dawn View Cir, Madrid Ct, Black Oak Pl, Carmine St, Brentwood Ln, Rochester Pl, Pembridge Dr, McAllister St, Beal Ave$599
Cameron Dr, Roja St, Prosperity Ln, Via Mindi, Creekmoor Ln, Ann Arbor Ct, Juniper Cir, Running Deer Rd, Delgado Ct, Glenview Ter$606

Insurance rates are influenced by a number of factors including:

  • Year Built: 20,731 Homes (14% of total homes ) built between 1950 to 1959 in Riverside are paying home insurance between $1,137-$1,146. Places close to Riverside, CA such as Woodcrest, Loma Linda, El Sobrante are more expensive by $37, $16, $51 respectively while Moreno Valley and Mead Valley are cheaper by $13 and $16 respectively for similar homes.
  • Bedrooms: 31,984 2 bedrooms homes (22% of total homes ) in Riverside are paying about $176 compared to March ARB (+$7), Woodcrest (+$12), Moreno Valley (+$4), Hemet-San Jacinto (-$5) and Phelan (-$4).
  • Auto Insurance Bundling: 31,281 Households (40% of all households) in Riverside have 2 vehicles available and when it is bundled with home insurance you can save $121. Discounts for similar bundling in close by locations such as Woodcrest, Highgrove, Grand Terrace come to $124, $121, $121 respectively.
  • Senior Discounts: 31,446 seniors (more than 55 years) occupied housing units (40% of total) in Riverside get discounts between $90 to $92. The comparative concessions in proximate regions such as March ARB, Woodcrest and Moreno Valley are $91, $93 and $89 respectively.
  • New Homes discounts: New homes such as the 54,509 homes built between 2000 to 2009 in Riverside can save $121 and similar new home insurance discounts in nearby towns and cities like March ARB, Woodcrest and Highgrove are $121, $124 and $121 respectively.

Riverside Homeowners insurance Facts

  • Riverside, CA has 77,103 owner occupied houses which is 58.9% of all units whereas March ARB, Woodcrest and Highgrove have 12.28%, 91.41% and 48.39% respectively.
  • Riverside, CA homeowners yearly insurance price at $605 is 0.26% of the typical house value of $236,500 which is in contrast with 0.24% in March ARB, 0.17% at Woodcrest & 0.24% in Highgrove.
  • Homeowners in Riverside, CA pay 12.1% of their income (Less than $10,000) in insurance whereas homeowners in March ARB, Woodcrest and Highgrove pay 12.16%, 12.48% and 12.14% respectively.
  • Riverside, CA’s insurance is 2.7% of monthly housing costs of $1,879/month, for owners with a mortgage compared to 2.25% in Woodcrest, 3.06% at Highgrove & 2.57% in Grand Terrace. But, for households without a mortgage, insurance is 12.2% of costs ($412 in Riverside, CA) in contrast with 10.63% in Woodcrest, 17.69% at Highgrove & 11.6% in Grand Terrace.

Riverside, CA Home Values & Insurance rates

For example, insurance for 4,982 Homes (7.0% of total homes ) valued between $125,000 to $149,999 in Riverside, CA is about $350. Rates in nearby areas in such as Highgrove, Grand Terrace, Loma Linda are cheaper by $17, $23, $62 respectively while Moreno Valley and Mead Valley are costlier by $69 and $91 respectively for similar homes.

Riverside, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,719 4.0% $60
$80,000 to $89,999 731 1.0% $211
$90,000 to $99,999 887 1.0% $242
$100,000 to $124,999 4,322 6.0% $278
$125,000 to $149,999 4,982 7.0% $350
$150,000 to $174,999 8,314 12.0% $411
$175,000 to $199,999 6,112 9.0% $477
$200,000 to $249,999 12,880 19.0% $574
$250,000 to $299,999 9,535 14.0% $701
$300,000 to $399,999 14,494 21.0% $889

Renters Insurance in Riverside

  • Average Renters Insurance in Riverside :  $189($15/month)

  • Median Gross Rent in Riverside :  $1,146

  • Riverside Renters Insurance to Median Rent Ratio:  1.31%

  • Renter occupied housing units in Riverside :  53,871

Riverside Renters Insurance as a Percentage of Rent

Riverside Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 714 1.0% $797
$300 to $499 1,432 2.0% $1247
$500 to $749 3,694 7.0% $1922
$750 to $999 12,658 24.0% $2672
$1,000 to $1,499 21,443 40.0% $3797
$1,500 or more 12,210 23.0% $5447

Protective device discount in Riverside Up to :  $28

Claims-free discount in Riverside Up to :  $37