Cheapest Car Insurance in Riverview, Florida (2025)

On average, drivers in Riverview pay $230 per month for a liability-only auto policy. This is more than Florida’s average monthly car insurance cost of $155. Florida drivers pay so much for car insurance partly due to the state’s severe weather risk, as it endures many hurricanes. Still, plenty of cheap car insurance options are at your disposal.

Here’s what you need to know about comparing quotes and finding affordable car insurance coverage in Riverview.

3 of the cheapest car insurance companies in Riverview

Many factors affect car insurance rates, including your age, your ZIP code, the type of car you drive, and the coverage levels you choose. The cheapest car insurance company for someone else might not be the cheapest car insurance company for you.

The three insurers in the table below generally offer competitive rates in Riverview, and they’re a good place to start your search.

Hugo

State Farm

GEICO

How to get the cheapest car insurance in Riverview

Each car insurer offers its own rates, coverage options, and more. Here’s how you can lock in the best deal on a policy:

• Shop around. Many large and small car insurance companies serve Riverview drivers. Get quotes from several of them so you can determine which insurer can offer you the best coverage and premiums.

• Look for discounts. Car insurance companies usually offer discounts for a variety of things. A few examples include accident-free or good driver discounts, military discounts, and auto-pay discounts.

• Bundle your policies. If you have another insurance policy, like home insurance or renters insurance, consider purchasing your auto policy from the same insurer. Most insurance companies offer bundling discounts.

• Consider usage-based insurance. Usage-based or pay-per-mile insurance might make sense if you don’t drive often because you’re retired or work from home, for example. You’ll only pay for the miles you drive and, in turn, save money on your policy.

Cheapest liability-only car insurance in Riverview: State Farm

Florida law requires Riverview drivers to carry liability car insurance, at minimum. This covers the other driver’s property damage when you’re at fault for an accident. Liability insurance costs an average of $230 per month in Riverview.

You can see the average monthly rates for liability-only auto policies in Riverview in the table below.

Cheapest full-coverage car insurance in Riverview: State Farm

Full-coverage car insurance typically includes three separate policies: liability coverage, collision coverage, and comprehensive coverage. If you took out a car loan or lease, your lender will probably require it.

Riverview drivers pay a monthly average of $329 for full-coverage policies.

These are the best monthly rates for full-coverage car insurance in Riverview.

Car insurance requirements in Florida

Unlike other states, Florida’s auto insurance requirements don’t include bodily injury coverage. Instead, drivers must have at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability.1 PIP pays for medical expenses after an accident, regardless of who’s at fault.

Optional car insurance coverage in Florida

If you want more car insurance protection in Florida, you may want to consider adding these optional coverages to your policy:

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and DUIs are incidents that can influence your car insurance premiums. If you have an incident on your driving record, most car insurers will consider you a riskier driver and charge you more. You’ll pay the lowest rates if you have a clean record.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding increases the likelihood of losing control of your vehicle and is one of the most common causes of accidents.2 If you have a speeding ticket, you’ll face higher car insurance premiums than drivers without speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you’re found responsible for a car accident, you’ll have to pay more for your auto policy since insurers will consider you riskier to insure. Some insurers are more lenient than others when it comes to drivers with accidents on their records, as you can see below.

Cheapest car insurance for drivers with a DUI: State Farm

Florida law severely penalizes drivers with DUIs. If you’re convicted of a DUI in Florida, you could face penalties like fines, jail time, and more expensive car insurance premiums. Riverview drivers with DUIs on their records pay much more for car insurance than drivers with clean records.

Cheapest car insurance for seniors: State Farm

Studies show that senior drivers have higher death rates than middle-aged drivers.3 That’s why average car insurance rates typically decrease around age 25 and increase again around age 70. But seniors in Riverview can still find cheap car insurance with the right insurer.

Cheapest car insurance for teens: GEICO

Teenagers don’t have a lot of driving experience, so they’re riskier for car insurers.4 The good news is they can save money on an auto policy if they stay on their parents’ insurance and take advantage of good student discounts.

Riverview car insurance quotes by credit tier

If you have good or excellent credit, car insurance companies may reward you with cheaper premiums since drivers with strong credit usually file fewer claims than drivers with lower credit scores. Drivers with bad credit typically pay more for car insurance.

Is car insurance more expensive in Riverview?

The average cost of car insurance in Riverview is $279 per month, which is significantly higher than the national average of $143. When you look at average rates for other cities in Florida, you’ll find that they vary greatly due to factors like population, weather conditions, and accident rates.

Riverview car insurance FAQs