Compare Fontana, CA Car Insurance Rates (2021)

The cheapest car insurance in Fontana, CA, is USAA. However, car insurance rates will vary for each person. Fontana, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability and $3,500 per accident in UM/UIM property damage coverage. Compare Fontana, CA car insurance rates online to get the best price for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 12, 2021

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Here's what you need to know...

  • On average, Fontana, CA car insurance costs $3,963/yr or $330/mo
  • The cheapest car insurance company in Fontana, California, is USAA
  • You can secure cheap car insurance by keeping a good credit score and maintaining a clean driving record
  • Fontana’s vehicle thefts are much lower than in other popular California cities

Car insurance in Fontana is $330 per month on average. However, the California car insurance average is $307 per month.

But why is Fontana, CA car insurance more expensive?

Car insurance rates are determined by various factors, including the company you choose, your driving history, and much more. Don’t worry – we’re here to help.

Our guide explains how you can secure cheap car insurance in Fontana, California.

Ready to find affordable Fontana, CA car insurance rates? Enter your ZIP code above to get started.

Monthly Fontana, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Fontana, CA auto insurance rates by ZIP Code below:

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Fontana, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Fontana, California stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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What is the cheapest car insurance company in Fontana, CA?

The cheapest car insurance company in Fontana, CA, is USAA. However, USAA is only available for military veterans and their immediate families. The next most affordable companies are GEICO and Liberty Mutual.

Which Fontana, CA car insurance company has the best rates? And how do those rates compare against the average California car insurance company rates? We’ve got the answers below.

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Here are the best auto insurance companies in Fontana, California, ranked from cheapest to most expensive:

  • USAA – $2,730
  • GEICO – $2,879
  • Liberty Mutual – $2,897
  • Progressive – $3,065
  • Travelers – $3,523
  • Nationwide – $4,769
  • State Farm – $4,803
  • Allstate – $5,118
  • Farmers – $5,883

USAA, GEICO, Liberty Mutual, Progressive, and Travelers are the only Fontana car insurance companies with cheaper than average auto insurance rates. However, your auto insurance rates will depend on personal factors.

The most critical factor is your driving record. Some auto insurance companies provide 15 to 40 percent off annual premiums if you have a clean driving record. You can even save money if your credit score is good.

Another essential factor that determines auto insurance is location. Auto insurance providers can base your rates on the neighborhood ZIP code.

So what’s the cheapest neighborhood in Fontana? The most affordable ZIP code in Fontana, California, is 92336, and its average car insurance cost is $451 per month.

Fontana male drivers under 25 have the most expensive car insurance rates. Meanwhile, drivers who are 25 and older will pay $600 to $1,500 less.

Fontana, CA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Fontana car insurance rates. Find the cheapest Fontana, CA car insurance rates by coverage level below:

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Your driving record will play a major role in your Fontana car insurance rates. For example, other factors aside, a Fontana, CA DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Fontana, CA car insurance rates by driving record.

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Factors affecting car insurance rates Fontana, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Fontana, California car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. CA does use gender, so check out the average monthly car insurance rates by age and gender in Fontana, CA.

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What are the minimum car insurance coverage requirements in Fontana, CA?

California’s Department of Insurance requires all drivers to carry the minimum auto insurance requirements, which are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage
  • $15,000 per person and $30,000 per incident for uninsured/underinsured motorist coverage
  • $3,500 per incident for uninsured/underinsured property damage coverage

California has a relatively low property damage liability limit. Therefore, it may be in your best interest to get higher coverage. However, more coverage means higher prices.

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What affects car insurance rates in Fontana, CA?

Your daily commute to work and your city’s vehicle theft rate can determine your car insurance cost.  Your chances of getting into an accident increase the more you drive. Vehicle thefts determine your chances of filing a comprehensive insurance claim.

According to the FBI statistics, the city of Fontana, CA, had 765 auto thefts. That’s not much compared to cities like Los Angeles and San Diego. Therefore, your comprehensive coverage rates could be lower than average.

However, the Fontana commute is about four minutes longer than the national average. According to City-Data, it takes 29 minutes for the average driver to get work in Fontana, California.

Fontana, CA Car Insurance: The Bottom Line

You can secure cheap car insurance in Fontana, CA, by maintaining a clean driving record. If you have a good credit score, take advantage of the low prices provided by your auto insurance provider.

Also, your vehicle’s safety and anti-theft features can save you money on car insurance.

Before you buy car insurance in Fontana, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Fontana, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Fontana, CA Car Insurance Rates by ZIP Code
Fontana, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Fontana, CA Car Insurance Rates by Company vs. City Average
Fontana, CA Car Insurance Rates by Company and Age
The Cheapest Fontana, CA Car Insurance Rates by Coverage Level
The Cheapest Fontana, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Fontana, CA
Average Monthly Car Insurance Rates by Age & Gender in Fontana, CA
Monthly Fontana, CA Car Insurance Rates by ZIP Code
Fontana, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Fontana, CA Car Insurance Rates by Company vs. City Average
Fontana, CA Car Insurance Rates by Company and Age
The Cheapest Fontana, CA Car Insurance Rates by Coverage Level
The Cheapest Fontana, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Fontana, CA
Average Monthly Car Insurance Rates by Age & Gender in Fontana, CA