Compare Ontario, CA Car Insurance Rates (2021)

The cheapest Ontario, CA car insurance is from GEICO, although rates will vary by driver. Auto insurance in Ontario, CA must meet the state minimum requirements of 15/30/5, but these are very low limits and drivers should consider raising limits to be fully covered. If drivers can’t afford car insurance, they may qualify for California Low-Cost Auto (CLCA) insurance. Compare quotes below to find the cheapest Ontario, CA car insurance rates near you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Aug 16, 2021

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Here's what you need to know...

  • GEICO offers the cheapest car insurance in Ontario, CA
  • Ontario, CA is part of the greater Los Angeles area and shares a high volume of traffic
  • California Low-Cost Auto (CLCA) insurance is available for low-income drivers who qualify

Ontario, CA car insurance is more expensive than both the state and national averages. This isn’t surprising, given the close proximity to Los Angeles and the fact that the average for California car insurance is high as well.

However, it’s still possible to find affordable Ontario, CA car insurance if you know where to look. Shop around and compare quotes to find the best coverage at the lowest price.

Monthly Ontario, CA Car Insurance Rates by ZIP Code

Find more info about the monthly Ontario, CA car insurance rates by ZIP Code below:

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

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Ontario, California against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Ontario, CA car insurance quotes today.

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

Although USAA actually has the cheapest car insurance in Ontario, CA, it only offers coverage to the military, veterans, and their families. The cheapest company that offers to all Ontario, CA drivers is GEICO.

The cheapest Ontario, CA auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California auto insurance company rates?” We cover that as well.

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These are the top-rated Ontario, CA car insurance companies listed from least to most expensive:

  • USAA – $2,674.99
  • GEICO – $2,893.78
  • Liberty Mutual – $2,981.87
  • Progressive – $3,119.33
  • Travelers – $3,706.00
  • State Farm – $4,566.21
  • Nationwide – $4,758.34
  • Allstate – $5,185.38
  • Farmers – $5,452.85

Although most auto insurance companies use gender to calculate rates, that isn’t allowed in California.

Your location also matters when it comes to car insurance. Bigger cities will pay more for auto insurance. For example, even though the city is close by, Los Angeles car insurance rates are much higher.

Also, California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

Ontario, CA auto insurance rates by company and age is an essential comparison because the top auto 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 significant role in your Ontario, CA auto insurance rates. Find the cheapest Ontario, CA auto insurance rates by coverage level below:

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Your driving record will affect your Ontario auto insurance rates. For example, an Ontario, California DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Ontario, California auto insurance rates by driving record.

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Factors affecting auto insurance rates in Ontario, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Ontario, California auto insurance.

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

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What car insurance coverage is required in Ontario, CA?

Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally.

The minimum auto insurance requirements in California for Ontario drivers are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

This is not a lot of coverage, especially given the high health care costs and the increasing cost of automobiles. You can very quickly exhaust those limits and then are responsible for the remaining costs.

In order to prevent having to pay out of pocket in the event of a major accident, drivers in Ontario should consider carrying more than just the national minimum auto insurance policy.

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What affects car insurance rates in Ontario, CA?

Traffic can increase your auto insurance rates because more traffic equals a higher chance of getting into an accident.

Although INRIX doesn’t have data for Ontario, it does rank nearby Los Angeles as the sixth most congested city in the U.S. and the 26th most congested city in the world.

In fact, City-Data shows that most Ontario, CA drivers have a 35-minute commute, and many drivers commute an hour or more.

Auto theft near you can also raise your car insurance costs. According to the FBI, there were 911 motor vehicle thefts in Ontario and 19,193 thefts in Los Angeles in a one-year period.

Ontario, CA Car Insurance: The Bottom Line

Ontario car insurance is very expensive since it is above the state and national averages. Before you buy Ontario, CA car insurance, be sure to shop around and compare quotes from multiple companies to get the best deal.

Enter your ZIP code now to compare Ontario, CA car insurance quotes today.

Free Car Insurance Comparison

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

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