Compare Rancho Cucamonga, CA Car Insurance Rates (2021)

The average annual auto insurance rates in Rancho Cucamonga, CA are around $3,826.06 ($318/mo). The cheapest car insurance company in Rancho Cucamonga, CA is USAA, although rates will vary for each person. Rancho Cucamonga car insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Rancho Cucamonga, California car insurance rates online to get the best price for 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 20, 2021

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Here's What You Need to Know

  • The average annual auto insurance rates for Rancho Cucamonga, CA are $3,826.06 ($318/mo)
  • The cheapest car insurance company in Rancho Cucamonga, CA is USAA
  • Rancho Cucamonga, CA car insurance rates are affected by the traffic that is shared with San Bernardino as well as Los Angeles
  • The average commute time for Rancho Cucamonga is 31.3 min

Rancho Cucamonga, CA average annual car insurance rates are slightly above average when compared to other cities in California. But, surprisingly, they are nearly $300 cheaper than San Bernardino to the west and $1,519 cheaper than Los Angeles to the east.

You can save on Rancho Cucamonga, California car insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on how to get cheap car insurance in Rancho Cucamonga, California for every age, credit history, and driving record.

Monthly Rancho Cucamonga, CA Car Insurance Rates by ZIP Code

Check out the monthly Rancho Cucamonga, CA auto insurance rates by ZIP Code below:

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Rancho Cucamonga, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Rancho Cucamonga, CA stack up against other top metro auto insurance rates? We’ve got your answer below.

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Ready to find affordable car insurance in Rancho Cucamonga, CA? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Rancho Cucamonga, CA?

The cheapest car insurance company in Rancho Cucamonga, based on average rates, is USAA.

Which Rancho Cucamonga, CA auto insurance company has the cheapest rates? And how do those rates compare against the average California auto insurance company rates? We’ve got the answers below.

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The top car insurance companies in Rancho Cucamonga, CA, ranked from cheapest to most expensive are:

  • USAA – $2,711.98
  • GEICO – $2,878.52
  • Liberty Mutual – $3,002.98
  • Progressive – $3,135.82
  • Travelers – $3,485.28
  • State Farm – $4,160.84
  • Nationwide – $4,655.81
  • Allstate – $5,011.74
  • Farmers – $5,391.56

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

Rancho Cucamonga, 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 major role in your Rancho Cucamonga auto insurance rates. Find the cheapest Rancho Cucamonga, CA auto insurance rates by coverage level below:

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

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

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

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What car insurance coverage is required in Rancho Cucamonga, CA?

All Rancho Cucamonga drivers have to meet the California state law minimum requirements to buy car insurance.

In California, you have to carry at least:

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

It’s recommended that most drivers carry more than the state minimum.

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What affects car insurance rates in Rancho Cucamonga, CA?

Rancho Cucamonga is the 27th largest city in California and about a 30 min drive west of San Bernardino. Let’s take a look at how Rancho Cucamonga car insurance rates compare to other cities in California.

  • Beverly Hills, CA — $6,188.41 (most expensive)
  • San Bernardino, CA — $4,123.85 (from the west)
  • Rancho Cucamonga, CA — $3,826.06
  • Los Angeles, CA — $5,344.94 (from the east)
  • Los Ranchos, CA — $2,731.32 (cheapest)

INRIX doesn’t rank Rancho Cucamonga or San Bernardino but does rank Los Angeles which is a little over an hour away.

INRIX ranks Los Angeles as the 6th most congested city in the U.S. Rancho Cucamonga is east of San Bernadino and west of Los Angeles, so traffic heading to a larger city can affect car insurance rates.

City-Data reports an average commute time for Rancho Cucamonga is 31.3 minutes.

Car theft in Rancho Cucamonga also affects rates, and the most recent annual statistics list 368 car thefts in a city population of 178,308. That’s a rate of 206 cars stolen per 100,000 population.

Rancho Cucamonga, CA car Insurance: The Bottom Line

Rancho Cucamonga has fairly average car insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.

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

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

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