Cheapest and Best Car Insurance Companies in Corona, CA

The best cheap auto insurance provider depends on your coverage needs and driving background.

For instance, the cheapest insurer for teen drivers is Progressive, and the most affordable option if you have a traffic violation on your record is Capital Insurance Group. The most affordable company for military families is USAA. Our ranking also indicates that Progressive is the best insurer in Corona for balancing cost and customer service.

The following companies offer the cheapest minimum coverage car insurance policies in Corona:

• GEICO: $418 per year
• Progressive: $423 per year

The most expensive minimum coverage policies are available from Chubb at $842 per year.

California’s state minimum auto insurance policies require the following bodily injury liability and property damage protection:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $5,000 property damage liability per accident

This means that an insurer will pay up to $15,000 to cover damages to a single individual in an accident, up to $30,000 per accident. Any costs that exceed this amount are your responsibility. Those that want more coverage should opt for a full coverage policy with higher coverage limits.

According to MoneyGeek’s scoring system, the insurers below offer the cheapest full coverage car insurance in Corona:

• Progressive: $968 per year
• GEICO: $1,073 per year

Chubb has the most expensive rates for a full coverage policy at $1,984 per year.

In addition to liability coverage, a full coverage policy includes comprehensive and collision insurance.

• Comprehensive insurance pays for the expenses incurred due to damage to your vehicle from non-collision incidents. These include theft, vandalism and fire. Comprehensive insurance costs may vary based on the deductible amount on your policy.
• Collision insurance is the most expensive component of auto insurance. This covers damages from accidents involving collisions with other vehicles or objects (trees, stop signs, mailboxes, etc.).

A full coverage policy may not be worth the added cost for drivers with older vehicles.

The cheapest insurers in Corona for a full coverage policy with traffic violations are:

• Speeding ticket: National General ($1,138 per year)
• At-fault accident: Capital Insurance Group ($1,655 per year)
• DUI: National General ($1,138 per year)

Kemper is the most expensive insurer for drivers with accidents and speeding tickets, charging $3,305 and $1,993 per year, respectively. Meanwhile, drivers with DUI offenses will get the most expensive rate from Hartford at $5,460 per year.

Driving violations significantly impact the cost of your car insurance. Because of this, an affordable policy for a driver with an offense will likely still cost more than a moderately priced policy for a driver with a clean record.

The cost of your car insurance increases in line with the severity of the driving offense. In Corona, a 40-year-old driver with a speeding ticket or a DUI offense will pay $554 or $1,928 more for car insurance than a driver with a clean driving history. To find the most cost-effective options available for you, we recommend reviewing the cheapest auto insurance for drivers with a bad driving record.

Teen drivers and their families can get the cheapest rates for a full coverage policy from the following companies:

• Progressive: $3,034 per year for 16-year-old male teens and $3,034 per year for 16-year-old female teens
• Farmers: $3,074 per year for 16-year-old male teens and $3,074 per year for 16-year-old female teens

The insurer with the highest premium for teen drivers on a family policy is Nationwide at $5,449. While the cost of insurance is the same for female and male teens in Corona, male teens typically pay more insurance. However, this cost discrepancy diminishes in early adulthood.

It’s significantly cheaper to add a teen to a parent’s full coverage policy rather than purchasing an individual policy. In Corona, a 16-year-old male teen will pay $673 more for an individual policy. You can find the most affordable auto insurance for teenagers in Corona by comparing rates from different companies and taking advantage of age-specific discounts.

Military members and their families in Corona can get the cheapest rates from the following insurers:

• USAA: $958 per year
• Progressive: $968 per year

USAA policies are limited to military members and their families. The insurer received a high MoneyGeek score of 85 out of 100 for its customer service and discount opportunities.

GEICO offers the cheapest car insurance for military members interested in a minimum liability policy, at $418 per year, while USAA is the second-cheapest at $422.

While you can obtain car insurance quotes online, it can take up to 15 minutes to input the required personal information. Fortunately, MoneyGeek’s car insurance calculator provides an approximate rate using only your age, gender and driving record.

The best insurer for you will vary based on your preferences and needs.

The top insurers in Corona are:

• Best overall: Progressive (MoneyGeek score of 74 out of 100)
• Best for service: Chubb MoneyGeek score of 76 out of 100)
• Best cheap: GEICO (MoneyGeek score of 78 out of 100)

MoneyGeek scores may vary for each insurer across different categories based on the weightings used in that category.

CSAA offers the best car insurance coverage in California, with policies costing around $369 yearly. One factor contributing to the difference in car insurance rates is your location. The best insurer if you have a military background is USAA, with a MoneyGeek score of 85 out of 100.

Those that want an auto insurance provider that balances cost and quality service should consider the following insurers:

• Progressive: MoneyGeek score of 74 out of 100 ($968 per year)
• GEICO: MoneyGeek score of 72 out of 100 ($1,073 per year)

Progressive has the highest score for affordability and an above-average score for customer satisfaction and coverage options.

USAA, with a MoneyGeek score of 85 out of 100, is the top insurer for active and retired military members and their families. Policies cost about $958 annually.

The following insurers are the best car insurance companies in Corona for customer service, irrespective of cost:

• Chubb: MoneyGeek score of 76 out of 100 ($1,984 per year)
• Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,406 per year)

Chubb has the highest claims management score and the second-highest customer satisfaction rating. However, out of the 15 insurers we evaluated, Chubb is the most expensive.

The following providers offer the best minimum coverage car insurance policies in Corona that comply with California’s minimum coverage requirements:

• GEICO: MoneyGeek score of 78 out of 100 ($418 per year)
• Progressive: MoneyGeek score of 77 out of 100 ($423 per year)

While a minimum coverage policy costs less, it provides the lowest amount of protection since it lacks comprehensive and collision coverage. If you get involved in an accident, a minimum coverage policy won’t cover damages to your car.

Car insurance costs an average of $1,351 in Corona, which is $36 less than the average cost of car insurance in California. As of October 2022, the cost of car insurance at the city and state levels is more than the average cost of car insurance in the U.S. — $1,265.

This study is based on a policy with $100,000 bodily injury protection per person, $300,000 bodily injury liability per person and $100,000 property damage protection per accident.