Cheapest Car Insurance in Fontana, CA (2026)

Fontana drivers pay an average of $984 per year for minimum coverage and $2,064 per year for full coverage. Fontana has some of California's highest rates due to heavy traffic density and high accident rates.

• Cheapest minimum liability coverage: GEICO has Fontana's cheapest minimum coverage at $607 per year ($51 monthly). That's 38% lower than the city average of $984, saving you $377 annually. Progressive ranks second for minimum coverage at $798 per year ($67 monthly), an 18% savings compared to the city average.
• Cheapest full coverage: GEICO offers the lowest full coverage at $1,360 annually ($113 monthly), 34% below the city average of $2,064. That's $704 in annual savings. Progressive's full coverage costs $1,522 per year ($127 monthly), still 26% below the city average but $162 more than GEICO annually.

Young drivers in Fontana have the steepest car insurance costs, while adults and seniors enjoy more affordable options. Here are the most affordable car insurance providers in Fontana by age group:

• Adults: GEICO and Progressive offer the best value
• Seniors: GEICO and State Farm provide competitive rates
• Young drivers: GEICO and State Farm deliver the lowest premiums

Young drivers under 25 can slash costs up to 20% through State Farm's Steer Clear program. Seniors aged 50 and older qualify for GEICO's Prime Time Contract, earning extra savings by keeping a spotless driving history.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in Fontana by violation type:

• Accident: GEICO at $89 and Auto-Owners at $97 monthly
• Ticket: GEICO at $75 and Auto-Owners at $94 monthly
• DUI: GEICO at $122 and Farmers at $137 monthly

Minor violations in California remain on your record for three years, after which the rates decrease.

Fontana neighborhoods show differences in car insurance costs depending on your ZIP code. Residents in 92335 pay the most affordable rates at $151 monthly for full coverage, while those in 92336 have the highest costs at $185 monthly.

Progressive earned 90 out of 100 on MoneyGeek's rating scale, establishing itself as Fontana's top car insurance provider. GEICO follows with a score of 87 out of 100.

Progressive has a number of standard and specialty coverages available. We evaluated factors like agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

GEICO leads in affordability while maintaining strong financial stability ratings.

See below for why each insurer is best and which fits your needs.

Fontana residents have high car insurance premiums compared to other California cities. Shop around, get better rates and select appropriate coverage for your needs:

Our insurance experts answer common questions about car insurance costs in Fontana:

Fontana drivers pay some of California's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the California Department of Insurance and Quadrant Information Services. Our research covered all Fontana ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. The analysis was complicated by Fontana's above-average vehicle theft rates and dense traffic from its role as a major transportation hub with heavy freight traffic.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (California's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing theft claims or handling freight truck accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Fontana risks like vehicle theft, uninsured motorists and traffic accidents in high-density areas.