GEICO offers the lowest car insurance rates in Fontana, with average annual premiums of $607 for minimum coverage and $1,360 for full coverage. Progressive, AAA and State Farm also offer affordable coverage in the city.
Car Insurance in Fontana
Updated: August 7, 2025
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Key Takeaways
Fontana's cheapest car insurance companies are GEICO, Progressive and AAA, with savings up to 37% compared to the city average.
Monthly car insurance costs in Fontana average $172 for full coverage and $82 for minimum coverage.
To get the best cheap auto insurance in Fontana, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Fontana?
| GEICO | $51 | $113 | -37% |
| Progressive | $66 | $127 | -26% |
| AAA | $67 | $143 | -19% |
| Wawanesa | $81 | $158 | -8% |
| State Farm | $78 | $168 | -5% |
Cheapest Fontana Car Insurance by Category
GEICO offers the cheapest rates for seven driver categories in Fontana. AAA wins for drivers with old cars, while State Farm leads for those with newer vehicles.
| Young Drivers | GEICO | $103 |
| Adult Drivers | GEICO | $51 |
| Senior Drivers | GEICO | $55 |
| Drivers With an Accident | GEICO | $90 |
| Drivers With a DUI | GEICO | $122 |
| Drivers With a Speeding Ticket | GEICO | $76 |
| Drivers With Bad Credit | GEICO | $97 |
| Drivers With Newer Cars | State Farm | $55 |
| Drivers With Old Cars | AAA | $43 |
Compare the Cheapest Fontana Car Insurance for You
Your driving record and personal details shape what you'll pay for car insurance. Check the table below to find companies offering the best rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Geico | $51 | $607 | -40% |
| Progressive | $66 | $798 | -21% |
| AAA | $67 | $805 | -20% |
| State Farm | $78 | $935 | -7% |
| Farmers | $81 | $974 | -4% |
Best Car Insurance Companies in Fontana
In Fontana, the leading car insurance providers are Progressive, GEICO, AAA and Auto-Owners. These companies stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 90 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 82 | 3 | 5 | 7 |
| Auto-Owners | 82 | 7 | 1 | 6 |
| Mercury Insurance | 79 | 6 | 6 | 5 |
Progressive: Best Overall Provider
pros
Strong customer service ratings
Extensive coverage options available
Competitive rates across driver types
cons
Higher rates than some competitors
Limited digital tools
COMPANY HIGHLIGHTS
Progressive ranks as Fontana's top car insurance provider by delivering consistent quality across all rating categories. The company stands out with high scores in customer experience and coverage options, showing a commitment to serving drivers well. While not the absolute cheapest option, Progressive offers competitive rates and backs them with solid coverage choices and reliable claims service.
GEICO: Best for Affordable Coverage
pros
Lowest rates in Fontana
Multiple driver discounts available
Easy online experience
cons
Limited coverage options
Below-average customer service ratings
COMPANY HIGHLIGHTS
GEICO offers Fontana drivers the most affordable car insurance options with the lowest rates for both minimum and full coverage policies. The company particularly excels in serving specific driver groups, offering the best rates for adult drivers, seniors, and those with driving incidents. While GEICO's coverage options are more basic than some competitors, its strong focus on affordability makes it an excellent choice for budget-conscious drivers.
How Much Is Car Insurance in Fontana?
In Fontana, minimum coverage costs about $82 per month or $987 per year, ranking 1,178th out of all California cities for affordability. Full coverage averages $172 monthly or $2,059 annually, also ranking 1,178th among California cities.
| Full Coverage | $172 | $2,059 |
| Minimum Coverage | $82 | $987 |
Fontana Car Insurance Cost by Category
In Fontana, monthly coverage costs vary from $66 to $420 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $148 | $303 |
| Adult Drivers | $82 | $172 |
| Senior Drivers | $96 | $191 |
| Drivers With an Accident | $133 | $273 |
| Drivers With a DUI | $204 | $420 |
| Drivers With a Speeding Ticket | $120 | $251 |
| Drivers With Bad Credit | $185 | $394 |
| Drivers With Newer Cars | $87 | $181 |
| Drivers With Old Cars | $66 | $136 |
Fontana Car Insurance Costs by ZIP Code
In Fontana, car insurance rates by ZIP code range from $70 to $185 per month. ZIP code 92336 is the most expensive, while 92335 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:92335
| 92335 | $70 | $151 |
Compare Personalized Fontana Car Insurance Costs
While basic rate breakdowns give you a starting point, this table lets you filter Fontana car insurance rates by your exact combination of age, driving record and other personal factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
Select
Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $78 | $942 | 26% |
How to Get the Best Cheap Fontana Car Insurance
With Fontana drivers facing some of California's highest car insurance rates, finding affordable coverage can feel overwhelming. This step-by-step guide shows you how to lower your auto insurance costs while getting the right coverage for your needs.
- 1
Calculate your coverage requirements
Start by determining how much coverage you actually need. Consider your car's value, your assets, and California's minimum requirements. Use our car insurance coverage needs calculator to get a personalized recommendation.
- 2
Explore alternative insurance options
Different types of car insurance can save you money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
- 3
Know what others pay
Research average vehicle insurance costs in Fontana to set realistic expectations. This helps you identify truly competitive rates and avoid overpaying for coverage. Compare rates across different companies to find the best deal.
- 4
Stack up your savings
Take advantage of every car insurance discount available. Consider bundling multiple policies or getting multi-car discounts. Safe driver and good student discounts can also significantly reduce your premiums.
- 5
Check company credentials
Research insurance providers' financial strength and customer service ratings. Look for companies with strong records in claims handling and customer satisfaction. Read recent reviews from other Fontana drivers to understand local service quality.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct carrier websites. Each company uses different factors to set rates, so comparing multiple quotes helps you find the best deal.
- 7
Review coverage annually
Set a yearly reminder to review your policy and shop for new quotes. Your circumstances and insurance needs change over time. Regular reviews ensure you maintain the right coverage at the best possible rate.
Cheapest Car Insurance in Fontana: Bottom Line
Car insurance rates in Fontana depend on your age, driving record and coverage needs. GEICO and Progressive offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Fontana Car Insurance: FAQ
Find clear answers about affordable car insurance in Fontana. We'll help you understand coverage options and costs so you can choose the right policy for your budget.
What is the cheapest car insurance company in Fontana, California?
GEICO offers the lowest rates in Fontana, with average annual premiums of $607 for minimum coverage and $1,360 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Fontana?
Progressive offers Fontana's best car insurance with a MoneyGeek score of 90 out of 100, scoring 3 points higher than GEICO. Progressive delivers excellent customer service combined with competitive rates.
What is the average cost of car insurance in Fontana?
In Fontana, drivers pay $2,059 for full coverage and $987 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Fontana expensive?
Car insurance in Fontana costs more than average, ranking 1,178th for both minimum and full coverage affordability compared to other California cities.
How We Chose the Best and Cheapest Car Insurance in Fontana, CA
To help Fontana drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Fontana Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Fontana
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.