Car Insurance in Fontana

GEICO dominates Fontana's market with the cheapest rates across most driver categories. Adult drivers with clean records pay $607 per year, while seniors pay $659 annually through GEICO.

Young drivers face higher premiums at $1,232 per year with GEICO, which is 103% more than adult rates. DUI violations push costs to $1,467 annually through GEICO, a 142% increase over clean records.

At-fault accidents cost $1,077 per year with GEICO, while speeding tickets add $911 annually. The significant surcharges for serious violations reflect California's strict approach to high-risk drivers, though GEICO remains the value leader across all categories.

GEICO offers the cheapest minimum coverage in Fontana at $607 per year, which sits 37% below the city average of $1,523. For full coverage, GEICO charges $1,360 annually, maintaining its competitive edge.

Progressive ranks second at $1,522 per year for minimum coverage. GEICO's pricing advantage in Fontana reflects its efficient operations and strong California market presence.

Fontana's rates run higher than inland California cities but remain more affordable than Los Angeles proper. The substantial gap between GEICO and competitors makes it the clear choice for value-focused Fontana drivers.

Adult drivers in Fontana enjoy the lowest rates at $607 annually through GEICO. Young drivers pay $1,232 per year with GEICO, a 103% premium over adult rates.

Seniors pay $659 annually through GEICO, just slightly more than adults. California's prohibition on gender-based pricing means male and female drivers in each age group pay identical rates.

The relatively narrow spread between adult and senior rates makes Fontana affordable for older drivers. Young drivers face typical youth premiums but benefit from GEICO's competitive baseline rates compared to other California cities.

GEICO provides the lowest rates for clean-record drivers in Fontana at $607 per year. DUI violations dramatically increase premiums to $1,467 annually with GEICO, a 142% spike reflecting California's strict penalties.

At-fault accidents push rates to $1,077 per year with GEICO, while speeding tickets cost $911 annually. The significant surcharges for violations underscore the financial value of maintaining a clean record.

GEICO's consistent leadership across violation categories makes it the top choice regardless of driving history. Comparing quotes after violations can help Fontana drivers find the most forgiving rates available.

Progressive ranks as the best car insurance company in Fontana with a MoneyGeek score of 90.19, combining competitive pricing with innovative digital tools. GEICO follows closely with a score of 87.12, offering the lowest rates and efficient online service.

Progressive's top ranking reflects its user-friendly platform, usage-based insurance options and transparent pricing. GEICO appeals to budget-conscious drivers prioritizing low premiums and mobile-first policy management.

Both insurers maintain strong financial stability and responsive claims handling, giving Fontana residents reliable options for comprehensive coverage backed by nationally recognized brands.

Car insurance in Fontana costs an average of $1,523 per year. Minimum coverage averages $127 monthly while full coverage runs $1,523 annually.

These rates position Fontana in the middle of Southern California's insurance market, more affordable than Los Angeles but pricier than inland areas. GEICO offers coverage well below the city average at $607 annually for minimum coverage, showing how the right insurer choice cuts costs substantially.

Fontana's rates reflect California's expensive insurance environment, but competitive options from GEICO help residents find affordable protection despite market challenges.

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.

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.

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.

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.

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.