On average, the cost to insure a vehicle in Fontana is $1,436 yearly, more expensive than the state average. Esurance is the cheapest company with an average rate of $1,064. MoneyGeek analyzed the cheapest options across coverage levels and driver types. For drivers focused not only on cost but on quality too, MoneyGeek recommended the best companies.
Compare the Cheapest Car Insurance Quotes in Fontana, CA
The Cheapest and Best Car Insurance in Fontana
The Cheapest Car Insurance Companies in Fontana
The most affordable companies in Fontana for a full coverage car insurance policy are:
- Esurance: $1,064 annually
- USAA: $1,116 annually (only available to current and former military members)
Esurance provides the most affordable car insurance in Fontana with an average annual premium of $1,064, which is $372 cheaper than the city average. Allied, the most expensive provider in Fontana, has an average rate that’s 61.9% higher than Esurance’s rate.
The prices featured in MoneyGeek’s study are based on average rates for a 40-year-old male driver with a full coverage policy, which includes liability insurance and comprehensive and collision insurance.
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Average Cost of Car Insurance in Fontana
Fontana has an average yearly premium of $1,436, which is 0.5% higher than California’s average rate and 0.8% higher than the national average. In other words, if you are a driver in Fontana, the typical cost of your car insurance premium is roughly equivalent to the state and national averages.
The Best Car Insurance Companies in Fontana
MoneyGeek ranked the best insurers in the city for Fontana drivers who value both affordability and quality of customer service. The highest scoring auto insurers based on MoneyGeek’s rating system for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Fontana by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek used different factors to calculate final scores out of 100. These include J.D. Power user satisfaction, affordability and financial stability.
Personalized Quotes to Get You the Cheapest Car Insurance in Fontana
When computing your car insurance quotes in Fontana, agents evaluate several factors of your risk level as a driver. These factors include your age, location, driving record, miles driven per year and the make and model of car you drive. The aforementioned car insurance premiums are only averages, and your actual premium will vary based on your driving profile.
Contact insurance agents and request quotes regularly. Doing so will tell you if you qualify for any discounts or rebates as your situation and circumstances change.
Shopping around for car insurance in Fontana could save you $372, which is enough to buy:
Cheapest Car Insurance in Fontana by Coverage Amount
The amount of coverage you buy has a huge impact on the cost of your auto insurance in Fontana and elsewhere. Drivers who opt for a policy that only meets state minimums typically pay $668 per year. In comparison, a full coverage policy costs $1,436 on average. That is $768 more expensive.
California Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Esurance’s 50/100/50 liability-only plan averages $684 per year, while a 50/100/50 full-coverage package costs roughly $1,016. The numbers 50/100/50 simply mean that your insurance will pay a maximum of $50,000 for each person injured in an accident, up to $100,000 of coverage per vehicle, along with $50,000 for property damage.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Fontana if You Have Driving Violations
One way your driving record can hurt you is by increasing your insurance premiums. Speeding tickets or a DUI can significantly affect your costs. For instance, Allstate’s annual premium for drivers with no violations averages at $1,394. Add a speeding ticket in the mix, and the average rate rises to $1,977, while a DUI can more than triple your costs.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
In some cities, your ZIP code can significantly affect your annual car insurance premium. In Fontana, however, that is not the case. The difference in average premium cost by neighborhood in Fontana comes to just $2 per year.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Fontana
Factors That Impact Insurance Costs in Fontana
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Fontana. How Fontana ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Fontana are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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