Fontana's average full coverage car insurance costs $140 per month. Rates range from $136 to $332, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
Fontana, CA, Car Insurance
Updated: March 31, 2025
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Cheapest Car Insurance in Fontana: Key Takeaways
GEICO, Progressive and National General are among the most affordable car insurance providers in Fontana.
GEICO provides the cheapest minimum coverage at $38 per month, while Progressive offers the most affordable full coverage at $100 monthly.
On average, car insurance costs $58 per month for minimum coverage and $140 for full coverage.
Car Insurance Quotes in Fontana, CA
| Young Drivers | $72 | $177 |
| Teens | No Data | $326 |
| Seniors | $57 | $136 |
| Drivers With a Speeding Ticket | $81 | $199 |
| Drivers With a DUI | $137 | $332 |
| Drivers With An Accident | $93 | $227 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Fontana vs. State Average
California
State Average Full Coverage Rate
$1,659
ontana, CA
City Average Full Coverage Rate
$1,681More:$22 more
This is 1% more expensive.
What Is the Average Car Insurance Rate in Fontana?
In Fontana, full coverage car insurance costs about $1,681 per year, while minimum coverage averages $695. These rates are lower than California's averages of $1,659 and $693, respectively.
| State Average | $693 | $1,659 |
| Fontana Average | $695 | $1,681 |
Cheapest Car Insurance Companies in Fontana
GEICO offers the lowest rate at $848 annually, while Capital Insurance Group is the best cheap provider with a MoneyGeek score of 86. Check the table below for more options.
Cheap Car Insurance in Fontana
GEICO offers the cheapest minimum coverage for many, but rates vary by driver. To find the most affordable car insurance, get quotes from several providers. Below is a table showing the cheapest rates for different driver profiles.
| GEICO | Minimum Coverage | $38 |
| Progressive | Full Coverage | $100 |
| State Farm | Teens | $240 |
| GEICO | Young Adults | $82 |
| GEICO | Seniors | $68 |
| National General | Drivers With a DUI | $85 |
| Capital Insurance Group | Drivers With An Accident | $100 |
| National General | Drivers With a Speeding Ticket | $85 |
Car Insurance Rates in Fontana by Company
Finding affordable car insurance in Fontana means comparing rates from different companies. We've detailed the costs for minimum coverage and full coverage plans below to help you save.
Cheapest Car Insurance Companies for Minimum Coverage in Fontana
GEICO offers the cheapest minimum coverage auto insurance at $38 per month, followed by AAA at $49 per month. Check out the breakdown of the cheapest options in the table below.
| GEICO | $38 | $20 |
| Progressive | $43 | $15 |
| Kemper | $45 | $13 |
| AAA | $49 | $9 |
| State National | $50 | $8 |
| Capital Insurance Group | $51 | $7 |
| Mercury | $52 | $6 |
| Farmers | $53 | $5 |
| Hartford | $55 | $3 |
| State Farm | $55 | $3 |
| National General | $57 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Fontana
Progressive offers the cheapest full coverage car insurance in Fontana at $100 per month. Check the full list of providers in the table below.
| AAA | $113 | $27 |
| Capital Insurance Group | $120 | $20 |
| GEICO | $103 | $37 |
| Hartford | $122 | $18 |
| Kemper | $127 | $13 |
| Mercury | $123 | $17 |
| National General | $105 | $36 |
| Progressive | $100 | $40 |
| State Farm | $138 | $2 |
| State National | $119 | $21 |
Car Insurance Companies in Fontana
GEICO offers the lowest rate at $848 annually, while Capital Insurance Group is the best cheap provider with a MoneyGeek score of 86. Check the table below for more options.
| Capital Insurance Group | 86 | $1,027 |
| Mercury | 78 | $1,046 |
| Chubb | 76 | $2,281 |
| State Farm | 74 | $1,163 |
| GEICO | 70 | $848 |
| Progressive | 70 | $857 |
| AAA | 69 | $971 |
| Nationwide | 68 | $1,231 |
| Travelers | 66 | $1,358 |
| Hartford | 65 | $1,062 |
| Farmers | 63 | $1,518 |
| Kemper | 61 | $1,032 |
| Allstate | 60 | $1,447 |
| National General | 58 | $969 |
| State National | No Data | $1,016 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Fontana by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,681 per year for 40-year-olds and $1,630 annually for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $3,793 | $-1,079 |
| 17 | $3,781 | $-1,066 |
| 18 | $3,567 | $-852 |
| 19 | $2,733 | $-19 |
| 20 | $2,803 | $-89 |
| 21 | $2,435 | $279 |
| 22 | $2,115 | $600 |
| 23 | $2,173 | $541 |
| 24 | $2,081 | $633 |
| 25 | $2,121 | $-338 |
| 40 | $1,681 | $101 |
| 65 | $1,630 | $152 |
Cheapest Car Insurance for Teens in Fontana
State Farm offers the cheapest overall car insurance for teens in Fontana at $238 per month, saving $51 compared to the state average. The table below lists other affordable providers for this age group.
| State Farm | $238 | $51 | $240 |
| GEICO | $244 | $45 | $281 |
| Farmers | $259 | $30 | $360 |
| Capital Insurance Group | $262 | $27 | $255 |
| Allstate | $277 | $12 | $291 |
| Progressive | $301 | $-12 | $324 |
| Travelers | $307 | $-18 | $272 |
| Kemper | $339 | $-50 | $429 |
| Nationwide | $374 | $-85 | $486 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Fontana
GEICO offers the lowest monthly rates for young drivers in Fontana: $45 for minimum coverage and $118 for full coverage. The table below highlights the cheapest options for various driver profiles.
| GEICO | Minimum Coverage | $45 |
| GEICO | Full Coverage | $118 |
| National General | Drivers With a DUI | $104 |
| Capital Insurance Group | Drivers With An Accident | $113 |
| National General | Drivers With a Speeding Ticket | $104 |
Cheapest Car Insurance Companies for Young Drivers in Fontana
GEICO offers the most affordable auto insurance for young drivers at $82 per month. The table below shows other companies with competitive rates.
| GEICO | $82 | $43 |
| Progressive | $86 | $38 |
| Capital Insurance Group | $96 | $28 |
| National General | $99 | $26 |
| State National | $103 | $22 |
| AAA | $105 | $19 |
| Mercury | $112 | $12 |
| State Farm | $113 | $11 |
| Hartford | $115 | $9 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Fontana
GEICO and National General offer Fontana's most affordable car insurance options for seniors. Rates vary based on personal factors. The table below shows the cheapest providers for different driver and coverage profiles.
| GEICO | Minimum Coverage | $38 |
| GEICO | Full Coverage | $99 |
| National General | Drivers With a DUI | $87 |
| Capital Insurance Group | Drivers With An Accident | $95 |
| National General | Drivers With a Speeding Ticket | $87 |
Cheapest Car Insurance Companies for Seniors in Fontana
GEICO offers the cheapest monthly premium for seniors at $68 for both minimum and full coverage. Progressive follows closely with a rate of $72 per month. The table below shows the top car insurance providers for seniors in Fontana.
| GEICO | $68 | $28 |
| Progressive | $72 | $25 |
| State Farm | $75 | $21 |
| Hartford | $77 | $20 |
| State National | $80 | $17 |
| Capital Insurance Group | $81 | $16 |
| AAA | $81 | $15 |
| National General | $82 | $14 |
| Mercury | $87 | $10 |
| Nationwide | $96 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Fontana
In Fontana, high-risk drivers pay more for minimum coverage and full coverage than the state average. Bad credit and DUIs significantly increase car insurance costs, while accidents and speeding tickets have a smaller impact.
| State Average | $1,239 | $2,989 |
| Fontana Average | $1,244 | $3,030 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a speeding ticket, may affect your insurance for a few years. For serious offenses, such as a DUI, insurers take note for longer, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Fontana
National General offers the cheapest minimum coverage for drivers with a DUI at $722 per year. It also provides the cheapest full coverage at $1,320 annually. Check the table below for more low-cost coverage options.
| National General | $60 | $110 |
| Mercury | $83 | $202 |
| Capital Insurance Group | $89 | $216 |
| GEICO | $93 | $245 |
| Farmers | $90 | $347 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Fontana
Capital Insurance Group, GEICO and State National offer the cheapest auto insurance after an at-fault accident in Fontana. cheapest car insurance for drivers with an at-fault accident in Fontana. The table below shows various providers offering affordable coverage.
| Capital Insurance Group | $59 | $141 |
| State National | $71 | $169 |
| GEICO | $68 | $171 |
| AAA | $78 | $171 |
| Farmers | $72 | $277 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Fontana
National General is the cheapest car insurance provider for drivers with a speeding ticket in Fontana, offering rates of $60 for minimum coverage and $110 for full coverage. Check the table below to see how other providers charge drivers with a speeding ticket.
| National General | $60 | $110 |
| Capital Insurance Group | $56 | $138 |
| AAA | $65 | $146 |
| GEICO | $58 | $153 |
| Kemper | $60 | $168 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Minimum Car Insurance Requirements in Fontana, CA
In California, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
If you're in a car accident in California, this minimum coverage will help pay for injuries and damage up to these amounts, keeping you financially protected.
Cheap Car Insurance in Fontana: Bottom Line
GEICO is Fontana's most affordable option for minimum coverage at just $38, and Progressive leads for full coverage at $100. Regardless of your age or credit, affordable options are available. Ensure your policy meets California requirements, including bodily injury and property damage liability. Compare providers to secure budget-friendly coverage that complies with state laws.
Fontana Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Fontana.
What is the cheapest car insurance company in Fontana, CA?
The cheapest car insurance company in Fontana is GEICO, offering minimum coverage at $38 monthly.
What is the best car insurance company in Fontana, CA?
Capital Insurance Group is the best car insurance provider in Fontana, with a MoneyGeek score of 86 out of 100. The average annual premium for minimum coverage is $1,027.
How much does car insurance cost on average in Fontana, CA?
The average car insurance cost in Fontana for minimum coverage ranges from $57 to $137 per month.
Best Cheap Car Insurance in Fontana: Our Methodology
MoneyGeek analyzed Fontana auto insurance prices using data from the California Department of Insurance and Financial Services and Quadrant Information Services.
Fontana Driver Profile
To assess the best and most affordable auto insurance options for Fontana residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Fontana
In assessing the car insurance quotes for Fontana, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
The minimum coverage requirements in California are:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek gathered quotes from insurance companies in Fontana for the average driver of various ages who is driving a Toyota Camry with a clean record.
For more details on our evaluation process, see MoneyGeek's methodology.
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.