Cheapest and Best Car Insurance in Fontana, CA (July 2024)


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Updated: June 30, 2024

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In Fontana, California, GEICO provides the cheapest minimum coverage car insurance policy, while Progressive is the most affordable for full coverage. Families with teens will find that State Farm is the most affordable. Chubb leads in customer service, while Capital Insurance Group delivers the best overall value, balancing price with service. Individual preferences and coverage needs will determine your ideal choice.

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2024

Cheapest and Best Car Insurance in Fontana

Why Trust MoneyGeek? We analyzed 352,910 quotes in California from 18 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Fontana insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Fontana, CA as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Fontana

MoneyGeek found that GEICO offers the cheapest car insurance with minimum coverage in Fontana.

  • GEICO: $460 per year
  • Mercury: $496 per year

Chubb has the most expensive minimum coverage policy at $876 per year. This significant price difference of $416 between the cheapest and most expensive providers shows the importance of comparing rates to find the best car insurance deal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$460Monthly Premium$38
MercuryAnnual Premium$496Monthly Premium$41
ProgressiveAnnual Premium$511Monthly Premium$43
KemperAnnual Premium$541Monthly Premium$45
AAAAnnual Premium$544Monthly Premium$45
State NationalAnnual Premium$602Monthly Premium$50
FarmersAnnual Premium$604Monthly Premium$50
Capital Insurance GroupAnnual Premium$611Monthly Premium$51

State Minimum Liability Requirements

In California, state law defines minimum car insurance coverages. These are the required limits:

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $5,000 property damage liability per accident

If you're insured for the minimum coverage and cause an accident, your policy would cover up to $15,000 for injuries to one person and up to $30,000 for all injuries in that accident. For damages exceeding these limits, you are liable for them out of pocket.

Cheapest Full Coverage Car Insurance in Fontana

MoneyGeek found that Progressive offers Fontana's cheapest full coverage car insurance. These are the top two cheapest providers:

  • Progressive: $1,204 per year
  • GEICO: $1,236 per year

Farmers has the most expensive full coverage policy in Fontana at $2,223 per year, which is $1,019 more than Progressive. This price gap highlights the importance of comparing rates to find affordable full coverage car insurance. Full coverage generally costs more than minimum coverage due to additional protections like comprehensive and collision insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,204Monthly Premium$100
GEICOAnnual Premium$1,236Monthly Premium$103
National GeneralAnnual Premium$1,255Monthly Premium$105
AAAAnnual Premium$1,255Monthly Premium$105
MercuryAnnual Premium$1,275Monthly Premium$106
State NationalAnnual Premium$1,431Monthly Premium$119
Capital Insurance GroupAnnual Premium$1,442Monthly Premium$120
AllstateAnnual Premium$1,451Monthly Premium$121

Do You Need Full Coverage in California?

A full coverage policy increases your liability limits. However, it also includes comprehensive and collision coverages.

  • Collision insurance: This is designated to address repairs to your car following an incident where you hit another vehicle or object, such as a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive insurance: This covers damages to your automobile caused by various non-collision incidents, such as theft, vandalism, fires, natural disasters or being struck by an animal like a deer.

For drivers with a new car, opting for full coverage insurance is prudent to protect a substantial asset. However, those with older cars should weigh the merits of extra insurance against the cost, as the premium hike might not justify the level of additional coverage for a car with diminished value. Accurately gauging how much car insurance you need is important — ample coverage must be balanced against cost, with the risk being that lower coverage could result in being underprotected.

Cheapest Car Insurance in Fontana After a Driving Offense

MoneyGeek found that specific insurance providers in Fontana offer the lowest rates for drivers with different violations looking for full coverage policies. The most affordable options for each driving offense are as follows:

  • Speeding Ticket: National General ($1,317 per year)
  • At-Fault Accident: Capital Insurance Group ($1,696 per year)
  • DUI: National General ($1,317 per year)

Travelers is the most expensive provider after getting a speeding ticket and an at-fault accident, with an average annual rate of $3,112 and $3,452, respectively. Hartford is the most expensive provider after a DUI, at around $5,352 per year. Although the severity of a driving offense can significantly affect car insurance premiums, the type of violation might not drastically change the rate depending on the company.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,317Monthly Premium$110
AAAAnnual Premium$1,625Monthly Premium$135
Capital Insurance GroupAnnual Premium$1,659Monthly Premium$138
MercuryAnnual Premium$1,682Monthly Premium$140
GEICOAnnual Premium$1,838Monthly Premium$153
KemperAnnual Premium$2,020Monthly Premium$168
State NationalAnnual Premium$2,033Monthly Premium$169
AllstateAnnual Premium$2,115Monthly Premium$176

In Fontana and other cities across the U.S., insurance premiums are influenced by the severity of driving violations due to the increased risk they represent to insurers. For example, drivers with a speeding ticket may face an annual insurance rate of around $2,217, while those with a DUI could see rates surge to approximately $3,699. Given these significant rate differences, it becomes crucial for individuals with driving offenses to diligently compare insurance quotes to secure potential savings on their premiums.

Cheapest Car Insurance in Fontana for Teens and Their Families

MoneyGeek found that State Farm offers the most affordable full coverage car insurance for both female and male teens in Fontana.

  • State Farm: $3,059 per year for female teens and $3,059 per year for male teens
  • GEICO: $3,150 per year for female teens; Farmers: $3,180 per year for male teens

These rates are based on a full coverage policy covering two parents and a teen driver. Nationwide presents the most expensive teen family policy in Fontana, with an annual cost of $5,285 for female teens. The significant rate disparity of $2,226 between State Farm and Nationwide for female teens illustrates the importance of comparison shopping, especially when adding high-risk drivers like teenagers to an insurance policy.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$3,059Individual Plan Monthly Premium$3,386
GEICOFamily Plan Annual Premium$3,150Individual Plan Monthly Premium$3,557
FarmersFamily Plan Annual Premium$3,180Individual Plan Monthly Premium$4,689
Capital Insurance GroupFamily Plan Annual Premium$3,368Individual Plan Monthly Premium$3,288
AllstateFamily Plan Annual Premium$3,587Individual Plan Monthly Premium$3,864
ProgressiveFamily Plan Annual Premium$3,749Individual Plan Monthly Premium$4,120
TravelersFamily Plan Annual Premium$4,020Individual Plan Monthly Premium$3,634
KemperFamily Plan Annual Premium$4,655Individual Plan Monthly Premium$6,214

Teen drivers in Fontana and other cities often face hefty car insurance rates, with the average annual premium for an individual teen policy amounting to $4,543. However, by joining a joint family plan, the cost significantly drops to an average of $3,803 annually. Insurers typically charge higher rates for teens due to their limited driving experience and higher risk of accidents. Moreover, obtaining individual policies can be challenging for teens, as insurers may hesitate to provide coverage without an established driving record or credit history. Teens must evaluate the benefits of family plans for more affordable options.

Cheapest Car Insurance in Fontana for Military Drivers

MoneyGeek found that Progressive offers the cheapest car insurance for those with military backgrounds in Fontana. The top two cheapest companies are:

  • Progressive: $1,204 per year
  • GEICO: $1,236 per year

Although USAA isn't the cheapest provider on the list, with an annual premium of $1,278, its services are tailored to the needs of active duty military members. Consider it if you are eligible for its policies.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,204Monthly Premium$100
GEICOAnnual Premium$1,236Monthly Premium$103
National GeneralAnnual Premium$1,255Monthly Premium$105
AAAAnnual Premium$1,255Monthly Premium$105
MercuryAnnual Premium$1,275Monthly Premium$106
USAAAnnual Premium$1,278Monthly Premium$106
State NationalAnnual Premium$1,431Monthly Premium$119
Capital Insurance GroupAnnual Premium$1,442Monthly Premium$120

How to Compare Cheap Fontana Car Insurance Quotes Online

In Fontana, securing the most economical car insurance rates typically takes an hour of meticulously researching at least three companies.

MoneyGeek's car insurance calculator streamlines this endeavor. By inputting key factors like age, driving history, credit score and desired coverage, you can swiftly receive tailored rate estimates, expediting the time to substantial savings.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 22, 2024

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Best Car Insurance in Fontana: Overview

Choosing the right auto insurance involves weighing various factors like service quality, cost and coverage. MoneyGeek's research, utilizing distinct scoring systems for each criterion, identified Fontana's top insurers tailored to different preferences:

  • Best overall: Capital Insurance Group (MoneyGeek score 84 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 80 out of 100)

Capital Insurance Group offers a well-rounded package and is the overall best company. With the highest service score, Chubb might appeal to those prioritizing customer experience. Mercury is the best cheap option for budget-conscious consumers who focus on savings without compromising on service.

Overall Best Car Insurance in Fontana

MoneyGeek found that Capital Insurance Group is the best option in Fontana for car owners seeking the best car insurance.

  • Capital Insurance Group: MoneyGeek score of 84 out of 100 ($1,442 per year)
  • Mercury: MoneyGeek score of 79 out of 100 ($1,275 per year)

Capital Insurance Group stands out in Fontana with a high MoneyGeek score, attributed to its outstanding customer satisfaction and claims service. It offers full coverage policies, and its score reflects a commitment to providing quality protection and service to its policyholders.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
84/ of 100

Overview

Capital Insurance Group's high MoneyGeek score is largely due to excellent satisfaction and claims scores, which showcase its commitment to customer service and efficient claims handling. The company doesn't provide rental car and/or travel reimbursement, a common car insurance coverage. However, it offers roadside assistance.

Capital Insurance Group distinguishes itself with rare coverages such as custom parts coverage, which ensures drivers using name-brand parts for their vehicles are not left at a disadvantage. Full glass coverage is also beneficial, offering convenient repairs for auto glass without requiring a visit to a service center. These offerings complement their robust customer service and contribute to a comprehensive insurance plan that holds value for a broad customer base.

Best Car Insurance in Fontana for Customer Service

MoneyGeek found that Chubb is the best option in Fontana for those prioritizing exceptional car insurance customer service. This ranking is based on overall satisfaction, claims processing efficiency and the breadth of coverages, regardless of cost.

  • Chubb: MoneyGeek score of 94 out of 100 ($2,128 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,442 per year)

Chubb stands out primarily for its claims handling, where it earned a perfect score. This aspect, coupled with its high satisfaction and coverage ratings, makes Chubb a leader in providing quality car insurance services in Fontana.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb’s high satisfaction and claims scores largely contribute to its stellar MoneyGeek score. Chubb features the two most common car insurance coverages: rental car and/or travel reimbursement and roadside assistance. Although the company doesn't provide certain coverages, it is still a solid choice, particularly given its high ratings.

Chubb offers valuable coverages for drivers, including original equipment manufacturer (OEM) coverage, which is highly beneficial for maintaining the integrity of a vehicle with original factory parts in repairs. Its antique/classic car insurance is essential coverage for collectors, ensuring their prized vehicles are well-protected. Its diminished value coverage offers compensation for value lost after accident repairs, which can provide financial protection for owners concerned about resale value. The coverages offered and its impressive ratings underscore Chubb's reliability and customer-first approach in the insurance marketplace.

Best Cheap Car Insurance in Fontana

MoneyGeek found that Mercury is the best option for cheap car insurance in Fontana for those seeking a balance between cost and quality service. Here are the two top providers based on their MoneyGeek scores:

  • Mercury: MoneyGeek score of 80 out of 100 ($496 per year)
  • Capital Insurance Group: MoneyGeek score of 79 out of 100 ($611 per year)

Mercury leads primarily due to its high affordability rating, which contributes significantly to its overall MoneyGeek score. Mercury is an ideal choice for drivers who prioritize savings without compromising on service quality. It's important to note that these scores reflect the cost of a minimum coverage policy. This distinction is important for consumers seeking the most cost-effective insurance solutions.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
80/ of 100

Overview

Mercury stands out for its exceptional affordability rating, which contributes significantly to its high MoneyGeek score. The company's average annual premium is $496, allowing the average driver to save substantial amounts on minimum coverage.

Mercury has a comprehensive range of discounts, providing all four most common: bundling, multiple car, safe driving and a senior discount for drivers 55 or older. Additionally, Mercury rewards drivers with an automatic payment discount for setting up autopay, ensuring timely payments while reducing paperwork — an advantage for the organized and environmentally conscious driver. The company also offers an anti-theft system discount, rewarding drivers who install an anti-theft device in their cars.

Average Cost of Car Insurance in Fontana

In Fontana, California, the average car insurance premium is $1,562. This rate is consistent with California's overall average car insurance cost, which is also $1,562. Car insurance in the Golden State is less expensive than the national average, with Californians paying $219 less than the typical national annual cost of $1,781.

While many factors influence car insurance premiums, geographic location plays a significant role. Factors like population density, average commute lengths and the likelihood of accidents or theft can vary widely from place to place, impacting local insurance rates. For example, MoneyGeek's analysis reveals that Santa Maria, California, boasts the cheapest premium at $1,106, whereas Glendale is the most expensive at $2,115. This significant difference of $1,009 highlights the variability in car insurance costs within California. Premiums may be even more affordable in more rural, non-city areas with less traffic, leading to reduced collision risks.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331
ClovisAnnual Premium$1,395
ConcordAnnual Premium$1,473
CoronaAnnual Premium$1,525
Costa MesaAnnual Premium$1,501
Daly CityAnnual Premium$1,712
DowneyAnnual Premium$1,749
East Los AngelesAnnual Premium$1,800
El CajonAnnual Premium$1,438
El MonteAnnual Premium$1,784
Elk GroveAnnual Premium$1,535
EscondidoAnnual Premium$1,382
FairfieldAnnual Premium$1,392
FontanaAnnual Premium$1,565
FremontAnnual Premium$1,446
FresnoAnnual Premium$1,442
FullertonAnnual Premium$1,661
Garden GroveAnnual Premium$1,679
GlendaleAnnual Premium$2,433
HaywardAnnual Premium$1,549
Huntington BeachAnnual Premium$1,523
InglewoodAnnual Premium$1,963
IrvineAnnual Premium$1,585
Jurupa ValleyAnnual Premium$1,507
LancasterAnnual Premium$1,670
Long BeachAnnual Premium$1,685
Los AngelesAnnual Premium$2,138
ModestoAnnual Premium$1,577
Moreno ValleyAnnual Premium$1,546
MurrietaAnnual Premium$1,415
NorwalkAnnual Premium$1,661
OaklandAnnual Premium$1,657
OceansideAnnual Premium$1,396
OntarioAnnual Premium$1,565
OrangeAnnual Premium$1,462
OxnardAnnual Premium$1,436
PalmdaleAnnual Premium$1,722
PasadenaAnnual Premium$1,798
PomonaAnnual Premium$1,630
Rancho CucamongaAnnual Premium$1,503
RialtoAnnual Premium$1,577
RichmondAnnual Premium$1,562
RiversideAnnual Premium$1,543
RosevilleAnnual Premium$1,458
SacramentoAnnual Premium$1,494
SalinasAnnual Premium$1,346
San BernardinoAnnual Premium$1,567
San DiegoAnnual Premium$1,349
San FranciscoAnnual Premium$1,670
San JoseAnnual Premium$1,429
San MateoAnnual Premium$1,385
Santa AnaAnnual Premium$1,577
Santa ClaraAnnual Premium$1,420
Santa ClaritaAnnual Premium$1,634
Santa MariaAnnual Premium$1,251
Santa RosaAnnual Premium$1,479
Simi ValleyAnnual Premium$1,528
StocktonAnnual Premium$1,594
SunnyvaleAnnual Premium$1,413
TemeculaAnnual Premium$1,432
Thousand OaksAnnual Premium$1,589
TorranceAnnual Premium$1,518
VallejoAnnual Premium$1,547
VenturaAnnual Premium$1,341
VictorvilleAnnual Premium$1,598
VisaliaAnnual Premium$1,333
VistaAnnual Premium$1,355
West CovinaAnnual Premium$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.