Compare the Cheapest Car Insurance Quotes in Fontana, CA

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.

Loading...
By  
  |  
iconribbonbestauto insuranceFontana2021

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.

Scroll for more

swipe icon

Average Cost of Car Insurance in Fontana

Fontana$1,436
California$1,429
U.S.$1,424

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.

Loading...

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.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

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:


coffeeColor icon
124Cups of Coffee
computer icon
29Months of Your Favorite Streaming Service

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

  • Item
    Description
  • 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

Liability Only
Full Coverage
Loading...

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.

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 Code
    State Minimumper year
  • 92335
    $1,435
  • 92336
    $1,437
iconribbontop ratedCar Insurance agentsFontana2021

Top Agents Offering Affordable Car Insurance in Fontana

1. Lyzet's Tax Service8275 Sierra Ave, Ste 105, Fontana, CA, 92335
122 ratings
2. Promax Insurance Agency7950 Cherry Ave, Ste 114, Fontana, CA, 92336
5 ratings
3. Farmers Insurance - Maria Herrera8436 Sierra Ave, Ste B, Fontana, CA, 92335
3 ratings
4. Strong Tie Insurance9765 Sierra Ave, Ste 2, Fontana, CA, 92335
3 ratings
5. Finger Printing Fontana16616 Foothill Blvd, Ste A, Fontana, CA, 92335
6 ratings

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.

accident2 icon
Most Accidents With Fatalities88th/300
handcuffs2 icon
Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall271st/300
umbrella icon
Most Rainy Days255th/300

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.

Loading...

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.