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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.

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The Best Cheap Car Insurance Companies in Fontana

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.

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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.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Fontana by Coverage Amount

How much car insurance coverage you purchase in Fontana also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

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 by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Fontana if You Have Tickets

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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $1,350
    $1,676
    $2,651
  • 2. USAA
    $1,220
    $1,944
    $3,157
  • $1,747
    $2,306
    $2,185
  • $2,007
    $2,290
    $3,212
  • $2,300
    $2,509
    $2,894
  • 6. AAA
    $1,694
    $1,942
    $3,984
  • $2,272
    $2,839
    $2,839
  • $1,977
    $2,502
    $4,427
  • $2,512
    $2,787
    $3,487
  • $2,292
    $2,386
    $4,786
  • 11. Allied
    $2,415
    $2,776
    $4,174
  • $2,561
    $3,610
    $6,010
  • $1,772
    $2,304
    $8,596

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
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Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall271st/300
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Most Rainy Days255th/300

Shopping around for car insurance in Fontana could save you $372, which is enough to buy:


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124Cups of Coffee
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29Months of Your Favorite Streaming Service

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.

Compare Car Insurance Rates in Fontana

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.