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.


Insurance Rates

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

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Last Updated: 12/1/2022
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In Fontana, the cheapest insurer for an average driver is Esurance; it’s also the cheapest with a ticket. Progressive has the lowest rate for minimum liability, whereas USAA is inexpensive for those with military backgrounds. MoneyGeek ranked AAA as the best insurer for balancing quality service and affordability in Fontana. The best for you depends on your profile and coverage.

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The Cheapest and Best Car Insurance in Fontana

The Cheapest Car Insurance Companies in Fontana

For a full coverage auto insurance policy in Fontana, the cheapest insurance companies are:

  • Esurance: $1,064 average per year
  • Progressive: $1,198 average per year

Military members, veterans and their families can opt for a USAA policy for full coverage at roughly $1,116 yearly.

Allied, the most expensive company, costs up to $659 more per year than Esurance.

A full coverage policy comes with comprehensive and collision insurance, but depending on the liability coverage you purchase, the rate will vary.

Cheapest Car Insurance in Fontana
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
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    State Farm
  • 10.
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MoneyGeek collected quotes for a 40-year-old male driver in Fontana with a full coverage policy, as described in our methodology.

A full coverage policy is better than minimum liability coverage despite being more costly. That’s because it gives you liability plus additional coverages:

  • Comprehensive insurance: covers expenses in case your car is stolen, vandalized or damaged due to other incidents
  • Collision insurance: covers your car’s damages in a collision

Depending on the value of your car, you may find that a minimum liability policy is a better option if the cost of a full coverage policy exceeds the value of your car.

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

Cheapest Car Insurance in Fontana for Minimum Coverage

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.

Cheapest Minimum Liability Car Insurance in Fontana
State Minimum

For a low car insurance premium, a state minimum coverage policy is the most affordable option. However, this type of policy only carries the minimum liability limits required by California — 15/30/5 plus uninsured motorist — so it offers limited protection.

For example, if you cause an accident where the medical expenses are higher than $15,000, the bodily injury limit of a minimum coverage policy, you have to pay the remaining amount.

California Minimum Liability Requirements

  • Item
  • 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.

Cheapest Car Insurance in Fontana if You Have Driving Violations

In Fontana, having a violation, like an at-fault accident, a DUI or ticket, results in higher car insurance. Depending on your violation, the cheapest car insurers in Fontana are:

  • Cheapest after a ticket: Esurance, $1,350 average per year
  • Cheapest after an at-fault accident: Esurance, $1,676 average per year
  • Cheapest after a DUI: Mercury, $2,185 average per year

For those with a military background, USAA has a cheap rate after a ticket of roughly $1,220 yearly.

Drivers in Fontana with poor records can get cheaper rates by improving their records over time. The best way to get affordable rates now is to compare quotes to find the cheapest insurance for drivers with violations.

Cheapest Car Insurance in Fontana With a Violation
Speeding Ticket

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.

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.

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

The Best Car Insurance Companies in Fontana

To find the best car insurance companies, MoneyGeek ranked the different insurers based on average prices, claims ratings and user satisfaction. Based on our analysis, the following are the best car insurance companies in Fontana:

  • Esurance: 90.0 out of 100
  • AAA: 83.4 out of 100

USAA received a MoneyGeek score of 94.2 out of 100, but it was not included in our rankings because policies are only available to military members and their families.

There are no ratings for this company
Geek Quick Take
Geek Quick Take

Esurance received the best score for affordability among car insurers in Fontana. The insurer offers one unique coverage option called custom parts coverage. The average cost of a premium for a 40-year-old driver in Fontana is $1,064 per year.

More About Esurance

Custom parts coverage protects aftermarket upgrades to your car, like a fancy sound system or custom grill, up to a $4,000 limit. With an Esurance car insurance policy, you can also add roadside assistance coverage and rental car and/or travel reimbursement coverage to your policy for a small fee.

Read MoneyGeek's Esurance auto Insurance Review
There are no ratings for this company
Geek Quick Take
Geek Quick Take

AAA received a perfect score for claims ratings and high scores for financial stability, customer satisfaction and affordability. With AAA car insurance, policyholders can get identity theft coverage, which is rarely offered by other insurers. In Fontana, the average cost of a policy for a 40-year-old is $1,284 per year.

More About AAA

Identity theft coverage is included in your policy as a AAA member. You can choose between a few options for an added cost, but the standard coverage is free. Each option comes with varying levels of identity theft protection. The standard option includes credit monitoring, assistance for card cancellations and support for fraud resolution. AAA helps you track your records, informs you of any suspicious activity in your accounts and investigates potential cases of identity theft. If you need to check your credit history, you can also do so with this coverage.

Read MoneyGeek's AAA auto Insurance Review

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
  • 92336

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.

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Most Accidents With Fatalities88th/300
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Most Car Thefts286th/300
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Most Uninsured Motorists by State12th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall271st/300
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Most Rainy Days255th/300

About the Author


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.