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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.