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.

Compare Auto Insurance Rates

Insurance Rates

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

widget-location-pin
Last Updated: 5/16/2022
Advertising & Editorial Disclosure
By     |  

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, while 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.

iconribbonbestauto insuranceFontana2022

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.
    Esurance
    $1,064
  • 2.
    USAA
    $1,116
  • 3.
    Progressive
    $1,198
  • 4.
    AAA
    $1,284
  • 5.
    Mercury
    $1,335
  • 6.
    GEICO
    $1,358
  • 7.
    MetLife
    $1,369
  • 8.
    Allstate
    $1,394
  • 9.
    State Farm
    $1,558
  • 10.
    Hartford
    $1,614
  • 11.
    Farmers
    $1,652
  • 12.
    Travelers
    $1,682
  • 13.
    Allied
    $1,723

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: 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.

widget-location-pin
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
    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.

Cheapest Car Insurance in Fontana if You Have Driving Violations

In Fontana, having a violation, like an at-fault accident, 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$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.

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.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Fontana

To help you find the best combination of quality service and affordability, MoneyGeek ranked the best insurers in Fontana. The analysis found that the highest-scoring auto insurers are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA outscored all the other insurers in Fontana, but it is only available to drivers with a military background, so it is not listed as best overall. If eligible, it’s a great choice for car insurance.

MoneyGeek’s ranking system is based on a comprehensive rating system that factors in J.D. Power user satisfaction ratings, financial stability and affordability scores.


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:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

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:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

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:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

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

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

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.

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.