Cheapest and Best Car Insurance in Fontana, CA (2023)

Your driving profile and coverage requirements impact which insurance provider is the best and cheapest option for you. GEICO offers the most affordable rates for full and minimum coverage auto insurance to Fontana residents. USAA is the cheapest auto insurance provider for military members. National General is the cheapest option for drivers with offenses, and teen drivers will fare best with State Farm. If quality and other factors are important to you in addition to affordability, GEICO is MoneyGeek's top pick for best overall and best cheap car insurance categories, while Chubb offers the best auto insurance in Fontana for customer service.

Cheapest + BestCar InsuranceFontana

2023

Cheapest and Best Car Insurance in Fontana, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Fontana

The following insurers offer the cheapest minimum coverage policies in Fontana:

GEICO: $402 per year
Mercury: $438 per year

Chubb is the most expensive auto insurance provider in the city for minimum coverage, charging an average of $836 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$399	$33
GEICO	$402	$34
State Farm	$435	$36
Mercury	$438	$37
Mercury	$450	$38
GEICO	$475	$40
AAA California	$488	$41
Progressive	$503	$42
AAA California	$509	$42
Progressive	$513	$43
Travelers	$540	$45
Travelers	$540	$45
Kemper	$541	$45
Mercury	$551	$46
State Farm	$575	$48
Hartford	$583	$49
Nationwide	$583	$49
State National	$585	$49
Progressive	$600	$50
State National	$602	$50
Nationwide	$605	$50
Travelers	$614	$51
AAA California	$621	$52
Kemper	$624	$52
Farmers	$633	$53
Capital Insurance Group	$647	$54
Farmers	$649	$54
State Farm	$657	$55
Hartford	$670	$56
Capital Insurance Group	$670	$56
Allstate	$677	$56
Allstate	$685	$57
National General	$704	$59
State National	$708	$59
National General	$725	$60
Allstate	$736	$61
Farmers	$737	$61
Capital Insurance Group	$751	$63
Nationwide	$761	$63
Kemper	$827	$69
National General	$870	$73
Hartford	$875	$73
Chubb	$876	$73
Chubb	$903	$75
State Farm	$1,029	$86
GEICO	$1,041	$87
Mercury	$1,072	$89
GEICO	$1,077	$90
National General	$1,083	$90
Mercury	$1,094	$91
National General	$1,101	$92
Progressive	$1,152	$96
Progressive	$1,157	$96
AAA California	$1,178	$98
AAA California	$1,199	$100
GEICO	$1,244	$104
Allstate	$1,259	$105
Chubb	$1,263	$105
Hartford	$1,282	$107
National General	$1,319	$110
Nationwide	$1,321	$110
State Farm	$1,322	$110
State National	$1,329	$111
Allstate	$1,332	$111
Capital Insurance Group	$1,339	$112
Progressive	$1,391	$116
Capital Insurance Group	$1,419	$118
Mercury	$1,423	$119
State National	$1,431	$119
Nationwide	$1,432	$119
Allstate	$1,475	$123
Hartford	$1,476	$123
Travelers	$1,482	$124
Kemper	$1,522	$127
State Farm	$1,543	$129
Travelers	$1,556	$130
AAA California	$1,579	$132
Capital Insurance Group	$1,597	$133
Farmers	$1,675	$140
Farmers	$1,718	$143
State National	$1,760	$147
Travelers	$1,850	$154
Nationwide	$1,860	$155
Kemper	$1,878	$156
Hartford	$1,921	$160
Farmers	$2,033	$169
Chubb	$2,128	$177
Chubb	$2,198	$183
Kemper	$2,271	$189
Chubb	$3,139	$262

California state law specifies liability limits for minimum coverage insurance. State law requires that all California drivers have the following bodily injury liability and property damage liability limits:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

Liability coverage is a core part of a car insurance policy. It protects you against financial distress as a result of accidents or injuries caused to others. If you're at fault in an accident and have $15,000 in bodily injury liability per person and $30,000 per accident, your insurer will cover medical expenses for each person up to $15,000, with a maximum limit of $30,000 per incident. You are responsible for the remaining amount.

Cheapest Full Coverage Car Insurance in Fontana

The cheapest car insurance providers in Fontana for a full coverage policy are:

GEICO: $1,077 per year
National General: $1,083 per year

Chubb is the most expensive insurance company in the city, with an average annual premium of $2,128.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$399	$33
GEICO	$402	$34
State Farm	$435	$36
Mercury	$438	$37
Mercury	$450	$38
GEICO	$475	$40
AAA California	$488	$41
Progressive	$503	$42
AAA California	$509	$42
Progressive	$513	$43
Travelers	$540	$45
Travelers	$540	$45
Kemper	$541	$45
Mercury	$551	$46
State Farm	$575	$48
Hartford	$583	$49
Nationwide	$583	$49
State National	$585	$49
Progressive	$600	$50
State National	$602	$50
Nationwide	$605	$50
Travelers	$614	$51
AAA California	$621	$52
Kemper	$624	$52
Farmers	$633	$53
Capital Insurance Group	$647	$54
Farmers	$649	$54
State Farm	$657	$55
Hartford	$670	$56
Capital Insurance Group	$670	$56
Allstate	$677	$56
Allstate	$685	$57
National General	$704	$59
State National	$708	$59
National General	$725	$60
Allstate	$736	$61
Farmers	$737	$61
Capital Insurance Group	$751	$63
Nationwide	$761	$63
Kemper	$827	$69
National General	$870	$73
Hartford	$875	$73
Chubb	$876	$73
Chubb	$903	$75
State Farm	$1,029	$86
GEICO	$1,041	$87
Mercury	$1,072	$89
GEICO	$1,077	$90
National General	$1,083	$90
Mercury	$1,094	$91
National General	$1,101	$92
Progressive	$1,152	$96
Progressive	$1,157	$96
AAA California	$1,178	$98
AAA California	$1,199	$100
GEICO	$1,244	$104
Allstate	$1,259	$105
Chubb	$1,263	$105
Hartford	$1,282	$107
National General	$1,319	$110
Nationwide	$1,321	$110
State Farm	$1,322	$110
State National	$1,329	$111
Allstate	$1,332	$111
Capital Insurance Group	$1,339	$112
Progressive	$1,391	$116
Capital Insurance Group	$1,419	$118
Mercury	$1,423	$119
State National	$1,431	$119
Nationwide	$1,432	$119
Allstate	$1,475	$123
Hartford	$1,476	$123
Travelers	$1,482	$124
Kemper	$1,522	$127
State Farm	$1,543	$129
Travelers	$1,556	$130
AAA California	$1,579	$132
Capital Insurance Group	$1,597	$133
Farmers	$1,675	$140
Farmers	$1,718	$143
State National	$1,760	$147
Travelers	$1,850	$154
Nationwide	$1,860	$155
Kemper	$1,878	$156
Hartford	$1,921	$160
Farmers	$2,033	$169
Chubb	$2,128	$177
Chubb	$2,198	$183
Kemper	$2,271	$189
Chubb	$3,139	$262

A full coverage auto insurance policy protects your vehicle. It has higher liability limits and includes comprehensive and collision coverage.

Collision Insurance: Your vehicle is protected in the event of a collision with another vehicle or an object, such as a lamp post.
Comprehensive Insurance: Offers protection against car thefts, vandalism, natural disasters or fires.

Although a full coverage policy may be worth the extra cost for some drivers, those with older vehicles may not find the added coverage worthwhile.

Cheapest Car Insurance in Fontana After a Driving Offense

The following insurers offer the cheapest full coverage car insurance in Fontana for drivers with offenses:

Speeding ticket: National General ($1,138 per year)
At-fault accident: National General ($1,611 per year)
DUI: National General ($1,138 per year)

Chubb offers the most expensive premiums for drivers with a speeding ticket ($2,800 per year) and at-fault accident ($3,445 per year), while Hartford has the most expensive premiums for drivers with a DUI offense ($5,382 per year). The least expensive insurance for a driver with a poor driving record will likely still be more expensive than average-priced insurance for a driver with a clean record.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Mercury	$562	$47
Mercury	$578	$48
GEICO	$608	$51
GEICO	$615	$51
AAA California	$649	$54
State Farm	$662	$55
AAA California	$678	$57
State Farm	$691	$58
Mercury	$704	$59
Mercury	$712	$59
GEICO	$712	$59
Capital Insurance Group	$717	$60
Kemper	$719	$60
GEICO	$721	$60
Mercury	$723	$60
GEICO	$727	$61
National General	$743	$62
Capital Insurance Group	$743	$62
National General	$743	$62
Capital Insurance Group	$751	$63
National General	$766	$64
National General	$766	$64
AAA California	$775	$65
Capital Insurance Group	$779	$65
Mercury	$783	$65
Mercury	$805	$67
AAA California	$811	$68
State National	$827	$69
State National	$827	$69
Travelers	$829	$69
Kemper	$829	$69
Travelers	$829	$69
AAA California	$831	$69
Capital Insurance Group	$835	$70
Hartford	$839	$70
Hartford	$839	$70
GEICO	$850	$71
State National	$852	$71
State National	$852	$71
Farmers	$864	$72
Farmers	$864	$72
Capital Insurance Group	$873	$73
State Farm	$874	$73
Farmers	$886	$74
Farmers	$886	$74
Mercury	$891	$74
Nationwide	$902	$75
Progressive	$908	$76
State Farm	$913	$76
National General	$920	$77
National General	$920	$77
Travelers	$924	$77
Travelers	$927	$77
Progressive	$930	$78
Nationwide	$937	$78
Allstate	$946	$79
Travelers	$953	$79
Allstate	$960	$80
GEICO	$973	$81
Hartford	$977	$81
Hartford	$977	$81
GEICO	$985	$82
Mercury	$993	$83
AAA California	$994	$83
State Farm	$998	$83
Progressive	$1,004	$84
State National	$1,006	$84
State National	$1,006	$84
Nationwide	$1,006	$84
Farmers	$1,006	$84
Farmers	$1,006	$84
Progressive	$1,030	$86
Allstate	$1,036	$86
State Farm	$1,042	$87
Nationwide	$1,044	$87
National General	$1,061	$88
Travelers	$1,062	$89
Farmers	$1,079	$90
Allstate	$1,092	$91
National General	$1,094	$91
Progressive	$1,096	$91
Kemper	$1,102	$92
Progressive	$1,105	$92
Farmers	$1,107	$92
Allstate	$1,108	$92
Travelers	$1,113	$93
Travelers	$1,113	$93
Capital Insurance Group	$1,125	$94
Chubb	$1,132	$94
Progressive	$1,137	$95
National General	$1,138	$95
National General	$1,138	$95
National General	$1,158	$97
National General	$1,158	$97
Chubb	$1,160	$97
GEICO	$1,164	$97
Capital Insurance Group	$1,165	$97
Nationwide	$1,181	$98
Allstate	$1,198	$100
Progressive	$1,216	$101
Kemper	$1,221	$102
Kemper	$1,221	$102
Farmers	$1,257	$105
Travelers	$1,286	$107
Hartford	$1,306	$109
Hartford	$1,306	$109
Capital Insurance Group	$1,311	$109
National General	$1,314	$110
Nationwide	$1,317	$110
Progressive	$1,343	$112
State Farm	$1,362	$113
Chubb	$1,379	$115
National General	$1,387	$116
National General	$1,387	$116
Chubb	$1,407	$117
Mercury	$1,410	$118
Mercury	$1,444	$120
Kemper	$1,484	$124
Kemper	$1,484	$124
State National	$1,492	$124
Chubb	$1,519	$127
AAA California	$1,521	$127
State Farm	$1,527	$127
Capital Insurance Group	$1,531	$128
State National	$1,539	$128
AAA California	$1,547	$129
GEICO	$1,562	$130
Capital Insurance Group	$1,570	$131
Nationwide	$1,597	$133
State Farm	$1,600	$133
National General	$1,611	$134
GEICO	$1,615	$135
Capital Insurance Group	$1,626	$136
National General	$1,640	$137
Nationwide	$1,660	$138
Capital Insurance Group	$1,666	$139
AAA California	$1,677	$140
GEICO	$1,745	$145
AAA California	$1,756	$146
Mercury	$1,763	$147
Chubb	$1,768	$147
AAA California	$1,791	$149
Chubb	$1,792	$149
State Farm	$1,800	$150
GEICO	$1,800	$150
Mercury	$1,804	$150
AAA California	$1,808	$151
Chubb	$1,819	$152
State National	$1,828	$152
Capital Insurance Group	$1,834	$153
Allstate	$1,836	$153
GEICO	$1,867	$156
Kemper	$1,876	$156
Kemper	$1,876	$156
Capital Insurance Group	$1,881	$157
Mercury	$1,881	$157
State National	$1,887	$157
State National	$1,887	$157
Mercury	$1,889	$157
Hartford	$1,911	$159
Hartford	$1,911	$159
Mercury	$1,925	$160
Allstate	$1,946	$162
State Farm	$1,963	$164
National General	$1,966	$164
Allstate	$1,969	$164
Allstate	$2,001	$167
Hartford	$2,013	$168
Kemper	$2,020	$168
State National	$2,033	$169
State National	$2,033	$169
AAA California	$2,039	$170
Nationwide	$2,047	$171
State Farm	$2,054	$171
State Farm	$2,055	$171
GEICO	$2,083	$174
Nationwide	$2,102	$175
AAA California	$2,162	$180
Allstate	$2,164	$180
Allstate	$2,168	$181
Progressive	$2,177	$181
Chubb	$2,179	$182
Progressive	$2,191	$183
Hartford	$2,212	$184
Hartford	$2,212	$184
Nationwide	$2,223	$185
Travelers	$2,250	$187
Nationwide	$2,281	$190
Allstate	$2,286	$190
State Farm	$2,291	$191
Farmers	$2,315	$193
Farmers	$2,315	$193
Mercury	$2,352	$196
Travelers	$2,357	$196
Farmers	$2,377	$198
Farmers	$2,377	$198
Progressive	$2,377	$198
Hartford	$2,383	$199
AAA California	$2,388	$199
Capital Insurance Group	$2,394	$200
Progressive	$2,397	$200
State Farm	$2,398	$200
Allstate	$2,434	$203
Nationwide	$2,478	$207
GEICO	$2,494	$208
Kemper	$2,495	$208
Travelers	$2,504	$209
State National	$2,504	$209
State National	$2,504	$209
Mercury	$2,507	$209
Capital Insurance Group	$2,543	$212
GEICO	$2,578	$215
Travelers	$2,617	$218
Progressive	$2,642	$220
Allstate	$2,717	$226
Progressive	$2,719	$227
Progressive	$2,746	$229
Chubb	$2,800	$233
Farmers	$2,814	$234
Farmers	$2,814	$234
Travelers	$2,826	$235
Chubb	$2,869	$239
Capital Insurance Group	$2,870	$239
Progressive	$2,890	$241
Farmers	$2,893	$241
Nationwide	$2,895	$241
Hartford	$2,905	$242
Hartford	$2,905	$242
Farmers	$2,970	$248
GEICO	$2,982	$249
Kemper	$3,020	$252
Travelers	$3,134	$261
Travelers	$3,145	$262
State Farm	$3,162	$263
Nationwide	$3,233	$269
Hartford	$3,276	$273
Travelers	$3,291	$274
Progressive	$3,312	$276
Kemper	$3,337	$278
Kemper	$3,337	$278
Chubb	$3,445	$287
Chubb	$3,514	$293
Farmers	$3,516	$293
State National	$3,518	$293
Nationwide	$3,631	$303
AAA California	$3,637	$303
AAA California	$3,682	$307
State National	$3,797	$316
Chubb	$3,811	$318
Nationwide	$3,949	$329
Travelers	$3,979	$332
Allstate	$4,026	$336
State Farm	$4,064	$339
Kemper	$4,233	$353
Kemper	$4,233	$353
Allstate	$4,284	$357
Chubb	$4,461	$372
Chubb	$4,525	$377
Chubb	$4,594	$383
Hartford	$4,606	$384
State National	$4,693	$391
State Farm	$4,739	$395
Allstate	$4,781	$398
AAA California	$4,864	$405
Kemper	$4,998	$416
Kemper	$4,998	$416
Nationwide	$5,170	$431
Hartford	$5,382	$448
Chubb	$5,543	$462
Hartford	$7,190	$599

Insurance rates tend to increase in proportion to the severity of the driving offense. For instance, in Fontana, drivers with a speed ticket will pay an average of $1,404 more per year than drivers with a DUI offense. Finding the cheapest auto insurance for bad driving records will benefit you in the long run.

Cheapest Car Insurance in Fontana for Teens and Their Families

The cheapest auto insurance companies in Fontana for 16-year-old teenage drivers on a family policy are:

State Farm: $3,059 per year for both female and male teens
GEICO: $3,150 per year for female teens
Farmers: $3,180 per year for male teens

Nationwide is the most expensive insurer for teens, charging families $5,285 annually to add a male or female teen to a policy. Typically, insurance premiums for female teens are less expensive than those for male teens, as they’re considered less risky to insure. However, this cost discrepancy levels off in early adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,392	$2,236
GEICO	$1,425	$2,289
GEICO	$1,427	$2,521
GEICO	$1,443	$2,405
GEICO	$1,460	$2,345
GEICO	$1,467	$2,592
GEICO	$1,488	$2,738
GEICO	$1,507	$2,662
GEICO	$1,653	$2,470
GEICO	$1,707	$2,821
Capital Insurance Group	$1,788	$2,292
Capital Insurance Group	$1,788	$2,292
Progressive	$1,803	$2,892
Progressive	$1,803	$2,892
Nationwide	$1,837	$3,812
Nationwide	$1,837	$3,812
Progressive	$1,951	$3,131
Progressive	$1,951	$3,131
Allstate	$1,967	$3,208
Allstate	$1,967	$3,208
Kemper	$1,984	$3,980
Kemper	$1,984	$3,980
Nationwide	$2,014	$4,179
Nationwide	$2,014	$4,179
Capital Insurance Group	$2,035	$2,714
Capital Insurance Group	$2,035	$2,714
Allstate	$2,059	$3,358
Allstate	$2,059	$3,358
Nationwide	$2,079	$4,780
Nationwide	$2,079	$4,780
Progressive	$2,088	$3,869
Progressive	$2,088	$3,869
Kemper	$2,095	$4,203
Kemper	$2,095	$4,203
Allstate	$2,112	$3,731
Allstate	$2,112	$3,731
State Farm	$2,112	$3,094
State Farm	$2,112	$3,094
Capital Insurance Group	$2,117	$2,714
Capital Insurance Group	$2,117	$2,714
Capital Insurance Group	$2,117	$2,714
Capital Insurance Group	$2,117	$2,714
GEICO	$2,127	$3,590
Allstate	$2,133	$3,479
Allstate	$2,133	$3,479
Nationwide	$2,159	$4,480
Nationwide	$2,159	$4,480
Farmers	$2,178	$3,114
Farmers	$2,178	$3,114
Progressive	$2,186	$3,508
Progressive	$2,186	$3,508
State Farm	$2,197	$3,219
State Farm	$2,197	$3,219
Kemper	$2,206	$4,942
Kemper	$2,206	$4,942
GEICO	$2,211	$4,141
State Farm	$2,235	$3,492
State Farm	$2,235	$3,492
Travelers	$2,246	$3,064
Travelers	$2,246	$3,064
State Farm	$2,248	$3,293
State Farm	$2,248	$3,293
Allstate	$2,263	$3,748
Allstate	$2,263	$3,748
Kemper	$2,279	$4,571
Kemper	$2,279	$4,571
Travelers	$2,325	$3,171
Travelers	$2,325	$3,171
GEICO	$2,327	$3,477
Capital Insurance Group	$2,363	$3,054
Capital Insurance Group	$2,363	$3,054
Travelers	$2,373	$3,404
Travelers	$2,373	$3,404
State Farm	$2,394	$3,560
State Farm	$2,394	$3,560
GEICO	$2,419	$3,997
Travelers	$2,423	$3,305
Travelers	$2,423	$3,305
Nationwide	$2,433	$5,240
Nationwide	$2,433	$5,240
Farmers	$2,439	$3,611
Farmers	$2,439	$3,611
Capital Insurance Group	$2,450	$3,054
Capital Insurance Group	$2,450	$3,054
Farmers	$2,526	$3,611
Farmers	$2,526	$3,611
Farmers	$2,526	$3,611
Farmers	$2,526	$3,611
State Farm	$2,542	$3,965
State Farm	$2,542	$3,965
Kemper	$2,555	$5,240
Kemper	$2,555	$5,240
State Farm	$2,565	$3,814
State Farm	$2,565	$3,814
Progressive	$2,589	$4,244
Progressive	$2,589	$4,244
Allstate	$2,596	$4,777
Allstate	$2,596	$4,777
Capital Insurance Group	$2,624	$3,390
Capital Insurance Group	$2,624	$3,390
Allstate	$2,638	$4,369
Allstate	$2,638	$4,369
Travelers	$2,647	$3,572
Travelers	$2,647	$3,572
Farmers	$2,728	$4,141
Farmers	$2,728	$4,141
Kemper	$2,767	$5,675
Kemper	$2,767	$5,675
Kemper	$2,791	$6,257
Kemper	$2,791	$6,257
State Farm	$2,825	$5,027
State Farm	$2,825	$5,027
Travelers	$2,873	$4,122
Travelers	$2,873	$4,122
Travelers	$2,917	$3,937
Travelers	$2,917	$3,937
GEICO	$2,938	$5,192
Farmers	$2,948	$4,769
Farmers	$2,948	$4,769
Farmers	$2,976	$4,517
Farmers	$2,976	$4,517
State Farm	$2,995	$5,330
State Farm	$2,995	$5,330
Nationwide	$2,998	$7,244
Nationwide	$2,998	$7,244
State Farm	$3,059	$5,972
State Farm	$3,059	$5,972
GEICO	$3,080	$6,035
Farmers	$3,104	$6,145
Farmers	$3,104	$6,145
GEICO	$3,150	$5,797
Farmers	$3,180	$6,427
Farmers	$3,180	$6,427
Farmers	$3,190	$6,316
Farmers	$3,190	$6,316
Nationwide	$3,198	$6,888
Nationwide	$3,198	$6,888
Progressive	$3,228	$6,006
Progressive	$3,228	$6,006
GEICO	$3,231	$5,709
GEICO	$3,321	$6,822
Capital Insurance Group	$3,368	$4,196
Capital Insurance Group	$3,368	$4,196
Capital Insurance Group	$3,368	$4,196
Capital Insurance Group	$3,368	$4,196
Capital Insurance Group	$3,368	$4,196
Capital Insurance Group	$3,368	$4,196
GEICO	$3,401	$6,663
Progressive	$3,431	$5,623
Progressive	$3,431	$5,623
Allstate	$3,463	$6,869
Allstate	$3,463	$6,869
Allstate	$3,587	$7,236
Allstate	$3,587	$7,236
Allstate	$3,648	$7,236
Allstate	$3,648	$7,236
Progressive	$3,725	$7,635
Progressive	$3,725	$7,635
Progressive	$3,749	$7,702
Progressive	$3,749	$7,702
Progressive	$3,764	$7,714
Progressive	$3,764	$7,714
Travelers	$3,839	$5,197
Travelers	$3,839	$5,197
Travelers	$4,011	$5,429
Travelers	$4,011	$5,429
Travelers	$4,020	$5,698
Travelers	$4,020	$5,698
Kemper	$4,210	$8,544
Kemper	$4,210	$8,544
Nationwide	$4,555	$9,793
Nationwide	$4,555	$9,793
Kemper	$4,612	$9,360
Kemper	$4,612	$9,360
Kemper	$4,655	$10,433
Kemper	$4,655	$10,433
Nationwide	$5,121	$11,011
Nationwide	$5,121	$11,011
Nationwide	$5,285	$13,290
Nationwide	$5,285	$13,290

It’s significantly cheaper to add a teen to a family policy than to purchase an individual policy. In Fontana, adding your 16-year-old male teen to your family policy could save you $673 per year. To help you get the best deal, MoneyGeek compiled a list of the cheapest auto insurance for teens.

Cheapest Car Insurance in Fontana for Military Drivers

In Fontana, the following insurers offer the cheapest full coverage policies to military-affiliated drivers:

USAA: $959 per year
GEICO: $1,077 per year

For minimum coverage policies, GEICO is the most affordable insurance provider at $402 per year, while USAA is the second-cheapest option at $417 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$399	$33
GEICO	$402	$34
USAA	$417	$35
USAA	$417	$35
State Farm	$435	$36
Mercury	$438	$37
Mercury	$450	$38
GEICO	$475	$40
AAA California	$488	$41
Progressive	$503	$42
USAA	$504	$42
AAA California	$509	$42
Progressive	$513	$43
Travelers	$540	$45
Travelers	$540	$45
Kemper	$541	$45
Mercury	$551	$46
State Farm	$575	$48
Hartford	$583	$49
Nationwide	$583	$49
State National	$585	$49
Progressive	$600	$50
State National	$602	$50
Nationwide	$605	$50
Travelers	$614	$51
AAA California	$621	$52
Kemper	$624	$52
Farmers	$633	$53
Capital Insurance Group	$647	$54
Farmers	$649	$54
State Farm	$657	$55
Hartford	$670	$56
Capital Insurance Group	$670	$56
Allstate	$677	$56
Allstate	$685	$57
National General	$704	$59
State National	$708	$59
National General	$725	$60
Allstate	$736	$61
Farmers	$737	$61
Capital Insurance Group	$751	$63
Nationwide	$761	$63
Kemper	$827	$69
National General	$870	$73
Hartford	$875	$73
Chubb	$876	$73
Chubb	$903	$75
USAA	$938	$78
USAA	$959	$80
State Farm	$1,029	$86
GEICO	$1,041	$87
Mercury	$1,072	$89
GEICO	$1,077	$90
National General	$1,083	$90
Mercury	$1,094	$91
National General	$1,101	$92
USAA	$1,148	$96
Progressive	$1,152	$96
Progressive	$1,157	$96
AAA California	$1,178	$98
AAA California	$1,199	$100
GEICO	$1,244	$104
Allstate	$1,259	$105
Chubb	$1,263	$105
Hartford	$1,282	$107
National General	$1,319	$110
Nationwide	$1,321	$110
State Farm	$1,322	$110
State National	$1,329	$111
Allstate	$1,332	$111
Capital Insurance Group	$1,339	$112
Progressive	$1,391	$116
Capital Insurance Group	$1,419	$118
Mercury	$1,423	$119
State National	$1,431	$119
Nationwide	$1,432	$119
Allstate	$1,475	$123
Hartford	$1,476	$123
Travelers	$1,482	$124
Kemper	$1,522	$127
State Farm	$1,543	$129
Travelers	$1,556	$130
AAA California	$1,579	$132
Capital Insurance Group	$1,597	$133
Farmers	$1,675	$140
Farmers	$1,718	$143
State National	$1,760	$147
Travelers	$1,850	$154
Nationwide	$1,860	$155
Kemper	$1,878	$156
Hartford	$1,921	$160
Farmers	$2,033	$169
Chubb	$2,128	$177
Chubb	$2,198	$183
Kemper	$2,271	$189
Chubb	$3,139	$262

How to Compare Cheap Fontana Car Insurance Quotes Online

Inputting the personal information required for a single auto insurance quote could take up to 15 minutes. When comparing rates from multiple providers, this time can add up. MoneyGeek’s car insurance calculator quickly approximates your rate based on your age, vehicle model, coverage level and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Fontana: Summary

The best auto insurer for you will vary based on your coverage needs, driver profile and preferences. The following are the best auto insurance companies in Fontana, CA for different categories:

Best overall: GEICO (MoneyGeek score of 75 out of 100)
Best for service: Chubb (MoneyGeek score of 76 out of 100)
Best cheap: GEICO (MoneyGeek score of 78 out of 100)

An insurer’s total MoneyGeek score varies across categories based on parameters that are weighted differently for each category. While the best insurer in Fontana is GEICO, CSAA is the best car insurance provider in California. This shows how location can impact the best car insurer for you. With a MoneyGeek score of 85 out of 100, USAA is another excellent choice for auto insurance in Fontana if you have a military background.

Best Overall Car Insurance in Fontana

The following are the best car insurance companies in Fontana:

GEICO: MoneyGeek score of 75 out of 100 ($1,077 per year)
Capital Insurance Group: MoneyGeek score of 72 out of 100 ($1,419 per year)

Of the 14 providers we ranked, GEICO has the cheapest rates and one of the highest customer satisfaction scores. This allows policyholders to receive quality customer service at a low cost. USAA is another excellent option for individuals with a military background. With a MoneyGeek score of 85 out of 100, USAA offers relatively affordable full coverage policies in Fontana at $959 per year.

How was this MoneyGeek score calculated?

pros

Has the cheapest rates

Has a good customer service rating

Offers mechanical breakdown insurance

cons

Has a relatively low claims management rating

Offers few coverage options

COMPANY HIGHLIGHTS

MoneyGeek ranked GEICO as the best overall auto insurance provider in Fontana, CA. It offers the cheapest policies and provides above-average customer service. Of the insurers we reviewed, it has the best balance between cost and customer satisfaction, offering the cheapest policies and providing above-average service.

This insurer offers mechanical breakdown insurance, which provides more coverage at a lower cost than the average dealer-extended warranty and encompasses all parts and systems, not just the particular list of items covered by most dealer warranties.

GEICO also offers classic car insurance for those with classic or vintage vehicles. This coverage includes many of the same coverages as a standard auto insurance policy, like uninsured and underinsured motorist coverage, as well as medical coverages like personal injury protection and medical payments coverage. Roadside assistance coverage available through GEICO includes coverage for flat tires, towing, jump starts and lockout services.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Fontana for Customer Service

The best car insurance companies for customer service in Fontana, excluding cost from our score system, are:

Chubb: MoneyGeek score of 76 out of 100 ($2,128 per year)
Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,419 per year)

Chubb has the highest rating for claims management and the second-highest rating for customer service. Drivers will pay for the superior customer experience — the insurer has the most expensive rates of the providers in our comparison group.

How was this MoneyGeek score calculated?

pros

Has the second-highest customer satisfaction rating

Has the highest claims management rating

Offers diminished value coverage

cons

Offers few coverage options

COMPANY HIGHLIGHTS

Chubb is the best insurance provider for customer service in Fontana, CA. It received high scores for both customer service and claims management. In terms of add-on coverages, Chubb customers can purchase diminished value coverage, also known as agreed value coverage, which protects you in the event that your vehicle is stolen or totaled. With this coverage, you’ll be reimbursed for the value of your vehicle that was agreed upon when you initially purchased a policy.

Chubb also provides rental car and/or travel reimbursement coverage, which allows you to borrow a vehicle of the same or comparable to your own. You can also buy original equipment manufacturer (OEM) coverage, which ensures that the insurer will pay for original components and repair processes specific to your vehicle's model, thereby enhancing its safety and performance.

Best Cheap Car Insurance Companies in Fontana

Based on affordability and customer satisfaction, the following insurers offer the cheapest minimum coverage policies in Fontana:

GEICO: MoneyGeek score of 78 out of 100 ($402 per year)
Mercury: MoneyGeek score of 71 out of 100 ($438 per year)

Minimum coverage policies may cost the least, but they offer the lowest amount of liability protection and won’t cover accident-related damages to your vehicle.

How was this MoneyGeek score calculated?

pros

An affordable minimum coverage policy costs $402 per year

Offers discounts for bundling, insuring multiple cars and installing daytime running lights

Has a good customer satisfaction rating

cons

Offers few coverage options

Has a low claims experience rating

COMPANY HIGHLIGHTS

GEICO offers the best cheap car insurance in Fontana, CA. It performed well in terms of cost and customer satisfaction. This insurer provides multiple discounts that may further reduce your insurance premiums. For example, you can obtain a bundling discount for purchasing home, renters, condo or mobile home insurance from GEICO. You can also receive a discount if you insure multiple vehicles. GEICO also offers discounts for completing defensive driving and driver's education courses.

You can also get a discount for installing daytime running lights, a discount only offered by a few companies. In terms of coverage options, you can get roadside assistance coverage which pays for the cost of flat tires, towing, jump starts and lockout services.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Fontana

Location is one of many factors that can impact the cost of your insurance. The average cost of auto insurance in Fontana is $1,384 per year, which is $3 less than the average cost of car insurance in California at $1,387 per year . However, it is $119 more than the national average cost of auto insurance at $1,265 per year as of October 2022. These rates apply to a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Fontana, CA

Compare Rates

On This Page:

Cheapest Minimum Liability Car Insurance in Fontana

Cheapest Full Coverage Car Insurance in Fontana

Cheapest Car Insurance in Fontana After a Driving Offense

Cheapest Car Insurance in Fontana for Teens and Their Families

Cheapest Car Insurance in Fontana for Military Drivers

How to Compare Cheap Fontana Car Insurance Quotes Online

Best Car Insurance in Fontana: Summary

Best Overall Car Insurance in Fontana

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Fontana for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Fontana

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Fontana