Many factors can influence your car insurance rates in the city of Fontana, such as your age, your car and your driving history. Where you live can also affect how much you need to pay for car insurance premiums. To get an accurate rate, you must get personalized car insurance quotes in Fontana that fit your driving profile and insurance needs.
Compare the Cheapest Car Insurance Quotes in Fontana, CA
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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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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

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.
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California Minimum Liability Requirements
- ItemDescription
- 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
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$1,051$1,116
- 2. Esurance$1,016$1,064
- 3. Progressive$1,076$1,198
- 4. AAA$1,161$1,284
- 5. Mercury$1,237$1,335
- 6. GEICO$1,226$1,358
- 7. MetLife$1,269$1,369
- 8. Allstate$1,315$1,394
- 9. State Farm$1,400$1,558
- 10. Travelers$1,566$1,682
- 11. Hartford$1,484$1,614
- 12. Farmers$1,538$1,652
- 13. Allied$1,590$1,723
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. Esurance$1,350$1,676$2,651
- 2. USAA$1,220$1,944$3,157
- 3. Mercury$1,747$2,306$2,185
- 4. GEICO$2,007$2,290$3,212
- 5. Progressive$2,300$2,509$2,894
- 6. AAA$1,694$1,942$3,984
- 7. Farmers$2,272$2,839$2,839
- 8. Allstate$1,977$2,502$4,427
- 9. Travelers$2,512$2,787$3,487
- 10. State Farm$2,292$2,386$4,786
- 11. Allied$2,415$2,776$4,174
- 12. Hartford$2,561$3,610$6,010
- 13. MetLife$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 CodeState Minimumper year
- 92335$1,435
- 92336$1,437
Top Agents Offering Affordable Car Insurance in Fontana
Insurance Providers That Serve Fontana
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.
Shopping around for car insurance in Fontana could save you $372, which is enough to buy:
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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

About the Author
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.