Updated: November 13, 2025
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GEICO offers the cheapest car insurance in Ontario at $615 per year for minimum coverage and $1,373 per year for full coverage. Other insurers serving Ontario include Progressive, AAA and State Farm.
Ontario drivers pay an average of $951 per year for minimum coverage and $1,985 per year for full coverage.
GEICO also offers the cheapest car insurance in California at $465 per year for minimum coverage and $1,091 per year for full coverage.
GEICO dominates affordable coverage across driver profiles in Ontario. Clean record adult drivers secure the lowest premiums at $615 annually. Young drivers pay $1,248 per year with GEICO.
Your driving record significantly impacts your costs. A DUI increases your annual rate to $1,485 with GEICO, 141% higher than clean record rates. An at-fault accident costs $1,090 per year with GEICO. Speeding tickets 11 to 15 mph over raise your premium to $922 annually with GEICO.
| Young Drivers | GEICO | $104 |
| Adult Drivers | GEICO | $51 |
| Senior Drivers | GEICO | $56 |
| Drivers With an Accident | GEICO | $91 |
| Drivers With a DUI | GEICO | $124 |
| Drivers With a Speeding Ticket | GEICO | $77 |
| Drivers With Bad Credit | GEICO | $98 |
| Drivers With Newer Cars | State Farm | $52 |
| Drivers With Old Cars | AAA | $39 |
GEICO provides Ontario's cheapest minimum coverage at $615 per year, 35% below the city average of $951. Full coverage costs $1,373 annually with GEICO versus Ontario's average of $1,985.
Progressive offers competitive alternatives at $716 for minimum coverage and $1,405 for full coverage. GEICO's pricing advantage saves Ontario drivers about $28 monthly for minimum coverage compared to typical city rates.
| GEICO | $51 | $114 | -34% |
| Progressive | $60 | $117 | -30% |
| AAA | $61 | $132 | -23% |
| State Farm | $73 | $159 | -8% |
| Wawanesa | $80 | $156 | -6% |
Adult drivers in Ontario benefit from the most affordable rates at $615 annually with GEICO. Senior drivers pay $667 per year with GEICO. Young drivers face premiums of $1,248 annually with GEICO, 103% higher than adults.
GEICO maintains the lowest rates across all three age categories in Ontario. The substantial cost gap between young and adult drivers reflects California's insurance market dynamics, where even with prohibited rating factors, experience remains a key pricing component.
| Geico | $51 | $615 | -37% |
| Progressive | $60 | $716 | -27% |
| AAA | $61 | $731 | -25% |
| State Farm | $73 | $880 | -10% |
| Farmers | $76 | $910 | -7% |
GEICO offers Ontario drivers with clean records the best available rates at $615 per year. A speeding ticket 11 to 15 mph over increases your cost to $922 annually with GEICO, adding $307 to your yearly bill.
Serious violations result in much larger increases. An at-fault accident raises your rate to $1,090 per year with GEICO. A DUI pushes your premium to $1,485 annually with GEICO, more than doubling your clean record rate. These penalties persist for years, making safe driving essential for affordable coverage.
| Geico | $91 | $1,090 |
| AAA | $93 | $1,117 |
| Auto Owners | $97 | $1,164 |
| Progressive | $97 | $1,170 |
| Farmers | $103 | $1,233 |
Progressive leads Ontario insurance providers with a MoneyGeek score of 92, balancing competitive rates with quality service. GEICO follows at 87, offering the city's lowest premiums and efficient claims processing.
Both carriers maintain solid financial strength and customer service records. Progressive's higher score reflects its overall value proposition, while GEICO's lower rates make it particularly attractive for Ontario residents focused on minimizing their insurance expenses.
| Progressive | 92 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 85 | 3 | 5 | 7 |
| Auto Owners | 82 | 7 | 1 | 6 |
| Mercury Insurance | 80 | 6 | 6 | 5 |
Strong customer service
Wide range of coverage options
Competitive pricing in most categories
Not always the lowest rates
Online quotes can take longer
Progressive ranks first among Ontario insurers for its well-rounded coverage and dependable customer support. It offers plenty of add-ons to personalize your policy and combines fair pricing with strong service, making it a great choice for drivers who want solid, balanced protection.
Offers some of the lowest rates in Ontario
Includes a variety of driver discounts
Provides fast online quotes
Fewer coverage options than competitors
Customer service ratings are lower than average
GEICO offers Ontario's most affordable car insurance rates for budget-conscious drivers. It provides the cheapest coverage for adults, seniors and young drivers. GEICO's coverage options are more basic than competitors, but its straightforward approach and low pricing appeal to drivers who prioritize affordability over premium features.
Ontario drivers pay an average of $951 per year for minimum coverage and $1,985 per year for full coverage. These rates exceed California statewide averages, driven by the region's high population density and traffic congestion.
GEICO's premiums of $615 for minimum coverage and $1,373 for full coverage fall significantly below city averages. This difference translates to potential savings of $336 annually for minimum coverage and $612 for full coverage versus typical Ontario rates.
| Full Coverage | $165 | $1,985 |
| Minimum Coverage | $79 | $951 |
In Ontario, car insurance rates by ZIP code range from $68 to $185 per month. ZIP code 91762 is the most expensive, while 91758 is the cheapest. Check the average rates for your ZIP code below.
| 91758 | $68 | $145 |
Car insurance costs more in Ontario than in many California cities. This guide shows you how to lower your rates without sacrificing coverage you need.
Figure out how much coverage you actually need using our car insurance calculator. Think about your car’s value, savings and comfort level with risk. This helps you avoid paying for extras while still getting the protection you need.
Explore specialized car insurance options that might save money. pay-per-mile coverage works well if you drive less than average. Non-owner insurance covers occasional driving without car ownership.
Look up the average cost of car insurance in Ontario to get a sense of what’s reasonable. Your own rate depends on factors like your driving record, age and vehicle type.
Take advantage of every car insurance discount available. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver programs, good student discounts and defensive driving course credits to maximize your savings.
Look into each insurer’s financial strength and customer service. Pay attention to reviews about claims handling and support in Ontario. Sometimes, paying a bit more for a company with great service can save you time and stress later.
Collect quotes from at least three companies through online tools, local agents, or direct inquiries. Each insurer uses different pricing factors, so comparing a few options helps you find the best rate.
Set a reminder to check your policy before it renews each year. Life changes can affect your rates and coverage needs. Look for new discounts, better options or lower rates from other insurers.
Car insurance rates in Ontario depend on your age, driving record and vehicle type. GEICO and Progressive offer the lowest average premiums, but you should compare quotes from multiple insurers.
Our FAQ section answers your questions about finding affordable car insurance in Ontario. We break down coverage options and cost-saving opportunities to help you secure the right protection at the best price.
GEICO offers Ontario's lowest rates at $615 annually for minimum coverage and $1,373 for full coverage. Your actual rate depends on personal factors like driving history and age, so compare quotes from multiple insurers.
Progressive leads Ontario's car insurance providers with a MoneyGeek score of 92 out of 100, scoring 5 points higher than GEICO. Progressive excels in both affordability and quality service.
Car insurance in Ontario, California costs $1,985 annually for full coverage and $951 for minimum coverage. Your actual rate varies based on driving factors like age, record and vehicle type.
Car insurance in Ontario costs more than average, ranking 1,166th for minimum coverage affordability and 1,168th for full coverage compared to other California cities.
Ontario drivers pay higher car insurance rates than many California cities, so we designed our research to find companies offering the best combination of affordability and quality service for local drivers. Our analysis helps you compare options based on your specific driver profile rather than generic state averages.
Ontario Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Ontario
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
