Cheapest Car Insurance in Ontario, CA (2025)

Ontario drivers pay an average of $948 per year for minimum coverage and $1,980 per year for full coverage. Ontario has some of California's highest rates, largely due to its high population density, traffic congestion and vehicle theft rates. 

• Cheapest minimum liability coverage: GEICO offers Ontario's most affordable minimum coverage at $615 per year ($51 monthly). That's 35% lower than the city average of $948, saving you $333 annually. Progressive comes in second for minimum coverage at $716 per year ($60 monthly), a 24% savings compared to the city average.
• Cheapest full coverage: GEICO provides the most affordable full coverage at $1,373 per year ($114 monthly), 30% below the city average of $1,980. That's $607 in annual savings. Progressive's full coverage costs $1,405 per year ($117 monthly), which is still 29% below the city average but $32 more than GEICO's annual cost.

Car insurance costs in Ontario vary by age group, with younger drivers experiencing the highest premiums. Here are the most affordable car insurance companies in Ontario by age group:

• Adults: GEICO and Progressive offer the lowest rates for adult drivers
• Seniors: GEICO and State Farm provide the best value for senior drivers
• Young drivers: GEICO and State Farm tie for the most competitive rates among younger drivers

Young drivers under 25 can reduce costs through Progressive's Good Student Discount, saving up to 10% with a B average, plus 20% off with their Continuous Insurance Discount. Senior drivers aged 50 and up qualify for State Farm's Defensive Driving Course Discount.

Having driving violations makes car insurance more expensive. Shopping around after a violation can help you find insurers that penalize your specific offense less severely. You can secure affordable coverage in Ontario by comparing providers that offer the most competitive rates for drivers with your violation type. Here are the most affordable car insurance options in Ontario by violation:

• Accident: GEICO at $90 and AAA at $93 monthly
• Ticket: GEICO at $76 and AAA at $84 monthly
• DUI: GEICO at $123 and Farmers at $128 monthly
  

Minor violations remain on your driving record for 3 years, after which rates generally decrease.

Ontario drivers face different car insurance costs depending on their ZIP code. Full coverage premiums range from $145 monthly in area 91758 to $185 monthly in 91762. The table below shows exact rates for your specific Ontario ZIP code.

Progressive scored 92 out of 100 on MoneyGeek's rating scale. GEICO is the next best, with a score of 87 out of 100, making both insurers excellent choices for California residents.

Progressive dominates in coverage options, earning high marks for the number of standard and specialty coverages available, plus unique add-ons that protect your specific needs. The company also ranks second in affordability, delivering competitive rates alongside comprehensive protection.

GEICO has the most budget-friendly premiums for drivers seeking quality coverage. Both insurers maintain strong financial stability ratings.

See below for why each insurer is best and which fits your needs.

Shop around, secure better rates and select the right protection for your needs:

Our experts tackle your questions about finding affordable auto coverage in the city:

We analyzed hundreds of thousands of quotes from major insurers using data from the California Department of Insurance and Quadrant Information Services. Our research covered all Ontario ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (California's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing theft reports.

Coverage options (10%): More choices mean better odds of matching coverage to Ontario risks like severe weather damage, uninsured motorists and theft in high-risk areas.