GEICO offers Ontario's cheapest car insurance with annual rates of $615 for minimum coverage and $1,373 for full coverage. Progressive, AAA and State Farm also provide affordable coverage options in the city.
Car Insurance in Ontario
Updated: August 1, 2025
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Key Takeaways
Ontario's cheapest car insurance companies are GEICO, Progressive and AAA, with savings up to 34% compared to the city average.
Monthly car insurance costs in Ontario average $165 for full coverage and $79 for minimum coverage.
To find the best cheap auto insurance in Ontario, compare quotes from multiple sources and choose coverage that fits your needs.
Who Has the Cheapest Car Insurance in Ontario?
| GEICO | $51 | $114 | -34% |
| Progressive | $60 | $117 | -30% |
| AAA | $61 | $132 | -23% |
| State Farm | $73 | $159 | -8% |
| Wawanesa | $80 | $156 | -6% |
Cheapest Ontario Car Insurance by Category
GEICO offers the cheapest rates in seven driver categories for Ontario car insurance. AAA wins for drivers with old cars, while State Farm provides the most affordable coverage for those with newer vehicles.
| 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 |
Compare the Cheapest Ontario Car Insurance for You
Your driving history and personal details shape what you'll pay for car insurance. Find the best rates for your situation by comparing insurance companies that specialize in your driver profile below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Geico | $51 | $615 | -37% |
| Progressive | $60 | $716 | -27% |
| AAA | $61 | $731 | -25% |
| State Farm | $73 | $880 | -10% |
| Farmers | $76 | $910 | -7% |
Best Car Insurance Companies in Ontario
In Ontario, the leading car insurance companies are Progressive, GEICO, AAA and Auto-Owners. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| 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 |
Progressive: Best Overall Coverage
pros
Strong customer service ratings
Extensive coverage options
Competitive rates across categories
cons
Not the cheapest option
Online quotes take longer
COMPANY HIGHLIGHTS
Progressive ranks first among Ontario car insurance providers by offering comprehensive coverage and reliable customer service. The company stands out for its extensive coverage options and add-ons, helping drivers customize their policies. Progressive maintains competitive rates while delivering above-average customer service, making it a solid choice for most drivers seeking balanced protection.
GEICO: Best for Affordable Rates
pros
Lowest rates in Ontario
Many driver discounts available
Quick online quotes
cons
Limited coverage options
Lower customer service ratings
COMPANY HIGHLIGHTS
GEICO offers Ontario's most affordable car insurance rates, making it an excellent choice for budget-conscious drivers. It provides the cheapest coverage for multiple driver categories, including adults, seniors, and young drivers. While GEICO's coverage options are more basic than some competitors, its straightforward approach and competitive pricing make it particularly appealing for drivers prioritizing affordability over premium features.
How Much Is Car Insurance in Ontario?
In Ontario, minimum coverage costs about $79 per month or $951 per year, ranking 1,166th out of all California cities for affordability. Full coverage averages $165 monthly or $1,985 annually, ranking 1,168th among California cities.
| Full Coverage | $165 | $1,985 |
| Minimum Coverage | $79 | $951 |
Ontario Car Insurance Cost by Category
In Ontario, monthly car insurance costs range from $64 to $404 based on driver profile and coverage type. Check the table below to see rates for your category.
| Young Drivers | $143 | $292 |
| Adult Drivers | $79 | $165 |
| Senior Drivers | $93 | $185 |
| Drivers With an Accident | $127 | $263 |
| Drivers With a DUI | $195 | $404 |
| Drivers With a Speeding Ticket | $115 | $241 |
| Drivers With Bad Credit | $177 | $376 |
| Drivers With Newer Cars | $84 | $175 |
| Drivers With Old Cars | $64 | $132 |
Ontario Car Insurance Costs by ZIP Code
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.
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ZIP Code:91758
| 91758 | $68 | $145 |
Compare Personalized Ontario Car Insurance Costs
Find rates that match your exact profile by filtering this table's combinations of age, driving history and other key factors that affect Ontario car insurance costs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $76 | $909 | 22% |
How to Get the Best Cheap Ontario Car Insurance
With car insurance rates in Ontario running higher than many California cities, finding affordable coverage can feel overwhelming. Our step-by-step guide shows you practical ways to lower your rates while maintaining the right protection for your needs.
- 1
Calculate your coverage needs
Start by determining how much coverage you actually need. Use our car insurance coverage needs calculator to evaluate your situation. Consider your car's value, your savings and your risk tolerance. This helps you avoid paying for unnecessary coverage while ensuring you have enough protection.
- 2
Look into specialized insurance options
Explore different types of car insurance that might save you money. If you drive less than average, pay-per-mile coverage could reduce your costs. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Know what others pay
Research average vehicle insurance costs in Ontario to set realistic expectations. This knowledge helps you spot good deals and avoid overpaying. Remember that your specific rate will depend on factors like your driving history, age and vehicle type.
- 4
Find all possible discounts
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.
- 5
Check company ratings and reviews
Research insurance companies' financial strength and customer service ratings. Look for reviews about claims handling and customer support in Ontario specifically. A company with slightly higher rates but excellent service might save you money and stress when you need to file a claim.
- 6
Get quotes from multiple insurers
Request quotes from at least three different insurance companies. Use a mix of online tools, local agents, and direct contact with insurers. Each company uses different factors to set rates, so comparing multiple quotes helps you find the best deal.
- 7
Review your policy annually
Mark your calendar to review your policy each year before renewal. Your life changes can affect your insurance needs and rates. Check for new discounts, coverage options and better rates from other companies.
Cheapest Car Insurance in Ontario: Bottom Line
Car insurance rates in Ontario depend on your age, driving record and vehicle type. GEICO and Progressive offer the lowest average premiums in the city, but compare quotes from multiple insurers to find your best rate.
Cheap Ontario Car Insurance: FAQ
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.
What is the cheapest car insurance company in Ontario, California?
GEICO offers the lowest rates in Ontario, with average annual premiums of $615 for minimum coverage and $1,373 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Ontario?
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.
What is the average cost of car insurance in Ontario?
In Ontario, California, car insurance costs $1,985 per year for full coverage and $951 for minimum coverage. Actual rates vary based on individual driving factors.
Is car insurance in Ontario expensive?
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.
How We Chose the Best and Cheapest Car Insurance in Ontario, CA
To help Ontario drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Ontario Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
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:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.