GEICO offers Ontario's cheapest car insurance at $615 annually for minimum coverage and $1,373 for full coverage. Progressive, AAA and State Farm also provide affordable options.
Car Insurance in Ontario
Updated: October 22, 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.
Compare quotes from multiple sources to find Ontario's best cheap auto insurance for 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% |
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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 determine your car insurance costs. Compare insurers below that specialize in your driver profile.
Data filtered by:
Adult Drivers
Male
State Minimum Liability Only
Good
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
Progressive, GEICO, AAA and Auto-Owners lead Ontario's car insurance market with competitive rates, reliable customer service and comprehensive coverage.
| 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 insurers with comprehensive coverage and reliable customer service. It offers extensive coverage options and add-ons for policy customization. Progressive combines competitive rates with above-average customer service, making it ideal for 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 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.
How Much Is Car Insurance in Ontario?
Ontario's minimum coverage costs about $79 monthly or $951 annually, ranking 1,166th among California cities for affordability. Full coverage averages $165 monthly or $1,985 annually, ranking 1,168th statewide.
| 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.
Data filtered by:
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:
Adult Drivers
Male
State Minimum Liability Only
Good
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.
- 1Calculate 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.
- 2Look into specialized insurance options
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.
- 3Know what others pay
Research average vehicle insurance costs in Ontario to set realistic expectations and spot good deals. Your specific rate depends on your driving history, age and vehicle type.
- 4Find 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.
- 5Check 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.
- 6Get quotes from multiple insurers
Request quotes from at least three insurers using online tools, local agents and direct contact. Companies use different rating factors, so comparing multiple quotes helps you find the best deal.
- 7Review 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, but you should compare quotes from multiple insurers.
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 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.
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?
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.
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
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:
- 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.
