Compare the Cheapest Car Insurance Quotes in Ontario, CA

Ontario's average annual car insurance cost of $1,424 is slightly more than California's state average. MoneyGeek found that Esurance is the cheapest widely available insurer in the city after rating insurance companies based on coverage level and driver profile. If you're looking for affordable insurance with quality service, MoneyGeek's recommendations on Ontario’s insurers can help you find the best provider for you.

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Last Updated: 5/16/2022
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In Ontario, Esurance offers the cheapest car insurance for full coverage and for drivers with a speeding ticket. Progressive has the cheapest widely available state minimum coverage, although if you’re in the military, USAA might be another affordable option. MoneyGeek’s pick for the best overall car insurance company is AAA, with its balance of excellent customer service and affordability.

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The Cheapest and Best Car Insurance in Ontario

The Cheapest Car Insurance Companies in Ontario

The cheapest car insurance companies in Ontario that offer widely available, full coverage policies are:

  • Esurance: $1,053 per year
  • Progressive: $1,154 per year

Current or former military members and their families can purchase coverage from USAA, which offers the second cheapest average rate in the city at $1,102 annually.

Esurance is the cheapest option for Ontario drivers looking for full coverage. An Esurance policy is 72% less than a policy from Allied — the most expensive insurer in Ontario. Full coverage policies are those that include both comprehensive and collision insurance. Remember that your premium can vary for full coverage, depending on the liability limits you select.

Cheapest Car Insurance in Ontario
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,053
  • 2.
    USAA
    $1,102
  • 3.
    Progressive
    $1,154
  • 4.
    AAA
    $1,212
  • 5.
    MetLife
    $1,339
  • 6.
    Mercury
    $1,341
  • 7.
    GEICO
    $1,361
  • 8.
    Allstate
    $1,432
  • 9.
    Hartford
    $1,544
  • 10.
    State Farm
    $1,557
  • 11.
    Farmers
    $1,604
  • 12.
    Travelers
    $1,680
  • 13.
    Allied
    $1,811

MoneyGeek obtained average rates for a 40-year-old male driver with full coverage car insurance, as per our methodology.

Full coverage car insurance is more expensive than a policy that only meets the state minimum requirements, but it does include comprehensive and collision insurance. That full coverage gives you additional protection against the cost of repairing damage to your vehicle.

  • Comprehensive Coverage: This pays for repairs to your car when damaged in a non-collision-related incident, such as fire, vandalism or an adverse weather event.
  • Collision Coverage: This pays to repair your car after a collision.

Having liability-only or state minimum car insurance may be a better option for drivers with older vehicles. This is because the premiums for full coverage insurance can add up to more than your car’s replacement value.

Compare Car Insurance Rates in Ontario

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

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Cheapest Car Insurance in Ontario for Minimum Coverage

Ontario drivers looking for the cheapest available insurance may opt for a policy that only meets the state minimum requirements. The most affordable options for this coverage are:

  • Progressive: $473 per year
  • AAA: $539 per year

USAA has the cheapest average annual rate at $446, but it’s only available to drivers who are military members. A policy from Progressive costs $356 less per year than the most expensive option, Farmers.

While it’s the most affordable option, minimum coverage doesn’t include comprehensive and collision insurance. It can also have low levels of liability coverage. All of this means that you risk not being fully covered in an accident.

Check out the table below to see how rates change based on liability limits.

Cheapest Minimum Liability Car Insurance in Ontario
State Minimum

By law, California drivers must have insurance that meets California’s minimum requirements of 15/30/5 liability coverage. As the cheapest insurance, it can certainly save you money on premiums. The drawback, though, is that you could end up owing substantial amounts if you’re in an accident.

For instance, if you’re in an at-fault accident and the other driver’s medical bills are $25,000, your insurer will pay $15,000 of that amount. You’d be responsible for paying the balance of $10,000.

California Minimum Liability Requirements

  • Item
    Description
  • 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.

Cheapest Car Insurance in Ontario if You Have Driving Violations

Any driving violation on your record, from speeding tickets and DUIs to at-fault accidents, can lead to higher auto insurance rates.

The most affordable car insurance policies for Ontario drivers with violations are:

  • Cheapest after a ticket: Esurance, $1,336 per year
  • Cheapest after an at-fault accident: Esurance, $1,657 per year
  • Cheapest after a DUI: Mercury, $2,197 per year

USAA has the cheapest average annual rate at $1,204 for drivers with a speeding ticket, but only military members are eligible for its policies.

Drivers with poor records may see lower premiums after improving their driving records over time. In the meantime, shopping around is the best way to find affordable insurance after a ticket or an accident.

Cheapest Car Insurance in Ontario With a Violation
Speeding Ticket

Average Cost of Car Insurance in Ontario

Ontario$1,424
California$1,429
U.S.$1,424

The average car insurance premium for a typical driver in the United States is $1,424 annually, while the average yearly cost in California is $1,429. Ontario drivers pay an average of $1,424 per year, meaning costs in this city fall right in line with the state and national rates.

Personalized Quotes to Get You the Cheapest Car Insurance in Ontario

Your personal background and driving history are unique. Insurers consider factors like your age, gender, driving experience, location and more. That’s why you can’t depend solely on average rates. To determine how much you need to pay for your specific situation, compare personalized insurance quotes to find out which company offers the best rates.

Compare Car Insurance Rates in Ontario

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

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The Best Car Insurance Companies in Ontario

MoneyGeek ranked the best insurance companies in Ontario to help drivers find an insurer that balances affordability with excellent customer service. According to MoneyGeek’s scoring system, the two best companies for most drivers are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA, the highest-ranking company based on MoneyGeek’s rating system, isn’t listed as best overall because it’s only available to military families.

MoneyGeek used ratings for affordability, financial stability and user satisfaction from consumer intelligence company J.D. Power to evaluate the companies' scores out of 100.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Where you live in Ontario affects your annual car insurance premium. This is because different neighborhoods have varying rates of car thefts, accidents and uninsured drivers. In Ontario, drivers from ZIP code 91761 pay around $90 more per year than drivers from the 91764 neighborhood.

  • Zip Code
    State Minimumper year
  • 91761
    $1,373
  • 91762
    $1,437
  • 91764
    $1,463

Factors That Impact Insurance Costs in Ontario

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 Ontario. How Ontario ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities117th/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall247th/300
umbrella icon
Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Ontario 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.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.