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.
Compare the Cheapest Car Insurance Quotes in Ontario, CA
The Cheapest and Best Car Insurance in Ontario
The Cheapest Car Insurance Companies in Ontario
In Ontario, the following two insurance companies are the most affordable for a full coverage car insurance policy:
- Esurance: $1,053 annually
- USAA: $1,102 annually (only serving current and former military members)
When analyzing the cheapest companies offering full coverage car insurance, MoneyGeek used a sample profile of a 40-year-old male driver with a full coverage policy, including liability and comprehensive collision coverage.
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Average Cost of Car Insurance in Ontario
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.
The Best Car Insurance Companies in Ontario
MoneyGeek ranked the best insurance companies in Ontario to help drivers find an insurance plan that balances affordability and great service. According to MoneyGeek's scoring system, the two best companies for most drivers are:
- AAA: MoneyGeek score of 90 of 100
- GEICO: MoneyGeek score of 90 of 100
USAA received the highest score in Ontario by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek used data from J.D. Power's ratings for affordability, financial stability and user satisfaction to evaluate the companies' scores out of 100.
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.
Shopping around for car insurance in Ontario could save you $371, which is enough to buy:
Cheapest Car Insurance in Ontario by Coverage Amount
Regardless of where you live, one of the most significant factors influencing insurance costs is the amount of coverage you purchase. In Ontario, a state minimum liability plan covering bodily injuries and property damages costs an average of $667 annually. In contrast, a full coverage policy with higher liability limits costs an additional $757 at an average of $1,424 yearly.
California Minimum Liability Requirements
- 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.
There are several coverage levels available to drivers in Ontario. You can choose between a state minimum liability plan, 50/100/50 liability-only or full-coverage policies or a 100/300/100 full-coverage plan. A 50/100/50 policy means you may claim $50,000 for bodily injury per person, $100,000 for total injuries per accident and $50,000 for property damage.
For most drivers seeking the cheapest car insurance in Ontario, Progressive offers the lowest average annual rate of $473 for the state’s minimum liability coverage. Upgrading that policy to 50/100/50 liability-only increases rates to $659 on average, while 50/100/50 full-coverage plans cost around $1,053.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Ontario if You Have Driving Violations
If you have a speeding ticket, DUI or at-fault accident in your driving record, expect your car insurance rates to increase. In Ontario, Esurance charges $1,053 on average for a driver with a clean record. If you have a speeding ticket, that rate jumps by around $283 and an at-fault accident adds an average of $604. A DUI will drive your rates up by roughly $1,570 per year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
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.
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