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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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

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.

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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.


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:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

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:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

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:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

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

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:


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124Cups of Coffee
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29Months of Your Favorite Streaming Service

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

  • 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.

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

Liability Only
Full Coverage
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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.

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
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Most Annual Rainfall247th/300
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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.

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About the Author


expert-profile

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.