Cheapest and Best Car Insurance in Ontario, CA (July 2024)

In Ontario, California, Progressive is the cheapest provider for minimum coverage and full coverage car insurance. Farmers is the most affordable for families with teens. Chubb excels in customer service, while Capital Insurance Group offers the best overall value when considering both price and service. Choosing the best fit depends on your individual preferences and coverage needs.

MoneyGeek found that Progressive is the cheapest option in Ontario, with the most affordable minimum coverage car insurance. The top two providers of the cheapest car insurance are:

• Progressive: $449 per year
• Kemper: $513 per year

Chubb has the most expensive minimum coverage policy in Ontario, costing $786 per year. The significant price difference of $337 stresses the importance of comparing rates to ensure you're getting the best deal for your car insurance.

For all cities in California, state law dictates car insurance minimums. These are the mandated limits:

• $15,000 bodily injury per person
• $30,000 bodily injury per accident
• $5,000 property damage liability per accident

If you're insured for the minimum in bodily injury liability, your policy may cover up to $15,000 for an individual's injuries and up to $30,000 for one accident. Should expenses surpass these limits, you'd be responsible for the difference, bearing the burden out of pocket.

MoneyGeek found that Progressive is the best option for the cheapest full coverage car insurance in Ontario.

• Progressive: $1,117 per year
• AAA: $1,255 per year

Farmers charges the most for full coverage policies in Ontario, with an annual premium of $2,121. The rate difference between the cheapest and most expensive providers highlights the importance of comparing rates to save money. Full coverage policies are pricier than minimum coverage because they provide a broader range of protection against various incidents.

Full coverage car insurance policies have higher liability caps. They also encompass both comprehensive and collision protection:

• Collision Insurance: This provision assists with the costs of repairing your vehicle if it's involved in a collision, whether it strikes another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage pays for your car's repairs from non-collision incidents, such as theft, fires, vandalism, damage due to harsh weather conditions or getting hit by an animal.

Securing full coverage insurance for a brand-new vehicle is often advised to protect the financial investment. However, for older vehicles, the extra coverage and associated expenses may not be justifiable. It's critical to assesshow much car insurance you need to strike the right balance between being adequately insured and managing premiums.

MoneyGeek found that National General is the cheapest company for drivers with a poor driving record who require full coverage in Ontario. The premiums for different offenses vary, underscoring the impact a poor driving record can have on insurance costs.

• Speeding Ticket: National General ($1,493 per year)
• At-Fault Accident: Capital Insurance Group ($1,694 per year)
• DUI: National General ($1,493 per year)

Hartford has the most expensive annual premium after a DUI ($5,462), Travelers after an at-fault accident ($3,532) and Nationwide after getting a speeding ticket ($3,250). The severity of violations can significantly influence car insurance rates, but you can still find affordable rates depending on the company.

In Ontario, as in many regions in the U.S., the severity of a driving offense directly impacts car insurance rates because insurers assess higher risks with more significant infractions. For instance, drivers with a DUI could face an average annual premium of $3,703, compared to $2,217 for those with a speeding ticket — a substantial difference in cost. Given this stark contrast, individuals with driving offenses must diligently compare insurance rates to secure potential savings; doing so is vital to managing the increased financial burden of elevated premiums.

MoneyGeek found that Farmers is the cheapest option in Ontario, offering the cheapest car insurance for teens. For families in Ontario looking for affordable coverage for their teenage drivers, here are the two leading companies:

• Farmers: $3,032 per year for female and male teens
• State Farm: $3,254 per year for female and male teens

These rates are for policies that cover two parents with a teen driver. Nationwide has the most expensive teen family policy in Ontario, with an annual premium of $5,692 for female and male teens. This substantial rate gap — a difference of $2,660 — underscores the importance of comparison shopping, especially given that teen drivers are considered higher risk.

In Ontario and comparable cities, teen car insurance costs are notably steep when opting for an individual policy, averaging $4,554 per year. In contrast, joining a family plan can markedly reduce this expense, with average premiums dropping to about $3,810. The disparity largely stems from the elevated risk insurers associate with inexperienced teenage drivers — a demographic statistically prone to accidents. Consequently, obtaining approval for an individual policy can be challenging for teens, further underscoring the benefits of leveraging a family's collective driving history to attain more favorable insurance rates.

MoneyGeek found that Progressive offers the cheapest car insurance for military backgrounds. The following companies offer competitive rates:

• Progressive: $1,117 per year
• USAA: $1,229 per year

Although USAA is not the cheapest option, it consistently offers services tailored to active-duty military members. For military personnel seeking both value and a military-oriented service provider, USAA remains a strong choice despite having slightly higher rates than Progressive.

Securing savings on car insurance is a smart move. However, it often involves a time-intensive process of comparing rates from multiple companies, potentially exceeding an hour of research.

MoneyGeek's car insurance calculator streamlines this endeavor. By inputting details such as age, driving record, credit score and coverage preferences, you'll quickly receive rate estimates tailored to the crucial factors influencing car insurance costs in Ontario.

Finding the ideal auto insurance hinges on your personal preference for service quality, cost, coverage options and other critical factors. MoneyGeek's thorough research, employing distinct scores for service, affordability and overall excellence, reveals the premier car insurance providers in Ontario for varied preferences:

• Best overall: Capital Insurance Group (MoneyGeek score 82 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Mercury (MoneyGeek score 77 out of 100)

Consumers keen on maximizing their budget can turn to Mercury for its blend of affordability and service. Those prioritizing customer experience will find Chubb's top-tier service worth considering. Capital Insurance Group presents a strong combination of service quality and cost-effectiveness for those seeking a well-rounded option, marking it as the finest choice across the board. Each company exemplifies distinct attributes, catering to the diverse needs of insurance shoppers.

MoneyGeek found that Capital Insurance Group is the best option for Ontario residents seeking the best car insurance. The two leading providers are:

• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,437 per year)
• Chubb: MoneyGeek score of 82 out of 100 ($1,842 per year)

Capital Insurance Group stands out in Ontario for its exceptional balance of client satisfaction and affordability. It has attained particularly high scores in satisfaction and affordability, the most influential factors in its overall MoneyGeek rating.

MoneyGeek found that Chubb is the best option in Ontario for those who prioritize outstanding car insurance customer service. This assessment is based on general satisfaction, expertise in handling claims and the breadth of coverages offered.

• Chubb: MoneyGeek score of 94 out of 100 ($1,842 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,437 per year)

Chubb distinguishes itself with the highest MoneyGeek score, propelled by its exceptional claims satisfaction and expansive coverage options. Throughout their coverage period, policyholders receive quality service and the assurance of top-notch support from Chubb.

MoneyGeek found that Mercury is the best option in Ontario for consumers seeking affordable and reliable car insurance. The MoneyGeek score emphasizes factors such as claims handling and customer satisfaction, regardless of cost.

• Mercury: MoneyGeek score of 77 out of 100 ($515 per year)
• Capital Insurance Group: MoneyGeek score of 76 out of 100 ($606 per year)

Mercury stands out for its high affordability score, solid claims processing and customer satisfaction. Its high MoneyGeek score is largely due to its low annual premium of $515 for minimum coverage and top-notch service.

With car insurance premiums varying widely across regions, it is essential to understand how local rates compare to state and national averages. In Ontario, California, the average annual cost of car insurance is $1,565. This is slightly higher than California's average cost of car insurance of approximately $1,562 per year. Compared to the national average of $1,781, Golden State residents can save around $219 per year.

Geographic location plays a significant role in determining car insurance costs, as factors such as traffic density and risk of accidents are considered. MoneyGeek's analysis highlights that not all cities within California bear the same insurance costs. For instance, the most expensive city for car insurance is Glendale, with premiums averaging $2,433, while Santa Maria boasts California's cheapest rates at just $1,251. This stark contrast of $1,182 demonstrates the impact location can have on insurance expenses. Non-urban areas with less traffic may even have lower premiums.