Compare Rates and Save on Auto Insurance

widget-location-pin

The most affordable insurance provider for you will depend on your background and needs. Progressive is the cheapest company and the best option for full and minimum coverage policies. National General is the best option if you have a driving offense, particularly a speeding ticket or a DUI record, while Farmers is ideal for teens on a family policy. If you have a military background, USAA is the best option. Opt for Chubb’s policies for the best customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceOntario
2023

Cheapest and Best Car Insurance in Ontario, CA

Cheapest Minimum Liability Car Insurance in Ontario

The following companies offer the cheapest minimum coverage car insurance policies:

  • Progressive: $445 per year
  • GEICO: $462 per year

Chubb is the most expensive car insurance company, offering a policy at an average cost of $786 per year as of October 2022.

Company
Annual Premium
Monthly Premium

Progressive

$445

$37

Progressive

$450

$38

GEICO

$456

$38

GEICO

$462

$39

Mercury

$470

$39

State Farm

$472

$39

AAA California

$482

$40

Mercury

$482

$40

AAA California

$502

$42

Kemper

$513

$43

Progressive

$527

$44

GEICO

$545

$45

Travelers

$555

$46

Travelers

$555

$46

Kemper

$591

$49

Mercury

$593

$49

Hartford

$599

$50

State National

$603

$50

AAA California

$615

$51

State National

$620

$52

State Farm

$623

$52

Travelers

$631

$53

Nationwide

$631

$53

Farmers

$635

$53

Capital Insurance Group

$642

$54

Farmers

$653

$54

Nationwide

$655

$55

Capital Insurance Group

$666

$56

Allstate

$685

$57

Hartford

$688

$57

Allstate

$693

$58

State Farm

$712

$59

National General

$725

$60

State National

$729

$61

Farmers

$741

$62

Allstate

$745

$62

Capital Insurance Group

$745

$62

National General

$747

$62

Kemper

$784

$65

Chubb

$786

$65

Chubb

$809

$67

Nationwide

$821

$68

National General

$897

$75

Hartford

$900

$75

Progressive

$1,067

$89

Progressive

$1,074

$89

State Farm

$1,102

$92

AAA California

$1,118

$93

Chubb

$1,128

$94

AAA California

$1,133

$94

Mercury

$1,143

$95

Mercury

$1,165

$97

GEICO

$1,170

$97

National General

$1,188

$99

National General

$1,206

$101

GEICO

$1,209

$101

Allstate

$1,247

$104

Progressive

$1,289

$107

Hartford

$1,307

$109

Allstate

$1,317

$110

Capital Insurance Group

$1,333

$111

State National

$1,335

$111

Kemper

$1,379

$115

GEICO

$1,398

$116

Capital Insurance Group

$1,412

$118

State Farm

$1,415

$118

Nationwide

$1,423

$119

State National

$1,436

$120

National General

$1,444

$120

Allstate

$1,457

$121

AAA California

$1,489

$124

Hartford

$1,505

$125

Travelers

$1,509

$126

Mercury

$1,514

$126

Nationwide

$1,542

$128

Travelers

$1,580

$132

Capital Insurance Group

$1,590

$133

Farmers

$1,619

$135

State Farm

$1,651

$138

Farmers

$1,657

$138

Kemper

$1,692

$141

State National

$1,761

$147

Chubb

$1,842

$154

Travelers

$1,883

$157

Chubb

$1,899

$158

Hartford

$1,960

$163

Farmers

$1,960

$163

Nationwide

$2,004

$167

Kemper

$2,062

$172

Chubb

$2,711

$226

Minimum coverage in California only includes bodily injury liability and property damage liability coverage with the following limits:

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

Suppose you have $30,000 worth of bodily injury coverage per accident, if the medical bills for injured passengers exceed that amount, you are responsible for the additional cost.

Cheapest Full Coverage Car Insurance in Ontario

The most affordable insurance companies for full coverage car insurance in Ontario are:

  • Progressive: $1,074 per year
  • AAA California: $1,133 per year

Chubb has the highest rates for a policy in Ontario, charging an average of $1,842 annually as of October 2022.

Company
Annual Premium
Monthly Premium

Progressive

$445

$37

Progressive

$450

$38

GEICO

$456

$38

GEICO

$462

$39

Mercury

$470

$39

State Farm

$472

$39

AAA California

$482

$40

Mercury

$482

$40

AAA California

$502

$42

Kemper

$513

$43

Progressive

$527

$44

GEICO

$545

$45

Travelers

$555

$46

Travelers

$555

$46

Kemper

$591

$49

Mercury

$593

$49

Hartford

$599

$50

State National

$603

$50

AAA California

$615

$51

State National

$620

$52

State Farm

$623

$52

Travelers

$631

$53

Nationwide

$631

$53

Farmers

$635

$53

Capital Insurance Group

$642

$54

Farmers

$653

$54

Nationwide

$655

$55

Capital Insurance Group

$666

$56

Allstate

$685

$57

Hartford

$688

$57

Allstate

$693

$58

State Farm

$712

$59

National General

$725

$60

State National

$729

$61

Farmers

$741

$62

Allstate

$745

$62

Capital Insurance Group

$745

$62

National General

$747

$62

Kemper

$784

$65

Chubb

$786

$65

Chubb

$809

$67

Nationwide

$821

$68

National General

$897

$75

Hartford

$900

$75

Progressive

$1,067

$89

Progressive

$1,074

$89

State Farm

$1,102

$92

AAA California

$1,118

$93

Chubb

$1,128

$94

AAA California

$1,133

$94

Mercury

$1,143

$95

Mercury

$1,165

$97

GEICO

$1,170

$97

National General

$1,188

$99

National General

$1,206

$101

GEICO

$1,209

$101

Allstate

$1,247

$104

Progressive

$1,289

$107

Hartford

$1,307

$109

Allstate

$1,317

$110

Capital Insurance Group

$1,333

$111

State National

$1,335

$111

Kemper

$1,379

$115

GEICO

$1,398

$116

Capital Insurance Group

$1,412

$118

State Farm

$1,415

$118

Nationwide

$1,423

$119

State National

$1,436

$120

National General

$1,444

$120

Allstate

$1,457

$121

AAA California

$1,489

$124

Hartford

$1,505

$125

Travelers

$1,509

$126

Mercury

$1,514

$126

Nationwide

$1,542

$128

Travelers

$1,580

$132

Capital Insurance Group

$1,590

$133

Farmers

$1,619

$135

State Farm

$1,651

$138

Farmers

$1,657

$138

Kemper

$1,692

$141

State National

$1,761

$147

Chubb

$1,842

$154

Travelers

$1,883

$157

Chubb

$1,899

$158

Hartford

$1,960

$163

Farmers

$1,960

$163

Nationwide

$2,004

$167

Kemper

$2,062

$172

Chubb

$2,711

$226

Generally, full coverage policies include comprehensive and collision insurance.

  • Comprehensive Insurance: Helps you repair or replace your vehicle in case of damage due to theft, vandalism or weather events.
  • Collision Insurance: Pays to replace or repair your car if it’s damaged in an at-fault accident.

A full coverage policy for an older vehicle might not be worth the cost, as premiums might exceed the vehicle’s value.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find a match

    Get matched with an insurer in Ontario.

  • financialPlanning icon

    Save

    Save hundreds of dollars per year.

Cheapest Car Insurance in Ontario After a Driving Offense

The following car insurance companies offer the best rates for Ontario drivers with violations:

  • Speeding ticket: National General ($1,248 per year)
  • At-fault accident: Capital Insurance Group ($1,661 per year)
  • DUI: National General ($1,248 per year)

Nationwide is the most expensive insurer for drivers with a speeding ticket at $2,672 per year, Kemper for those with an at-fault accident at $3,024 per year and Hartford for those with a DUI on their record at $5,495 per year.

Driving violations can result in significantly higher rates, which means the cheapest insurance for bad drivers will still cost more than the most affordable policy for safe drivers.

Company
Annual Premium
Monthly Premium

Mercury

$605

$50

Mercury

$622

$52

AAA California

$642

$53

AAA California

$670

$56

Kemper

$680

$57

GEICO

$697

$58

GEICO

$705

$59

Capital Insurance Group

$711

$59

State Farm

$716

$60

Capital Insurance Group

$738

$62

Capital Insurance Group

$744

$62

State Farm

$749

$62

Mercury

$756

$63

National General

$765

$64

National General

$765

$64

AAA California

$766

$64

Mercury

$766

$64

Capital Insurance Group

$772

$64

Mercury

$777

$65

Kemper

$784

$65

National General

$790

$66

National General

$790

$66

Progressive

$793

$66

AAA California

$801

$67

Progressive

$804

$67

GEICO

$815

$68

AAA California

$822

$69

GEICO

$825

$69

Capital Insurance Group

$827

$69

GEICO

$832

$69

Mercury

$843

$70

State National

$852

$71

State National

$852

$71

Travelers

$855

$71

Travelers

$857

$71

Hartford

$864

$72

Hartford

$864

$72

Mercury

$865

$72

Capital Insurance Group

$867

$72

Farmers

$867

$72

Farmers

$867

$72

Progressive

$873

$73

State National

$879

$73

State National

$879

$73

Progressive

$886

$74

Farmers

$890

$74

Farmers

$890

$74

State Farm

$947

$79

National General

$948

$79

National General

$948

$79

Progressive

$949

$79

Progressive

$950

$79

Travelers

$956

$80

Mercury

$958

$80

Travelers

$959

$80

Allstate

$960

$80

Progressive

$967

$81

Allstate

$973

$81

GEICO

$974

$81

Nationwide

$977

$81

AAA California

$984

$82

Travelers

$984

$82

State Farm

$989

$82

Hartford

$1,006

$84

Hartford

$1,006

$84

Farmers

$1,011

$84

Farmers

$1,011

$84

Chubb

$1,012

$84

Nationwide

$1,015

$85

Chubb

$1,036

$86

State National

$1,037

$86

State National

$1,037

$86

Kemper

$1,043

$87

Progressive

$1,048

$87

Allstate

$1,049

$87

Mercury

$1,068

$89

State Farm

$1,081

$90

Farmers

$1,084

$90

Nationwide

$1,088

$91

National General

$1,092

$91

Travelers

$1,098

$91

Allstate

$1,107

$92

Farmers

$1,112

$93

Capital Insurance Group

$1,115

$93

GEICO

$1,119

$93

Allstate

$1,123

$94

National General

$1,126

$94

State Farm

$1,130

$94

GEICO

$1,131

$94

Nationwide

$1,131

$94

Progressive

$1,144

$95

Travelers

$1,150

$96

Travelers

$1,150

$96

Kemper

$1,154

$96

Kemper

$1,154

$96

Capital Insurance Group

$1,157

$96

Allstate

$1,214

$101

Chubb

$1,230

$102

National General

$1,248

$104

National General

$1,248

$104

Chubb

$1,254

$105

Farmers

$1,263

$105

National General

$1,268

$106

National General

$1,268

$106

Nationwide

$1,277

$106

Capital Insurance Group

$1,301

$108

Travelers

$1,328

$111

GEICO

$1,337

$111

Hartford

$1,344

$112

Hartford

$1,344

$112

Chubb

$1,353

$113

National General

$1,354

$113

Kemper

$1,401

$117

Kemper

$1,401

$117

Nationwide

$1,426

$119

AAA California

$1,444

$120

AAA California

$1,463

$122

State Farm

$1,476

$123

Mercury

$1,505

$125

National General

$1,518

$127

National General

$1,518

$127

Capital Insurance Group

$1,525

$127

Mercury

$1,538

$128

State National

$1,542

$128

Capital Insurance Group

$1,563

$130

Chubb

$1,571

$131

State National

$1,589

$132

Chubb

$1,593

$133

Chubb

$1,617

$135

Capital Insurance Group

$1,620

$135

State Farm

$1,636

$136

AAA California

$1,658

$138

Capital Insurance Group

$1,661

$138

AAA California

$1,704

$142

AAA California

$1,712

$143

State Farm

$1,714

$143

Nationwide

$1,732

$144

AAA California

$1,734

$144

GEICO

$1,756

$146

National General

$1,766

$147

Kemper

$1,774

$148

Kemper

$1,774

$148

National General

$1,794

$150

Nationwide

$1,800

$150

GEICO

$1,814

$151

Allstate

$1,817

$151

Capital Insurance Group

$1,828

$152

Kemper

$1,829

$152

Capital Insurance Group

$1,872

$156

Mercury

$1,881

$157

State National

$1,887

$157

State National

$1,898

$158

State National

$1,898

$158

Allstate

$1,923

$160

Mercury

$1,923

$160

AAA California

$1,927

$161

Chubb

$1,934

$161

Hartford

$1,947

$162

Hartford

$1,947

$162

State Farm

$1,951

$163

GEICO

$1,965

$164

Allstate

$1,996

$166

Mercury

$2,004

$167

Progressive

$2,012

$168

Mercury

$2,019

$168

Progressive

$2,021

$168

GEICO

$2,026

$169

Allstate

$2,028

$169

State National

$2,040

$170

State National

$2,040

$170

Mercury

$2,055

$171

Hartford

$2,077

$173

GEICO

$2,098

$175

State Farm

$2,103

$175

Allstate

$2,136

$178

AAA California

$2,139

$178

National General

$2,151

$179

Progressive

$2,187

$182

Progressive

$2,193

$183

Allstate

$2,198

$183

State Farm

$2,201

$183

Nationwide

$2,208

$184

State Farm

$2,227

$186

Farmers

$2,237

$186

Farmers

$2,237

$186

Kemper

$2,247

$187

Hartford

$2,255

$188

Hartford

$2,255

$188

Allstate

$2,257

$188

AAA California

$2,260

$188

Nationwide

$2,276

$190

Farmers

$2,292

$191

Farmers

$2,292

$191

Travelers

$2,302

$192

GEICO

$2,346

$196

Capital Insurance Group

$2,384

$199

Nationwide

$2,395

$200

Allstate

$2,399

$200

Travelers

$2,404

$200

Chubb

$2,415

$201

Progressive

$2,438

$203

State Farm

$2,453

$204

Hartford

$2,458

$205

Nationwide

$2,461

$205

Chubb

$2,474

$206

Progressive

$2,497

$208

Progressive

$2,502

$209

Mercury

$2,504

$209

State National

$2,508

$209

State National

$2,508

$209

Capital Insurance Group

$2,532

$211

State Farm

$2,568

$214

Travelers

$2,568

$214

Progressive

$2,650

$221

Nationwide

$2,672

$223

Allstate

$2,674

$223

Travelers

$2,675

$223

Mercury

$2,676

$223

Farmers

$2,711

$226

Farmers

$2,711

$226

Kemper

$2,743

$229

Farmers

$2,796

$233

GEICO

$2,809

$234

Capital Insurance Group

$2,858

$238

Farmers

$2,864

$239

Travelers

$2,885

$240

GEICO

$2,900

$242

Hartford

$2,965

$247

Hartford

$2,965

$247

Chubb

$2,966

$247

Kemper

$3,024

$252

Kemper

$3,024

$252

Chubb

$3,027

$252

Progressive

$3,028

$252

Nationwide

$3,122

$260

Travelers

$3,209

$267

Travelers

$3,219

$268

Chubb

$3,283

$274

GEICO

$3,359

$280

Travelers

$3,360

$280

Hartford

$3,376

$281

State Farm

$3,384

$282

Farmers

$3,388

$282

AAA California

$3,469

$289

Nationwide

$3,488

$291

AAA California

$3,498

$291

State National

$3,536

$295

State National

$3,809

$317

Kemper

$3,822

$318

Kemper

$3,822

$318

Chubb

$3,836

$320

Chubb

$3,888

$324

Nationwide

$3,923

$327

Chubb

$3,948

$329

Allstate

$3,979

$332

Travelers

$4,064

$339

Allstate

$4,227

$352

Nationwide

$4,262

$355

State Farm

$4,351

$363

Kemper

$4,543

$379

Kemper

$4,543

$379

AAA California

$4,617

$385

State National

$4,697

$391

Hartford

$4,699

$392

Allstate

$4,712

$393

Chubb

$4,760

$397

State Farm

$5,073

$423

Hartford

$5,495

$458

Nationwide

$5,581

$465

Hartford

$7,349

$612

Car insurance rates typically increase based on the severity of your violations. For instance, rates for a driver after a speeding ticket in Ontario will increase by around $605. A DUI, on the other hand, will result in an average rate increase of $2,087. However, you can still find cheap car insurance for bad drivers by shopping around.

Cheapest Car Insurance in Ontario for Teens and Their Families

MoneyGeek found that the following insurance providers offer the cheapest rates for teens on a family policy in Ontario:

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

Nationwide is the most expensive company for male and female teens on a family policy, costing an average of $5,692 annually.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,553

$2,500

GEICO

$1,590

$2,559

GEICO

$1,593

$2,819

GEICO

$1,610

$2,689

Progressive

$1,627

$2,582

Progressive

$1,627

$2,582

GEICO

$1,629

$2,622

GEICO

$1,637

$2,897

GEICO

$1,660

$3,062

GEICO

$1,682

$2,976

Progressive

$1,761

$2,795

Progressive

$1,761

$2,795

Capital Insurance Group

$1,770

$2,270

Capital Insurance Group

$1,770

$2,270

Kemper

$1,803

$3,618

Kemper

$1,803

$3,618

GEICO

$1,844

$2,761

Progressive

$1,884

$3,453

Progressive

$1,884

$3,453

Kemper

$1,904

$3,820

Kemper

$1,904

$3,820

GEICO

$1,905

$3,153

Allstate

$1,957

$3,187

Allstate

$1,957

$3,187

Progressive

$1,973

$3,131

Progressive

$1,973

$3,131

Nationwide

$1,978

$4,110

Nationwide

$1,978

$4,110

Kemper

$2,004

$4,492

Kemper

$2,004

$4,492

Capital Insurance Group

$2,015

$2,688

Capital Insurance Group

$2,015

$2,688

Allstate

$2,049

$3,336

Allstate

$2,049

$3,336

Kemper

$2,071

$4,155

Kemper

$2,071

$4,155

Farmers

$2,076

$2,968

Farmers

$2,076

$2,968

Capital Insurance Group

$2,096

$2,688

Capital Insurance Group

$2,096

$2,688

Capital Insurance Group

$2,096

$2,688

Capital Insurance Group

$2,096

$2,688

Allstate

$2,101

$3,706

Allstate

$2,101

$3,706

Allstate

$2,122

$3,456

Allstate

$2,122

$3,456

Nationwide

$2,169

$4,507

Nationwide

$2,169

$4,507

Nationwide

$2,239

$5,154

Nationwide

$2,239

$5,154

State Farm

$2,247

$3,296

State Farm

$2,247

$3,296

Allstate

$2,252

$3,723

Allstate

$2,252

$3,723

Travelers

$2,284

$3,127

Travelers

$2,284

$3,127

Kemper

$2,321

$4,762

Kemper

$2,321

$4,762

Farmers

$2,325

$3,443

Farmers

$2,325

$3,443

Nationwide

$2,325

$4,831

Nationwide

$2,325

$4,831

Progressive

$2,336

$3,788

Progressive

$2,336

$3,788

State Farm

$2,337

$3,429

State Farm

$2,337

$3,429

Capital Insurance Group

$2,340

$3,024

Capital Insurance Group

$2,340

$3,024

Travelers

$2,365

$3,237

Travelers

$2,365

$3,237

GEICO

$2,373

$4,014

State Farm

$2,377

$3,720

State Farm

$2,377

$3,720

State Farm

$2,391

$3,508

State Farm

$2,391

$3,508

Farmers

$2,408

$3,443

Farmers

$2,408

$3,443

Farmers

$2,408

$3,443

Farmers

$2,408

$3,443

Travelers

$2,413

$3,474

Travelers

$2,413

$3,474

Capital Insurance Group

$2,426

$3,024

Capital Insurance Group

$2,426

$3,024

Travelers

$2,464

$3,373

Travelers

$2,464

$3,373

GEICO

$2,467

$4,629

Kemper

$2,514

$5,159

Kemper

$2,514

$5,159

Kemper

$2,536

$5,687

Kemper

$2,536

$5,687

State Farm

$2,547

$3,792

State Farm

$2,547

$3,792

Allstate

$2,583

$4,745

Allstate

$2,583

$4,745

GEICO

$2,596

$3,887

Capital Insurance Group

$2,598

$3,358

Capital Insurance Group

$2,598

$3,358

Farmers

$2,601

$3,947

Farmers

$2,601

$3,947

Nationwide

$2,620

$5,650

Nationwide

$2,620

$5,650

Allstate

$2,625

$4,340

Allstate

$2,625

$4,340

Travelers

$2,692

$3,646

Travelers

$2,692

$3,646

GEICO

$2,699

$4,468

State Farm

$2,704

$4,223

State Farm

$2,704

$4,223

State Farm

$2,729

$4,063

State Farm

$2,729

$4,063

Farmers

$2,811

$4,546

Farmers

$2,811

$4,546

Farmers

$2,837

$4,306

Farmers

$2,837

$4,306

Progressive

$2,913

$5,360

Progressive

$2,913

$5,360

Travelers

$2,921

$4,206

Travelers

$2,921

$4,206

Farmers

$2,959

$5,858

Farmers

$2,959

$5,858

Travelers

$2,966

$4,017

Travelers

$2,966

$4,017

State Farm

$3,005

$5,355

State Farm

$3,005

$5,355

Farmers

$3,032

$6,127

Farmers

$3,032

$6,127

Farmers

$3,042

$6,020

Farmers

$3,042

$6,020

Progressive

$3,096

$5,019

Progressive

$3,096

$5,019

State Farm

$3,186

$5,677

State Farm

$3,186

$5,677

Nationwide

$3,229

$7,811

Nationwide

$3,229

$7,811

State Farm

$3,254

$6,361

State Farm

$3,254

$6,361

GEICO

$3,279

$5,805

Capital Insurance Group

$3,334

$4,155

Capital Insurance Group

$3,334

$4,155

Capital Insurance Group

$3,334

$4,155

Capital Insurance Group

$3,334

$4,155

Capital Insurance Group

$3,334

$4,155

Capital Insurance Group

$3,334

$4,155

Progressive

$3,362

$6,815

Progressive

$3,362

$6,815

Progressive

$3,383

$6,875

Progressive

$3,383

$6,875

Progressive

$3,397

$6,885

Progressive

$3,397

$6,885

GEICO

$3,437

$6,747

Nationwide

$3,444

$7,427

Nationwide

$3,444

$7,427

Allstate

$3,446

$6,823

Allstate

$3,446

$6,823

GEICO

$3,515

$6,481

Allstate

$3,569

$7,188

Allstate

$3,569

$7,188

GEICO

$3,605

$6,383

Allstate

$3,630

$7,188

Allstate

$3,630

$7,188

GEICO

$3,706

$7,627

GEICO

$3,795

$7,450

Kemper

$3,826

$7,766

Kemper

$3,826

$7,766

Travelers

$3,904

$5,303

Travelers

$3,904

$5,303

Travelers

$4,078

$5,540

Travelers

$4,078

$5,540

Travelers

$4,087

$5,815

Travelers

$4,087

$5,815

Kemper

$4,191

$8,507

Kemper

$4,191

$8,507

Kemper

$4,229

$9,483

Kemper

$4,229

$9,483

Nationwide

$4,905

$10,560

Nationwide

$4,905

$10,560

Nationwide

$5,515

$11,874

Nationwide

$5,515

$11,874

Nationwide

$5,692

$14,331

Nationwide

$5,692

$14,331

The most cost-effective way to insure teen drivers is to add them to a family policy. MoneyGeek found that insurers charge an average of $4,498 annually for insuring a 16-year-old driver in Ontario who buys a personal policy. The same driver pays an average of $3,825 per year on a family policy, a cost savings of $673. You can find the cheapest car insurance for teens by shopping around.

Cheapest Car Insurance in Ontario for Military Drivers

The following companies offer the most affordable insurance for military members based on MoneyGeek’s analysis:

  • USAA: $907 per year
  • Progressive: $1,074 per year

USAA and Progressive are also the ideal options for minimum coverage, charging an average of $395 and $445 per year, respectively.

Company
Annual Premium
Monthly Premium

USAA

$395

$33

USAA

$395

$33

Progressive

$445

$37

Progressive

$450

$38

GEICO

$456

$38

GEICO

$462

$39

Mercury

$470

$39

State Farm

$472

$39

USAA

$478

$40

AAA California

$482

$40

Mercury

$482

$40

AAA California

$502

$42

Kemper

$513

$43

Progressive

$527

$44

GEICO

$545

$45

Travelers

$555

$46

Travelers

$555

$46

Kemper

$591

$49

Mercury

$593

$49

Hartford

$599

$50

State National

$603

$50

AAA California

$615

$51

State National

$620

$52

State Farm

$623

$52

Travelers

$631

$53

Nationwide

$631

$53

Farmers

$635

$53

Capital Insurance Group

$642

$54

Farmers

$653

$54

Nationwide

$655

$55

Capital Insurance Group

$666

$56

Allstate

$685

$57

Hartford

$688

$57

Allstate

$693

$58

State Farm

$712

$59

National General

$725

$60

State National

$729

$61

Farmers

$741

$62

Capital Insurance Group

$745

$62

Allstate

$745

$62

National General

$747

$62

Kemper

$784

$65

Chubb

$786

$65

Chubb

$809

$67

Nationwide

$821

$68

USAA

$886

$74

National General

$897

$75

Hartford

$900

$75

USAA

$907

$76

Progressive

$1,067

$89

Progressive

$1,074

$89

USAA

$1,084

$90

State Farm

$1,102

$92

AAA California

$1,118

$93

Chubb

$1,128

$94

AAA California

$1,133

$94

Mercury

$1,143

$95

Mercury

$1,165

$97

GEICO

$1,170

$97

National General

$1,188

$99

National General

$1,206

$101

GEICO

$1,209

$101

Allstate

$1,247

$104

Progressive

$1,289

$107

Hartford

$1,307

$109

Allstate

$1,317

$110

Capital Insurance Group

$1,333

$111

State National

$1,335

$111

Kemper

$1,379

$115

GEICO

$1,398

$116

Capital Insurance Group

$1,412

$118

State Farm

$1,415

$118

Nationwide

$1,423

$119

State National

$1,436

$120

National General

$1,444

$120

Allstate

$1,457

$121

AAA California

$1,489

$124

Hartford

$1,505

$125

Travelers

$1,509

$126

Mercury

$1,514

$126

Nationwide

$1,542

$128

Travelers

$1,580

$132

Capital Insurance Group

$1,590

$133

Farmers

$1,619

$135

State Farm

$1,651

$138

Farmers

$1,657

$138

Kemper

$1,692

$141

State National

$1,761

$147

Chubb

$1,842

$154

Travelers

$1,883

$157

Chubb

$1,899

$158

Hartford

$1,960

$163

Farmers

$1,960

$163

Nationwide

$2,004

$167

Kemper

$2,062

$172

Chubb

$2,711

$226

How to Compare Cheap Ontario Car Insurance Quotes Online

Getting an online car insurance quote usually entails entering a significant amount of personal data, which might take 15 minutes or longer. MoneyGeek’s car insurance calculator can quickly estimate your premiums when you simply enter your age, coverage level, driving record and vehicle type.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

California
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

Progressive

Best Car Insurance in Ontario: Summary

The ideal car insurance for you will depend on how much importance you place on factors like cost and service coverage. The following are the best companies in Ontario for several categories:

  • Best overall: Progressive (MoneyGeek score of 74 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Progressive (MoneyGeek score of 78 out of 100)

A company’s MoneyGeek score can vary based on how we weigh each category.

CSAA offers the best car insurance in California, although your location can significantly affect its rates. If you have a military background, USAA is the best option, with a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Ontario

MoneyGeek’s analysis shows that the following companies are the best options for car insurance in Ontario:

  • Progressive: MoneyGeek score of 74 out of 100 ($1,074 per year)
  • GEICO: MoneyGeek score of 70 out of 100 ($1,209 per year)

Besides having the highest affordability score, Progressive also scores well for available coverages. USAA offers the best policies for active-duty soldiers and veterans and has a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

Progressive

pros

Perfect score for affordability out of 15 insurance companies reviewed

Ranked well for available coverages

Ranked above average for customer satisfaction

Provides custom parts coverage, accident forgiveness and gap insurance

cons

Average claims management score

COMPANY HIGHLIGHTS

Progressive offers various rare coverages and has the cheapest insurance policies in Ontario. It offers above-average customer service and gets average marks for claims processing.

You can add various coverages to your policy with this company, such as custom parts coverage, accident forgiveness and gap insurance. The custom parts coverage is valuable for drivers who install aftermarket equipment in their car like a stereo, navigation system or custom wheels. It will help you repair or replace this equipment for up to $5,000.

Progressive offers small and large accident forgiveness coverage, depending on how long you’ve been the company’s customer. This coverage protects you from an increase in premium after an accident. In addition, the gap insurance coverage pays for the difference between your vehicle’s loan amount and your car’s actual value if you total it.

Read MoneyGeek's Progressive Auto Insurance Review

Best Car Insurance in Ontario for Customer Service

Not considering cost, the following companies offer the best customer service in Ontario:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,842 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,412 per year)

Chubb ranked the highest for claims management and second highest for customer satisfaction. The insurance company has the most expensive policies in Ontario, so customers pay more for excellent customer service.

How was this MoneyGeek score calculated?

Chubb

pros

Ranked #1 for claims management out of 14 other insurance companies

Ranked #2 for customer satisfaction among other insurance providers

Provides rare coverages like original equipment manufacturer (OEM) coverage and diminished value coverage

cons

Average scores for available coverages

Doesn’t offer roadside assistance

COMPANY HIGHLIGHTS

Chubb offers its policyholders various rare coverages and scores well for customer satisfaction and claims management.

Although the company doesn’t provide many coverage options, it lets you add rare coverages like OEM and diminished value coverage to your policy. If you get into an accident, OEM coverage pays to replace your vehicle's damaged parts with original factory ones.

With the diminished value coverage, the company will pay your car’s actual value in case of a covered loss. You must agree on your vehicle’s worth when purchasing your policy. Chubb also offers common coverages, including rental car reimbursement, which helps you cover the cost of a rental car if your vehicle is getting repaired.

Best Cheap Car Insurance in Ontario

Our analysis of cost and service quality shows the following insurers offer the best minimum coverage insurance:

  • Progressive: MoneyGeek score of 78 out of 100 ($445 per year)
  • GEICO: MoneyGeek score of 76 out of 100 ($462 per year)

Although minimum coverage is the most affordable, it doesn’t provide sufficient liability coverage or protection against vehicle damage.

How was this MoneyGeek score calculated?

Progressive

pros

An affordable minimum coverage policy costs an average of $445 per year

Offers automatic payment, online sign-up and multiple car discount

Scored well for affordability and available coverages

cons

Average claims management ranking

COMPANY HIGHLIGHTS

Progressive stands out among its competitors with the most affordable policies and offers many common and rare coverages. The company also gives the policyholders many opportunities to save on premiums, including discounts for setting up automatic payments, bundling various policies, being a safe driver and paperless billing.

Besides these standard discounts, you can also save on your policy by signing your policy documents online and insuring more than one vehicle on your policy. Progressive will offer discounts on originating your quotes online, which only some insurers offer. Your premium may also decrease if you have been continuously insured with the company for a specific period.

Read MoneyGeek's Progressive Auto Insurance Review

Average Cost of Car Insurance in Ontario

The average cost of car insurance in Ontario is $1,374 per year as of October 2022. The city’s average price is $13 less than California’s average car insurance cost of $1,387 and $109 more than the national average. These cost variations illustrate how location can affect rates.

The costs cited are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.