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

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.
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?

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?

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.
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
