bestauto insuranceOntarioCompare the Cheapest Car Insurance Quotes in Ontario, CA
Compare Rates
Ensure you're getting the best rate. Review quotes from a top insurance company.
In Ontario, Esurance offers the cheapest car insurance for full coverage and for drivers with a speeding ticket. Progressive has the cheapest widely available state minimum coverage, although if you’re in the military, USAA might be another affordable option. MoneyGeek’s pick for the best overall car insurance company is AAA, with its balance of excellent customer service and affordability.
bestauto insuranceOntarioThe Cheapest and Best Car Insurance in Ontario
Cheapest Overall - Esurance
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
The Cheapest Car Insurance Companies in Ontario
The cheapest car insurance companies in Ontario that offer widely available, full coverage policies are:
- Esurance: $1,053 per year
- Progressive: $1,154 per year
Current or former military members and their families can purchase coverage from USAA, which offers the second cheapest average rate in the city at $1,102 annually.
Esurance is the cheapest option for Ontario drivers looking for full coverage. An Esurance policy is 72% less than a policy from Allied — the most expensive insurer in Ontario. Full coverage policies are those that include both comprehensive and collision insurance. Remember that your premium can vary for full coverage, depending on the liability limits you select.
Cheapest Car Insurance in Ontario
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,053
- 2.$1,102
- 3.$1,154
- 4.$1,212
- 5.$1,339
MoneyGeek obtained average rates for a 40-year-old male driver with full coverage car insurance, as per our methodology.
Full coverage car insurance is more expensive than a policy that only meets the state minimum requirements, but it does include comprehensive and collision insurance. That full coverage gives you additional protection against the cost of repairing damage to your vehicle.
- Comprehensive Coverage: This pays for repairs to your car when damaged in a non-collision-related incident, such as fire, vandalism or an adverse weather event.
- Collision Coverage: This pays to repair your car after a collision.
Having liability-only or state minimum car insurance may be a better option for drivers with older vehicles. This is because the premiums for full coverage insurance can add up to more than your car’s replacement value.
Compare Car Insurance Rates in Ontario
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Ontario for Minimum Coverage
Ontario drivers looking for the cheapest available insurance may opt for a policy that only meets the state minimum requirements. The most affordable options for this coverage are:
- Progressive: $473 per year
- AAA: $539 per year
USAA has the cheapest average annual rate at $446, but it’s only available to drivers who are military members. A policy from Progressive costs $356 less per year than the most expensive option, Farmers.
While it’s the most affordable option, minimum coverage doesn’t include comprehensive and collision insurance. It can also have low levels of liability coverage. All of this means that you risk not being fully covered in an accident.
Check out the table below to see how rates change based on liability limits.
Cheapest Minimum Liability Car Insurance in Ontario
State Minimum
- CompanyState Minimumper year
- 1.$446
- 2.$473
- 3.$539
- 4.$559
- 5.$570
By law, California drivers must have insurance that meets California’s minimum requirements of 15/30/5 liability coverage. As the cheapest insurance, it can certainly save you money on premiums. The drawback, though, is that you could end up owing substantial amounts if you’re in an accident.
For instance, if you’re in an at-fault accident and the other driver’s medical bills are $25,000, your insurer will pay $15,000 of that amount. You’d be responsible for paying the balance of $10,000.
California Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Ontario if You Have Driving Violations
Any driving violation on your record, from speeding tickets and DUIs to at-fault accidents, can lead to higher auto insurance rates.
The most affordable car insurance policies for Ontario drivers with violations are:
- Cheapest after a ticket: Esurance, $1,336 per year
- Cheapest after an at-fault accident: Esurance, $1,657 per year
- Cheapest after a DUI: Mercury, $2,197 per year
USAA has the cheapest average annual rate at $1,204 for drivers with a speeding ticket, but only military members are eligible for its policies.
Drivers with poor records may see lower premiums after improving their driving records over time. In the meantime, shopping around is the best way to find affordable insurance after a ticket or an accident.
Cheapest Car Insurance in Ontario With a Violation
Speeding Ticket
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.
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.
Compare Car Insurance Rates in Ontario
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Ontario
MoneyGeek analyzed the average rates, claims ratings and user satisfaction scores of several car insurance companies and found that the following insurers offer the best car insurance in Ontario:
- Esurance: MoneyGeek score of 89 out of 100
- AAA: MoneyGeek score of 87 out of 100
Since USAA doesn’t offer policies to non-military drivers, MoneyGeek did not include the company in this analysis. However, it received a score of 94 out of 100, making it the best car insurance company in Ontario.
1
Esurance
Score:89
Esurance’s full coverage policy costs an average of $1,053 per year. The company ranked second for customer satisfaction, fifth for claims and scored the highest for affordability. It offers custom parts coverage.
More About Esurance
Esurance offers many unique coverages with its policies, including roadside assistance, rental car and/or travel reimbursement, gap insurance, rideshare insurance and custom parts coverage, a unique coverage rarely offered by most insurers.
With custom parts coverage, you’ll be covered up to $4,000 for damages to after-market equipment installed in your car, like fancy sound systems, a custom grill or an exhaust system. Your standard comprehensive and collision insurance doesn’t cover these after-market upgrades.
Read MoneyGeek's Esurance auto Insurance Review2
AAA
Score:87
AAA ranked the highest for customer satisfaction and claims with second-highest scores for affordability. On average, a full coverage policy costs $1,212 per year. Policies included identity theft coverage, a coverage option rarely offered by other providers.
More About AAA
AAA’s full coverage policies come with coverages like roadside assistance, rental car and/or travel reimbursement and identity theft coverage. The identity theft coverage ensures protection in case of identity theft, as it provides real-time fraud alerts, social security number monitoring, fraud resolution support and more.
With roadside assistance coverage, AAA will provide fuel delivery, flat tire, battery jump-start and replacement, and vehicle lockout service if you’re stranded on the road. Esurance’s rental car and/or travel reimbursement coverage pays for car rental or public transportation expenses if your vehicle is not driveable.
Read MoneyGeek's AAA auto Insurance Review3
Progressive
Score:75
4
GEICO
Score:73
5
Mercury
Score:69
6
MetLife
Score:66
7
State Farm
Score:60
8
Allstate
Score:53
9
Travelers
Score:53
10
Farmers
Score:43
11
Hartford
Score:33
12
Allied
Score:14
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
- 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.
About Mark Fitzpatrick
