Cheapest and Best Car Insurance in Ontario, CA (2023)

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 + BestCar InsuranceOntario

2023

Cheapest and Best Car Insurance in Ontario, CA

Cheapest Overall - Progressive

Cheapest Full Coverage - Progressive

Cheapest After Driving Offense - National General

Cheapest for Teens - Farmers

Cheapest for Military - USAA

Best Overall - Progressive

Best for Customer Service - Chubb

Best Cheap - Progressive

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

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

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on average

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

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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.

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?

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.

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 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.

Cheapest and Best Car Insurance Companies in Ontario, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Ontario

Cheapest Full Coverage Car Insurance in Ontario

Cheapest Car Insurance in Ontario After a Driving Offense

Cheapest Car Insurance in Ontario for Teens and Their Families

Cheapest Car Insurance in Ontario for Military Drivers

How to Compare Cheap Ontario Car Insurance Quotes Online

Best Car Insurance in Ontario: Summary

Best Overall Car Insurance in Ontario

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Ontario for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Ontario

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Ontario