Cheapest and Best Car Insurance Companies in Pomona, CA


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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Your driving record and coverage requirements will determine which auto insurance provider is ideal for you. We found that GEICO offers the cheapest rates for minimum coverage policies. It is also the best cheap auto insurance company in Pomona.

National General is the most affordable company for full coverage policies and those with driving offenses. Farmers offers the cheapest rates to teen drivers, while USAA is the least expensive company for military drivers. If you prioritize customer service, Chubb is your best option.

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2024

Cheapest and Best Car Insurance in Pomona, CA

Why Trust MoneyGeek? We analyzed Pomona auto insurance rates using information and data gathered from the California Department of Insurance and Quadrant Information Services.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Pomona

Based on our analysis, the following are the cheapest auto insurance companies in Pomona:

  • GEICO: $451 per year
  • Progressive: $480 per year

Chubb's premiums are the most expensive at approximately $860 per year as of October 2022.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$451Monthly Premium$38
ProgressiveAnnual Premium$480Monthly Premium$40
AAA CaliforniaAnnual Premium$504Monthly Premium$42
MercuryAnnual Premium$509Monthly Premium$42
KemperAnnual Premium$554Monthly Premium$46
TravelersAnnual Premium$570Monthly Premium$48
NationwideAnnual Premium$644Monthly Premium$54
State FarmAnnual Premium$663Monthly Premium$55

California requires all drivers to carry bodily injury and property damage coverage. The minimum coverage limits are:

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

In an at-fault accident, a driver's insurance policy pays damages to the other driver and passengers. Each individual is covered for up to $15,000 in medical expenses, with a maximum of $30,000 per accident. The driver at fault must pay the difference if costs exceed this amount.

Cheapest Full Coverage Car Insurance in Pomona

The following companies offer the most affordable full coverage auto insurance in Pomona:

  • National General: $1,100 per year
  • Progressive: $1,116 per year

Chubb has the most expensive rates in the city, with an average policy costing around $2,083 per year as of October 2022.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$1,100Monthly Premium$92
ProgressiveAnnual Premium$1,116Monthly Premium$93
AAA CaliforniaAnnual Premium$1,166Monthly Premium$97
GEICOAnnual Premium$1,204Monthly Premium$100
MercuryAnnual Premium$1,273Monthly Premium$106
AllstateAnnual Premium$1,326Monthly Premium$111
Capital Insurance GroupAnnual Premium$1,431Monthly Premium$119
KemperAnnual Premium$1,449Monthly Premium$121

Full coverage provides the greatest protection for your car because it includes collision and comprehensive coverage.

  • Comprehensive Insurance: Helps pay for damages incurred from theft, animals, fire or extreme weather events.
  • Collision Insurance: Covers damages caused by collisions with other cars or objects.

If your vehicle is relatively new, we recommend you purchase full coverage to protect your investment. However, drivers with older cars may not find the additional expense of full coverage worth the cost.

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Cheapest Car Insurance in Pomona After a Driving Offense

Driving violations can result in significant premium increases. National General is Pomona’s cheapest auto insurance provider for drivers with offenses.

  • Speeding ticket: National General ($1,155 per year)
  • At-fault accident: National General ($1,633 per year)
  • DUI: National General ($1,155 per year)

Chubb offers the most expensive rates for drivers with speeding tickets and at-fault accidents, at $2,741 and $3,370 per year, respectively. At $5,813 per year, Hartford is the most expensive option for those with a DUI. Drivers with poor driving records typically pay higher rates than safe drivers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,155Monthly Premium$96
AAA CaliforniaAnnual Premium$1,506Monthly Premium$126
Capital Insurance GroupAnnual Premium$1,642Monthly Premium$137
MercuryAnnual Premium$1,680Monthly Premium$140
GEICOAnnual Premium$1,807Monthly Premium$151
KemperAnnual Premium$1,924Monthly Premium$160
AllstateAnnual Premium$1,937Monthly Premium$161
ProgressiveAnnual Premium$2,099Monthly Premium$175

Auto insurance premiums typically increase following a serious traffic offense. The annual average cost of auto insurance for a Pomona driver is approximately $1,432. Rates can increase by $594 following a speeding ticket and $2,051 following a DUI. However, obtaining cheap auto insurance with a bad driving record is still possible.

Cheapest Car Insurance in Pomona for Teens and Their Families

The following are the cheapest car insurance providers in Pomona for a 16-year-old driver on a family policy:

  • Farmers: $3,373 per year for female and male teens
  • State Farm: $3,447 per year for female and male teens

Nationwide offers the city's most expensive rates for female and male teenagers, costing $5,618 per year.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
FarmersFamily Plan Annual Premium$3,373Individual Plan Monthly Premium$6,815
State FarmFamily Plan Annual Premium$3,447Individual Plan Monthly Premium$6,742
Capital Insurance GroupFamily Plan Annual Premium$3,465Individual Plan Monthly Premium$4,318
GEICOFamily Plan Annual Premium$3,503Individual Plan Monthly Premium$6,459
ProgressiveFamily Plan Annual Premium$3,516Individual Plan Monthly Premium$7,139
AllstateFamily Plan Annual Premium$3,592Individual Plan Monthly Premium$7,234
TravelersFamily Plan Annual Premium$4,105Individual Plan Monthly Premium$5,838
KemperFamily Plan Annual Premium$4,464Individual Plan Monthly Premium$10,010

Instead of purchasing a new policy, consider adding a teenage driver to your existing one if you want to save money. In Pomona, the average cost of including a 16-year-old male on a family policy is $3,825 per year, while purchasing a separate policy costs $673 more. Always shop around to find cheap teen car insurance options.

Cheapest Car Insurance in Pomona for Military Drivers

On average, the following companies offer the cheapest auto insurance to military members, veterans and their families:

  • USAA: $986 per year
  • National General: $1,100 per year

While these rates are for full coverage policies, USAA ($435) and GEICO ($451) provide the most affordable rates in Pomona for minimum coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$986Monthly Premium$82
National GeneralAnnual Premium$1,100Monthly Premium$92
ProgressiveAnnual Premium$1,116Monthly Premium$93
AAA CaliforniaAnnual Premium$1,166Monthly Premium$97
GEICOAnnual Premium$1,204Monthly Premium$100
MercuryAnnual Premium$1,273Monthly Premium$106
AllstateAnnual Premium$1,326Monthly Premium$111
Capital Insurance GroupAnnual Premium$1,431Monthly Premium$119

How to Compare Cheap Pomona Car Insurance Quotes Online

Entering your personal information to get an online tool can take 15 minutes or longer per insurer. With MoneyGeek’s reliable car insurance calculator, simply enter your vehicle information, age, driving record and desired coverage level to get quick estimates.

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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 22, 2024

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Best Car Insurance in Pomona: Summary

Your requirements will determine which auto insurer is best for you. We chose the best auto insurance providers in Pomona based on affordability, customer service and coverage type:

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

A company's rating can vary depending on how we weigh the criteria for each category. CSAA ranks as the best auto insurance provider in California, so it is also worth a look. With a MoneyGeek score of 85 out of 100, USAA is an ideal option for military personnel.

Best Overall Car Insurance in Pomona

The following providers offer the best auto insurance in Pomona:

  • Progressive: MoneyGeek score of 74 out of 100 ($1,116 per year)
  • GEICO: MoneyGeek score of 66 out of 72 ($1,204 per year)

Progressive offers the second-cheapest rates among the 15 companies we evaluated and received good ratings for customer satisfaction. With a MoneyGeek score of 85 out of 100, USAA is also a great option for drivers with a military background.

How was this MoneyGeek score calculated?

Progressive

pros

checkmark

Second cheapest rates among 15 insurers

checkmark

Good scores for customer satisfaction

checkmark

Custom parts coverage available

cons

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Doesn’t provide new car replacement or better car replacement

close

Claims management can be improved

COMPANY HIGHLIGHTS

Progressive is the best auto insurance provider in Pomona due to its combination of affordable rates and high-quality service. While it offers some unique coverage options, new car replacement or better car replacement add-ons are not available.

In contrast to many of its competitors, Progressive offers custom parts coverage, making it a unique offering. This coverage can assist with repairing or replacing aftermarket accessories, such as a stereo, navigation system, custom wheels or even a paint job. Typically, custom parts coverage has a $5,000 limit.

Progressive also provides roadside assistance coverage. It pays for roadside repairs or towing services if your car breaks down due to mechanical or electrical problems, a dead battery, a flat tire, a lockout or if you run out of gas. You can also get gap insurance, a handy add-on if you financed your car. If you total your car, gap insurance pays the difference between the loan amount and the vehicle's value.

Read MoneyGeek's Progressive Auto Insurance Review

Best Car Insurance in Pomona for Customer Service

When calculating scores to determine the best insurer for customer service, we did not include affordability. The best companies are:

  • Chubb: MoneyGeek score of 76 out of 100 ($2,083 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,431 per year)

Chubb ranks second in customer service and first in claims management. But its premiums are relatively high compared to other firms we analyzed, so its customers pay more for superior service.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Highest rating in claims management

checkmark

Second-highest scores for customer service

checkmark

Offers original equipment manufacturer (OEM) coverage

cons

close

No roadside assistance and accident forgiveness add-ons

close

Coverage options are limited

COMPANY HIGHLIGHTS

Chubb is the best car insurance company in Pomona in terms of customer service, with outstanding customer satisfaction and claims handling scores. While Chubb's coverage options are limited, it does offer OEM coverage, which many comparable insurers do not.

Almost all drivers can benefit from the OEM add-on, which ensures that your vehicle is repaired with original parts and that its safety systems are maintained after a covered incident. This is a significant advantage for drivers who want to avoid aftermarket vehicle parts. Chubb also provides rental car reimbursement coverage, which covers renting a car if the insured vehicle becomes inoperable.

The company’s agreed value coverage can be beneficial if your vehicle is declared a total loss. Chubb and the policyholder agree on the vehicle's worth when the policy is written, and Chubb pays the policyholder the agreed-upon amount if the car is a total loss.

Best Cheap Car Insurance in Pomona

We chose the best minimum coverage policies in accordance with California's legal requirements. The best cheap auto insurance companies in Pomona are:

  • GEICO: MoneyGeek score of 78 out of 100 ($451 per year)
  • Progressive: MoneyGeek score of 75 out of 100 ($480 per year)

Minimum coverage may not provide sufficient protection in the event of an accident. These policies are typically cheaper but may not provide enough liability coverage and do not pay for damages to your vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

An affordable minimum coverage policy costs $451 per year

checkmark

Ranked fifth in customer satisfaction among 15 insurers

checkmark

Offers airbag, anti-lock brakes and anti-theft system discounts

cons

close

Low ratings for claims management

close

Doesn’t provide a discount if you pay in full

COMPANY HIGHLIGHTS

GEICO offers the most affordable rates for minimum coverage auto insurance at approximately $451 per year. GEICO also offers a variety of discounts that can further reduce your auto insurance premiums.

With standard discounts from GEICO, drivers can get a lower rate if they bundle home and auto insurance, have a clean driving record for at least five years and insure multiple vehicles. Installing safety equipment, such as airbags, anti-theft devices and anti-lock brakes, are other ways to save with GEICO.

You may also be eligible for a discount after completing a defensive driving course or driver's education program. GEICO also offers some unique discounts that few other insurers offer, including those for daytime running lights and seatbelt use.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Pomona

The average annual rate of auto insurance in Pomona is $1,432 as of October 2022. This is $45 more than the average annual cost of car insurance in California, which is $1,387. It is also $167 more expensive than the national average annual cost of auto insurance, which is $1,265.

These estimates are for a full coverage policy with $100,000 in bodily injury liability per person and $300,000 per accident. It also contains a property damage liability of $100,000 per accident. Note that location is only one of several factors that impact the cost of auto insurance.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.