Cheapest and Best Car Insurance in Pomona, CA (July 2024)

In Pomona, California, Progressive offers the most competitive rates for minimum coverage and full coverage car insurance. Families with teens might find Farmers to be the most economical choice. The top company for customer service is Chubb, while Capital Insurance Group secures the best overall rank, delivering exceptional value and balancing price and service quality. Selecting the best provider will depend on personalizing coverage to meet your unique needs.

MoneyGeek found that Progressive offers Pomona's most affordable minimum coverage car insurance. For those looking for the cheapest car insurance, these are the top choices:

• Progressive: $483 per year
• GEICO: $518 per year

Chubb has the most expensive minimum coverage policy in Pomona, with an annual premium of $860. This is a significant jump from Progressive's rate, showing that shoppers could save up to $377 a year by comparing car insurance rates. This difference highlights the value of taking the time to shop around for the best deal on car insurance.

For drivers in every city in California, state law prescribes the requisite minimums for car insurance coverage.

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

Suppose you're at fault in a crash that injures another driver. Your minimum coverage policy will cover up to $15,000 for that person's injuries and a total of $30,000 for injuries to all persons in one accident. If the injured party's medical bills surpass these amounts, any additional costs would be your financial responsibility.

MoneyGeek found that Progressive is the most affordable option in Pomona, with the cheapest full coverage car insurance. Drivers looking for cost-effective policies should take note of the top contenders:

• Progressive: $1,160 per year
• National General: $1,309 per year

Farmers offers the most expensive full coverage policy in Pomona at $2,363 per year, which is $1,203 more annually than Progressive. This variance underlines the importance of shopping around for full coverage car insurance. These policies include comprehensive and collision coverage, making them more costly than minimum coverage but providing better protection.

Full coverage policies have increased liability coverage. They also incorporate both comprehensive and collision insurance components.

• Collision Insurance: This facet ensures that the costs of repairing your own vehicle are covered if it's damaged due to a collision, whether the impact is with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This portion covers your vehicle against damages from non-collision-related incidents, such as theft, natural disasters, vandalism, fires or being struck by an animal like a deer.

With brand-new vehicles, acquiring full coverage insurance is a prudent measure to protect your sizeable investment. On the other hand, owners of older vehicles may find that the additional cost for extended protection may not justify the hundreds of dollars spent, considering the depreciated value of their cars. Making informed decisions about how much car insurance you need involves carefully balancing the price of more comprehensive premiums and the risk of being underinsured.

MoneyGeek found that when it comes to insuring drivers in Pomona with a poor driving record, certain companies offer the most competitive rates after specific incidents.

• Speeding Ticket: National General ($1,373 per year)
• At-Fault Accident: Capital Insurance Group ($1,716 per year)
• DUI: National General ($1,373 per year)

Travelers ranks as the most expensive option for drivers with an at-fault accident ($3,539 per year), State Farm after a DUI ($5,759 per year) and Farmers following a speeding ticket ($3,276 per year). The type of offense significantly impacts insurance premiums, but affordable options are still available.

Insurance premiums in cities like Pomona typically surge with the severity of a driving violation due to the heightened risk drivers pose to insurers. For example, individuals with a DUI in Pomona may see an average annual rate of $3,862, significantly higher than the $2,309 average for those with a speeding ticket. This difference underscores the need for drivers with infractions to diligently compare insurance rates, ensuring they secure the most financially advantageous coverage available.

MoneyGeek found that Farmers offers the most affordable full coverage car insurance for male and female teens in Pomona. Understanding the benefits of affordable cheapest car insurance for teens is crucial for families looking to manage expenses while ensuring their young drivers are well-protected. Here are the two most cost-effective options:

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

These rates reflect a combined policy covering two parents and a teen driver. In contrast, Nationwide has the most expensive teen family policy in Pomona, with an annual premium of around $5,618 for female and male teens — $2,245 more than Farmers. This stark contrast underscores the importance of shopping around to secure the best possible rates for car insurance, particularly for higher-risk teen drivers.

In Pomona and similar cities, teen drivers on individual policies face average annual premiums of $4,690, substantially higher than joining a family plan at $3,919. The stark rate difference reflects the elevated risk insurers associate with independent teen drivers, statistically more prone to accidents. Obtaining approval for an individual policy often proves challenging for teens, given their limited driving history and the higher perceived risk, making the family plan route more economical and accessible.

MoneyGeek found that Progressive offers Pomona's cheapest car insurance for military backgrounds.

• Progressive: $1,160 per year
• USAA: $1,303 per year

Although not the cheapest, USAA provides services tailored to the unique needs of active-duty military members. The company is known for its commitment to serving those who have served the country, offering cost-effective coverage and additional benefits suitable for military lifestyles.

Comparing car insurance rates in Pomona is the best strategy for saving on expenses. However, reviewing three or more providers can take over an hour.

MoneyGeek's car insurance calculator streamlines this process. Input details like age, driving history, credit score and coverage preferences to quickly generate tailored rate estimates.

Selecting the right auto insurance in Pomona depends on your priorities: service quality, cost or coverage. MoneyGeek's unique scoring system evaluates these factors to identify the top insurers for varying needs. Here are Pomona's best car insurance picks:

• Best overall: Capital Insurance Group (MoneyGeek score 84 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Capital Insurance Group (MoneyGeek score 80 out of 100)

Capital Insurance Group is both the best overall and best cheap, making it the leading insurer in Pomona for a mix of value and affordability. Meanwhile, Chubb leads for customer service and is ideal for those who prioritize a superior customer experience.

MoneyGeek found that Capital Insurance Group is the best option in Pomona, offering the best car insurance solutions for drivers looking for full coverage policies.

• Capital Insurance Group: MoneyGeek score of 84 out of 100 ($1,456 per year)
• Chubb: MoneyGeek score of 81 out of 100 ($2,083 per year)

Capital Insurance Group rises to the top primarily due to its exceptional satisfaction and affordability scores, distinguishing itself as a leading provider in the city. The MoneyGeek score reflects the insurer's commitment to delivering outstanding service and value, which are essential for a full coverage policy.

MoneyGeek found that Chubb is the best car insurance option in Pomona in terms of customer service. The evaluation is based on the company's general satisfaction, efficient claims handling and comprehensive coverages, without primarily focusing on the rates.

• Chubb: MoneyGeek score of 94 out of 100 ($2,083 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,456 per year)

Chubb is a leading provider in Pomona due to its exceptional customer service and highest claims satisfaction rating, which are significant factors contributing to its MoneyGeek score. Alongside top ratings in stability and coverage options, this company delivers quality and reliability in its car insurance offerings.

MoneyGeek found that Capital Insurance Group is the best option for affordable car insurance in Pomona. It strikes a balance between cost-effectiveness and quality service, and its MoneyGeek score highlights its commitment to providing value to policyholders.

• Capital Insurance Group: MoneyGeek score of 80 out of 100 ($598 per year)
• Mercury: MoneyGeek score of 79 out of 100 ($526 per year)

Capital Insurance Group has the highest MoneyGeek score, indicating superior customer satisfaction and claims handling. The score reflects the value received for a minimum coverage policy. The company's top position is a testament to its affordability and the quality service it consistently delivers to customers.

In Pomona, California, the average cost of car insurance is $1,630 per year. Compared to the state average of $1,562, Pomona's residents pay $68 more for car insurance. When considering the national average of $1,781, California's average is lower by $219, indicating that, on a broader scale, Californians enjoy a lower rate for their auto insurance needs.

Various factors influence car insurance premiums, with location impacting the overall cost significantly. Factors such as accident rates, vehicle thefts and urban population density can cause insurance rates to fluctuate between locales. California's diverse cities showcase this variance. For example, Glendale is the city with the most expensive premium at $2,433, while Santa Maria has the cheapest rate of $1,251 — a difference of $1,182 within the same state. This dynamic further suggests that drivers in less congested, more rural areas might encounter even lower rates due to decreased traffic density.