bestauto insurancePomona2022Compare the Cheapest Car Insurance Quotes in Pomona
Car insurance in Pomona costs an average of $1,432 per year, slightly higher than the state average. Progressive offers the cheapest policies in the city at an average of $1,055 per year. MoneyGeek evaluated Pomona's cheapest car insurance companies based on coverage level and driving record. We also looked at the top companies for individuals who prioritize service quality over rates.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Last Updated: 5/16/2022
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Mark Fitzpatrick
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Excluding USAA, Progressive is the most affordable insurer in Pomona for full coverage and state-minimum policies, but the best option for you may be different.
Esurance is the cheapest for those with a speeding ticket. For military families, USAA may be best.
MoneyGeek also rated the best car insurance in Pomona, balancing cost with customer service, and found that AAA ranked highest.
bestauto insurancePomona2022The Cheapest and Best Car Insurance in Pomona
Cheapest Overall - Progressive
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
The Cheapest Car Insurance Companies in Pomona
The cheapest car insurance companies in Pomona for a full coverage insurance policy are:
- Progressive: $969 per year
- Esurance: $1,033 per year
If you have a military background or are part of a military family, you could be eligible for USAA, which is the second cheapest car insurance company at $1,070 per year.
Progressive coverage is the most affordable and approximately 72% less expensive than similar coverage with Allied, the city’s most expensive car insurance company. A full-coverage policy is one that includes both comprehensive and collision insurance, though your prices may change depending on how much liability insurance you select.
Cheapest Car Insurance in Pomona
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,055
- 2.$1,081
- 3.$1,137
- 4.$1,239
- 5.$1,270
Using MoneyGeek's methodology, auto insurance rates were calculated using the profile of a 40-year-old male driver in Pomona seeking a full-coverage plan.
It is typically more expensive to purchase a full coverage policy than a state-minimum policy, as full coverage includes comprehensive and collision insurance. This extra coverage can help cover the cost of repairs of a vehicle or property damaged in a crash.
- Comprehensive Insurance: This coverage pays for the cost of replacing or repairing your vehicle in case of vandalism, theft, or damage caused by hail or animals.
- Collision Insurance: If you are at fault in a collision, this coverage pays for the repair or replacement of your vehicle.
Compare Car Insurance Rates in Pomona
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Pomona for Minimum Coverage
In Pomona, the cheapest car insurance companies for drivers who want state-minimum policies are:
- Progressive: $428 per year
- AAA: $556 per year
USAA's yearly premium is $460, making it the second-cheapest policy in the city for military members and their families.
If you have an older model car, you may pay more for insurance than the car is worth if you have full coverage. In this case, you may want to consider liability or state-minimum insurance instead of full coverage.
Cheapest Minimum Liability Car Insurance in Pomona
State Minimum
- CompanyState Minimumper year
- 1.$428
- 2.$460
- 3.$556
- 4.$563
- 5.$572
California's minimum required car insurance is usually the least expensive option in Pomona, but it does not offer the best protection. The state only requires drivers to carry liability insurance, which includes bodily injury and property damage coverage but doesn't cover you for any damages. For example, if you are at fault for an accident and damage $10,000 worth of property and have only $5,000 in coverage, you will be responsible for the additional $5,000.
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 Pomona if You Have Driving Violations
If you have a driving violation such as a speeding ticket, DUI or at-fault accident, you may face higher premiums, though it will depend on the severity of the incident.
MoneyGeek found that the following insurance companies offer the cheapest car insurance in Pomona for those with driving violations:
- Cheapest after a ticket: Esurance, $1,369 per year
- Cheapest after an at-fault accident: Esurance, $1,695 per year
- Cheapest after a DUI: Mercury, $2,295 per year
USAA is the cheapest option for drivers with a speeding ticket and a military background, with policies averaging $1,243 per year.
Drivers in Pomona with poor driving records can improve over time to qualify for cheaper insurance. In the meantime, you should shop around for the most affordable car insurance after your violation by comparing quotes from different insurers.
Cheapest Car Insurance in Pomona With a Violation
Speeding Ticket
Average Cost of Car Insurance in Pomona
Pomona$1,432
California$1,429
U.S.$1,424
In Pomona, the average cost of auto insurance is $1,432 per year, which is slightly higher than the state and national average. Pomona drivers pay 0.2% more annually than the rest of California and 0.6% more than the rest of the nation.
Personalized Quotes to Get You the Cheapest Car Insurance in Pomona
In Pomona, there are several factors that insurers consider when determining your car insurance quotes. These factors include your age, gender, car make and model, coverage level and ZIP code.
As insurers weigh factors differently, comparing quotes can help you find the best rate given your situation. Compare quotes from at least three different insurers to find the cheapest rate.
Compare Car Insurance Rates in Pomona
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Pomona
MoneyGeek also ranked the best car insurance in Pomona for drivers looking for good service quality at an affordable price.
Based on these factors, the top insurers are:
- AAA: MoneyGeek score of 90 out of 100 points
- GEICO: MoneyGeek score of 90 out of 100 points
USAA received the highest possible score for Pomona, but it is only available to drivers with a military background. If you qualify, USAA has great auto insurance rates and customer service.
MoneyGeek’s unique rating system incorporates J.D. Power user satisfaction scores, affordability ratings and financial stability scores.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:87.5
5
State Farm
Score:87.5
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:82.5
9
Allstate
Score:82.5
10
Safeco
Score:80
11
CSAA
Score:77.5
12
Liberty Mutual
Score:77.5
13
Farmers
Score:77.5
14
Mercury
Score:77.5
15
Nationwide
Score:75
16
Kemper
Score:70
Average Cost of Car Insurance by Postal Code
California car insurance rates vary not only by city but also by ZIP code. This is because insurers calculate the costs of insurance based on external factors within the area, such as the number of accidents, car-theft incidents, traffic and more.
The most affordable ZIP code (91107) for auto insurance in Pomona is $1,429 per year, which is $5 less than the most expensive postal code. While this is not a big difference, costs can vary widely in other cities.
- Zip CodeState Minimumper year
- 91766$1,429
- 91767$1,434
Factors That Impact Insurance Costs in Pomona
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 Pomona. How Pomona ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Pomona are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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