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Your driving history and coverage needs will determine the auto insurance company that best suits you. Our unique scoring system found that GEICO offers the cheapest rates for minimum coverage policies and female teen drivers.

GEICO also ranked as the best overall and best cheap auto insurance provider in Rancho Cucamonga, while Chubb dominates in terms of service quality.

National General provides the most affordable premiums for full coverage policies and drivers with offenses. State Farm is the cheapest option for male teen drivers, while USAA offers the cheapest rates to military-affiliated drivers.

MoneyGeek Logo IconCheapest + BestCar InsuranceCucamonga
2023

Cheapest and Best Car Insurance in Rancho Cucamonga, CA

Cheapest Minimum Liability Car Insurance in Rancho Cucamonga

The following carriers offer the cheapest minimum coverage car insurance in Rancho Cucamonga:

  • GEICO: $389 per year
  • Mercury: $467 per year

Chubb is the city’s most expensive provider, with policies costing approximately $757 per year as of October 2022.

Company
Annual Premium
Monthly Premium

GEICO

$385

$32

GEICO

$389

$32

State Farm

$440

$37

GEICO

$458

$38

Mercury

$467

$39

Mercury

$479

$40

AAA California

$496

$41

Progressive

$502

$42

Kemper

$507

$42

Progressive

$510

$42

AAA California

$517

$43

Nationwide

$528

$44

Travelers

$544

$45

Travelers

$544

$45

Nationwide

$548

$46

National General

$564

$47

Hartford

$571

$48

National General

$580

$48

State Farm

$582

$49

Kemper

$584

$49

Mercury

$588

$49

State National

$592

$49

Progressive

$598

$50

State National

$611

$51

Capital Insurance Group

$614

$51

Travelers

$618

$52

AAA California

$634

$53

Capital Insurance Group

$636

$53

Farmers

$656

$55

Hartford

$656

$55

State Farm

$665

$55

Farmers

$675

$56

Allstate

$677

$56

Allstate

$685

$57

Nationwide

$689

$57

National General

$695

$58

Capital Insurance Group

$712

$59

State National

$717

$60

Allstate

$736

$61

Chubb

$757

$63

Farmers

$766

$64

Kemper

$772

$64

Chubb

$779

$65

Hartford

$858

$72

National General

$988

$82

GEICO

$989

$82

National General

$1,001

$83

GEICO

$1,023

$85

State Farm

$1,029

$86

Chubb

$1,083

$90

Mercury

$1,116

$93

AAA California

$1,135

$95

Mercury

$1,136

$95

AAA California

$1,152

$96

Progressive

$1,160

$97

Progressive

$1,162

$97

GEICO

$1,180

$98

National General

$1,197

$100

Nationwide

$1,199

$100

Allstate

$1,243

$104

Hartford

$1,267

$106

Capital Insurance Group

$1,278

$107

Nationwide

$1,299

$108

Allstate

$1,312

$109

State Farm

$1,320

$110

State National

$1,320

$110

Capital Insurance Group

$1,356

$113

Progressive

$1,399

$117

State National

$1,420

$118

Travelers

$1,445

$120

Allstate

$1,453

$121

Hartford

$1,460

$122

Kemper

$1,462

$122

Mercury

$1,475

$123

Travelers

$1,512

$126

AAA California

$1,516

$126

Capital Insurance Group

$1,525

$127

State Farm

$1,542

$128

Farmers

$1,673

$139

Nationwide

$1,689

$141

Farmers

$1,712

$143

State National

$1,743

$145

Travelers

$1,797

$150

Kemper

$1,813

$151

Chubb

$1,823

$152

Chubb

$1,880

$157

Hartford

$1,902

$159

Farmers

$2,027

$169

Kemper

$2,174

$181

Chubb

$2,683

$224

California law mandates that drivers with liability-only policies carry bodily injury and property damage coverage. The limits are:

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

The purpose of minimum coverage is to protect the policyholder from incurring excessively high costs. Each individual is covered for up to $15,000 in medical expenses in the case of an accident or collision, with a maximum of $30,000 per accident. If these limits are exceeded, the cost is typically borne by the driver.

Cheapest Full Coverage Car Insurance in Rancho Cucamonga

The following companies provide the most affordable auto insurance in Rancho Cucamonga for full coverage policies:

  • National General: $988 per year
  • GEICO: $1,023 per year

Chubb has the most expensive rates, averaging $1,823 per year as of October 2022.

Company
Annual Premium
Monthly Premium

GEICO

$385

$32

GEICO

$389

$32

State Farm

$440

$37

GEICO

$458

$38

Mercury

$467

$39

Mercury

$479

$40

AAA California

$496

$41

Progressive

$502

$42

Kemper

$507

$42

Progressive

$510

$42

AAA California

$517

$43

Nationwide

$528

$44

Travelers

$544

$45

Travelers

$544

$45

Nationwide

$548

$46

National General

$564

$47

Hartford

$571

$48

National General

$580

$48

State Farm

$582

$49

Kemper

$584

$49

Mercury

$588

$49

State National

$592

$49

Progressive

$598

$50

State National

$611

$51

Capital Insurance Group

$614

$51

Travelers

$618

$52

AAA California

$634

$53

Capital Insurance Group

$636

$53

Farmers

$656

$55

Hartford

$656

$55

State Farm

$665

$55

Farmers

$675

$56

Allstate

$677

$56

Allstate

$685

$57

Nationwide

$689

$57

National General

$695

$58

Capital Insurance Group

$712

$59

State National

$717

$60

Allstate

$736

$61

Chubb

$757

$63

Farmers

$766

$64

Kemper

$772

$64

Chubb

$779

$65

Hartford

$858

$72

National General

$988

$82

GEICO

$989

$82

National General

$1,001

$83

GEICO

$1,023

$85

State Farm

$1,029

$86

Chubb

$1,083

$90

Mercury

$1,116

$93

AAA California

$1,135

$95

Mercury

$1,136

$95

AAA California

$1,152

$96

Progressive

$1,160

$97

Progressive

$1,162

$97

GEICO

$1,180

$98

National General

$1,197

$100

Nationwide

$1,199

$100

Allstate

$1,243

$104

Hartford

$1,267

$106

Capital Insurance Group

$1,278

$107

Nationwide

$1,299

$108

Allstate

$1,312

$109

State Farm

$1,320

$110

State National

$1,320

$110

Capital Insurance Group

$1,356

$113

Progressive

$1,399

$117

State National

$1,420

$118

Travelers

$1,445

$120

Allstate

$1,453

$121

Hartford

$1,460

$122

Kemper

$1,462

$122

Mercury

$1,475

$123

Travelers

$1,512

$126

AAA California

$1,516

$126

Capital Insurance Group

$1,525

$127

State Farm

$1,542

$128

Farmers

$1,673

$139

Nationwide

$1,689

$141

Farmers

$1,712

$143

State National

$1,743

$145

Travelers

$1,797

$150

Kemper

$1,813

$151

Chubb

$1,823

$152

Chubb

$1,880

$157

Hartford

$1,902

$159

Farmers

$2,027

$169

Kemper

$2,174

$181

Chubb

$2,683

$224

If you want collision and comprehensive insurance for added protection, consider purchasing a full coverage policy.

  • Comprehensive Insurance: Assists in paying for damages to your car caused by animals, theft, fire or adverse weather.
  • Collision Insurance: Covers you if your car collides with another vehicle or object.

Drivers with newer automobiles should consider purchasing a full coverage policy to protect their investment. However, full coverage may not be cost-effective for those who drive older vehicles.

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Cheapest Car Insurance in Rancho Cucamonga After a Driving Offense

National General offers the cheapest auto insurance rates for drivers with traffic offenses. The rates are as follows:

  • Speeding ticket: National General ($1,037 per year)
  • At-fault accident: National General ($1,462 per year)
  • DUI: National General ($1,037 per year)

Kemper has the highest rates after an at-fault accident at $3,208 per year. Hartford is the most expensive for those with a DUI, charging $5,312 per year, while Chubb costs the most after a speeding ticket, charging $2,389 per year. Poor driving records often result in higher insurance premiums. Typically, the cheapest rates for drivers with a violation are more expensive than the cheapest option for a driver with a clean driving record.

Company
Annual Premium
Monthly Premium

GEICO

$587

$49

GEICO

$593

$49

National General

$596

$50

National General

$596

$50

Mercury

$600

$50

National General

$614

$51

National General

$614

$51

Mercury

$618

$52

AAA California

$661

$55

State Farm

$670

$56

Kemper

$674

$56

Capital Insurance Group

$679

$57

GEICO

$690

$57

AAA California

$690

$58

GEICO

$697

$58

GEICO

$699

$58

State Farm

$700

$58

Capital Insurance Group

$704

$59

Capital Insurance Group

$712

$59

National General

$734

$61

National General

$734

$61

Capital Insurance Group

$739

$62

Mercury

$752

$63

Mercury

$760

$63

Mercury

$772

$64

Kemper

$777

$65

AAA California

$789

$66

Capital Insurance Group

$790

$66

Nationwide

$815

$68

Hartford

$821

$68

Hartford

$821

$68

GEICO

$822

$68

AAA California

$824

$69

Capital Insurance Group

$829

$69

Travelers

$835

$70

Travelers

$836

$70

Mercury

$837

$70

State National

$838

$70

State National

$838

$70

National General

$845

$70

Nationwide

$845

$70

AAA California

$848

$71

Mercury

$859

$72

State National

$863

$72

State National

$863

$72

National General

$873

$73

State Farm

$884

$74

Farmers

$894

$74

Farmers

$894

$74

Progressive

$905

$75

Nationwide

$905

$75

Farmers

$919

$77

Farmers

$919

$77

Progressive

$920

$77

State Farm

$924

$77

GEICO

$929

$77

Travelers

$930

$78

Travelers

$933

$78

GEICO

$940

$78

Nationwide

$941

$78

Allstate

$946

$79

Mercury

$950

$79

Hartford

$957

$80

Hartford

$957

$80

Travelers

$960

$80

Allstate

$960

$80

Chubb

$972

$81

Chubb

$994

$83

Progressive

$997

$83

State Farm

$1,011

$84

AAA California

$1,015

$85

Progressive

$1,016

$85

State National

$1,020

$85

State National

$1,020

$85

Kemper

$1,030

$86

Allstate

$1,036

$86

National General

$1,037

$86

National General

$1,037

$86

Farmers

$1,044

$87

Farmers

$1,044

$87

National General

$1,047

$87

National General

$1,052

$88

National General

$1,052

$88

State Farm

$1,055

$88

Mercury

$1,058

$88

Nationwide

$1,067

$89

Capital Insurance Group

$1,067

$89

Travelers

$1,070

$89

Progressive

$1,089

$91

Progressive

$1,090

$91

Allstate

$1,092

$91

Capital Insurance Group

$1,105

$92

Allstate

$1,107

$92

GEICO

$1,108

$92

Progressive

$1,114

$93

Farmers

$1,118

$93

Travelers

$1,122

$93

Travelers

$1,122

$93

Kemper

$1,147

$96

Kemper

$1,147

$96

Farmers

$1,147

$96

Chubb

$1,180

$98

Nationwide

$1,190

$99

Allstate

$1,196

$100

Chubb

$1,204

$100

Progressive

$1,204

$100

Capital Insurance Group

$1,242

$104

National General

$1,258

$105

National General

$1,258

$105

Hartford

$1,279

$107

Hartford

$1,279

$107

Travelers

$1,296

$108

Chubb

$1,298

$108

Farmers

$1,305

$109

Progressive

$1,320

$110

State Farm

$1,379

$115

Kemper

$1,394

$116

Kemper

$1,394

$116

Nationwide

$1,437

$120

National General

$1,462

$122

Capital Insurance Group

$1,462

$122

AAA California

$1,469

$122

Mercury

$1,469

$122

GEICO

$1,483

$124

National General

$1,483

$124

AAA California

$1,491

$124

Nationwide

$1,494

$125

Mercury

$1,500

$125

Capital Insurance Group

$1,501

$125

Chubb

$1,506

$126

State National

$1,514

$126

Chubb

$1,527

$127

State Farm

$1,528

$127

GEICO

$1,533

$128

Chubb

$1,550

$129

Capital Insurance Group

$1,552

$129

State National

$1,561

$130

Capital Insurance Group

$1,594

$133

State Farm

$1,602

$133

GEICO

$1,661

$138

AAA California

$1,710

$142

GEICO

$1,713

$143

AAA California

$1,732

$144

AAA California

$1,743

$145

Capital Insurance Group

$1,750

$146

Kemper

$1,758

$147

Kemper

$1,758

$147

GEICO

$1,770

$147

National General

$1,776

$148

AAA California

$1,787

$149

Capital Insurance Group

$1,797

$150

Allstate

$1,811

$151

State Farm

$1,822

$152

Mercury

$1,838

$153

Chubb

$1,852

$154

State National

$1,855

$155

Nationwide

$1,855

$155

Mercury

$1,876

$156

State National

$1,876

$156

State National

$1,876

$156

Hartford

$1,884

$157

Hartford

$1,884

$157

Nationwide

$1,895

$158

Allstate

$1,915

$160

Kemper

$1,942

$162

Mercury

$1,949

$162

AAA California

$1,962

$163

State Farm

$1,965

$164

Allstate

$1,968

$164

Hartford

$1,968

$164

Mercury

$1,973

$164

GEICO

$1,981

$165

Allstate

$1,999

$167

Mercury

$2,006

$167

Nationwide

$2,014

$168

State National

$2,018

$168

State National

$2,018

$168

State Farm

$2,057

$171

Nationwide

$2,066

$172

State Farm

$2,081

$173

Allstate

$2,130

$178

Allstate

$2,167

$181

Hartford

$2,182

$182

Hartford

$2,182

$182

Progressive

$2,192

$183

Progressive

$2,195

$183

Travelers

$2,199

$183

AAA California

$2,207

$184

Nationwide

$2,244

$187

Allstate

$2,252

$188

Capital Insurance Group

$2,285

$190

State Farm

$2,292

$191

Travelers

$2,292

$191

AAA California

$2,300

$192

Farmers

$2,312

$193

Farmers

$2,312

$193

Hartford

$2,330

$194

GEICO

$2,354

$196

Farmers

$2,366

$197

Farmers

$2,366

$197

Progressive

$2,388

$199

Chubb

$2,389

$199

Allstate

$2,391

$199

Progressive

$2,395

$200

State Farm

$2,401

$200

Kemper

$2,408

$201

Capital Insurance Group

$2,428

$202

GEICO

$2,433

$203

Mercury

$2,437

$203

Chubb

$2,448

$204

Travelers

$2,448

$204

State National

$2,481

$207

State National

$2,481

$207

Travelers

$2,549

$212

Mercury

$2,606

$217

Nationwide

$2,627

$219

Progressive

$2,654

$221

Allstate

$2,670

$223

Progressive

$2,723

$227

Progressive

$2,734

$228

Capital Insurance Group

$2,739

$228

Travelers

$2,749

$229

Farmers

$2,804

$234

Farmers

$2,804

$234

GEICO

$2,811

$234

Hartford

$2,872

$239

Hartford

$2,872

$239

Farmers

$2,889

$241

Kemper

$2,891

$241

Progressive

$2,896

$241

Nationwide

$2,933

$244

Chubb

$2,937

$245

Farmers

$2,957

$246

Chubb

$2,995

$250

Travelers

$3,058

$255

Travelers

$3,061

$255

State Farm

$3,160

$263

Travelers

$3,196

$266

Hartford

$3,206

$267

Kemper

$3,208

$267

Kemper

$3,208

$267

Chubb

$3,249

$271

Nationwide

$3,284

$274

Progressive

$3,307

$276

State National

$3,496

$291

Farmers

$3,504

$292

AAA California

$3,536

$295

Nationwide

$3,570

$298

AAA California

$3,571

$298

State National

$3,766

$314

Chubb

$3,798

$316

Chubb

$3,849

$321

Travelers

$3,861

$322

Chubb

$3,907

$326

Allstate

$3,969

$331

State Farm

$4,062

$338

Kemper

$4,080

$340

Kemper

$4,080

$340

Allstate

$4,211

$351

Hartford

$4,542

$379

State National

$4,648

$387

Nationwide

$4,684

$390

Allstate

$4,701

$392

Chubb

$4,710

$393

AAA California

$4,712

$393

State Farm

$4,737

$395

Kemper

$4,786

$399

Kemper

$4,786

$399

Hartford

$5,312

$443

Hartford

$7,110

$593

A serious traffic offense frequently increases the cost of auto insurance. After a DUI, premiums in Rancho Cucamonga are $1,905 higher than for a driver with a clean record. A speeding ticket may result in a $551 increase in insurance rates. To highlight reasonable options, we identified the cheapest auto insurance for bad driving records.

Cheapest Car Insurance in Rancho Cucamonga for Teens and Their Families

The cheapest car insurance providers for 16-year-olds on their families' policies are:

  • GEICO: $2,957 per year for female teens; State Farm: $3,043 per year for male teens
  • State Farm: $3,043 per year for female teens; GEICO: $3,117 per year for male teens

Nationwide is the most expensive company for female and male teenagers at $4,821 per year. As high-risk drivers, male teenagers pay a higher premium for auto insurance. Yet, rates tend to decline once individuals reach early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,307

$2,096

GEICO

$1,337

$2,146

GEICO

$1,340

$2,363

GEICO

$1,355

$2,255

GEICO

$1,370

$2,198

GEICO

$1,377

$2,429

GEICO

$1,397

$2,567

GEICO

$1,415

$2,495

GEICO

$1,551

$2,315

GEICO

$1,602

$2,644

Nationwide

$1,676

$3,470

Nationwide

$1,676

$3,470

Capital Insurance Group

$1,728

$2,213

Capital Insurance Group

$1,728

$2,213

Progressive

$1,786

$2,851

Progressive

$1,786

$2,851

Nationwide

$1,837

$3,805

Nationwide

$1,837

$3,805

Nationwide

$1,896

$4,352

Nationwide

$1,896

$4,352

Kemper

$1,900

$3,811

Kemper

$1,900

$3,811

Progressive

$1,933

$3,086

Progressive

$1,933

$3,086

Allstate

$1,933

$3,150

Allstate

$1,933

$3,150

Capital Insurance Group

$1,967

$2,621

Capital Insurance Group

$1,967

$2,621

Nationwide

$1,970

$4,078

Nationwide

$1,970

$4,078

GEICO

$1,997

$3,365

Kemper

$2,006

$4,024

Kemper

$2,006

$4,024

Allstate

$2,024

$3,297

Allstate

$2,024

$3,297

Capital Insurance Group

$2,047

$2,621

Capital Insurance Group

$2,047

$2,621

Capital Insurance Group

$2,047

$2,621

Capital Insurance Group

$2,047

$2,621

Progressive

$2,068

$3,814

Progressive

$2,068

$3,814

GEICO

$2,075

$3,881

Allstate

$2,075

$3,663

Allstate

$2,075

$3,663

Allstate

$2,096

$3,415

Allstate

$2,096

$3,415

State Farm

$2,101

$3,085

State Farm

$2,101

$3,085

Kemper

$2,112

$4,731

Kemper

$2,112

$4,731

Farmers

$2,150

$3,073

Farmers

$2,150

$3,073

Progressive

$2,166

$3,458

Progressive

$2,166

$3,458

Kemper

$2,182

$4,377

Kemper

$2,182

$4,377

GEICO

$2,184

$3,259

Travelers

$2,185

$2,981

Travelers

$2,185

$2,981

State Farm

$2,185

$3,209

State Farm

$2,185

$3,209

Nationwide

$2,219

$4,770

Nationwide

$2,219

$4,770

State Farm

$2,223

$3,481

State Farm

$2,223

$3,481

Allstate

$2,224

$3,680

Allstate

$2,224

$3,680

State Farm

$2,236

$3,283

State Farm

$2,236

$3,283

Travelers

$2,262

$3,085

Travelers

$2,262

$3,085

GEICO

$2,271

$3,747

Capital Insurance Group

$2,284

$2,948

Capital Insurance Group

$2,284

$2,948

Travelers

$2,308

$3,311

Travelers

$2,308

$3,311

Travelers

$2,357

$3,215

Travelers

$2,357

$3,215

Capital Insurance Group

$2,368

$2,948

Capital Insurance Group

$2,368

$2,948

State Farm

$2,382

$3,549

State Farm

$2,382

$3,549

Farmers

$2,408

$3,564

Farmers

$2,408

$3,564

Kemper

$2,446

$5,016

Kemper

$2,446

$5,016

Farmers

$2,494

$3,564

Farmers

$2,494

$3,564

Farmers

$2,494

$3,564

Farmers

$2,494

$3,564

State Farm

$2,529

$3,952

State Farm

$2,529

$3,952

Capital Insurance Group

$2,536

$3,274

Capital Insurance Group

$2,536

$3,274

Allstate

$2,551

$4,690

Allstate

$2,551

$4,690

State Farm

$2,552

$3,802

State Farm

$2,552

$3,802

Progressive

$2,565

$4,183

Progressive

$2,565

$4,183

Travelers

$2,574

$3,475

Travelers

$2,574

$3,475

Allstate

$2,593

$4,289

Allstate

$2,593

$4,289

Kemper

$2,649

$5,434

Kemper

$2,649

$5,434

Kemper

$2,672

$5,991

Kemper

$2,672

$5,991

Farmers

$2,693

$4,087

Farmers

$2,693

$4,087

Nationwide

$2,735

$6,595

Nationwide

$2,735

$6,595

GEICO

$2,758

$4,867

Travelers

$2,794

$4,010

Travelers

$2,794

$4,010

State Farm

$2,810

$5,011

State Farm

$2,810

$5,011

Travelers

$2,837

$3,830

Travelers

$2,837

$3,830

GEICO

$2,891

$5,657

Farmers

$2,911

$4,707

Farmers

$2,911

$4,707

Nationwide

$2,917

$6,271

Nationwide

$2,917

$6,271

Farmers

$2,938

$4,458

Farmers

$2,938

$4,458

GEICO

$2,957

$5,434

State Farm

$2,980

$5,313

State Farm

$2,980

$5,313

GEICO

$3,033

$5,351

State Farm

$3,043

$5,953

State Farm

$3,043

$5,953

Farmers

$3,065

$6,065

Farmers

$3,065

$6,065

GEICO

$3,117

$6,395

Farmers

$3,140

$6,343

Farmers

$3,140

$6,343

Farmers

$3,150

$6,233

Farmers

$3,150

$6,233

GEICO

$3,192

$6,246

Progressive

$3,198

$5,920

Progressive

$3,198

$5,920

Capital Insurance Group

$3,255

$4,051

Capital Insurance Group

$3,255

$4,051

Capital Insurance Group

$3,255

$4,051

Capital Insurance Group

$3,255

$4,051

Capital Insurance Group

$3,255

$4,051

Capital Insurance Group

$3,255

$4,051

Progressive

$3,398

$5,543

Progressive

$3,398

$5,543

Allstate

$3,404

$6,744

Allstate

$3,404

$6,744

Allstate

$3,525

$7,104

Allstate

$3,525

$7,104

Allstate

$3,586

$7,104

Allstate

$3,586

$7,104

Progressive

$3,690

$7,526

Progressive

$3,690

$7,526

Progressive

$3,714

$7,592

Progressive

$3,714

$7,592

Progressive

$3,729

$7,604

Progressive

$3,729

$7,604

Travelers

$3,734

$5,056

Travelers

$3,734

$5,056

Travelers

$3,901

$5,282

Travelers

$3,901

$5,282

Travelers

$3,909

$5,543

Travelers

$3,909

$5,543

Kemper

$4,031

$8,180

Kemper

$4,031

$8,180

Nationwide

$4,155

$8,916

Nationwide

$4,155

$8,916

Kemper

$4,416

$8,961

Kemper

$4,416

$8,961

Kemper

$4,456

$9,989

Kemper

$4,456

$9,989

Nationwide

$4,671

$10,025

Nationwide

$4,671

$10,025

Nationwide

$4,821

$12,099

Nationwide

$4,821

$12,099

Adding your teen to your family policy is a smart way of saving money and lowering premiums. In Rancho Cucamonga, adding a 16-year-old male to a family policy costs $3,825 per year versus purchasing a separate policy for $4,498 per year. This is a significant difference of $673. Consider exploring various options to identify the cheapest auto insurance providers for teenagers.

Cheapest Car Insurance in Rancho Cucamonga for Military Drivers

The following are the cheapest auto insurance providers for military personnel and their families:

  • USAA: $860 per year
  • National General: $988 per year

These rates are for full coverage policies. The cheapest minimum coverage policies for military drivers are offered by USAA ($365 per year) and GEICO ($389 per year).

Company
Annual Premium
Monthly Premium

USAA

$365

$30

USAA

$366

$30

GEICO

$385

$32

GEICO

$389

$32

USAA

$440

$37

State Farm

$440

$37

GEICO

$458

$38

Mercury

$467

$39

Mercury

$479

$40

AAA California

$496

$41

Progressive

$502

$42

Kemper

$507

$42

Progressive

$510

$42

AAA California

$517

$43

Nationwide

$528

$44

Travelers

$544

$45

Travelers

$544

$45

Nationwide

$548

$46

National General

$564

$47

Hartford

$571

$48

National General

$580

$48

State Farm

$582

$49

Kemper

$584

$49

Mercury

$588

$49

State National

$592

$49

Progressive

$598

$50

State National

$611

$51

Capital Insurance Group

$614

$51

Travelers

$618

$52

AAA California

$634

$53

Capital Insurance Group

$636

$53

Farmers

$656

$55

Hartford

$656

$55

State Farm

$665

$55

Farmers

$675

$56

Allstate

$677

$56

Allstate

$685

$57

Nationwide

$689

$57

National General

$695

$58

Capital Insurance Group

$712

$59

State National

$717

$60

Allstate

$736

$61

Chubb

$757

$63

Farmers

$766

$64

Kemper

$772

$64

Chubb

$779

$65

USAA

$839

$70

Hartford

$858

$72

USAA

$860

$72

National General

$988

$82

GEICO

$989

$82

National General

$1,001

$83

GEICO

$1,023

$85

USAA

$1,027

$86

State Farm

$1,029

$86

Chubb

$1,083

$90

Mercury

$1,116

$93

AAA California

$1,135

$95

Mercury

$1,136

$95

AAA California

$1,152

$96

Progressive

$1,160

$97

Progressive

$1,162

$97

GEICO

$1,180

$98

National General

$1,197

$100

Nationwide

$1,199

$100

Allstate

$1,243

$104

Hartford

$1,267

$106

Capital Insurance Group

$1,278

$107

Nationwide

$1,299

$108

Allstate

$1,312

$109

State Farm

$1,320

$110

State National

$1,320

$110

Capital Insurance Group

$1,356

$113

Progressive

$1,399

$117

State National

$1,420

$118

Travelers

$1,445

$120

Allstate

$1,453

$121

Hartford

$1,460

$122

Kemper

$1,462

$122

Mercury

$1,475

$123

Travelers

$1,512

$126

AAA California

$1,516

$126

Capital Insurance Group

$1,525

$127

State Farm

$1,542

$128

Farmers

$1,673

$139

Nationwide

$1,689

$141

Farmers

$1,712

$143

State National

$1,743

$145

Travelers

$1,797

$150

Kemper

$1,813

$151

Chubb

$1,823

$152

Chubb

$1,880

$157

Hartford

$1,902

$159

Farmers

$2,027

$169

Kemper

$2,174

$181

Chubb

$2,683

$224

How to Compare Cheap Rancho Cucamonga Car Insurance Quotes Online

Getting auto insurance quotes online can take time, particularly if you have to enter personal details on several insurance company websites. Filling out a single online quote tool can often take up to 15 minutes.

MoneyGeek's auto insurance calculator streamlines this process by analyzing potential rates based on variables, such as your vehicle's make and model, driving record, age and coverage preferences.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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

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

Progressive

Best Car Insurance in Rancho Cucamonga: Summary

When selecting the ideal policy, consider affordability, customer support and coverage options. We chose winners for each category to make it easier for you:

  • Best overall: GEICO (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)

Remember that scores vary based on the weighting of each category. It might be worth looking into CSAA since it offers the best auto insurance in California. With a MoneyGeek score of 85 out of 100, USAA is an ideal choice for military-affiliated drivers and their families.

Best Overall Car Insurance in Rancho Cucamonga

We chose the best auto insurance provider in Rancho Cucamonga based on its affordability and customer satisfaction ratings. Our top picks are:

  • GEICO: MoneyGeek score of 74 out of 100 ($1,023 per year)
  • Capital Insurance Group: MoneyGeek score of 69 out of 100 ($1,356 per year)

GEICO has the second-lowest rates among the 15 providers in our comparison and received high ratings for customer satisfaction. With a MoneyGeek score of 85 out of 100, USAA is an excellent choice for military-affiliated drivers.

How was this MoneyGeek score calculated?

GEICO

pros

Ranks second-cheapest among 15 insurers

Earned the highest rating in customer satisfaction

Offers mechanical breakdown insurance (MBI)

cons

Has below-than-average scores in claims management

Does not offer new car replacement coverage

COMPANY HIGHLIGHTS

GEICO is the best car insurance provider in Rancho Cucamonga because it combines exceptional customer service with reasonable prices. GEICO also offers MBI, a unique add-on that few other providers provide.

MBI covers all car parts and systems at a lower cost than the typical dealer-extended warranty. Drivers are only eligible if their vehicle is less than 15 months old and has fewer than 15,000 miles on the odometer. This add-on is advantageous for drivers who desire additional vehicle protection.

GEICO also offers accident forgiveness that can be earned or purchased. This can save you hundreds of dollars because it ensures your rates won't increase after your first at-fault accident. Accident forgiveness is available to drivers over 21 who have been accident-free for at least five years.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Rancho Cucamonga for Customer Service

We excluded affordability ratings to pick the best car insurance company for customer service:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,823 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,356 per year)

Chubb ranked second in customer service and has outstanding claims management ratings. However, its rates are somewhat higher than those of other companies we analyzed, so you are paying slightly more for service excellence.

How was this MoneyGeek score calculated?

Chubb

pros

Highest claims management score

Second-highest customer service score

Offers original equipment manufacturer (OEM) coverage

cons

No accident forgiveness or new car replacement add-ons

Limited coverage options

COMPANY HIGHLIGHTS

Chubb is the best auto insurance provider in Rancho Cucamonga in terms of customer service, as it got excellent ratings for customer satisfaction and claims processing. While Chubb offers few add-ons, it does provide OEM coverage, which other insurers rarely offer.

The OEM add-on benefits almost all drivers since it guarantees that your car will be fixed with genuine parts, ensuring safety systems perform at optimum levels in case of another accident. This add-on is advantageous for drivers who don’t like installing aftermarket parts in their automobiles.

Chubb also offers rental car reimbursement coverage, ideal for frequent long-distance travelers. It covers renting a vehicle if the insured automobile becomes inoperable. Chubb's agreed value coverage may be helpful if your car is totaled. The insurer and policyholder agree on the car's value when the policy is written, and if the car is stolen or totaled, Chubb pays that amount.

Best Cheap Car Insurance in Rancho Cucamonga

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

  • GEICO: MoneyGeek score of 78 out of 100 ($389 per year)
  • Mercury: MoneyGeek score of 66 out of 100 ($467 per year)

Although minimum coverage policies are the least expensive, they may not provide adequate protection. They only cover liability costs and do not pay for damage to your vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $389 per year

Above-average score for customer service

Offers discounts for bundling policies or installing airbags

cons

Claims management is subpar

No paperless or pay-in-full discount

COMPANY HIGHLIGHTS

GEICO is the best cheap car insurance provider in Rancho Cucamonga. It offers the most affordable premiums, at $389 per year, not including any potential discounts. GEICO also scored well for customer satisfaction, indicating that policyholders are getting a good deal overall.

The majority of drivers can benefit from GEICO's common and special discounts. Common discounts include those for bundling auto and home insurance, insuring multiple vehicles and staying accident-free for five years. Adding safety equipment, such as airbags, anti-lock brakes and an anti-theft system, is another way to earn discounts.

GEICO also offers discounts to drivers who successfully complete a defensive driving or driver's education course. When policyholders continuously use seatbelts and install daytime running lights, they are eligible for unique discounts. Few competitors provide these options.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Rancho Cucamonga

In Rancho Cucamonga, the annual average cost of auto insurance is $1,330 as of October 2022. The annual cost of auto insurance in California is $1,387, $57 more than rates in Rancho Cucamonga. However, the national average cost of auto insurance is $1,265, which is $65 less than Rancho Cucamonga's rates.

The prices listed above are for a full coverage policy with a bodily injury liability of $100,000 for each person. The policy also has $300,000 in bodily injury liability and $100,000 in property damage liability per accident. It is vital to understand that location is simply one of the many factors that affect the cost of car insurance.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.