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.
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.
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.
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.
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.
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.
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).
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.
Average Annual Auto Insurance Rates
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.
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?

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.
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?

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?

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.
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
