Compare the Cheapest Car Insurance Quotes in Rancho Cucamonga, CA

Rancho Cucamonga's average annual car insurance cost is $1,379, which is less than California’s state average. MoneyGeek rated various Rancho Cucamonga insurers based on their level of coverage and driver profile and found that Esurance is the cheapest widely available insurer. MoneyGeek also recommended other quality insurers for drivers looking for a good balance of affordability and cost.


Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 11/3/2022
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On average, Esurance offers the cheapest car insurance in Rancho Cucamonga, including for drivers with a ticket, but Mercury has the most affordable state minimum coverage. USAA is great for military families. MoneyGeek found AAA is the best car insurance company in Rancho Cucamonga for balancing affordability and quality service. Your profile and coverage determine the best for you.

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The Cheapest and Best Car Insurance in Rancho Cucamonga

The Cheapest Car Insurance Companies in Rancho Cucamonga

In Rancho Cucamonga, the cheapest full coverage car insurance is from the following companies:

  • Esurance: $1,047 average per year
  • AAA: $1,196 average per year

USAA, available to the military, veterans and their families, offers a full coverage policy for roughly $1,122 per year.

Travelers has the most expensive full coverage policy in Rancho Cucamonga at around $1,666 a year. That’s $619 or about 59% more than Esurance, the cheapest, open-to-all option.

Full coverage car insurance includes comprehensive and collision coverage. The rate varies depending on the liability limits chosen.

Cheapest Car Insurance in Rancho Cucamonga
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
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    State Farm
  • 10.
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  • 13.

MoneyGeek gathered the average rates for a 40-year-old man with full coverage car insurance in Rancho Cucamonga, as our methodology explains.

A full coverage policy includes collision and comprehensive insurance with liability. You get increased protection for damage to your car, resulting in a higher premium than minimum coverage.

  • Comprehensive coverage: pays for damage from non-collision incidents and theft
  • Collision coverage: covers the cost of repairs in an at-fault accident

If you have an older car, full coverage may cost more than your car’s value. Liability-only or minimum coverage may be a better and cheaper option in that situation.

Compare Car Insurance Rates in Rancho Cucamonga

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Rancho Cucamonga for Minimum Coverage

The cheapest car insurance in Rancho Cucamonga is a minimum coverage policy. The companies offering the lowest minimum coverage rates in Rancho Cucamonga are:

  • Mercury: $523 average per year
  • Progressive: $530 average per year

USAA is the cheapest minimum coverage option at around $460 annually but is only available to military members and their families.

A policy from Farmers, which has the highest minimum coverage premium in Rancho Cucamonga at $844 on average annually, costs $321 more than Mercury.

Minimum coverage is cheap, but you risk being fully covered since it excludes comprehensive and collision insurance and has low liability limits.

The table below shows how policy rates differ by liability limits.

Cheapest Minimum Liability Car Insurance in Rancho Cucamonga
State Minimum

Per California’s car insurance laws, a minimum coverage policy includes liability coverage of 15/30/5 and uninsured motorist coverage of 15/30 with $3,500 in property damage coverage. It is the cheapest option in Rancho Cucamonga but offers the least protection, so you may pay out of pocket in an accident.

For example, if you cause an accident and the other driver has repairs costing $20,000, you have to pay $15,000 since your policy only covers $5,000.

California Minimum Liability Requirements

  • Item
  • 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 Rancho Cucamonga if You Have Driving Violations

Violations such as tickets, at-fault accidents and DUIs result in more expensive car insurance in Rancho Cucamonga. The companies offering, on average, the cheapest rates after a violation in Rancho Cucamonga are:

  • Cheapest after a ticket: Esurance, $1,326 per year
  • Cheapest after an at-fault accident: Esurance, $1,638 per year
  • Cheapest after a DUI: Mercury, $2,008 per year

If eligible because of a military background, USAA has the cheapest rate after a ticket, roughly $1,227 a year.

To get cheaper car insurance in Rancho Cucamonga, improve your driving record over time. Until then, shopping around can help you find an affordable rate.

Cheapest Car Insurance in Rancho Cucamonga With a Violation
Speeding Ticket

Average Cost of Car Insurance in Rancho Cucamonga

Rancho Cucamonga$1,379

On average, drivers in Rancho Cucamonga pay slightly less for car insurance than the state and national averages.

The average car insurance rate in Rancho Cucamonga is $1,379. This is 3.5% less than the state average and 3.2% less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Rancho Cucamonga

Auto insurance providers analyze several factors to determine car insurance quotes in Rancho Cucamonga. These can include age, gender, miles driven per year, driving record and more.

For example, an Esurance policy for a 40-year-old male driver in Rancho Cucamonga costs an average of $1,047 per year. Older customers may pay a different premium.

Since your life circumstances change each year, it’s smart to compare car insurance quotes regularly to get the best prices for your current situation.

Compare Car Insurance Rates in Rancho Cucamonga

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

The Best Car Insurance Companies in Rancho Cucamonga

MoneyGeek evaluated the best auto insurance companies in Rancho Cucamonga using our ranking system, which takes into account average prices, claims ratings, financial stability and consumer happiness. We determined the following companies to be the top two insurers in the city:

  • Esurance: 90.8 out of 100
  • AAA: 86.8 out of 100

We did not include USAA in our rankings despite being the top ranking insurer in the city with a score of 91.8. This is because it only serves military families.

There are no ratings for this company
Geek Quick Take
Geek Quick Take

Even though it scored lower in claims, Esurance ranked well in affordability and satisfaction. In Rancho Cucamonga, Esurance’s full coverage costs roughly $1,047 per year. It offers custom parts coverage, which is a unique optional policy.

More About Esurance

Esurance’s custom parts coverage assures that your car's aftermarket modifications are protected. This implies that even if you installed bespoke equipment like a sound system that weren't initially part of your car, you'll be insured. Esurance's rideshare insurance is available in Rancho Cucamonga. This ensures that personal and ridesharing insurance plans are compatible. You are also promised to pay the lowest comprehensive and collision deductibles across your personal coverage and your ridesharing insurance policy.

Read MoneyGeek's Esurance auto Insurance Review
There are no ratings for this company
Geek Quick Take
Geek Quick Take

AAA in Rancho Cucamonga is a solid option after Esurance thanks to its perfect score in claims and great scores among other categories. It has a unique standard-offer identity theft protection policy and costs around $1,196 per year.

More About AAA

There are three levels of coverage available with Rancho Cucamonga AAA's identity theft insurance. It aids in the monitoring of your account so that you are informed of any signs of identity theft, and agents are assigned to assist you if a case is required. Rental reimbursement is also offered through AAA as an add-on feature. If your car is not drivable or in the shop for repairs after a loss, this supplementary coverage pays for vehicle rental or public transportation expenses up to your policy limit.

Read MoneyGeek's AAA auto Insurance Review

Average Cost of Car Insurance by Postal Code

Where you reside in Rancho Cucamonga impacts how much you pay for your car insurance. ZIP code is important because factors like the number of uninsured motorists, accidents, car thefts and more can vary between neighborhoods

In Rancho Cucamonga, drivers living in the 91701 ZIP code may pay $103 less per year for car insurance than those in the 91730 community.

  • Zip Code
    State Minimumper year
  • 91701
  • 91730

Factors That Impact Insurance Costs in Rancho Cucamonga

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 Rancho Cucamonga. How Rancho Cucamonga ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities278th/300
handcuffs2 icon
Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
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Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall210th/300
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Most Rainy Days258th/300

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.