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.
Compare the Cheapest Car Insurance Quotes in Rancho Cucamonga, CA
The Cheapest and Best Car Insurance in Rancho Cucamonga
The Cheapest Car Insurance Companies in Rancho Cucamonga
The two cheapest insurance companies in Rancho Cucamonga for a full coverage car insurance policy are:
- Esurance: $1,047
- USAA: $1,122 (only serving current and former military members)
In this study, MoneyGeek used a sample profile of a 40-year-old male driver with a full coverage policy that includes liability and comprehensive collision coverage.
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Average Cost of Car Insurance in Rancho Cucamonga
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.
The Best Car Insurance Companies in Rancho Cucamonga
MoneyGeek used a scoring system to rank the best companies in Rancho Cucamonga and help drivers find an insurance company offering a balance between cost and quality service. According to the ranking system, the two best companies for most drivers are:
- AAA: MoneyGeek score of 90 of 100
- GEICO: MoneyGeek score of 90 of 100
USAA received the highest score in Rancho Cucamonga by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek calculated scores out of 100 based on data from J.D. Power's affordability, financial stability and customer satisfaction ratings.
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.
Shopping around for car insurance in Rancho Cucamonga could save you $332, which is enough to buy:
Cheapest Car Insurance in Rancho Cucamonga by Coverage Amount
The amount of coverage you purchase is one of the most significant factors affecting insurance premiums, regardless of location. A state minimum liability policy covering physical injury and property damages costs an average of $652 in Rancho Cucamonga, while a full coverage policy with higher liability limits costs an average of $1,379 yearly. That’s a $727 difference.
California Minimum Liability Requirements
- 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.
When choosing car insurance in Rancho Cucamonga, drivers can select between different types of insurance and levels of coverage. Generally, the cheapest car insurance is a liability-only plan. This plan will pay for costs the other driver incurs if you cause an accident.
Full-coverage plans are more expensive but will pay for your costs and the other driver’s if you are responsible for causing an accident. Esurance offers a 50/100/50 full-coverage policy that costs an average of $327 more per year than their liability-only plan. The 50/100/50 refers to payout limits. With these limits, you can receive $50,000 in medical payments per person, up to $100,000 total per accident and $50,000 in property damage costs.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Rancho Cucamonga if You Have Driving Violations
It is smart to maintain a clean driving record. Typically, you’ll pay higher auto insurance rates if you have violations like a DUI, accident or ticket.
For example, Esurance policyholders in Rancho Cucamonga with a speeding ticket could pay $279 more per year than those with a clean record. Drivers with a recorded at-fault accident may be charged $591 more on average and those with a logged DUI could pay an extra $1,557 per year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Rancho Cucamonga 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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