Cheapest and Best Car Insurance Companies in Rancho Cucamonga, CA


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Banner image
ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

Advertising & Editorial Disclosure

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
2024

Cheapest and Best Car Insurance in Rancho Cucamonga, CA

Why Trust MoneyGeek? Using data from the California Department of Insurance and Quadrant Information Services, we evaluated car insurance rates in Rancho Cucamonga.

352,910Quotes Analyzed
 
18Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$389Monthly Premium$32
MercuryAnnual Premium$467Monthly Premium$39
AAA CaliforniaAnnual Premium$496Monthly Premium$41
ProgressiveAnnual Premium$502Monthly Premium$42
KemperAnnual Premium$507Monthly Premium$42
TravelersAnnual Premium$544Monthly Premium$45
NationwideAnnual Premium$548Monthly Premium$46
National GeneralAnnual Premium$564Monthly Premium$47

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$988Monthly Premium$82
GEICOAnnual Premium$1,023Monthly Premium$85
MercuryAnnual Premium$1,136Monthly Premium$95
AAA CaliforniaAnnual Premium$1,152Monthly Premium$96
ProgressiveAnnual Premium$1,162Monthly Premium$97
NationwideAnnual Premium$1,299Monthly Premium$108
AllstateAnnual Premium$1,312Monthly Premium$109
State FarmAnnual Premium$1,320Monthly Premium$110

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.

Loading...
    coins2 icon

    Compare

    Compare minimum and full coverage policies.

    find icon

    Find a match

    Get matched with an insurer in Rancho Cucamonga.

    financialPlanning icon

    Save

    Save hundreds of dollars per year.

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,037Monthly Premium$86
AAA CaliforniaAnnual Premium$1,491Monthly Premium$124
MercuryAnnual Premium$1,500Monthly Premium$125
GEICOAnnual Premium$1,533Monthly Premium$128
Capital Insurance GroupAnnual Premium$1,552Monthly Premium$129
AllstateAnnual Premium$1,915Monthly Premium$160
KemperAnnual Premium$1,942Monthly Premium$162
State FarmAnnual Premium$1,965Monthly Premium$164

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,957Individual Plan Monthly Premium$5,434
State FarmFamily Plan Annual Premium$3,043Individual Plan Monthly Premium$5,953
FarmersFamily Plan Annual Premium$3,140Individual Plan Monthly Premium$6,343
Capital Insurance GroupFamily Plan Annual Premium$3,255Individual Plan Monthly Premium$4,051
AllstateFamily Plan Annual Premium$3,525Individual Plan Monthly Premium$7,104
ProgressiveFamily Plan Annual Premium$3,714Individual Plan Monthly Premium$7,592
TravelersFamily Plan Annual Premium$3,909Individual Plan Monthly Premium$5,543
KemperFamily Plan Annual Premium$4,456Individual Plan Monthly Premium$9,989

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).

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$860Monthly Premium$72
National GeneralAnnual Premium$988Monthly Premium$82
GEICOAnnual Premium$1,023Monthly Premium$85
MercuryAnnual Premium$1,136Monthly Premium$95
AAA CaliforniaAnnual Premium$1,152Monthly Premium$96
ProgressiveAnnual Premium$1,162Monthly Premium$97
NationwideAnnual Premium$1,299Monthly Premium$108
AllstateAnnual Premium$1,312Monthly Premium$109

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

High
Average
Low

Rates updated:

Jun 18, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

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

checkmark

Ranks second-cheapest among 15 insurers

checkmark

Earned the highest rating in customer satisfaction

checkmark

Offers mechanical breakdown insurance (MBI)

cons

close

Has below-than-average scores in claims management

close

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

checkmark

Highest claims management score

checkmark

Second-highest customer service score

checkmark

Offers original equipment manufacturer (OEM) coverage

cons

close

No accident forgiveness or new car replacement add-ons

close

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

checkmark

An affordable minimum coverage policy costs $389 per year

checkmark

Above-average score for customer service

checkmark

Offers discounts for bundling policies or installing airbags

cons

close

Claims management is subpar

close

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.