Cheapest and Best Car Insurance Companies in Rancho Cucamonga, CA

Based on the latest quotes for 2023, GEICO offers the cheapest minimum coverage car insurance in Rancho Cucamonga, California. It is also the best insurer since it provides an ideal balance of service and affordability.

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 + BestCar InsuranceCucamonga

2023

Cheapest and Best Car Insurance in Rancho Cucamonga, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - GEICO

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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).

Age Group

Coverage

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.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

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

low end

on average

high end

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

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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.

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?

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.

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 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.

Compare Rates and Save on Auto Insurance

Cheapest and Best Car Insurance Companies in Rancho Cucamonga, CA

Compare Rates

On This Page:

Cheapest Minimum Liability Car Insurance in Rancho Cucamonga

Cheapest Full Coverage Car Insurance in Rancho Cucamonga

Cheapest Car Insurance in Rancho Cucamonga After a Driving Offense

Cheapest Car Insurance in Rancho Cucamonga for Teens and Their Families

Cheapest Car Insurance in Rancho Cucamonga for Military Drivers

How to Compare Cheap Rancho Cucamonga Car Insurance Quotes Online

Best Car Insurance in Rancho Cucamonga: Summary

Best Overall Car Insurance in Rancho Cucamonga

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Rancho Cucamonga for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Rancho Cucamonga

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Rancho Cucamonga