Compare the Cheapest Car Insurance Quotes in Rialto

Rialto's average auto insurance cost is $1,442 annually, which is more expensive than the state average. With an average annual cost of $1,055, Esurance offers the cheapest coverage. MoneyGeek analyzed the cheapest insurers by coverage amounts and driving history. We've also recommended the best insurers if you're focused on quality as well as cost.

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Insurance Rates

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Last Updated: 5/16/2022
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While Esurance offers the most affordable coverage, the cheapest option might be different depending on your elected coverage and profile.

In Rialto, Progressive offers the cheapest state-minimum policy, while Esurance is the best option for drivers with speeding tickets.

For military families, USAA could offer the best coverage.

MoneyGeek determined AAA to be the best company balancing cost and service.

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The Cheapest and Best Car Insurance in Rialto

The Cheapest Car Insurance Companies in Rialto

On average, MoneyGeek found out that the following companies could be the best options for drivers looking for cheap car insurance in Rialto:

  • Esurance: $1,055 per year
  • Progressive: $1,237 per year

If you have a military background, you can benefit the most from USAA’s policies. It’s the second-cheapest company in the city with an average annual cost of $1,107 per year.

Esurance is the most affordable auto insurance company in Rialto and its policies cost an average of $62.4% less than Travelers, which is the most expensive company in the city. Both comprehensive and collision insurance are included in a full coverage policy. That said, your costs depend on how much liability insurance you add to your policy.

Cheapest Car Insurance in Rialto
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,055
  • 2.
    USAA
    $1,107
  • 3.
    Progressive
    $1,237
  • 4.
    AAA
    $1,303
  • 5.
    GEICO
    $1,329
  • 6.
    Mercury
    $1,373
  • 7.
    MetLife
    $1,426
  • 8.
    Allstate
    $1,435
  • 9.
    State Farm
    $1,472
  • 10.
    Hartford
    $1,593
  • 11.
    Farmers
    $1,657
  • 12.
    Allied
    $1,708
  • 13.
    Travelers
    $1,713

For this guide, MoneyGeek researched average rates for a 40-year-old male driver in Rialto with a full coverage policy, in accordance with our methodology.

While a full coverage policy costs more than minimum coverage, it also includes comprehensive and collision insurance. These protect you against the cost of damage to your vehicle in case of an accident.

  • Comprehensive Coverage: This covers the repair or replacement cost of your vehicle if it’s damaged in an incident.
  • Collision Coverage: This protects you against the cost of vehicle damage in case of an at-fault accident.

With an older car, it’s better not to opt for a full coverage policy because you may end up paying more than the actual value of the car. Instead, a minimum coverage policy or liability only insurance can help you get the most affordable rates.

Compare Car Insurance Rates in Rialto

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

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Insurance Rates

Cheapest Car Insurance in Rialto for Minimum Coverage

If you’re looking for cheap car insurance in Rialto, buying a minimum coverage policy is the best option. On average, MoneyGeek’s research shows that the following companies offer the cheapest minimum coverage policy in the city:

  • Progressive: $509 per year
  • Esurance: $545 per year

For military families, USAA is the cheapest option at an average cost of $436 per year.

The cheapest minimum coverage policy is offered by Progressive. It costs an average of $337 less than the policies offered by Farmers, which is the most expensive company in the city.

While buying a minimum coverage policy will reduce your monthly insurance costs, it won’t provide you full coverage as it doesn’t include comprehensive and collision insurance. It also has low levels of liability coverage. Toggle the table below to see how much higher liability coverage costs.

Cheapest Minimum Liability Car Insurance in Rialto
State Minimum

In California, every driver is required to have an auto insurance policy with at least 15/30/5 in liability limits. While a minimum coverage policy in California will cut down your insurance costs, you may end up paying more out of pocket in case of an accident.

For example, If you’re involved in an at-fault accident and the medical bills exceed $30,000, you will have to cover the remaining cost yourself. This means you may end up paying far more in extra expenses than you would have paid in premiums for a more robust policy.

California Minimum Liability Requirements

  • Item
    Description
  • 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 Rialto if You Have Driving Violations

MoneyGeek found that drivers with violations like a speeding ticket, DUI or an at-fault accident on their record could receive more expensive car insurance quotes in Rialto. We found the cheapest companies, on average, for various types of violations:

  • Cheapest after a speeding ticket: Esurance at $1,337 per year
  • Cheapest after an at-fault accident: Esurance at $1,654 per year
  • Cheapest after a DUI: Mercury at $2,250 per year

If you’re from a military family and have a speeding ticket on your record, you would benefit the most from USAA’s policies.

Drivers with a poor driving record can find cheaper rates by improving their records over time. In the meantime, it’s best to shop around and compare quotes to find an affordable policy that meets their needs.

Cheapest Car Insurance in Rialto With a Violation
Speeding Ticket

Average Cost of Car Insurance in Rialto

Rialto$1,442
California$1,429
U.S.$1,424

The average cost of insuring a car in Rialto is $1,442 per year, which is higher than the national average. A driver in Rialto pays approximately 0.9% more than the state average and 1.3% more than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Rialto

MoneyGeek found that factors like age, gender, make and model of vehicle, coverage level and ZIP code have a significant impact on car insurance quotes in Rialto. While looking for a policy, it’s best to shop around and compare quotes to find coverage that fits your needs.

Compare Car Insurance Rates in Rialto

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

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Insurance Rates

The Best Car Insurance Companies in Rialto

MoneyGeek researched the best auto insurance companies in Rialto for drivers looking for a balance of affordability and service quality. The top-ranking companies are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

For drivers with a military background, USAA offers the best policies in the city.

We considered various factors while ranking these companies, such as J.D. Power’s customer satisfaction, affordability and financial stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

The insurance companies in California also consider your location before giving you an auto insurance quote in Rialto. If you live in an area with a high theft rate, a high number of accidents or many uninsured motorists, you could pay significantly more for a policy as the insurer will consider you riskier to cover.

MoneyGeek’s data shows that people living in the 92376 neighborhood pay an average of $59 more than someone living in the 92377 ZIP code.

  • Zip Code
    State Minimumper year
  • 92377
    $1,412
  • 92376
    $1,471

Factors That Impact Insurance Costs in Rialto

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 Rialto. How Rialto 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 Fatalities188th/300
handcuffs2 icon
Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall241st/300
umbrella icon
Most Rainy Days253rd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Rialto 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.

About the Author


expert-profile

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.