bestauto insuranceRialtoCompare the Cheapest Car Insurance Quotes in Rialto, CA
Compare Rates
Ensure you're getting the best rate. Review quotes from a top insurance company.
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.
bestauto insuranceRialtoThe Cheapest and Best Car Insurance in Rialto
Cheapest Overall - Esurance
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
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
- Company100/300/100per year
- 1.$1,055
- 2.$1,107
- 3.$1,237
- 4.$1,303
- 5.$1,329
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.
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
- CompanyState Minimumper year
- 1.$436
- 2.$509
- 3.$545
- 4.$551
- 5.$568
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
- ItemDescription
- 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.
The Best Car Insurance Companies in Rialto
MoneyGeek found the top two auto insurance providers in Rialto, California, based on pricing, financial stability, claims and customer satisfaction. The best insurers are:
- Esurance: 91 out of 100
- AAA: 81 out of 100
With a MoneyGeek score of 94 out of 100, USAA is ranked the highest. However, we did not include it in our research because it only caters to military families.
1
Esurance
Score:91
MoneyGeek gave Rialto’s Esurance excellent ratings in most categories, including affordability and satisfaction but ranked lower in claims. Policyholders pay roughly $1,055 per year for full coverage, and the insurer offers custom parts and equipment coverage.
More About Esurance
Custom parts and equipment coverage from Esurance in Rialto protects your car's aftermarket upgrades, which might be advantageous given that your standard collision and comprehensive coverage may not cover extra items not installed by the manufacturer.
Esurance also provides gap insurance, which can pay up to 25% more than your vehicle's real cash value to help you pay off your lease or loan. In addition, it provides ridesharing insurance, roadside assistance, rental vehicle reimbursement and/or trip reimbursement.
Read MoneyGeek's Esurance auto Insurance Review2
AAA
Score:81
AAA in Rialto scored well in claims and satisfaction but lower in affordability. Its average full-coverage price is $1,303 per year. This insurer helps protect against identity fraud through identity theft coverage.
More About AAA
AAA provides built-in identity theft protection that helps in detecting early fraud symptoms. If you are a victim of identity theft, agents will be dispatched to assist you.
Roadside assistance in Rialto is another AAA membership benefit that helps cover fuel delivery, jump-starting a battery, fixing flat tires, trip continuation and car lockout service.
An add-on car rental reimbursement coverage is also available. This additional coverage covers vehicle rental or public transit expenses up to your policy limit if your vehicle is not in a drivable state or is in the repair shop following a covered loss.
Read MoneyGeek's AAA auto Insurance Review3
GEICO
Score:74
4
Mercury
Score:68
5
Progressive
Score:68
6
State Farm
Score:67
7
MetLife
Score:61
8
Allstate
Score:55
9
Travelers
Score:52
10
Farmers
Score:41
11
Hartford
Score:31
12
Allied
Score:23
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 CodeState 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.
About Mark Fitzpatrick
