Cheapest and Best Car Insurance Companies in Rialto, CA

The most affordable auto insurer for you might vary based on your specific needs and driver profile. MoneyGeek found that GEICO provides Rialto’s cheapest minimum coverage car insurance, while Progressive offers the least expensive full coverage policy. Drivers with a speeding ticket or DUI on their records may get the lowest rates from National General, whereas those with at-fault accidents may fare best with Capital Insurance Group.

If you want a balance of affordability and service quality in Rialto, Capital Insurance Group is our top choice for the best overall car insurance company. Chubb is the best for customer service, and GEICO is the best for cheap car insurance.

In Rialto, the following auto insurance companies offer the cheapest minimum coverage policies:

• GEICO: $436 per year
• Mercury: $453 per year

Among Rialto's minimum coverage insurers, Chubb is the most expensive at $901 per year as of October 2022.

California drivers are required to carry car insurance that covers bodily injury liability and property damage liability with at least the following limits:

• $15,000 per person in bodily injury liability
• $30,000 per accident in bodily injury liability
• $5,000 per accident in property damage liability

Liability-only coverage pays for damages sustained in accidents by the other driver and any passengers. Suppose you're at fault in an accident and have minimum coverage. Your insurance provider will only cover medical costs up to $15,000 per individual, for a maximum of $30,000 per accident.

Rialto’s cheapest full coverage car insurance providers are:

• Progressive: $1,118 per year
• GEICO: $1,163 per year

Chubb’s full coverage rate is the most expensive, averaging $2,141 per year as of October 2022.

Full coverage policies include comprehensive and collision insurance.

• Collision Insurance: Covers the cost of repairing or replacing your car if it's damaged after colliding with another vehicle or object.
• Comprehensive Insurance: Pays to repair or replace your car if it’s damaged in a non-accident incident like weather-related events, a break-in or vandalism.

If your vehicle is older, a full coverage policy may not be cost-effective as it may cost more than what the vehicle is worth.

If you have the following driving violations, these auto insurers offer the least expensive full coverage policies in Rialto:

• Speeding ticket: National General ($1,269 per year)
• At-fault accident: Capital Insurance Group ($1,628 per year)
• DUI: National General ($1,269 per year)

Among Rialto insurance companies, Chubb provides the most expensive full coverage policy after a speeding ticket ($2,817) or an at-fault accident ($3,466). Meanwhile, Hartford offers the highest rates after a DUI at roughly $5,390 per year. A violation on your record can significantly impact your premiums, making even the cheapest rates higher than those for drivers with clean records.

Auto insurance rates generally increase in relation to the driving violation’s severity. For instance, a Rialto driver with a DUI will pay $1,408 more on average for a full coverage policy than a driver with a speeding ticket. Fortunately, it’s possible to get affordable car insurance with a bad driving record.

In Rialto, the following companies offer the lowest car insurance rates for 16-year-old drivers on family policies:

• Farmers: $3,064 per year
• State Farm: $3,070 per year

At $5,238 per year, Nationwide is the most expensive for adding a male or female teen to an auto policy. Car insurance rates for male teens are often higher since they are considered riskier to insure than female teens. But in some cases — like with our winner and runner-up — rates don’t differ by gender.

Car insurance rates tend to be higher for teens buying separate coverage, so it’s wiser to add them to a family policy to save on premiums. In Rialto, a 16-year-old male driver may pay $673 more for an individual policy than a family policy. As always, shopping around is key to finding the cheapest car insurance for teens.

These companies in Rialto provide the most affordable car insurance for drivers with military backgrounds:

• USAA: $913 per year
• Progressive: $1,118 per year

These rates are for a full coverage policy. If you choose minimum coverage, USAA is still the cheapest company at an average of $387 per year, whereas GEICO becomes the second-cheapest option at $436 per year.

Getting a car insurance quote online from a single company can take 15 minutes or more because you must submit various personal details. You can save time and effort by using MoneyGeek’s car insurance calculator. Simply provide your age, vehicle type, coverage level and driving record to get a quick rough estimate of your rates.

Your best option for car insurance will depend on how much importance you place on cost, service quality, coverage and other factors. Depending on your specific needs, the best companies in Rialto are:

• Best overall: Capital Insurance Group (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)

A company’s MoneyGeek score can change based on how we weigh factors in each category. AAA California is the best car insurance company in California, indicating that your location can greatly affect your car insurance options.

USAA is also a highly recommended company for drivers with a military background, with a MoneyGeek score of 85 out of 100.

After weighing service quality, affordability and other factors, we discovered that the best car insurance companies in Rialto are:

• Capital Insurance Group: MoneyGeek score of 74 out of 100 ($1,385 per year)
• Progressive: MoneyGeek score of 74 out of 100 ($1,118 per year)

Although both companies have similar MoneyGeek scores, Capital Insurance Group has higher ratings in customer satisfaction and claims management than Progressive, ultimately making it our top pick for the best overall auto insurer in Rialto.

For those with a military background, USAA is another excellent choice for car insurance, earning a MoneyGeek score of 85 out of 100.

If you are looking for excellent customer service regardless of cost, the following auto insurers are the top options in Rialto:

• Chubb: MoneyGeek score of 76 out of 100 ($2,141 per year)
• Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,385 per year)

Chubb ranked the highest in our study because of its above-average ratings in customer satisfaction and claims management. That said, expect to pay a high price for the company’s top-notch service.

After examining the costs and service quality of policies that only meet California’s minimum coverage requirements, MoneyGeek identified the following as the best cheap car insurance providers in Rialto:

• GEICO: MoneyGeek score of 78 out of 100 ($436 per year)
• Progressive: MoneyGeek score of 74 out of 100 ($474 per year)

While minimum coverage policies have the lowest rates, they provide little coverage against liability costs and no protection against damages to your own car in case of an accident.

In Rialto, the average cost of car insurance is $1,391 per year, which is $4 more expensive than the average cost of car insurance in California and $126 higher than the national average of $1,265 per year as of October 2022. Where you live significantly influences how much you'll pay for coverage.

Note that these average rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.