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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.

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2023

Cheapest and Best Car Insurance in Rialto, CA

Cheapest Minimum Liability Car Insurance in Rialto

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.

Company
Annual Premium
Monthly Premium

GEICO

$431

$36

State Farm

$432

$36

GEICO

$436

$36

Mercury

$453

$38

Mercury

$465

$39

Progressive

$474

$39

Progressive

$484

$40

Kemper

$491

$41

AAA California

$502

$42

GEICO

$515

$43

AAA California

$523

$44

Travelers

$544

$45

Travelers

$544

$45

Nationwide

$549

$46

Kemper

$564

$47

Progressive

$565

$47

Nationwide

$570

$48

State Farm

$570

$48

Mercury

$573

$48

Hartford

$583

$49

State National

$608

$51

Farmers

$615

$51

Travelers

$619

$52

Capital Insurance Group

$624

$52

State National

$627

$52

Farmers

$631

$53

AAA California

$642

$54

Allstate

$643

$54

Capital Insurance Group

$647

$54

Allstate

$651

$54

State Farm

$652

$54

Hartford

$671

$56

Allstate

$699

$58

Nationwide

$714

$59

National General

$715

$60

Farmers

$716

$60

Capital Insurance Group

$723

$60

National General

$737

$61

State National

$738

$62

Kemper

$749

$62

Hartford

$880

$73

National General

$885

$74

Chubb

$901

$75

Chubb

$929

$77

State Farm

$1,040

$87

Progressive

$1,118

$93

Progressive

$1,124

$94

GEICO

$1,125

$94

Mercury

$1,146

$96

GEICO

$1,163

$97

Mercury

$1,172

$98

AAA California

$1,201

$100

National General

$1,208

$101

Allstate

$1,211

$101

National General

$1,226

$102

AAA California

$1,228

$102

Nationwide

$1,267

$106

Hartford

$1,280

$107

Allstate

$1,281

$107

Chubb

$1,301

$108

Capital Insurance Group

$1,307

$109

State Farm

$1,333

$111

GEICO

$1,344

$112

Progressive

$1,350

$113

Nationwide

$1,374

$115

State National

$1,384

$115

Capital Insurance Group

$1,385

$115

Kemper

$1,415

$118

Allstate

$1,420

$118

National General

$1,468

$122

Hartford

$1,474

$123

State National

$1,491

$124

Travelers

$1,504

$125

Mercury

$1,529

$127

State Farm

$1,557

$130

Capital Insurance Group

$1,559

$130

Travelers

$1,580

$132

AAA California

$1,617

$135

Farmers

$1,625

$135

Farmers

$1,668

$139

Kemper

$1,749

$146

Nationwide

$1,784

$149

State National

$1,835

$153

Travelers

$1,883

$157

Hartford

$1,924

$160

Farmers

$1,972

$164

Kemper

$2,110

$176

Chubb

$2,141

$178

Chubb

$2,209

$184

Chubb

$3,156

$263

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.

Cheapest Full Coverage Car Insurance in Rialto

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.

Company
Annual Premium
Monthly Premium

GEICO

$431

$36

State Farm

$432

$36

GEICO

$436

$36

Mercury

$453

$38

Mercury

$465

$39

Progressive

$474

$39

Progressive

$484

$40

Kemper

$491

$41

AAA California

$502

$42

GEICO

$515

$43

AAA California

$523

$44

Travelers

$544

$45

Travelers

$544

$45

Nationwide

$549

$46

Kemper

$564

$47

Progressive

$565

$47

Nationwide

$570

$48

State Farm

$570

$48

Mercury

$573

$48

Hartford

$583

$49

State National

$608

$51

Farmers

$615

$51

Travelers

$619

$52

Capital Insurance Group

$624

$52

State National

$627

$52

Farmers

$631

$53

AAA California

$642

$54

Allstate

$643

$54

Capital Insurance Group

$647

$54

Allstate

$651

$54

State Farm

$652

$54

Hartford

$671

$56

Allstate

$699

$58

Nationwide

$714

$59

National General

$715

$60

Farmers

$716

$60

Capital Insurance Group

$723

$60

National General

$737

$61

State National

$738

$62

Kemper

$749

$62

Hartford

$880

$73

National General

$885

$74

Chubb

$901

$75

Chubb

$929

$77

State Farm

$1,040

$87

Progressive

$1,118

$93

Progressive

$1,124

$94

GEICO

$1,125

$94

Mercury

$1,146

$96

GEICO

$1,163

$97

Mercury

$1,172

$98

AAA California

$1,201

$100

National General

$1,208

$101

Allstate

$1,211

$101

National General

$1,226

$102

AAA California

$1,228

$102

Nationwide

$1,267

$106

Hartford

$1,280

$107

Allstate

$1,281

$107

Chubb

$1,301

$108

Capital Insurance Group

$1,307

$109

State Farm

$1,333

$111

GEICO

$1,344

$112

Progressive

$1,350

$113

Nationwide

$1,374

$115

State National

$1,384

$115

Capital Insurance Group

$1,385

$115

Kemper

$1,415

$118

Allstate

$1,420

$118

National General

$1,468

$122

Hartford

$1,474

$123

State National

$1,491

$124

Travelers

$1,504

$125

Mercury

$1,529

$127

State Farm

$1,557

$130

Capital Insurance Group

$1,559

$130

Travelers

$1,580

$132

AAA California

$1,617

$135

Farmers

$1,625

$135

Farmers

$1,668

$139

Kemper

$1,749

$146

Nationwide

$1,784

$149

State National

$1,835

$153

Travelers

$1,883

$157

Hartford

$1,924

$160

Farmers

$1,972

$164

Kemper

$2,110

$176

Chubb

$2,141

$178

Chubb

$2,209

$184

Chubb

$3,156

$263

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.

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Cheapest Car Insurance in Rialto After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

Mercury

$582

$49

Mercury

$598

$50

Kemper

$650

$54

State Farm

$656

$55

GEICO

$659

$55

GEICO

$666

$55

AAA California

$668

$56

State Farm

$685

$57

Capital Insurance Group

$690

$58

AAA California

$698

$58

Capital Insurance Group

$715

$60

Capital Insurance Group

$722

$60

Mercury

$728

$61

Mercury

$740

$62

Capital Insurance Group

$748

$62

Mercury

$749

$62

Kemper

$750

$62

National General

$757

$63

National General

$757

$63

GEICO

$770

$64

GEICO

$779

$65

National General

$780

$65

National General

$780

$65

GEICO

$785

$65

AAA California

$799

$67

Capital Insurance Group

$804

$67

Mercury

$812

$68

AAA California

$834

$69

Mercury

$834

$70

Travelers

$836

$70

Travelers

$836

$70

Hartford

$839

$70

Hartford

$839

$70

Farmers

$841

$70

Farmers

$841

$70

Capital Insurance Group

$841

$70

Nationwide

$849

$71

Progressive

$853

$71

AAA California

$859

$72

Farmers

$861

$72

Farmers

$861

$72

State National

$862

$72

State National

$862

$72

State Farm

$867

$72

Progressive

$876

$73

Nationwide

$881

$73

State National

$888

$74

State National

$888

$74

Allstate

$897

$75

State Farm

$905

$75

Allstate

$908

$76

GEICO

$920

$77

Mercury

$925

$77

Travelers

$931

$78

Travelers

$932

$78

National General

$936

$78

National General

$936

$78

Progressive

$944

$79

Nationwide

$945

$79

Travelers

$960

$80

Progressive

$970

$81

Farmers

$979

$82

Farmers

$979

$82

Hartford

$979

$82

Hartford

$979

$82

Allstate

$981

$82

Nationwide

$981

$82

State Farm

$989

$82

Kemper

$997

$83

AAA California

$1,027

$86

Progressive

$1,030

$86

Mercury

$1,032

$86

Allstate

$1,033

$86

State Farm

$1,034

$86

Progressive

$1,040

$87

Allstate

$1,046

$87

Farmers

$1,050

$87

State National

$1,050

$88

State National

$1,050

$88

GEICO

$1,054

$88

GEICO

$1,066

$89

Travelers

$1,070

$89

Progressive

$1,073

$89

Farmers

$1,076

$90

National General

$1,078

$90

Capital Insurance Group

$1,082

$90

Kemper

$1,102

$92

Kemper

$1,102

$92

Nationwide

$1,108

$92

National General

$1,113

$93

Travelers

$1,120

$93

Travelers

$1,121

$93

Capital Insurance Group

$1,122

$94

Allstate

$1,132

$94

Progressive

$1,143

$95

Chubb

$1,165

$97

Chubb

$1,194

$99

Farmers

$1,222

$102

Nationwide

$1,236

$103

GEICO

$1,260

$105

Capital Insurance Group

$1,262

$105

Progressive

$1,264

$105

National General

$1,269

$106

National General

$1,269

$106

National General

$1,288

$107

National General

$1,288

$107

Travelers

$1,296

$108

Hartford

$1,316

$110

Hartford

$1,316

$110

Kemper

$1,338

$111

Kemper

$1,338

$111

National General

$1,339

$112

State Farm

$1,351

$113

Chubb

$1,421

$118

Chubb

$1,450

$121

Capital Insurance Group

$1,494

$125

Nationwide

$1,500

$125

Mercury

$1,512

$126

Capital Insurance Group

$1,533

$128

State Farm

$1,539

$128

National General

$1,543

$129

National General

$1,543

$129

Mercury

$1,549

$129

AAA California

$1,552

$129

Nationwide

$1,558

$130

State National

$1,558

$130

Chubb

$1,565

$130

AAA California

$1,586

$132

Capital Insurance Group

$1,589

$132

State National

$1,607

$134

State Farm

$1,612

$134

Capital Insurance Group

$1,628

$136

GEICO

$1,688

$141

Kemper

$1,694

$141

Kemper

$1,694

$141

AAA California

$1,729

$144

GEICO

$1,745

$145

Allstate

$1,762

$147

State Farm

$1,786

$149

Capital Insurance Group

$1,791

$149

National General

$1,794

$150

AAA California

$1,805

$150

Chubb

$1,822

$152

National General

$1,822

$152

AAA California

$1,827

$152

Capital Insurance Group

$1,836

$153

Chubb

$1,847

$154

AAA California

$1,848

$154

Allstate

$1,855

$155

Allstate

$1,869

$156

Chubb

$1,875

$156

Kemper

$1,878

$156

Allstate

$1,883

$157

GEICO

$1,885

$157

Mercury

$1,891

$158

Hartford

$1,908

$159

Hartford

$1,908

$159

State National

$1,910

$159

Mercury

$1,938

$162

GEICO

$1,945

$162

Nationwide

$1,962

$163

State National

$1,967

$164

State National

$1,967

$164

Nationwide

$1,969

$164

State Farm

$1,978

$165

GEICO

$2,017

$168

Hartford

$2,018

$168

Mercury

$2,022

$169

Mercury

$2,026

$169

State Farm

$2,038

$170

Allstate

$2,042

$170

Mercury

$2,065

$172

State Farm

$2,069

$172

Allstate

$2,080

$173

AAA California

$2,093

$174

Progressive

$2,114

$176

State National

$2,120

$177

State National

$2,120

$177

Progressive

$2,127

$177

Nationwide

$2,132

$178

Nationwide

$2,185

$182

National General

$2,185

$182

Allstate

$2,196

$183

Hartford

$2,211

$184

Hartford

$2,211

$184

AAA California

$2,234

$186

Farmers

$2,246

$187

Farmers

$2,246

$187

Chubb

$2,248

$187

GEICO

$2,250

$188

Travelers

$2,282

$190

Farmers

$2,307

$192

Farmers

$2,307

$192

State Farm

$2,307

$192

Progressive

$2,307

$192

Kemper

$2,322

$194

Progressive

$2,325

$194

Capital Insurance Group

$2,339

$195

Allstate

$2,341

$195

Nationwide

$2,377

$198

Travelers

$2,392

$199

Hartford

$2,395

$200

State Farm

$2,415

$201

AAA California

$2,445

$204

Capital Insurance Group

$2,483

$207

Mercury

$2,533

$211

Travelers

$2,540

$212

Progressive

$2,565

$214

State National

$2,612

$218

State National

$2,612

$218

Allstate

$2,615

$218

Progressive

$2,645

$220

Travelers

$2,656

$221

Progressive

$2,670

$222

GEICO

$2,696

$225

Mercury

$2,697

$225

Farmers

$2,729

$227

Farmers

$2,729

$227

Nationwide

$2,776

$231

GEICO

$2,785

$232

Capital Insurance Group

$2,802

$234

Progressive

$2,804

$234

Kemper

$2,805

$234

Farmers

$2,807

$234

Chubb

$2,817

$235

Travelers

$2,872

$239

Farmers

$2,883

$240

Chubb

$2,886

$240

Hartford

$2,913

$243

Hartford

$2,913

$243

Kemper

$3,096

$258

Kemper

$3,096

$258

Nationwide

$3,100

$258

Travelers

$3,182

$265

State Farm

$3,189

$266

Travelers

$3,197

$266

Progressive

$3,220

$268

GEICO

$3,223

$269

Hartford

$3,308

$276

Travelers

$3,345

$279

Farmers

$3,411

$284

Chubb

$3,466

$289

Nationwide

$3,476

$290

Chubb

$3,534

$294

State National

$3,668

$306

AAA California

$3,720

$310

AAA California

$3,782

$315

Nationwide

$3,785

$315

Chubb

$3,833

$319

Allstate

$3,858

$321

Kemper

$3,930

$328

Kemper

$3,930

$328

State National

$3,961

$330

Travelers

$4,047

$337

State Farm

$4,097

$341

Allstate

$4,110

$342

Chubb

$4,489

$374

Chubb

$4,550

$379

Allstate

$4,588

$382

Hartford

$4,606

$384

Chubb

$4,621

$385

Kemper

$4,635

$386

Kemper

$4,635

$386

State Farm

$4,779

$398

State National

$4,897

$408

Nationwide

$4,954

$413

AAA California

$5,001

$417

Hartford

$5,390

$449

Chubb

$5,576

$465

Hartford

$7,228

$602

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.

Cheapest Car Insurance in Rialto for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,504

$2,417

GEICO

$1,539

$2,474

GEICO

$1,542

$2,725

GEICO

$1,559

$2,599

GEICO

$1,577

$2,534

GEICO

$1,585

$2,801

GEICO

$1,608

$2,960

GEICO

$1,628

$2,877

Progressive

$1,751

$2,812

Progressive

$1,751

$2,812

Capital Insurance Group

$1,761

$2,256

Capital Insurance Group

$1,761

$2,256

GEICO

$1,786

$2,669

Nationwide

$1,821

$3,776

Nationwide

$1,821

$3,776

Kemper

$1,843

$3,691

Kemper

$1,843

$3,691

GEICO

$1,845

$3,049

Allstate

$1,875

$3,057

Allstate

$1,875

$3,057

Progressive

$1,896

$3,044

Progressive

$1,896

$3,044

Kemper

$1,946

$3,897

Kemper

$1,946

$3,897

Allstate

$1,963

$3,201

Allstate

$1,963

$3,201

Nationwide

$1,996

$4,140

Nationwide

$1,996

$4,140

Capital Insurance Group

$2,004

$2,673

Capital Insurance Group

$2,004

$2,673

Allstate

$2,013

$3,556

Allstate

$2,013

$3,556

Progressive

$2,028

$3,761

Progressive

$2,028

$3,761

Allstate

$2,033

$3,315

Allstate

$2,033

$3,315

Kemper

$2,048

$4,583

Kemper

$2,048

$4,583

Nationwide

$2,060

$4,735

Nationwide

$2,060

$4,735

Capital Insurance Group

$2,086

$2,673

Capital Insurance Group

$2,086

$2,673

Capital Insurance Group

$2,086

$2,673

Capital Insurance Group

$2,086

$2,673

Farmers

$2,098

$3,002

Farmers

$2,098

$3,002

Kemper

$2,117

$4,239

Kemper

$2,117

$4,239

State Farm

$2,120

$3,105

State Farm

$2,120

$3,105

Progressive

$2,124

$3,410

Progressive

$2,124

$3,410

Nationwide

$2,140

$4,437

Nationwide

$2,140

$4,437

Allstate

$2,158

$3,572

Allstate

$2,158

$3,572

State Farm

$2,205

$3,229

State Farm

$2,205

$3,229

State Farm

$2,243

$3,504

State Farm

$2,243

$3,504

State Farm

$2,256

$3,304

State Farm

$2,256

$3,304

Travelers

$2,284

$3,114

Travelers

$2,284

$3,114

GEICO

$2,298

$3,880

Capital Insurance Group

$2,328

$3,007

Capital Insurance Group

$2,328

$3,007

Farmers

$2,350

$3,481

Farmers

$2,350

$3,481

Travelers

$2,364

$3,223

Travelers

$2,364

$3,223

Kemper

$2,373

$4,859

Kemper

$2,373

$4,859

GEICO

$2,389

$4,475

State Farm

$2,403

$3,572

State Farm

$2,403

$3,572

Nationwide

$2,411

$5,190

Nationwide

$2,411

$5,190

Travelers

$2,412

$3,459

Travelers

$2,412

$3,459

Capital Insurance Group

$2,413

$3,007

Capital Insurance Group

$2,413

$3,007

Farmers

$2,434

$3,481

Farmers

$2,434

$3,481

Farmers

$2,434

$3,481

Farmers

$2,434

$3,481

Travelers

$2,464

$3,359

Travelers

$2,464

$3,359

Allstate

$2,474

$4,553

Allstate

$2,474

$4,553

GEICO

$2,514

$3,758

Allstate

$2,515

$4,163

Allstate

$2,515

$4,163

Progressive

$2,516

$4,125

Progressive

$2,516

$4,125

State Farm

$2,552

$3,978

State Farm

$2,552

$3,978

Kemper

$2,570

$5,263

Kemper

$2,570

$5,263

State Farm

$2,575

$3,827

State Farm

$2,575

$3,827

Capital Insurance Group

$2,584

$3,338

Capital Insurance Group

$2,584

$3,338

Kemper

$2,592

$5,802

Kemper

$2,592

$5,802

GEICO

$2,614

$4,320

Farmers

$2,628

$3,992

Farmers

$2,628

$3,992

Travelers

$2,691

$3,630

Travelers

$2,691

$3,630

State Farm

$2,835

$5,044

State Farm

$2,835

$5,044

Farmers

$2,841

$4,597

Farmers

$2,841

$4,597

Farmers

$2,867

$4,354

Farmers

$2,867

$4,354

Travelers

$2,920

$4,189

Travelers

$2,920

$4,189

Travelers

$2,965

$4,001

Travelers

$2,965

$4,001

Nationwide

$2,971

$7,175

Nationwide

$2,971

$7,175

Farmers

$2,991

$5,923

Farmers

$2,991

$5,923

State Farm

$3,006

$5,347

State Farm

$3,006

$5,347

Farmers

$3,064

$6,195

Farmers

$3,064

$6,195

State Farm

$3,070

$5,992

State Farm

$3,070

$5,992

Farmers

$3,074

$6,088

Farmers

$3,074

$6,088

Progressive

$3,136

$5,838

Progressive

$3,136

$5,838

Nationwide

$3,169

$6,823

Nationwide

$3,169

$6,823

GEICO

$3,175

$5,611

Allstate

$3,302

$6,546

Allstate

$3,302

$6,546

Capital Insurance Group

$3,317

$4,131

Capital Insurance Group

$3,317

$4,131

Capital Insurance Group

$3,317

$4,131

Capital Insurance Group

$3,317

$4,131

Capital Insurance Group

$3,317

$4,131

Capital Insurance Group

$3,317

$4,131

GEICO

$3,328

$6,522

Progressive

$3,333

$5,466

Progressive

$3,333

$5,466

GEICO

$3,404

$6,265

Allstate

$3,419

$6,896

Allstate

$3,419

$6,896

Allstate

$3,478

$6,896

Allstate

$3,478

$6,896

GEICO

$3,491

$6,170

GEICO

$3,588

$7,373

Progressive

$3,619

$7,422

Progressive

$3,619

$7,422

Progressive

$3,642

$7,487

Progressive

$3,642

$7,487

Progressive

$3,657

$7,499

Progressive

$3,657

$7,499

GEICO

$3,675

$7,202

Travelers

$3,903

$5,281

Travelers

$3,903

$5,281

Kemper

$3,910

$7,922

Kemper

$3,910

$7,922

Travelers

$4,077

$5,517

Travelers

$4,077

$5,517

Travelers

$4,086

$5,790

Travelers

$4,086

$5,790

Kemper

$4,283

$8,679

Kemper

$4,283

$8,679

Kemper

$4,323

$9,674

Kemper

$4,323

$9,674

Nationwide

$4,513

$9,701

Nationwide

$4,513

$9,701

Nationwide

$5,075

$10,907

Nationwide

$5,075

$10,907

Nationwide

$5,238

$13,164

Nationwide

$5,238

$13,164

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.

Cheapest Car Insurance in Rialto for Military Drivers

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.

Company
Annual Premium
Monthly Premium

USAA

$387

$32

USAA

$387

$32

GEICO

$431

$36

State Farm

$432

$36

GEICO

$436

$36

Mercury

$453

$38

Mercury

$465

$39

USAA

$466

$39

Progressive

$474

$39

Progressive

$484

$40

Kemper

$491

$41

AAA California

$502

$42

GEICO

$515

$43

AAA California

$523

$44

Travelers

$544

$45

Travelers

$544

$45

Nationwide

$549

$46

Kemper

$564

$47

Progressive

$565

$47

Nationwide

$570

$48

State Farm

$570

$48

Mercury

$573

$48

Hartford

$583

$49

State National

$608

$51

Farmers

$615

$51

Travelers

$619

$52

Capital Insurance Group

$624

$52

State National

$627

$52

Farmers

$631

$53

AAA California

$642

$54

Allstate

$643

$54

Capital Insurance Group

$647

$54

Allstate

$651

$54

State Farm

$652

$54

Hartford

$671

$56

Allstate

$699

$58

Nationwide

$714

$59

National General

$715

$60

Farmers

$716

$60

Capital Insurance Group

$723

$60

National General

$737

$61

State National

$738

$62

Kemper

$749

$62

Hartford

$880

$73

National General

$885

$74

USAA

$891

$74

Chubb

$901

$75

USAA

$913

$76

Chubb

$929

$77

State Farm

$1,040

$87

USAA

$1,091

$91

Progressive

$1,118

$93

Progressive

$1,124

$94

GEICO

$1,125

$94

Mercury

$1,146

$96

GEICO

$1,163

$97

Mercury

$1,172

$98

AAA California

$1,201

$100

National General

$1,208

$101

Allstate

$1,211

$101

National General

$1,226

$102

AAA California

$1,228

$102

Nationwide

$1,267

$106

Hartford

$1,280

$107

Allstate

$1,281

$107

Chubb

$1,301

$108

Capital Insurance Group

$1,307

$109

State Farm

$1,333

$111

GEICO

$1,344

$112

Progressive

$1,350

$113

Nationwide

$1,374

$115

State National

$1,384

$115

Capital Insurance Group

$1,385

$115

Kemper

$1,415

$118

Allstate

$1,420

$118

National General

$1,468

$122

Hartford

$1,474

$123

State National

$1,491

$124

Travelers

$1,504

$125

Mercury

$1,529

$127

State Farm

$1,557

$130

Capital Insurance Group

$1,559

$130

Travelers

$1,580

$132

AAA California

$1,617

$135

Farmers

$1,625

$135

Farmers

$1,668

$139

Kemper

$1,749

$146

Nationwide

$1,784

$149

State National

$1,835

$153

Travelers

$1,883

$157

Hartford

$1,924

$160

Farmers

$1,972

$164

Kemper

$2,110

$176

Chubb

$2,141

$178

Chubb

$2,209

$184

Chubb

$3,156

$263

How to Compare Cheap Rialto Car Insurance Quotes Online

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.

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Best Car Insurance in Rialto: Summary

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.

Best Overall Car Insurance in Rialto

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.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

Above-average affordability and customer satisfaction ratings

Offers valuable coverages like custom parts coverage

cons

Limited options for add-on coverages

Lacks rental car and/or travel reimbursement and gap insurance

COMPANY HIGHLIGHTS

Capital Insurance Group stands out among competitors due to its overall blend of affordability and customer service. With high ratings in customer satisfaction and claims management, you can expect smooth and efficient service from this company.

Although Capital Insurance Group’s add-on coverages are limited, the ones it offers can benefit many types of drivers in the event of an accident. For instance, its custom parts coverage helps pay for name-brand auto parts replacement if your vehicle gets damaged in an accident. The company also offers full glass coverage, which covers the cost of repairing or replacing your vehicle’s windshield if it gets damaged in an accident. However, Capital Insurance Group doesn’t offer basic coverages like rental car and/or travel reimbursement or gap insurance.

Best Car Insurance in Rialto for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

Ranks first in claims management out of 14 insurers

Ranks second in customer satisfaction out of 14 insurers

Offers unique add-on coverages, such as original equipment manufacturer (OEM) coverage

cons

Below-average score in coverage options

Missing some basic coverages like roadside assistance

COMPANY HIGHLIGHTS

Chubb’s quality service is clear from our analysis of J.D. Power’s customer satisfaction and claim satisfaction studies as well as the National Association of Insurance Commissioners (NAIC) customer complaint index. As such, customers are guaranteed an excellent customer service experience should they have any questions or claims.

With Chubb, you can customize your full coverage auto policy by purchasing unique add-on coverages like OEM coverage and diminished value coverage. In the event of an accident, OEM coverage will pay for original parts or procedures if your car needs repairs to restore its former look and feel, while diminished value coverage will provide you with a check for the agreed-upon cash value of your car when your policy was written.

Best Cheap Car Insurance in Rialto

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.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $436 per year

Has discounts for bundling, defensive driving and seat belt use

Strong affordability and customer satisfaction ratings

cons

Poor claims management and coverage options

No paperless or pay-in-full discounts

COMPANY HIGHLIGHTS

Of 14 insurers in our comparison group, GEICO is the best option for affordable car insurance in Rialto. It earned high affordability and customer satisfaction ratings, making it ideal for drivers who want a balance of cost and service quality.

GEICO also has numerous discounts to reduce your insurance payments further. You can save on premiums by bundling, insuring more than one car or remaining accident-free for five years. Having safety features in your vehicle like airbags, anti-lock brakes, anti-theft systems or daytime running lights can also qualify you for a discount.

Additionally, you can earn discounts through unique opportunities, such as always using your seat belt, having a new vehicle or being a member of a partner alumni, fraternity, sorority or professional organization.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Rialto

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.