Cheapest and Best Car Insurance in Rialto, CA (July 2024)


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Updated: July 12, 2024

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Finding the most economical in Rialto, California, depends on coverage needs and driver details. For minimum and full coverage, Progressive is the cheapest, while Travelers offers the lowest rates for families with teens.

The best in customer service is Chubb. Capital Insurance Group offers the best overall value, factoring in price and service. Ultimately, the right choice varies based on individual preferences and coverage requirements.

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2024

Cheapest and Best Car Insurance in Rialto

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Rialto, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Rialto insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Rialto, CA as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Rialto

In Rialto, Progressive is the cheapest option for minimum coverage car insurance.

  • Progressive: $482 per year
  • Kemper: $491 per year

Chubb stands as the most expensive in Rialto with an annual premium of $901. This comparison illustrates the significance of comparing car insurance rates, because it can lead to significant savings — in this case, a difference of $419 annually. Selecting the right insurer could mean more money in your pocket.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
ProgressiveAnnual Premium$482Monthly Premium$40
KemperAnnual Premium$491Monthly Premium$41
GEICOAnnual Premium$499Monthly Premium$42
MercuryAnnual Premium$518Monthly Premium$43
AAAAnnual Premium$524Monthly Premium$44
Capital Insurance GroupAnnual Premium$589Monthly Premium$49
FarmersAnnual Premium$589Monthly Premium$49
State NationalAnnual Premium$627Monthly Premium$52

State Minimum Liability Requirements

Across all Californian cities like Rialto, the Golden State's legislation sets the bar for the compulsory car insurance coverage:

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

With such a policy, if you're liable in an accident, your insurance would cover up to $15,000 for injuries per person involved or up to $30,000 for all injured parties combined. Should the costs exceed these amounts, any additional expenses would likely have to come from your pocket.

Cheapest Full Coverage Car Insurance in Rialto

Progressive offers the cheapest full coverage car insurance in Rialto:

  • Progressive: $1,172 per year
  • AAA: $1,223 per year

Full coverage encompasses comprehensive and collision insurance protections, which cost more than just the legal minimal coverage. Farmers presents the most expensive full coverage policy in Rialto, with annual premiums being $989 higher than Progressive. This underscores the value of comparing rates to save money.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,172Monthly Premium$98
AAAAnnual Premium$1,223Monthly Premium$102
GEICOAnnual Premium$1,336Monthly Premium$111
MercuryAnnual Premium$1,359Monthly Premium$113
AllstateAnnual Premium$1,393Monthly Premium$116
Capital Insurance GroupAnnual Premium$1,412Monthly Premium$118
KemperAnnual Premium$1,415Monthly Premium$118
National GeneralAnnual Premium$1,449Monthly Premium$121

Do You Need Full Coverage in California?

A full coverage policy in Rialto includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Cheapest Car Insurance in Rialto After a Driving Offense

National General is the cheapest option in Rialto for drivers with a speeding ticket. The cheapest providers for each individual offense are:

  • Speeding ticket: National General ($1,520 per year)
  • At-fault accident: Capital Insurance Group ($1,663 per year)
  • DUI: National General ($1,520 per year)

The most expensive rates for these offenses are from different companies. For example, Hartford has the highest annual premium after a DUI at $5,375, showcasing a substantial difference of $3,855 when compared with National General's rate for the same violation. This gap underscores how significantly the type of driving infraction can affect car insurance costs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,520Monthly Premium$127
AAAAnnual Premium$1,583Monthly Premium$132
Capital Insurance GroupAnnual Premium$1,627Monthly Premium$136
MercuryAnnual Premium$1,795Monthly Premium$150
KemperAnnual Premium$1,878Monthly Premium$156
GEICOAnnual Premium$1,988Monthly Premium$166
AllstateAnnual Premium$2,029Monthly Premium$169
State NationalAnnual Premium$2,120Monthly Premium$177

Insurance rates in cities like Rialto often escalate with the severity of a driving infraction because higher risk behaviors lead to more claims and thus higher costs for insurers. For instance, drivers in Rialto with a speeding ticket could face an average annual premium of $2,223, while those with a DUI might see rates soar to an average of $3,698.

Comparing insurance rates therefore becomes crucial for individuals with driving offenses to find the most financially manageable options.

Cheapest Car Insurance in Rialto for Teens and Their Families

Farmers offers the most affordable full coverage car insurance for male and female teens in Rialto. Here's how the two top providers stack up:

  • Farmers: $3,064 per year for female and male teens
  • State Farm: $3,070 per year for female and male teens

These rates are for a policy combining coverage for two parents with a teenage driver. Nationwide has the highest annual premium for this demographic in Rialto. The cost difference between Farmers and Nationwide for a female teen's policy is a substantial $2,173, illustrating the significant savings that can be achieved by comparing rates, especially important for insuring teen drivers who generally carry higher risk.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
FarmersFamily Plan Annual Premium$3,064Individual Plan Monthly Premium$4,517
State FarmFamily Plan Annual Premium$3,070Individual Plan Monthly Premium$3,399
Capital Insurance GroupFamily Plan Annual Premium$3,317Individual Plan Monthly Premium$3,239
GEICOFamily Plan Annual Premium$3,404Individual Plan Monthly Premium$3,843
AllstateFamily Plan Annual Premium$3,419Individual Plan Monthly Premium$3,684
ProgressiveFamily Plan Annual Premium$3,642Individual Plan Monthly Premium$4,003
TravelersFamily Plan Annual Premium$4,086Individual Plan Monthly Premium$3,694
KemperFamily Plan Annual Premium$4,323Individual Plan Monthly Premium$5,771

Teen drivers in Rialto and other cities face a significant financial hurdle when obtaining car insurance. On average, an individual annual premium for a teen is approximately $4,474, which is starkly higher than the $3,750 average when a teen is added to a family plan. This substantial difference in rates reflects insurance companies' risk assessments.

Teens are considered high-risk drivers due to their lack of experience. Consequently, it can be challenging for teens to secure an individual policy, with insurers often requiring them to be under a family plan for better risk management and affordability.

Cheapest Car Insurance in Rialto for Military Drivers

Progressive is the cheapest option in Rialto for those with a military background seeking the cheapest car insurance for military backgrounds. A close look reveals the two most affordable providers:

  • Progressive: $1,172 per year
  • AAA: $1,223 per year

Although USAA's annual rate of $1,246 is slightly higher than the cheapest competitors, USAA specializes in insurance tailored to the needs of active-duty military members, potentially offering more value beyond the price point.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,172Monthly Premium$98
AAAAnnual Premium$1,223Monthly Premium$102
USAAAnnual Premium$1,246Monthly Premium$104
GEICOAnnual Premium$1,336Monthly Premium$111
MercuryAnnual Premium$1,359Monthly Premium$113
AllstateAnnual Premium$1,393Monthly Premium$116
Capital Insurance GroupAnnual Premium$1,412Monthly Premium$118
KemperAnnual Premium$1,415Monthly Premium$118

How to Compare Cheap Rialto Car Insurance Quotes Online

Shopping for car insurance in Rialto can lead to substantial savings, but sifting through rates from multiple companies is not only tedious, typically requiring at least 15 minutes per inquiry, but also time-consuming, as a thorough comparison often exceeds an hour. Fortunately, MoneyGeek's car insurance calculator streamlines this process, allowing for instant savings. By simply inputting variables such as age, driving history, credit score, and coverage preferences, Rialto drivers can swiftly receive tailored rate estimates. This tool prioritizes the most essential factors influencing car insurance costs in the area, making it an efficient resource for informed decisions.

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Rates updated:

Jul 12, 2024

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Best Car Insurance in Rialto: Overview

Finding the right auto insurance hinges on individual priorities, including service, cost and coverage. MoneyGeek's unique scoring system assesses these factors to guide you to the ideal provider in Rialto for your specific needs.

  • Best overall: Capital Insurance Group (MoneyGeek score 84 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Capital Insurance Group (MoneyGeek score 82 out of 100)

Capital Insurance Group emerges as the clear choice for those seeking excellent value and affordability, being rated the best overall and the best for those on a budget. Conversely, Chubb stands out for those prioritizing superior service. Each company's strengths cater to different consumer preferences, ensuring a tailored fit for your auto insurance needs.

Overall Best Car Insurance in Rialto

Capital Insurance Group is the best option in Rialto for drivers seeking the best car insurance.

  • Capital Insurance Group: MoneyGeek score of 84 out of 100 ($1,412 per year)
  • Mercury: MoneyGeek score of 77 out of 100 ($1,359 per year)

Capital Insurance Group shines as the leading insurer, achieving the highest score partly due to outstanding satisfaction and claims processing. It offers a full coverage policy that balances cost and quality.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
84/ of 100

Overview

Capital Insurance Group leads with its perfect satisfaction and high claims scores. It offers Roadside Assistance and Rental Car and/or Travel Reimbursement. It also has Custom Parts Coverage, ensuring enhanced protection for specific customization needs.

Capital Insurance Group caters to the special needs of drivers with rare coverages like Custom Parts Coverage, assuring customers that their unique vehicle enhancements are protected. This is particularly valuable for those who have invested in additional custom parts; it assures them of replacements with name-brand parts — maintaining the vehicle's integrity and value after incidents necessitating repairs.

Best Car Insurance in Rialto for Customer Service

Chubb offers the best car insurance for customer service in Rialto, providing top-notch satisfaction in general satisfaction, claims handling and coverages, without factoring in the rates.

  • Chubb: MoneyGeek score of 94 out of 100 ($2,141 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,412 per year)

Chubb stands out particularly for its high claims handling score, as well as its excellent satisfaction and coverage evaluations. This ranking solidifies Chubb as a leading choice for customers prioritizing exceptional service.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb's has high satisfaction and claims handling scores. The company provides common coverages like Rental Car and/or Travel Reimbursement and Roadside Assistance.

Chubb's rare coverage options cater to a variety of driver needs, demonstrating its value. Antique/Classic Car Insurance offers tailored protection for vintage vehicles, a rarity in the market. Original Equipment Manufacturer (OEM) Coverage ensures that repairs maintain high quality with original manufacturer parts. Diminished Value Coverage provides an added security layer if your car's value drops after an accident.

Best Cheap Car Insurance in Rialto

Capital Insurance Group is the best option in Rialto for those seeking a balance between cost and quality in car insurance. The company's earned high scores in claims handling and customer satisfaction.

  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($589 per year)
  • Mercury: MoneyGeek score of 80 out of 100 ($518 per year)

Capital Insurance Group distinguishes itself with the highest MoneyGeek score for a minimum coverage policy. Its score reflects robust customer satisfaction and superior claims processing.

Company logo for Capital Insurance Group
Best Cheap CompanyCapital Insurance Group
MoneyGeek Score:
82/ of 100

Overview

Capital Insurance Group leads with high customer satisfaction and claims handling scores. With an average annual premium of $589, the typical driver pays little for minimum coverage each year.

Capital Insurance Group offers Bundling, Multiple Car, and Safe Driving incentives, emphasizing the insurer's commitment to rewarding customers for safe practices and loyalty. Discounts like Good Student are provided, as well as the Defensive Driving discount — useful for mature drivers who can save by proving their commitment to safe driving through course completion. Capital Insurance Group also offers unique discounts like the Anti-Theft Device discount, rewarding those who invest in theft-preventative technology for their vehicles.

Average Cost of Car Insurance in Rialto

In Rialto, the average cost of car insurance stands at $1,679, slightly higher than the average car insurance cost in California of $1,562. The state's average itself varies from the national average of $1,781, with Californian drivers paying $219 less.

While location is a significant factor in determining insurance premiums, it is only one among many variables insurers consider. Factors such as the vehicle type, driver's history, and coverage level also play critical roles. But location is important because it encompasses considerations like the frequency of claims in the area, theft rates and the cost of living — all of which impact insurance costs.

Santa Maria has the lowest premiums in California at $1,106, while Glendale stands on the opposite end with the steepest premiums at $2,115, showing a difference of $1,009 within the state. This contrast exemplifies how dramatically insurance rates can vary within a single state, and non-urban areas with lower traffic densities often experience even lower rates.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331
ClovisAnnual Premium$1,395
ConcordAnnual Premium$1,473
CoronaAnnual Premium$1,525
Costa MesaAnnual Premium$1,501
Daly CityAnnual Premium$1,712
DowneyAnnual Premium$1,749
East Los AngelesAnnual Premium$1,800
El CajonAnnual Premium$1,438
El MonteAnnual Premium$1,784
Elk GroveAnnual Premium$1,535
EscondidoAnnual Premium$1,382
FairfieldAnnual Premium$1,392
FontanaAnnual Premium$1,565
FremontAnnual Premium$1,446
FresnoAnnual Premium$1,442
FullertonAnnual Premium$1,661
Garden GroveAnnual Premium$1,679
GlendaleAnnual Premium$2,433
HaywardAnnual Premium$1,549
Huntington BeachAnnual Premium$1,523
InglewoodAnnual Premium$1,963
IrvineAnnual Premium$1,585
Jurupa ValleyAnnual Premium$1,507
LancasterAnnual Premium$1,670
Long BeachAnnual Premium$1,685
Los AngelesAnnual Premium$2,138
ModestoAnnual Premium$1,577
Moreno ValleyAnnual Premium$1,546
MurrietaAnnual Premium$1,415
NorwalkAnnual Premium$1,661
OaklandAnnual Premium$1,657
OceansideAnnual Premium$1,396
OntarioAnnual Premium$1,565
OrangeAnnual Premium$1,462
OxnardAnnual Premium$1,436
PalmdaleAnnual Premium$1,722
PasadenaAnnual Premium$1,798
PomonaAnnual Premium$1,630
Rancho CucamongaAnnual Premium$1,503
RialtoAnnual Premium$1,577
RichmondAnnual Premium$1,562
RiversideAnnual Premium$1,543
RosevilleAnnual Premium$1,458
SacramentoAnnual Premium$1,494
SalinasAnnual Premium$1,346
San BernardinoAnnual Premium$1,567
San DiegoAnnual Premium$1,349
San FranciscoAnnual Premium$1,670
San JoseAnnual Premium$1,429
San MateoAnnual Premium$1,385
Santa AnaAnnual Premium$1,577
Santa ClaraAnnual Premium$1,420
Santa ClaritaAnnual Premium$1,634
Santa MariaAnnual Premium$1,251
Santa RosaAnnual Premium$1,479
Simi ValleyAnnual Premium$1,528
StocktonAnnual Premium$1,594
SunnyvaleAnnual Premium$1,413
TemeculaAnnual Premium$1,432
Thousand OaksAnnual Premium$1,589
TorranceAnnual Premium$1,518
VallejoAnnual Premium$1,547
VenturaAnnual Premium$1,341
VictorvilleAnnual Premium$1,598
VisaliaAnnual Premium$1,333
VistaAnnual Premium$1,355
West CovinaAnnual Premium$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.