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.
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.
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.
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.
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.
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.
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?
Above-average affordability and customer satisfaction ratings
Offers valuable coverages like custom parts coverage
Limited options for add-on coverages
Lacks rental car and/or travel reimbursement and gap insurance
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?
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
Below-average score in coverage options
Missing some basic coverages like roadside assistance
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?
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
Poor claims management and coverage options
No paperless or pay-in-full discounts
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.
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