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Average Cost of Car Insurance in Fontana

Fontana$1,436
California$1,429
U.S.$1,424

Fontana has an average yearly premium of $1,436, which is 0.5% higher than California’s average rate and 0.8% higher than the national average. In other words, if you are a driver in Fontana, the typical cost of your car insurance premium is roughly equivalent to the state and national averages.

Compare Car Insurance Rates in Fontana

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Cheap Car Insurance Companies in Fontana

Esurance provides the most affordable car insurance in Fontana with an average annual premium of $1,064, which is $372 cheaper than the city average. Allied, the most expensive provider in Fontana, has an average rate that’s 61.9% higher than Esurance’s rate.

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Company
Amountper year
1. Esurance
In 2021, Esurance ranked #1 in Fontana for the cheapest car insurance for the average driver.
$1,064
2. USAA
In 2021, USAA ranked #2 in Fontana for the cheapest car insurance for the average driver.
$1,116
3. Progressive
In 2021, Progressive ranked #3 in Fontana for the cheapest car insurance for the average driver.
$1,198
4. AAA
In 2021, AAA ranked #4 in Fontana for the cheapest car insurance for the average driver.
$1,284
5. Mercury
In 2021, Mercury ranked #5 in Fontana for the cheapest car insurance for the average driver.
$1,335
6. GEICO
In 2021, GEICO ranked #6 in Fontana for the cheapest car insurance for the average driver.
$1,358
7. MetLife
In 2021, MetLife ranked #7 in Fontana for the cheapest car insurance for the average driver.
$1,369
8. Allstate
In 2021, Allstate ranked #8 in Fontana for the cheapest car insurance for the average driver.
$1,394
9. State Farm
In 2021, State Farm ranked #9 in Fontana for the cheapest car insurance for the average driver.
$1,558
10. Hartford
In 2021, Hartford ranked #10 in Fontana for the cheapest car insurance for the average driver.
$1,614
11. Farmers
In 2021, Farmers ranked #11 in Fontana for the cheapest car insurance for the average driver.
$1,652
12. Travelers
In 2021, Travelers ranked #12 in Fontana for the cheapest car insurance for the average driver.
$1,682
13. Allied
In 2021, Allied ranked #13 in Fontana for the cheapest car insurance for the average driver.
$1,723

Personalized Quotes to Get You the Cheapest Car Insurance in Fontana

When computing your car insurance quotes in Fontana, agents evaluate several factors of your risk level as a driver. These factors include your age, location, driving record, miles driven per year and the make and model of car you drive. The aforementioned car insurance premiums are only averages, and your actual premium will vary based on your driving profile.

Contact insurance agents and request quotes regularly. Doing so will tell you if you qualify for any discounts or rebates as your situation and circumstances change.

Compare Car Insurance Rates in Fontana

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Fontana by Coverage Amount

How much car insurance coverage you purchase in Fontana also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

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.

Esurance’s 50/100/50 liability-only plan averages $684 per year, while a 50/100/50 full-coverage package costs roughly $1,016. The numbers 50/100/50 simply mean that your insurance will pay a maximum of $50,000 for each person injured in an accident, up to $100,000 of coverage per vehicle, along with $50,000 for property damage.

Average Car Insurance Premiums by Coverage Type

Liability Only
CompanyState Minimumper year50 / 100 / 50per year
1. USAA$441$575
2. Esurance$568$684
3. Progressive$514$723
4. AAA$561$686
5. Mercury$548$765
6. GEICO$571$791
7. MetLife$693$948
8. Allstate$778$900
9. State Farm$749$1,005
10. Travelers$639$882
11. Hartford$783$1,011
12. Farmers$822$969
13. Allied$792$1,023
Full Coverage
Company50 / 100 / 50per year100 / 300 / 100per year
1. USAA$1,051$1,116
2. Esurance$1,016$1,064
3. Progressive$1,076$1,198
4. AAA$1,161$1,284
5. Mercury$1,237$1,335
6. GEICO$1,226$1,358
7. MetLife$1,269$1,369
8. Allstate$1,315$1,394
9. State Farm$1,400$1,558
10. Travelers$1,566$1,682
11. Hartford$1,484$1,614
12. Farmers$1,538$1,652
13. Allied$1,590$1,723
Compare Car Insurance Rates in Fontana

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Fontana If You Have Tickets

One way your driving record can hurt you is by increasing your insurance premiums. Speeding tickets or a DUI can significantly affect your costs. For instance, Allstate’s annual premium for drivers with no violations averages at $1,394. Add a speeding ticket in the mix, and the average rate rises to $1,977, while a DUI can more than triple your costs.

CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
1. Esurance$1,350$1,676$2,651
2. USAA$1,220$1,944$3,157
3. Mercury$1,747$2,306$2,185
4. GEICO$2,007$2,290$3,212
5. Progressive$2,300$2,509$2,894
6. AAA$1,694$1,942$3,984
7. Farmers$2,272$2,839$2,839
8. Allstate$1,977$2,502$4,427
9. Travelers$2,512$2,787$3,487
10. State Farm$2,292$2,386$4,786
11. Allied$2,415$2,776$4,174
12. Hartford$2,561$3,610$6,010
13. MetLife$1,772$2,304$8,596

Average Cost of Car Insurance by Postal Code

In some cities, your ZIP code can significantly affect your annual car insurance premium. In Fontana, however, that is not the case. The difference in average premium cost by neighborhood in Fontana comes to just $2 per year.

Zip CodeState Minimumper year
92335$1,435
92336$1,437
iconribbontop ratedCar Insurance agentsFontana2021

Top Agents Offering Affordable Car Insurance in Fontana

1. Lyzet's Tax Service8275 Sierra Ave, Ste 105, Fontana, CA, 92335
122 ratings
2. Promax Insurance Agency7950 Cherry Ave, Ste 114, Fontana, CA, 92336
5 ratings
3. Farmers Insurance - Maria Herrera8436 Sierra Ave, Ste B, Fontana, CA, 92335
3 ratings
4. Strong Tie Insurance9765 Sierra Ave, Ste 2, Fontana, CA, 92335
3 ratings
5. Finger Printing Fontana16616 Foothill Blvd, Ste A, Fontana, CA, 92335
6 ratings

Factors That Impact Insurance Costs in Fontana

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accident also contribute to car insurance rates in Fontana. How Fontana ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities88th/300
handcuffs2 icon
Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall271st/300
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Most Rainy Days255th/300

Shopping around for car insurance in Fontana could save you $372, which is enough to buy:


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124Cups of Coffee
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29Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Fontana are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Fontana

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates