Best Cheap Auto Insurance in Ontario, CA (2021)

Ontario, CA auto insurance rates are $5,213/yr on average. The cheapest auto insurance company in Ontario, California, is USAA. However, Ontario, CA auto insurance quotes vary for each person. Ontario car insurance must meet the California minimum requirements with coverage levels of 15/30/5 for liability coverage. Compare Ontario, CA auto insurance online to find the best price for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 29, 2021

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Things to Remember

  • On average, Ontario, CA auto insurance rates cost $5,213 annually
  • USAA is the cheapest auto insurance company in Ontario, California
  • Ontario, CA auto insurance quotes are affected by various factors, including driving record, age, and even vehicle theft

Ontario, CA auto insurance rates are about $5,213 per year, which is about $1,524 more than the California state average and $1,281 more than the national average.

Car insurance in Ontario, CA, varies for each person because auto insurance costs depend on personal factors.

Read through this guide to learn how different factors affect Ontario, California auto insurance, and how shopping around can lead to cheap auto insurance.

Are you ready to find affordable Ontario, CA auto insurance? Enter your ZIP code above to compare the top auto insurance companies near you.

What is the cheapest auto insurance company in Ontario, CA?

The cheapest auto insurance company in Ontario, California, based on average rates, is USAA.

The best auto insurance companies in Ontario, CA, ranked from cheapest to most expensive are:

  • USAA – $2,675
  • GEICO – $2,894
  • Liberty Mutual – $2,982
  • Progressive – $3,119
  • Travelers – $3,706
  • State Farm – $4,566
  • Nationwide – $4,758
  • Allstate – $5,185
  • Farmers – $5,453

If you’re not a veteran or in the immediate family of someone in the U.S. Armed Forces, you won’t be eligible for a USAA auto insurance policy.

Therefore, you’ll have to choose a company available to all potential customers, such as GEICO and Liberty Mutual.

In addition to a reliable insurance provider, maintaining a clean driving record can guarantee discounted car insurance rates.

If you’re in the 16 to 24 age range, auto insurance rates may cost twice the average rate. We recommended staying under a parent’s auto insurance policy. and

There are even several car insurance discounts for students who live far away from their parents. Even a high GPA can secure cheap rates.

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What are the minimum auto insurance requirements in Ontario, CA?

All Ontario drivers have to meet the minimum California auto insurance requirements.

In California, you have to carry at least:

  • $15,000 for bodily injury liability for one person per accident
  • $30,000 for bodily injury liability for multiple people per accident
  • $5,000 for property damage liability per accident

California is an at-fault state, which means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

If an insurance policy is insufficient, the no-fault driver has the right to sue the at-fault driver for the remainder of the cost.

The minimum requirements do not cover you. To get property damage coverage for your vehicle, you’ll need to enroll in full coverage.

For complete coverage for injuries and everything in between, add personal injury protection, medical payments, and uninsured/underinsured motorist coverage.

What affects auto insurance rates in Ontario, CA?

Gender-based auto insurance has been outlawed in California, but commute mileage and vehicle thefts are still factors.

In September 2020, Experian reported California as one of seven states that prohibit or restrict auto insurance companies from issuing credit-based insurance.

However, your commute mileage still affects your car insurance policy. According to Data USA, the average commute time in Ontario, CA is 30 minutes, which is five minutes slower than average.

Ontario drivers should consider driving less. You can save at least ten percent on auto insurance if you drive fewer miles.

Why is comprehensive coverage recommended in Ontario, CA?

Any city with a low vehicle theft rate can get a deal on comprehensive coverage. According to the 2019 FBI statistics, Ontario, CA, had 928 vehicle thefts.

Ontario’s theft numbers are lower than more prominent cities, but it may raise some flags with auto insurance companies.

Ontario, CA weather is also something you should consider. According to City-Data, Ontario had 24 wildfire disasters in 2019.

Although comprehensive coverage isn’t required, it’s highly recommended to avoid expensive out-of-pocket costs from fire disasters.

Ontario, CA Auto Insurance: The Bottom Line

Ontario, CA car insurance rates are expensive, and they’re $200 short of being the same price as Los Angeles car insurance rates.

So what’s the best way to secure cheap Ontario auto insurance? One way is to maintain a clean driving record. Next, you should use your VIN to see if your vehicle’s safety features can get a discount. The last step is comparing quotes.

Before you buy Ontario, CA auto insurance, shop around for a policy where you can save money. Use our free comparison tool below to get fast, free auto insurance quotes.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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