Best Cheap Auto Insurance in Rancho Cucamonga, CA (2021)

The average annual auto insurance rates in Rancho Cucamonga, CA are around $3,826.06 ($318/mo). The cheapest auto insurance company in Rancho Cucamonga, CA is USAA, although rates will vary for each person. Rancho Cucamonga, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Rancho Cucamonga, California car insurance quotes online to get the best price for you.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember

  • The average annual auto insurance rates for Rancho Cucamonga, CA are $3,826.06 ($318/mo)
  • The cheapest auto insurance company in Rancho Cucamonga, CA is USAA
  • Rancho Cucamonga, CA rates are affected by the traffic that is shared with San Bernardino as well as Los Angeles
  • The average commute time for Rancho Cucamonga is 31.3 min

Rancho Cucamonga, CA average annual auto insurance rates are slightly above average when compared to other cities in California. But, surprisingly, they are nearly $300 cheaper than San Bernardino to the west and $1,519 cheaper than Los Angeles to the east.

You can save on Rancho Cucamonga, California auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on how to get cheap auto insurance in Rancho Cucamonga, California for every age, credit history, and driving record.

Monthly Rancho Cucamonga, CA Car Insurance Rates by ZIP Code

Find more info about the monthly Rancho Cucamonga, CA car insurance rates by ZIP Code below:

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Rancho Cucamonga, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Rancho Cucamonga, California against other top US metro areas’ auto insurance rates.

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Ready to find affordable auto insurance in Rancho Cucamonga, CA? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Rancho Cucamonga, CA?

The cheapest auto insurance company in Rancho Cucamonga, based on average rates, is USAA.

The cheapest Rancho Cucamonga, CA auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California auto insurance company rates?” We cover that as well.

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The top auto insurance companies in Rancho Cucamonga, CA, ranked from cheapest to most expensive are:

  • USAA – $2,711.98
  • GEICO – $2,878.52
  • Liberty Mutual – $3,002.98
  • Progressive – $3,135.82
  • Travelers – $3,485.28
  • State Farm – $4,160.84
  • Nationwide – $4,655.81
  • Allstate – $5,011.74
  • Farmers – $5,391.56

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

What auto insurance coverage is required in Rancho Cucamonga, CA?

All Rancho Cucamonga drivers have to meet the California state law minimum requirements to buy auto insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

Rancho Cucamonga, California auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Rancho Cucamonga, CA auto insurance rates. Find the cheapest Rancho Cucamonga, California auto insurance rates by coverage level below:

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Your driving record will affect your Rancho Cucamonga auto insurance rates. For example, a Rancho Cucamonga, California DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Rancho Cucamonga, California auto insurance rates by driving record.

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Factors affecting auto insurance rates in Rancho Cucamonga, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Rancho Cucamonga, California auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Rancho Cucamonga. California does use gender, so check out the average monthly auto insurance rates by age and gender in Rancho Cucamonga, CA.

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What affects auto insurance rates in Rancho Cucamonga, CA?

Rancho Cucamonga is the 27th largest city in California and about a 30 min drive west of San Bernardino. Let’s take a look at how Rancho Cucamonga auto insurance rates compare to other cities in California.

  • Beverly Hills, CA — $6,188.41 (most expensive)
  • San Bernardino, CA — $4,123.85 (from the west)
  • Rancho Cucamonga, CA — $3,826.06
  • Los Angeles, CA — $5,344.94 (from the east)
  • Los Ranchos, CA — $2,731.32 (cheapest)

INRIX doesn’t rank Rancho Cucamonga or San Bernardino but does rank Los Angeles which is a little over an hour away.

INRIX ranks Los Angeles as the 6th most congested city in the U.S. Rancho Cucamonga is east of San Bernadino and west of Los Angeles, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Rancho Cucamonga is 31.3 minutes.

Auto theft in Rancho Cucamonga also affects rates, and the most recent annual statistics list 368 auto thefts in a city population of 178,308. That’s a rate of 206 cars stolen per 100,000 population.

Rancho Cucamonga, CA Auto Insurance: The Bottom Line

Rancho Cucamonga has fairly average auto insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.

Before you buy car insurance in Rancho Cucamonga, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Rancho Cucamonga, CA 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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Monthly Rancho Cucamonga, CA Auto Insurance Rates by ZIP Code
Rancho Cucamonga, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Rancho Cucamonga, CA Auto Insurance Rates by Company vs. City Average
Rancho Cucamonga, CA Auto Insurance Rates by Company and Age
The Cheapest Rancho Cucamonga, CA Auto Insurance Rates by Coverage Level
The Cheapest Rancho Cucamonga, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Rancho Cucamonga, CA
Average Monthly Auto Insurance Rates by Age & Gender in Rancho Cucamonga, CA
Monthly Rancho Cucamonga, CA Auto Insurance Rates by ZIP Code
Rancho Cucamonga, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Rancho Cucamonga, CA Auto Insurance Rates by Company vs. City Average
Rancho Cucamonga, CA Auto Insurance Rates by Company and Age
The Cheapest Rancho Cucamonga, CA Auto Insurance Rates by Coverage Level
The Cheapest Rancho Cucamonga, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Rancho Cucamonga, CA
Average Monthly Auto Insurance Rates by Age & Gender in Rancho Cucamonga, CA
Monthly Rancho Cucamonga, CA Auto Insurance Rates by ZIP Code
Rancho Cucamonga, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Rancho Cucamonga, CA Auto Insurance Rates by Company vs. City Average
Rancho Cucamonga, CA Auto Insurance Rates by Company and Age
The Cheapest Rancho Cucamonga, CA Auto Insurance Rates by Coverage Level
The Cheapest Rancho Cucamonga, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Rancho Cucamonga, CA
Average Monthly Auto Insurance Rates by Age & Gender in Rancho Cucamonga, CA