Buy Cheap Fontana, CA Auto Insurance

The average annual auto insurance rates in Fontana, CA are around $3,963 ($330/mo). The cheapest auto insurance company in Fontana, CA is USAA, although rates will vary for each person. Fontana, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Fontana, California car insurance quotes online to get the best price for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 15, 2021

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A Concise Overview

  • The average annual auto insurance rates for Fontana, CA are $3,963 ($330/mo)
  • The cheapest auto insurance company in Fontana, CA is USAA
  • Fontana, CA rates are affected by the traffic that is shared with San Bernardino as well as Los Angeles
  • The average commute time for Fontana is 29.3 min

Fontana, CA average annual auto insurance rates are slightly above average when compared to the state average. They are fairly similar to San Bernardino rates and about $1,400 cheaper than Los Angeles rates.

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

Below you’ll find information on how to buy auto insurance in Fontana, California for every age, credit history, and driving record.

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

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

The cheapest auto insurance company in Fontana, based on average rates, is USAA which offers car insurance only to military affiliates. GEICO offers the second-cheapest rates.

The top auto insurance companies in Fontana, CA, ranked from cheapest to most expensive annual rates are:

  • USAA – $2,730
  • GEICO – $2,879
  • Liberty Mutual – $2,897
  • Progressive – $3,065
  • Travelers – $3,523
  • Nationwide – $4,769
  • State Farm – $4,803
  • Allstate – $5,118
  • Farmers – $5,883

There are a lot of factors that determine your auto 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.

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What auto insurance coverage is required in Fontana, CA?

All Fontana 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.

What affects auto insurance rates in Fontana, CA?

Fontana is the 20th largest city in California and about a 20 min drive from San Bernardino and a little over an hour drive from Los Angeles.

Let’s take a look at how Fontana auto insurance rates compare to other cities in California.

  • Beverly Hills, CA — $6,188 (most expensive)
  • San Bernardino, CA — $4,124
  • Fontana, CA — $3,963
  • Los Angeles, CA — $5,345
  • Los Ranchos, CA — $2,731 (cheapest)

INRIX doesn’t rank Fontana 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. Fontana is between San Bernadino and Los Angeles, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Fontana is 29.3 minutes.

Auto theft in Fontana also affects rates. The FBI’s most recent annual statistics list 881 auto thefts in a city population of 211,782. That’s a rate of 97 cars stolen per 100,000 population.

Fontana, CA Auto Insurance: The Bottom Line

Fontana has slightly above 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 Fontana, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Fontana, CA auto insurance quotes.

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