Buy Cheap Ontario, CA Auto Insurance

The cheapest Ontario, CA auto insurance is from GEICO, although rates will vary by driver. Auto insurance in Ontario, CA must meet the state minimum requirements of 15/30/5, but these are very low limits and drivers should consider raising limits to be fully covered. If drivers can’t afford buy insurance, they may qualify for California Low-Cost Auto (CLCA) insurance. Compare quotes below to find the cheapest Ontario, CA auto insurance rates near 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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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

UPDATED: May 17, 2021

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A Concise Overview

  • GEICO offers the cheapest auto insurance in Ontario, CA
  • Ontario, CA is part of the greater Los Angeles area and shares a high volume of traffic
  • California Low-Cost Auto (CLCA) insurance is available for low-income drivers who qualify

Ontario, CA auto insurance is more expensive than both the state and national averages. This isn’t surprising, given the close proximity to Los Angeles and the fact that the average for California auto insurance is high as well.

However, it’s still possible to find affordable Ontario, CA auto insurance if you know where to look. Shop around and compare Ontario, CA auto insurance quotes to find the best coverage at the lowest price.

Enter your ZIP code now to compare Ontario, CA auto insurance quotes today.

What is the cheapest Ontario, CA auto insurance company?

Although USAA actually has the cheapest auto insurance in Ontario, CA, it only offers coverage to the military, veterans, and their families. The cheapest company that offers to all Ontario, CA drivers is GEICO.

These are the top-rated Ontario, CA auto insurance companies listed from least to most expensive:

  • USAA – $2,674.99
  • GEICO – $2,893.78
  • Liberty Mutual – $2,981.87
  • Progressive – $3,119.33
  • Travelers – $3,706.00
  • State Farm – $4,566.21
  • Nationwide – $4,758.34
  • Allstate – $5,185.38
  • Farmers – $5,452.85

Although most auto insurance companies use gender to calculate rates, that isn’t allowed in California.

Your location also matters when it comes to auto insurance. Bigger cities will pay more for auto insurance. For example, even though the city is close by, Los Angeles auto insurance rates are much higher.

Also, California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

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What auto insurance coverage is required in Ontario, CA?

Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally.

Drivers in Ontario have to meet the state minimum requirements for auto insurance. The auto insurance coverages required in California are:

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

This is not a lot of coverage, especially given the high health care costs and the increasing cost of automobiles. You can very quickly exhaust those limits and then are responsible for the remaining costs.

In order to prevent having to pay out of pocket in the event of a major accident, drivers in Ontario should consider carrying more than just the national minimum auto insurance policy.

What affects auto insurance rates in Ontario, CA?

Traffic can increase your Ontario, CA auto insurance rates because more traffic equals a higher chance of getting into an accident.

Although INRIX doesn’t have data for Ontario, it does rank nearby Los Angeles as the sixth-most congested city in the U.S. and the 26th-most congested city in the world.

In fact, City-Data shows that most Ontario, CA drivers have a 35-minute commute, and many drivers commute an hour or more.

Auto theft near you can also raise your auto insurance costs. According to the FBI, there were 911 motor vehicle thefts in Ontario and 19,193 thefts in Los Angeles in a one-year period.

Ontario, CA Auto Insurance: The Bottom Line

Ontario auto insurance is very expensive since it is above the state and national averages. Before you buy Ontario, CA auto insurance, be sure to shop around and compare quotes from multiple companies to get the best deal.

Enter your ZIP code now to compare Ontario, CA auto insurance quotes today.

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