Buy Cheap Rancho Cucamonga, CA Auto Insurance

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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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: Jul 15, 2021

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A Concise Overview

  • 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.

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

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

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

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.

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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.


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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