Buy Cheap Fontana, CA Auto Insurance in 2024
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.
Read moreFree Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Frequently Asked Questions
What type of auto insurance coverage is required in Fontana, CA?
In Fontana, CA, like the rest of California, drivers are required to have minimum liability insurance coverage. This includes:
- $15,000 bodily injury liability coverage per person
- $30,000 bodily injury liability coverage per accident
- $5,000 property damage liability coverage per accident
Can I find cheap auto insurance in Fontana, CA?
Yes, it is possible to find cheap auto insurance in Fontana, CA. The cost of auto insurance can vary based on factors such as your driving record, age, type of vehicle, and coverage options. To find affordable rates, it’s recommended to compare quotes from different insurance providers, consider higher deductibles, and inquire about available discounts.
What factors can affect my auto insurance premiums in Fontana, CA?
Several factors can influence your auto insurance premiums in Fontana, CA, including:
- Your driving record: Drivers with a history of accidents or violations may have higher premiums.
- Age and gender: Younger and less experienced drivers typically pay higher premiums.
- Type of vehicle: The make, model, and age of your vehicle can impact insurance rates.
- Coverage options: Adding comprehensive, collision, or other optional coverage can increase premiums.
- Credit history: In some states, including California, insurance companies may consider credit history when determining rates.
Are there any discounts available to lower auto insurance costs in Fontana, CA?
Yes, insurance companies often offer various discounts to help lower auto insurance costs in Fontana, CA. Some common discounts include safe driver discounts, multi-policy discounts (if you bundle multiple policies with the same insurer), good student discounts (for students with good academic records), and discounts for vehicles equipped with safety features. It’s recommended to inquire about available discounts when shopping for insurance.
Can I get additional coverage options with my auto insurance in Fontana, CA?
Yes, in addition to the required liability coverage, you have the option to add additional coverage to your auto insurance policy in Fontana, CA. Common additional coverage options include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and roadside assistance. These options can provide extra protection and peace of mind, but they will impact your premium.
How can I lower my auto insurance premiums in Fontana, CA?
There are several ways to potentially lower your auto insurance premiums in Fontana, CA, such as:
- Maintaining a clean driving record.
- Opting for a higher deductible, if financially feasible.
- Taking advantage of available discounts.
- Keeping your vehicle secure with anti-theft devices.
- Completing a defensive driving course.
- Driving fewer miles by carpooling or using public transportation.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.