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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Ontario, CA for senior drivers are $2,338/year
  • The cheapest car insurance company in Ontario for teen drivers is USAA
  • The annual number of car thefts in Ontario is 1,003.

Average car insurance rates in Ontario, California are $327 a month. But with a little research you can get a great deal from the top car insurance companies in Ontario, CA. Before you buy Ontario, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Ontario car insurance rates with San Jose car insurance rates, San Francisco car insurance rates, or Long Beach car insurance rates to make sure you’re getting the best Ontario, CA car insurance quotes available.

Need affordable Ontario, CA car insurance? Enter your ZIP code to compare Ontario car insurance quotes from multiple car insurance companies near you.

Ontario, CA Minimum Car Insurance Coverage

Ontario, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Ontario, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Ontario, CA Car Insurance Rates by Coverage Level

Some Ontario drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Ontario, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Ontario, California

Insurance Company Low Medium High
Allstate $4,879 $5,233 $5,443
Farmers $5,066 $5,497 $5,796
GEICO $2,597 $2,930 $3,154
Liberty Mutual $2,753 $3,009 $3,184
Nationwide $4,246 $4,845 $5,184
Progressive $2,802 $3,210 $3,346
State Farm $4,105 $4,647 $4,947
Travelers $3,225 $3,804 $4,088
USAA $2,428 $2,726 $2,871

Ontario, CA Car Insurance Rates by Age, Gender, and Marital Status

Ontario, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Ontario, CA car insurance, get quotes from multiple car insurance companies in the Ontario area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ontario, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,349 $3,348 $2,428 $2,450 $9,274 $11,656 $4,282 $4,697
Farmers $2,962 $2,962 $2,678 $2,678 $9,456 $15,461 $3,512 $3,913
GEICO $1,793 $1,793 $1,686 $1,686 $5,454 $5,538 $2,574 $2,627
Liberty Mutual $2,269 $2,136 $2,123 $2,051 $4,896 $5,256 $2,542 $2,582
Nationwide $3,338 $3,184 $2,933 $2,762 $8,524 $9,416 $3,983 $3,927
Progressive $1,950 $2,008 $1,655 $1,968 $5,217 $6,300 $2,820 $3,035
State Farm $3,590 $3,590 $3,209 $3,209 $6,630 $8,227 $3,975 $4,099
Travelers $2,746 $2,655 $2,425 $2,399 $5,745 $6,576 $3,595 $3,507
USAA $1,917 $1,817 $1,869 $1,878 $4,368 $4,392 $2,652 $2,507

Ontario, CA Car Insurance Rates for Teens

How much is Ontario, California car insurance for teens? Compare rates from top Ontario car insurance companies below to help find the cheapest teen car insurance in Ontario, CA.

Annual Car Insurance Rates for Teen Drivers in Ontario, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,274 $11,656
Farmers $9,456 $15,461
GEICO $5,454 $5,538
Liberty Mutual $4,896 $5,256
Nationwide $8,524 $9,416
Progressive $5,217 $6,300
State Farm $6,630 $8,227
Travelers $5,745 $6,576
USAA $4,368 $4,392

Ontario, CA Car Insurance Rates for Seniors

Before seniors buy Ontario, California car insurance, they should make sure to shop around. Some Ontario, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Ontario, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,428 $2,450
Farmers $2,678 $2,678
GEICO $1,686 $1,686
Liberty Mutual $2,123 $2,051
Nationwide $2,933 $2,762
Progressive $1,655 $1,968
State Farm $3,209 $3,209
Travelers $2,425 $2,399
USAA $1,869 $1,878

Ontario, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Ontario, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Ontario.

Annual Ontario, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,114 $5,255 $8,281 $4,091
Farmers $4,034 $5,491 $6,836 $5,451
GEICO $2,022 $3,126 $3,918 $2,509
Liberty Mutual $2,588 $3,465 $3,131 $2,743
Nationwide $3,319 $4,257 $7,200 $4,257
Progressive $2,039 $3,468 $4,032 $2,938
State Farm $3,260 $3,887 $7,336 $3,782
Travelers $2,450 $4,043 $4,692 $3,638
USAA $1,777 $2,644 $4,332 $1,947

Ontario, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Ontario, CA car insurance rates. Compare rates below to see which Ontario car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Ontario, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,281
Farmers $6,836
GEICO $3,918
Liberty Mutual $3,131
Nationwide $7,200
Progressive $4,032
State Farm $7,336
Travelers $4,692
USAA $4,332

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Ontario, CA Car Insurance Rates by ZIP Code

Just like Ontario car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Ontario, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Ontario, California

ZIP Code Average Annual Rates
91758 $5,505
91761 $5,213
91762 $5,307
91764 $5,490

Ontario, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Ontario, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Ontario companies based on commute time.

Annual Car Insurance Rates by Commute Length in Ontario, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,668 $5,703
Farmers $4,947 $5,959
GEICO $2,628 $3,159
Liberty Mutual $2,736 $3,228
Nationwide $4,200 $5,316
Progressive $2,831 $3,408
State Farm $4,400 $4,732
Travelers $3,330 $4,082
USAA $2,465 $2,885

Ontario, CA Cheapest Car Insurance Rates

How do the top Ontario, California car insurance companies’ average rates stack up against the Ontario average monthly car insurance rates of $327? Take a look and see.

Best Annual Car Insurance Rates by Company in Ontario, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Ontario, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Ontario, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Ontario, California

Insurance Company Average Annual Rates
Allstate $5,185
Farmers $5,453
GEICO $2,894
Liberty Mutual $2,982
Nationwide $4,758
Progressive $3,119
State Farm $4,566
Travelers $3,706
USAA $2,675

Other Factors Affecting Ontario, CA Car Insurance Rates

Before you buy Ontario, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Ontario, CA Car Theft Rates

The car theft rate in Ontario, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Ontario, California is 1,003 stolen cars.

Ontario, CA Commute Time

How does your Ontario, CA commute time compare with the average driver? In Ontario, the average commute is 31.6 minutes.

Ontario, CA Car Insurance Quotes

Compare Ontario, CA car insurance quotes from multiple companies by entering your ZIP code now.