Cheapest Car Insurance In Ontario, CA 2025
In Ontario, the cheapest minimum car insurance comes from Progressive, costing about $40 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for affordable auto insurance in Ontario, CA, you’ll notice the prices vary widely.
Progressive stands out as the cheapest option for liability-only policies. AAA leads in affordable full coverage, and Progressive again has the best rates for younger drivers.
Cheapest Car Insurance Companies In Ontario, CA 2025
Cheapest Liability-only Car Insurance In Ontario: Progressive
For minimum coverage in Ontario, Progressive has the cheapest insurance, with an average monthly price of $40.
Look at the table below to compare rates offered by different insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $40 | $480 |
| GEICO | $46 | $552 |
| CIG | $53 | $636 |
| Farmers | $55 | $660 |
| Kemper | $46 | $552 |
Cheapest Full Coverage Insurance Rates In Ontario: AAA
For full coverage, AAA has the best rates, charging about $115 a month in Ontario.
This table compares typical car insurance prices from low-cost insurers in Ontario.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $115 | $1,380 |
| GEICO | $120 | $1,440 |
| Kemper | $118 | $1,416 |
| Hartford | $127 | $1,524 |
| State National | $122 | $1,464 |
Cheapest Car Insurance Rates For Seniors: Progressive
Seniors in Ontario can get the most affordable car insurance from Progressive, with average rates of $67 per month.
This table compares average quotes from budget-friendly auto insurers catering to seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $67 | $804 |
| State Farm | $83 | $996 |
| GEICO | $79 | $948 |
| Mercury | $91 | $1,092 |
| Kemper | $97 | $1,164 |
Cheapest Rates In Ontario For Teenagers: Farmers
For teenage drivers in Ontario, Farmers has the most affordable insurance, costing about $249 a month.
This table highlights companies with the most affordable insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farmers | $249 | $2,988 |
| CIG | $262 | $3,144 |
| Allstate | $278 | $3,336 |
| State Farm | $255 | $3,060 |
| GEICO | $275 | $3,300 |
Cheapest Auto Insurance For Young Adults in Ontario: Progressive
Young adults in Ontario can get the most affordable insurance from Progressive, with average rates of $80 a month.
Check the table below to see the most affordable car insurance rates for young adults in Ontario.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $80 | $960 |
| CIG | $99 | $1,188 |
| National General | $110 | $1,320 |
| AAA | $109 | $1,308 |
| Kemper | $122 | $1,464 |
Cheapest Car Insurance In Ontario For Good Drivers: Progressive
In Ontario, Progressive provides the most affordable car insurance for good drivers, with monthly rates near $40.
The table below lists average insurance quotes from budget-friendly companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $40 | $480 |
| GEICO | $46 | $552 |
| CIG | $53 | $636 |
| Farmers | $55 | $660 |
| Kemper | $46 | $552 |
Find affordable Ontario rates
Cheapest Car Insurance In Ontario After A Speeding Ticket: National General
Drivers with a speeding ticket in Ontario can get low rates from National General, with an average monthly cost of $126.
Check the table below to find typical insurance costs for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $126 | $1,512 |
| GEICO | $175 | $2,100 |
| Kemper | $155 | $1,860 |
| AAA | $149 | $1,788 |
| Capital Insurance Group | $140 | $1,680 |
Cheapest For Drivers With After At-Fault Accident: Capital Insurance Group
In cases of at-fault accidents, Capital Insurance Group provides the most affordable car insurance, costing about $143 per month.
Here’s a list of insurers with the cheapest car insurance rates for drivers who caused an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Capital Insurance Group | $143 | $1,716 |
| Farmers | $269 | $3,228 |
| GEICO | $195 | $2,340 |
| Progressive | $194 | $2,328 |
| State National | $175 | $2,100 |
Cheapest Rates In Ontario For Drivers After A DUI: National General
National General has the most affordable rates for Ontario drivers after a DUI, with monthly premiums averaging $126.
Drivers in Ontario with a DUI can compare the cheapest insurance options using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $126 | $1,512 |
| Progressive | $220 | $2,640 |
| Mercury | $209 | $2,508 |
| Capital Insurance Group | $218 | $2,616 |
| Farmers | $334 | $4,008 |
Best Car Insurance Companies In Ontario
Progressive has the lowest insurance rate for Ontario drivers at $40 per month, with GEICO and Kemper offering competitive rates at $46 and $47.
Here are the top 10 car insurance providers in Ontario, California, sorted by how much they charge per month on average.
| Company | Monthly Premium |
| Progressive | $40 |
| GEICO | $46 |
| CIG | $53 |
| Farmers | $55 |
| Kemper | $47 |
| State National | $54 |
| Hartford | $58 |
| AAA | $52 |
| Mercury | $56 |
| Direct Auto | $70 |
Average Rates In Ontario – By Vehicle
Insurance companies base your rate in part on the car you drive. Things like the vehicle’s year, model, and design matter—especially for newer or luxury cars, which usually cost more to cover.
Use the table below to compare average insurance rates for different cars in Ontario.
| Vehicle | Average Monthly Rate |
| Toyota Rav 4 | $450 |
| Mazda 6 | $160 |
| Tesla Model Y | $3,375 |
| Volkswagen GTI | $530 |
| Chevrolet Silverado | $509 |
Average Cost Of Auto Insurance In Ontario – By Zip Code
Different zip codes have different car insurance rates because insurers consider crime statistics in those areas.
The table below shows average car insurance rates for different Ontario zip codes.
| City | Average Monthly Rate |
| 91764 | $148 |
| 91754 | $73 |
| 91761 | $151 |
| 91766 | $119 |
| 91762 | $158 |
How Much Is Car Insurance In Other Cities in California?
Car insurance prices are influenced a lot by the city you live in. Areas with more accidents, car theft, and vandalism, like cities, often come with higher insurance costs.
In Lynwood, the average monthly car insurance premium is $193, whereas San Diego residents pay roughly $150.
| City | Average Monthly Rate |
| Jurupa Valley | $159 |
| San Diego | $150 |
| Bakersfield | $157 |
| Culver City | $185 |
| Anderson | $129 |
| Pleasanton | $138 |
| Lynwood | $193 |
| Norwalk | $176 |
| Redlands | $155 |
| Lancaster | $176 |
Average Rates In Ontario – By Age
Insurance companies consider age when setting premiums, and younger drivers tend to pay more. Teens, in particular, see high premiums—around $2,576 a year—due to higher risk levels.
Insurance rates generally drop when drivers hit 25, provided they have a good driving history.
The most affordable car insurance is usually available to drivers in their 50s and early 60s, thanks to their experience behind the wheel.
| Age | Average Yearly Rate |
| Teenagers | $2,576 |
| 20s | $2,083 |
| 30s | $1,605 |
| 40s | $1,796 |
| 50s | $1,744 |
| 60s | $2,465 |
| 70s | $1,651 |
Find affordable Ontario rates
Our Methodology
I’ve compiled an in-depth guide to car insurance in Ontario, CA, based on factors like service quality, product variety, pricing, and a wide range of online reviews.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Ontario?
Progressive provides the most affordable minimum coverage in Ontario, while AAA leads with the cheapest full coverage that includes comprehensive and collision.
What is the average cost of car insurance in Ontario?
The average car insurance premium in Ontario is roughly $160 per month, but your rate may vary based on zip code, vehicle details, and driving history.
