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Best cheap car insurance in Fontana

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Car insurance rates in Fontana, California are above the national average, which means drivers need as many resources as possible to find the best car insurance companies offering the cheapest rates here. The average cost of car insurance in Fontana is $752 for minimum coverage annually, and $2,113 for full coverage annually.

Bankrate examined rate information compiled by Quadrant Information Services and compared multiple carriers with one another. Not only were rates reviewed, but the financial strength ratings, coverage options and availability of discounts were also compared.

Best car insurance companies in Fontana

Drivers can rest assured there are multiple carriers offering both award-winning advantages and competitive rates in order to determine the best car insurance in Fontana.

Insurance company J.D. Power score
California region
Average annual premium for minimum coverage Average annual premium for full coverage
Geico 828 / 1,000 $578 $1,738
AAA 848 / 1,000 $583 $1,958
Mercury 787 / 1,000 $600 $1,621
Wawanesa 853 / 1,000 $651 $1,621


Geico is a national carrier offering a wide range of coverages and discounts. If you want to save further on your premiums with Geico, you may be eligible for discounts such as bundling with your homeowners or renters insurance, or enrolling in a defensive driver course. Once you have signed up for a policy, you will have access to the highly-rated Geico app where you easily manage your policy from your smartphone.


In California, the AAA affiliate is the Auto Club of Southern California. Not only is it one of the least expensive rate quotes, but AAA rates extremely high among the carriers on the J.D. Power survey. AAA offers the standard coverage options, such as comprehensive and collision, but also offers rental reimbursement as an option to round out your policy.


Mercury does score well-below industry average with the 2020 J.D. Power survey, however it is worth noting because of the competitive rates it offers. Mercury offers a full suite of coverage options and discounts, and is geared toward high-risk drivers, such as those with a DUI on their record. The A rating from AM Best highlights the company’s financial strength within the industry.


A local carrier, Wawanesa offers the same numerous coverage options and discounts you find with bigtime insurance companies. It also scores the highest rating for overall customer satisfaction with the 2020 J.D. Power survey. While Wawanesa offers the standard coverages you expect, there are unique features available too such as the vehicle manufacturer replacement parts optional coverage. This pays extra towards the use of original equipment manufacturer parts for repairs and replacement.

Cheapest car insurance in Fontana

Drivers in Fontana may need to find coverage that is as affordable as possible, since the average premiums are $752 per year for minimum coverage, and $2,113 per year for full coverage. Compared to the overall average in California of $2,065 per year for full coverage, the average car insurance costs in Fontana are slightly above average. On a national level, drivers pay an average of $1,674 per year, highlighting how much more drivers in this area are paying.

Bankrate analyzed the rates and features of a number of carriers and found Geico, AAA, Mercury, Travelers and Progressive had the lowest average rates. Additionally, each carrier has at least an A rating from AM Best, showcasing the financial strength of each one. These five carriers listed are generous with discounts too, which gives drivers in Fontana more opportunities to save.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $578 $1,738
AAA $583 $1,958
Mercury $600 $1,621
Travelers $674 $1,880
Progressive $678 $1,838

Fontana insurance requirements

California, like other states, requires drivers to carry minimum liability insurance to legally drive. This includes 15/30/5 in liability coverage, which is:

  • $15,000 for injury or death to one person
  • $30,000 for injury or death to more than one person
  • $5,000 for damage to property per accident

Purchasing the bare minimum may not be robust enough coverage for drivers though. For instance, uninsured motorist coverage is optional, but could be beneficial for Californians. California has the tenth highest uninsured motorist rate in the country, so adding this option may pay more towards expenses if you are involved in an accident with someone who does not have insurance.

Car insurance discounts in Fontana

Car insurance discounts in Fontana are plentiful, with most carriers offering additional ways to save on premiums. Taking advantage of as many discounts as possible is an easy way to expand your savings. This could include using discounts such as:

  • Paperless: If you choose to receive your statements electronically, versus through snail mail, you may be eligible for additional savings.
  • Multiple-vehicles: If you have more than one vehicle in your household, a multi-vehicle discount is offered by many carriers when you choose the company for all auto insurance policies.
  • Good student: If you earn top grades in your classes then you could be rewarded with lower premiums thanks to potential Good Student discounts.
  • Bundling: If you purchase your auto insurance policy through the same carrier where you bought your homeowners or renters policy, then you may be eligible for a bundling discount.

Frequently asked questions

What is the best car insurance company?

Bankrate has conducted extensive research to determine the best car insurance company in Fontana, which includes analyzing rates, customer service ratings, financial strength and coverages and discounts offered. Based on this information, Geico, Amica and USAA are carriers with the highest marks.

How much does car insurance in Fontana cost?

The average cost of car insurance in Fontana is $752 for minimum coverage annually, and $2,113 for full coverage annually. However, your rates could be higher or lower depending on your personal factors, such as vehicle and zip code.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar,, and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.