Skip to main content

Find Cheap Car Insurance in Ontario, CA

Learn More about Auto Insurance in Ontario, California

Located in San Bernardino County, Ontario is no ordinary city. This city offers the best of both worlds – an engaging lifestyle coupled with a warm, close-knit community feel. Additionally, it is home to the Ontario International Airport, making it a regional hotspot for travel. Beyond that, Ontario boasts several popular attractions. You won’t want to miss the Ontario Museum of History and Art for a dose of local culture, or the Cucamonga-Guasti Regional Park for a breath of fresh SoCal air. There’s also Ontario Mills for shopaholics and the Chino Planes of Fame Air Museum for history buffs. It truly is the city that keeps on giving!

If you’re driving in Ontario or anywhere in California, it’s important to know that having auto insurance is a requirement. Acceptance Insurance offers competitively priced coverage options, perfect for those who may not have a spotless driving record. Keep reading to discover everything about car insurance in California, including how to get the best discounts to save while driving with total peace of mind.

How Much Does Car Insurance Cost in Ontario, CA?

The typical cost for obligatory liability auto insurance in Ontario averages out to about $56 per month. This is just a smidge higher – about $4 – than the national average at $52. It’s even a little bit more, $3 to be exact, than the California statewide average of $53.

For Ontario drivers who opt for full auto insurance experience, you’re generally starting at a monthly rate close to $209. This puts you $19 ahead of the Golden State’s average of $190, and it places you $41 above the overall national cost, which averages out at $168 per month.

Ready to Get a Quick Quote?

Why Insurance is so Expensive in California

Living in California certainly has its perks, but you’re probably constantly wondering why your car insurance is going up. The state’s high cost of living directly impacts everything from repair costs to the price of healthcare, all of which insurance companies consider when determining premiums. In particular, the expense involved in repairing modern, technology-packed cars can significantly drive up insurance costs.

Then there’s the issue of traffic. California’s roads are some of the busiest, thanks to its dense population and popular urban centers. This constant congestion not only increases the likelihood of accidents but also elevates the risk of vehicle theft and damage, factors that insurance providers inevitably hedge against by increasing premiums.

Another crucial aspect is the regulatory environment. California requires all drivers to have liability insurance and adheres to an ‘at-fault’ system with a comparative negligence examination. This allows for damage claims even when a driver is predominantly at fault, thereby promoting a higher volume of claims and pushing up insurance rates.

Natural factors, such as wildfires and earthquakes, further justify these higher premiums as insurers strive to manage the financial risks associated with these disasters. Additionally, the prevalence of high-end vehicles on Californian roads, which are expensive to repair or replace, adds another layer of cost for insurers to cover.

In essence, a combination of high living and repair costs, traffic density and risks, strict insurance regulations, natural disaster risks, and expensive vehicle preferences collectively contribute to the high car insurance rates in California. Despite these challenges, it is indeed possible to find the best possible coverage that balances comprehensive protection with affordability. Talk to your local agent to help you achieve it.

Compare Car Insurance Rates by City in California

Check out the comparison of Ontario’s car insurance rates with other California cities below.

Scroll for more
City Full Coverage Insurance Liability  Insurance Coverage
Ontario $224 $62
San Francisco $218 $56
Pacoima $238 $68
Norwalk $202 $55
San Diego $168 $42

Compare Car Insurance Rates by Zip Code in Ontario

Factors like your location can affect insurance costs. Busy city life with constant traffic may raise your rates due to increased accident risk. So, regular city drivers might pay more than those from quieter areas.

Ontario features six standard ZIP codes. The table below details costs for full coverage and the Golden State’s minimum requirements in each.

Scroll for more
Zip Full Coverage Insurance Liability  Insurance Coverage
91710 $189 $52
91758 $209 $56
91761 $191 $51
91762 $196 $55
91764 $198 $54
91786 $193 $55

Low-Cost Car Insurance Rates by Age in Ontario

Age impacts insurance costs significantly, especially for young drivers who often face higher rates. However, more driving experience and a clean record can reduce these costs.

Want specifics? The chart below shows how Ontario residents’ insurance expenses change with age.

Scroll for more
Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $532 $153
20s $318 $88
30s $191 $51
40s $180 $49
50s $174 $48
60s $169 $47
70s $183 $53

To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

Typical Driving Conditions in Ontario

How Many Fatal Accidents Happen Per Year in Ontario, CA?

Based on the Traffic Safety Facts Annual Reports from the National Highway Traffic Safety Administration (NHTSA), the city of Ontario has seen an upward trend in annual traffic accidents.

In 2019, traffic accidents sadly resulted in 9 fatalities, including 3 pedestrians. This figure rose to 20 in 2020, with pedestrians accounting for 6 of these. Unfortunately, 2021 saw further increase with 23 lives lost, 7 of whom were pedestrians.

Are Road Infrastructure and Bridges in Ontario well maintained?

Ontario’s road and bridge infrastructure is undergoing extensive improvements. Notably, a key part of this process is the Civic Center Campus Expansion project, designed to modernize facilities, attract more people downtown, and optimize space.

The plans include constructing a new City Services Building, Parking Structure, and a new Fire Station. Also, it will house the University of La Verne College of Health and Community Well-Being and the future Ontario-Montclair School District Headquarters. These enhancements will be complete by the end of 2025, with further projects planned across the next 20 years for continuous city transformation.

Minimum Car Insurance Requirements in Ontario

Under California law, everyone driving must carry a liability car insurance policy that covers:

  • A minimum of $15,000 for bodily injury or death liability insurance per person in an accident, and this goes up to at least $30,000 in total for every accident that happens.
  • And, you’ve got to have at least $5,000 earmarked for property damage liability insurance.

So, before you cruise down those beautiful California streets, make sure your insurance game is on point with these basics.

What Are the Penalties for Driving Without Auto Insurance in Ontario, California?

Did you realize that driving without car insurance or letting your policy lapse can lead to a Class C misdemeanor in California? The Golden State takes car insurance violations very seriously.

Imagine this – you’re pulled over and you don’t have proof of insurance:

  • On your first offense, you could face a fine from $100 to $200.
  • Been caught more than once in a three-year span? The fines ramp up, ranging from $300 to $500.
  • Even worse, your car could be seized until you can provide proof of valid insurance.
  • And the icing on the cake? The state could suspend your car registration.

To avoid any headaches, the best thing you can do is protect yourself and clear up any common questions about auto insurance with the help of your local agent.

Looking for a Local Office? Find an Office Near You

Factors Considered for Determining Car Insurance Rates in Ontario

There’s a whole list of factors that affect auto insurance rates, and it’s not just about your age or address. Insurance companies dive deep into details you might not expect, examining factors like:

  • Your education levels
  • Whether you’re married or not
  • The type of car you drive
  • How high or low your deductible is
  • Your gender
  • What you do for a living

What Happens if I Damage Property?

If you accidentally back your car into a fence or run into someone’s storefront, no need to freak out! That’s exactly what your liability insurance is for — it covers the cost of fixing the property you damaged, within the bounds of your policy, of course. But here’s the kicker – it won’t take care of any repairs your own vehicle needs.

It’s vital to know that full coverage handles all the expenses related to damage on your vehicle. Minimal liability, on the other hand, only covers damage done to other people’s property. So, if your vehicle takes a hit, you’ll have to dip into your own funds for those repairs.

Top Ways to Save on Car Insurance in Ontario, CA

There are many smart ways to obtain lower auto insurance premiums and your savings could multiply if you qualify for more than one discount available for your automobile coverage.

Some of the most popular types of car insurance discounts in Ontario include:

  • Pay-in-Full Car Insurance Discount
  • Good Driver Insurance Discount
  • Multi-Vehicle Discount
  • Good Student Auto Insurance Discount
  • Anti-Theft Device Car Insurance Discount
  • Low Mileage Auto Insurance Discount
  • Loyalty Auto Insurance Discount
5 millions plus live agents avaible, 510 plus ratail locations, 500 plus customers per year

Obtain Your Car Insurance Quote in Ontario Today!

Unlock cheap car insurance tailored for you at Acceptance Insurance, no matter your driving history. Grab a free insurance quote online, call 877-405-7102, or visit our nearby office for a personal touch. We’re committed to offering exceptional service, supporting you every step of the way.

Get Started