Cheapest Car Insurance Quotes in Fontana

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Fontana Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Fontana

The car insurance rate in Fontana is $1249 for a six-month policy, which is $134 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $719, making it a popular choice for budget-conscious drivers. Rates in Fontana can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Fontana

$1249

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in Fontana

1st place: CSAA

At $719 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $964 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA SoCal

AAA SoCal offers auto insurance rates at $1057 for six months, making it the third cheapest auto insurance company in Fontana.

Fontana Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fontana, CA is CSAA, offering policies at just $719 for a six-month term. This is followed by Mercury, which has an average six-month premium of $964.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1537 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fontana drivers find the best deals.

Cheap Car Insurance Companies in Fontana, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$719	$121
Mercury	$964	$162
AAA SoCal	$1057	$176
Progressive	$1111	$187
USAA	$1177	$198
Allstate	$1217	$205
Wawanesa	$1224	$206
AAA NorCal	$1238	$211
Auto Club	$1277	$213
State Farm	$1351	$227
Kemper	$1590	$265
Farmers	$1776	$302
AAA	$1537	$256

Key Takeaways

Way's key takeaways about car insurance in Fontana

The auto insurance costs in Fontana fall around $719 for six months.
The cheapest auto insurance company in Fontana is CSAA.
Teen drivers pay the highest rate in Fontana at $653 per month.

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Cheapest Minimum Liability Car Insurance in Fontana

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Fontana are given below.

CSAA provides the cheapest minimum car insurance coverage in Fontana. Their Average 6 Month Premium is $172. Farmers is the most expensive at $566 for the same period.

Cheapest Liability Coverage in Fontana, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$172	$29
USAA	$319	$54
AAA NorCal	$333	$56
AAA SoCal	$380	$65
Progressive	$386	$65
Auto Club	$392	$67
State Farm	$405	$68
Wawanesa	$412	$69
Mercury	$439	$74
AAA	$473	$81
Allstate	$473	$80
Farmers	$566	$96

Cheapest Full Coverage Car Insurance in Fontana

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Fontana is CSAA at $121 per month and $719 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fontana, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$719	$121
Mercury	$964	$162
AAA SoCal	$1057	$176
Progressive	$1111	$187
USAA	$1177	$198
Allstate	$1217	$205
Wawanesa	$1224	$206
AAA NorCal	$1238	$211
Auto Club	$1277	$213
State Farm	$1351	$227
Kemper	$1590	$265
Farmers	$1776	$302
AAA	$1537	$256

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Average Car Insurance in Fontana by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Fontana, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Fontana, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Fontana's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Fontana

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$655
30s	Wawanesa	$529
40s	Wawanesa	$529
50s	Wawanesa	$529
60s	Wawanesa	$529
70s	Wawanesa	$517

Cheapest Car Insurance Rates for Teen Drivers in Fontana,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Fontana at $77 per month. At $3919 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$466	$77
Capital Insurance Group	$586	$100
USAA	$1397	$235
Mercury	$1417	$239
Wawanesa	$1557	$260
Progressive	$1630	$274
CSAA	$1962	$330
State Farm	$2328	$392
AAA SoCal	$2521	$420
Allstate	$2701	$455
Auto Club	$2881	$480
AAA NorCal	$3838	$653
Farmers	$3919	$653

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Fontana.

As young drivers face the highest rates in Fontana, Wawanesa offers the cheapest auto insurance rates at $655 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Fontana.

Car Insurance Rates with An Accident in Fontana

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Fontana, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Fontana

The cheapest car insurance companies after an at-fault accident in Fontana include AAA and Capital Insurance Group, offering $419 and $612, respectively. Allstate is an expensive provider with an average six-month premium of $3014.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$419	$69
Capital Insurance Group	$612	$104
CSAA	$819	$138
Mercury	$1184	$199
USAA	$1224	$206
Progressive	$1417	$239
Wawanesa	$1729	$288
AAA SoCal	$1817	$309
Auto Club	$1916	$319
Farmers	$1969	$332
State Farm	$2342	$394
AAA NorCal	$2508	$427
Allstate	$3014	$507

Fontana Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fontana CA. For example, the car insurance in Fontana after a DUI increases to $1949 for a six month policy. While the rate increases by $512 for a six-month policy in the case of a speeding ticket.

Fontana auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1217	$203
Not-at-fault accident	$1217	$207
One comp claim	$1217	$203
One Med/PIP claim	$1217	$207
Two comp claims	$1217	$203
Two Med/PIP claims	$1217	$207
At-fault accident - less than $1000	$1244	$207
Failure to show documents	$1604	$272
Driving with expired registration	$1636	$273
Driving without lights	$1636	$278
Failure to wear a seat belt	$1643	$274
Child safety restraint	$1656	$281
Speeding 11 - 15 MPH over limit	$1723	$287
Speeding 16 - 20 MPH over limit	$1723	$293
Driving too slowly	$1729	$288
Failure to stop at a red light	$1729	$295
Failure to yield	$1729	$288
Following too closely	$1729	$295
Illegal turn	$1729	$288
In 65 MPH zone	$1729	$295
Speeding 21 - 25 MPH over limit	$1729	$288
Speeding 6 - 10 MPH over limit	$1729	$295
Speeding in school zone	$1729	$288
Improper passing	$1736	$296
Cell phone violation	$1743	$290
Texting while driving	$1743	$297
Passing school bus	$1763	$293
Wrong way/wrong lane	$2062	$351
Operating a vehicle without permission	$2109	$352
At-fault accident - $1000-$2000	$2122	$361
At-fault accident - greater than $2000	$2122	$354
Open container	$2129	$362
Driving with a suspended license	$2468	$411
Reckless driving	$3007	$512
Racing	$3041	$506
Leaving scene of an accident/hit and run	$3053	$520
DUI	$3166	$528
Refusal to submit to a chemical test	$3166	$539

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Fontana after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Fontana.

The cheapest car insurance premiums in Fontana are offered by Capital Insurance Group at $912 for a six-month policy. However, it can be as expensive as $838 with companies like AAA.

Fontana car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$912	$155
Mercury	$1084	$183
Travelers	$1264	$215
Progressive	$1604	$270
Wawanesa	$1949	$332
Farmers	$2069	$348
USAA	$2202	$371
CSAA	$2328	$392
AAA SoCal	$3367	$572
Auto Club	$3852	$642
AAA NorCal	$4437	$755
State Farm	$4736	$797
Allstate	$4876	$821
AAA	$838	$142

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Fontana are offered by CSAA at $106. However, it can be as expensive as $2514 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fontana after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$106	$18
Capital Insurance Group	$586	$100
Mercury	$998	$168
USAA	$1045	$178
Progressive	$1124	$189
AAA NorCal	$1557	$264
AAA SoCal	$1670	$278
Allstate	$1717	$292
State Farm	$1817	$302
Farmers	$2514	$428

Car Insurance Price Trends in Fontana, California

Car insurance rates in Fontana have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Fontana remained steady at $215 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Fontana rose to $62 in December, compared to $60 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Fontana?

The car insurance in Fontana is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Fontana?

The cheapest car insurance in Fontana is $121 per month for full coverage.

How much is car insurance in Fontana for teenagers?

Car insurance for teenagers costs $466 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Fontana?

The average cost of car insurance is $1115 for a six-month policy. It will cost around $209 per month to insure your car in Fontana.

Is car insurance expensive in Fontana?

Car insurance can be expensive in Fontana if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Fontana can be affordable.

Cheapest Car Insurance Quotes in Fontana

Why you can trust Way?

How Much Is Car Insurance in Fontana

Avg. Car Insurance in Fontana

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Fontana

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

Fontana Car Insurance Rates by Company

Cheap Car Insurance Companies in Fontana, CA

Way's key takeaways about car insurance in Fontana

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fontana

Cheapest Liability Coverage in Fontana, CA

Cheapest Full Coverage Car Insurance in Fontana

Cheapest Full Coverage Car Insurance Quotes in Fontana, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fontana by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Fontana, CA increasing?

Car Insurance Premiums by Age in Fontana

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fontana,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Fontana.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Fontana

Cheapest Car Insurance Companies after an At-Fault Accident in Fontana

Fontana Car Insurance Rates by Violation

Fontana auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fontana after a DUI

Fontana car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fontana after Speeding ticket

Car Insurance Price Trends in Fontana, California

Average Car Insurance Cost in Fontana by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fontana, CA

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources