Cheapest Car Insurance Quotes in Ontario

Finding the cheapest car insurance quotes in Ontario shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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401,895 Policies Sold

Ontario 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 Ontario

The car insurance rate in Ontario is $1238 for a six-month policy, which is $123 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $713, making it a popular choice for budget-conscious drivers. Rates in Ontario 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 Ontario

$1238

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in Ontario

1st place: CSAA

At $713 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $956 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 $1048 for six months, making it the third cheapest auto insurance company in Ontario.

Ontario Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ontario, CA is CSAA, offering policies at just $713 for a six-month term. This is followed by Mercury, which has an average six-month premium of $956.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1523 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ontario drivers find the best deals.

Cheap Car Insurance Companies in Ontario, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$713	$120
Mercury	$956	$161
AAA SoCal	$1048	$174
Progressive	$1101	$185
USAA	$1167	$196
Allstate	$1207	$203
Wawanesa	$1213	$204
AAA NorCal	$1227	$209
Auto Club	$1265	$211
State Farm	$1339	$225
Kemper	$1576	$263
Farmers	$1760	$300
AAA	$1523	$254

Key Takeaways

Way's key takeaways about car insurance in Ontario

The auto insurance costs in Ontario fall around $713 for six months.
The cheapest auto insurance company in Ontario is CSAA.
Teen drivers pay the highest rate in Ontario at $647 per month.

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Cheapest Minimum Liability Car Insurance in Ontario

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 Ontario are given below.

CSAA provides the cheapest minimum car insurance coverage in Ontario. Their Average 6 Month Premium is $171. Farmers is the most expensive at $561 for the same period.

Cheapest Liability Coverage in Ontario, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$171	$29
USAA	$316	$53
AAA NorCal	$330	$56
AAA SoCal	$376	$64
Progressive	$383	$64
Auto Club	$389	$67
State Farm	$402	$68
Wawanesa	$408	$69
Mercury	$435	$73
AAA	$468	$80
Allstate	$468	$79
Farmers	$561	$95

Cheapest Full Coverage Car Insurance in Ontario

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 Ontario is CSAA at $120 per month and $713 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ontario, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$713	$120
Mercury	$956	$161
AAA SoCal	$1048	$174
Progressive	$1101	$185
USAA	$1167	$196
Allstate	$1207	$203
Wawanesa	$1213	$204
AAA NorCal	$1227	$209
Auto Club	$1265	$211
State Farm	$1339	$225
Kemper	$1576	$263
Farmers	$1760	$300
AAA	$1523	$254

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Average Car Insurance in Ontario 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 Ontario, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Ontario, 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, Ontario's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ontario

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	$649
30s	Wawanesa	$524
40s	Wawanesa	$524
50s	Wawanesa	$524
60s	Wawanesa	$524
70s	Wawanesa	$513

Cheapest Car Insurance Rates for Teen Drivers in Ontario,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Ontario at $77 per month. At $3884 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$462	$77
Capital Insurance Group	$581	$99
USAA	$1384	$233
Mercury	$1404	$236
Wawanesa	$1543	$258
Progressive	$1615	$272
CSAA	$1945	$327
State Farm	$2308	$389
AAA SoCal	$2499	$416
Allstate	$2677	$451
Auto Club	$2855	$476
AAA NorCal	$3804	$647
Farmers	$3884	$647

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 Ontario.

As young drivers face the highest rates in Ontario, Wawanesa offers the cheapest auto insurance rates at $649 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 Ontario.

Car Insurance Rates with An Accident in Ontario

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 Ontario, CA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Ontario include AAA and Capital Insurance Group, offering $415 and $606, respectively. Allstate is an expensive provider with an average six-month premium of $2987.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$415	$69
Capital Insurance Group	$606	$103
CSAA	$811	$137
Mercury	$1173	$198
USAA	$1213	$204
Progressive	$1404	$236
Wawanesa	$1714	$285
AAA SoCal	$1800	$306
Auto Club	$1899	$316
Farmers	$1951	$329
State Farm	$2321	$391
AAA NorCal	$2485	$423
Allstate	$2987	$503

Ontario Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ontario CA. For example, the car insurance in Ontario after a DUI increases to $1931 for a six month policy. While the rate increases by $507 for a six-month policy in the case of a speeding ticket.

Ontario auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1207	$201
Not-at-fault accident	$1207	$205
One comp claim	$1207	$201
One Med/PIP claim	$1207	$205
Two comp claims	$1207	$201
Two Med/PIP claims	$1207	$205
At-fault accident - less than $1000	$1233	$205
Failure to show documents	$1590	$270
Driving with expired registration	$1622	$271
Driving without lights	$1622	$275
Failure to wear a seat belt	$1628	$272
Child safety restraint	$1642	$279
Speeding 11 - 15 MPH over limit	$1707	$284
Speeding 16 - 20 MPH over limit	$1707	$291
Driving too slowly	$1714	$285
Failure to stop at a red light	$1714	$292
Failure to yield	$1714	$285
Following too closely	$1714	$292
Illegal turn	$1714	$285
In 65 MPH zone	$1714	$292
Speeding 21 - 25 MPH over limit	$1714	$285
Speeding 6 - 10 MPH over limit	$1714	$292
Speeding in school zone	$1714	$285
Improper passing	$1721	$293
Cell phone violation	$1727	$287
Texting while driving	$1727	$294
Passing school bus	$1747	$291
Wrong way/wrong lane	$2044	$347
Operating a vehicle without permission	$2090	$349
At-fault accident - $1000-$2000	$2103	$357
At-fault accident - greater than $2000	$2103	$351
Open container	$2110	$359
Driving with a suspended license	$2446	$407
Reckless driving	$2980	$507
Racing	$3014	$502
Leaving scene of an accident/hit and run	$3026	$515
DUI	$3138	$523
Refusal to submit to a chemical test	$3138	$534

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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 Ontario 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 Ontario.

The cheapest car insurance premiums in Ontario are offered by Capital Insurance Group at $904 for a six-month policy. However, it can be as expensive as $830 with companies like AAA.

Ontario car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$904	$153
Mercury	$1074	$181
Travelers	$1253	$213
Progressive	$1590	$268
Wawanesa	$1931	$329
Farmers	$2050	$345
USAA	$2182	$367
CSAA	$2308	$389
AAA SoCal	$3337	$567
Auto Club	$3817	$636
AAA NorCal	$4398	$748
State Farm	$4694	$790
Allstate	$4833	$814
AAA	$830	$141

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 Ontario are offered by CSAA at $105. However, it can be as expensive as $2492 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ontario after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$105	$18
Capital Insurance Group	$581	$99
Mercury	$989	$167
USAA	$1036	$176
Progressive	$1114	$188
AAA NorCal	$1543	$262
AAA SoCal	$1655	$275
Allstate	$1702	$290
State Farm	$1800	$300
Farmers	$2492	$424

Car Insurance Price Trends in Ontario, California

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

The average cost of full coverage in the Ontario remained steady at $213 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Ontario rose to $61 in December, compared to $60 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Ontario?

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

What is the cheapest car insurance in Ontario?

The cheapest car insurance in Ontario is $120 per month for full coverage.

How much is car insurance in Ontario for teenagers?

Car insurance for teenagers costs $462 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 Ontario?

The average cost of car insurance is $1115 for a six-month policy. It will cost around $208 per month to insure your car in Ontario.

Is car insurance expensive in Ontario?

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

Cheapest Car Insurance Quotes in Ontario

Why you can trust Way?

How Much Is Car Insurance in Ontario

Avg. Car Insurance in Ontario

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Ontario

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

Ontario Car Insurance Rates by Company

Cheap Car Insurance Companies in Ontario, CA

Way's key takeaways about car insurance in Ontario

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ontario

Cheapest Liability Coverage in Ontario, CA

Cheapest Full Coverage Car Insurance in Ontario

Cheapest Full Coverage Car Insurance Quotes in Ontario, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ontario by Rating Factor

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

Car Insurance Premiums by Age in Ontario

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ontario,CA

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

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 Ontario

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

Ontario Car Insurance Rates by Violation

Ontario auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ontario after a DUI

Ontario car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ontario after Speeding ticket

Car Insurance Price Trends in Ontario, California

Average Car Insurance Cost in Ontario by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ontario, CA

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

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