Cheapest Car Insurance Quotes in Rancho Cucamonga

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Rancho Cucamonga Car Insurance

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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 Rancho Cucamonga

The car insurance rate in Rancho Cucamonga is $1357 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $700, making it a popular choice for budget-conscious drivers. Rates in Rancho Cucamonga 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 Rancho Cucamonga

$1357

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Rancho Cucamonga

1st place: CSAA

At $700 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1121 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1139 for six months, making it the third cheapest auto insurance company in Rancho Cucamonga.

Rancho Cucamonga Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rancho Cucamonga, CA is CSAA, offering policies at just $700 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1121.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1495 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rancho Cucamonga drivers find the best deals.

Cheap Car Insurance Companies in Rancho Cucamonga, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$700	$118
Mercury	$1121	$189
AAA NorCal	$1139	$194
Progressive	$1139	$192
Wawanesa	$1191	$201
USAA	$1211	$204
Auto Club	$1243	$211
Allstate	$1385	$233
AAA SoCal	$1463	$249
Kemper	$1548	$258
State Farm	$1658	$279
Travelers	$1852	$308
Farmers	$1858	$316
AAA	$1495	$250

Key Takeaways

Way's key takeaways about car insurance in Rancho Cucamonga

The auto insurance costs in Rancho Cucamonga fall around $700 for six months.
The cheapest auto insurance company in Rancho Cucamonga is CSAA.
Teen drivers pay the highest rate in Rancho Cucamonga at $657 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Rancho Cucamonga

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 Rancho Cucamonga are given below.

CSAA provides the cheapest minimum car insurance coverage in Rancho Cucamonga. Their Average 6 Month Premium is $168. Travelers is the most expensive at $712 for the same period.

Cheapest Liability Coverage in Rancho Cucamonga, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$168	$28
AAA NorCal	$278	$47
USAA	$317	$53
Progressive	$376	$63
Auto Club	$382	$63
Wawanesa	$401	$68
AAA	$460	$76
AAA SoCal	$467	$80
Mercury	$467	$78
State Farm	$511	$86
Allstate	$590	$99
Farmers	$634	$108
Travelers	$712	$119

Cheapest Full Coverage Car Insurance in Rancho Cucamonga

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 Rancho Cucamonga is CSAA at $118 per month and $700 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rancho Cucamonga, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$700	$118
Mercury	$1121	$189
AAA NorCal	$1139	$194
Progressive	$1139	$192
Wawanesa	$1191	$201
USAA	$1211	$204
Auto Club	$1243	$211
Allstate	$1385	$233
AAA SoCal	$1463	$249
Kemper	$1548	$258
State Farm	$1658	$279
Travelers	$1852	$308
Farmers	$1858	$316
AAA	$1495	$250

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Average Car Insurance in Rancho Cucamonga 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 Rancho Cucamonga, CA increasing?

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

Car Insurance Premiums by Age in Rancho Cucamonga

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	$654
30s	Wawanesa	$528
40s	Wawanesa	$528
50s	Wawanesa	$528
60s	Wawanesa	$528
70s	Wawanesa	$517

Cheapest Car Insurance Rates for Teen Drivers in Rancho Cucamonga,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Rancho Cucamonga at $77 per month. At $3943 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$453	$77
Capital Insurance Group	$570	$95
USAA	$1482	$250
Wawanesa	$1515	$253
Progressive	$1735	$292
Mercury	$1800	$303
CSAA	$1910	$322
Auto Club	$2803	$468
State Farm	$2861	$482
Allstate	$3328	$560
AAA SoCal	$3522	$598
AAA NorCal	$3568	$594
Travelers	$3704	$630
Farmers	$3943	$657

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 Rancho Cucamonga.

As young drivers face the highest rates in Rancho Cucamonga, Wawanesa offers the cheapest auto insurance rates at $654 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 Rancho Cucamonga.

Car Insurance Rates with An Accident in Rancho Cucamonga

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rancho Cucamonga

The cheapest car insurance companies after an at-fault accident in Rancho Cucamonga include AAA and Capital Insurance Group, offering $408 and $595, respectively. Allstate is an expensive provider with an average six-month premium of $3762.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$408	$68
Capital Insurance Group	$595	$101
CSAA	$797	$134
USAA	$1308	$220
Mercury	$1431	$241
Progressive	$1495	$252
Wawanesa	$1683	$280
Auto Club	$1865	$317
Farmers	$2039	$343
AAA NorCal	$2312	$393
AAA SoCal	$2506	$417
State Farm	$2959	$498
Travelers	$3568	$594
Allstate	$3762	$633

Rancho Cucamonga Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rancho Cucamonga CA. For example, the car insurance in Rancho Cucamonga after a DUI increases to $1896 for a six month policy. While the rate increases by $498 for a six-month policy in the case of a speeding ticket.

Rancho Cucamonga auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1185	$197
Not-at-fault accident	$1185	$202
One comp claim	$1185	$197
One Med/PIP claim	$1185	$202
Two comp claims	$1185	$197
Two Med/PIP claims	$1185	$202
At-fault accident - less than $1000	$1211	$202
Failure to show documents	$1561	$265
Driving with expired registration	$1592	$266
Driving without lights	$1592	$270
Failure to wear a seat belt	$1599	$267
Child safety restraint	$1612	$274
Speeding 11 - 15 MPH over limit	$1676	$279
Speeding 16 - 20 MPH over limit	$1676	$286
Driving too slowly	$1683	$280
Failure to stop at a red light	$1683	$287
Failure to yield	$1683	$280
Following too closely	$1683	$287
Illegal turn	$1683	$280
In 65 MPH zone	$1683	$287
Speeding 21 - 25 MPH over limit	$1683	$280
Speeding 6 - 10 MPH over limit	$1683	$287
Speeding in school zone	$1683	$280
Improper passing	$1690	$288
Cell phone violation	$1696	$282
Texting while driving	$1696	$289
Passing school bus	$1716	$286
Wrong way/wrong lane	$2007	$341
Operating a vehicle without permission	$2052	$342
At-fault accident - $1000-$2000	$2066	$351
At-fault accident - greater than $2000	$2066	$344
Open container	$2072	$352
Driving with a suspended license	$2402	$400
Reckless driving	$2927	$498
Racing	$2959	$493
Leaving scene of an accident/hit and run	$2971	$506
DUI	$3081	$513
Refusal to submit to a chemical test	$3081	$524

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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 Rancho Cucamonga 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 Rancho Cucamonga.

The cheapest car insurance premiums in Rancho Cucamonga are offered by Capital Insurance Group at $887 for a six-month policy. However, it can be as expensive as $815 with companies like AAA.

Rancho Cucamonga car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$887	$148
Mercury	$1269	$214
Progressive	$1683	$283
Wawanesa	$1897	$323
Farmers	$2130	$359
CSAA	$2266	$382
USAA	$2337	$393
Travelers	$2654	$447
Auto Club	$3749	$625
AAA NorCal	$4098	$697
AAA SoCal	$4597	$766
State Farm	$5834	$982
Allstate	$5944	$1001
AAA	$815	$138

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 Rancho Cucamonga are offered by CSAA at $104. However, it can be as expensive as $2849 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Rancho Cucamonga after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$104	$17
Capital Insurance Group	$570	$97
Mercury	$1224	$206
USAA	$1249	$213
Progressive	$1256	$211
AAA NorCal	$1444	$245
AAA SoCal	$2000	$334
Allstate	$2538	$432
Farmers	$2642	$440
State Farm	$2823	$480
Travelers	$2849	$475

Car Insurance Price Trends in Rancho Cucamonga, California

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

The average cost of full coverage in the Rancho Cucamonga rose by $231 in January compared to $209 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Rancho Cucamonga rose to $66 in January, compared to $60 in December. This represents an increase of $6 when comparing January and December.

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Average Car Insurance Cost in Rancho Cucamonga by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Rancho Cucamonga. At $1899 for a six-month policy, insuring your car at 91730 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
91730	$1899	$318
91737	$1547	$259
91701	$1655	$277
91739	$1655	$277

Frequently Asked Questions

How much is car insurance in Rancho Cucamonga?

The car insurance in Rancho Cucamonga is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Rancho Cucamonga?

The cheapest car insurance in Rancho Cucamonga is $118 per month for full coverage.

How much is car insurance in Rancho Cucamonga for teenagers?

Car insurance for teenagers costs $453 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 Rancho Cucamonga?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $228 per month to insure your car in Rancho Cucamonga.

Is car insurance expensive in Rancho Cucamonga?

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

Cheapest Car Insurance Quotes in Rancho Cucamonga

Why you can trust Way?

How Much Is Car Insurance in Rancho Cucamonga

Avg. Car Insurance in Rancho Cucamonga

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Rancho Cucamonga

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Rancho Cucamonga Car Insurance Rates by Company

Cheap Car Insurance Companies in Rancho Cucamonga, CA

Way's key takeaways about car insurance in Rancho Cucamonga

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rancho Cucamonga

Cheapest Liability Coverage in Rancho Cucamonga, CA

Cheapest Full Coverage Car Insurance in Rancho Cucamonga

Cheapest Full Coverage Car Insurance Quotes in Rancho Cucamonga, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rancho Cucamonga by Rating Factor

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

Car Insurance Premiums by Age in Rancho Cucamonga

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rancho Cucamonga,CA

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

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 Rancho Cucamonga

Cheapest Car Insurance Companies after an At-Fault Accident in Rancho Cucamonga

Rancho Cucamonga Car Insurance Rates by Violation

Rancho Cucamonga auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rancho Cucamonga after a DUI

Rancho Cucamonga car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rancho Cucamonga after Speeding ticket

Car Insurance Price Trends in Rancho Cucamonga, California

Average Car Insurance Cost in Rancho Cucamonga by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rancho Cucamonga, CA

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

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