The city of Fontana gets its name from the Italian word “fountain”, due to being closely situated to Santa Ana River. It is the second most populous city in San Bernardino County with 211,000 people residing here. Over 63% of families own 2-3 vehicles per household, so finding cheap car insurance is important for most Fontana drivers. In this article, we take a look at how much Fontana drivers can expect to pay for their vehicle insurance. We examined various driver profiles for people in different life stages.

Cheapest Car Insurance Companies in Fontana, CA

We conducted a study of auto insurance prices in Fontana, CA. We collected quotes from 42 insurance providers and used 5 different driver profiles. We found that you can expect to pay an average of $2,142.88 per year for car insurance in Fontana. However, it is possible to save hundreds of dollars per year if you choose one of the cheaper insurers.

Our study has found that Metromile is the cheapest insurer with a premium of $1,004. It is a newer insurance provider. It charges drivers premiums that depend on the number of miles driven. Horace Mann ranked 2nd with a premium of $1,484. The third spot was taken by USAA ($1,514). Metropolitan Direct was the fourth ($1,554) and Wawanesa is slightly more at the fifth position with a premium of $1,568.

To get these rates, we used the same driver profile for all the companies and got quotes for a standard full coverage plan. Our driver was a male that has 9 years of driving experience, drives Honda Accord 10,000 miles per year and has no violations.

CompanyAnnual Auto Insurance Rates
Average$2,142.88
Metromile$1,004
Horace Mann$1,484
USAA$1,514
Metropolitan Direct$1,554
Wawanesa$1,568
California Casualty$1,588
California Capital$1,596
Government Employees Ins Co$1,604
IDS$1,622
Alliance United$1,631
Infinity$1,659
Western General$1,660
Amica Mutual$1,663
Nations Ins. Co.$1,753
CSE Safeguard$1,771
Safeco$1,863
Progressive West$1,886
Permanent General$1,925
Encompass$1,934
Pacific Property & Casualty$1,940
Kemper$1,988
Mercury$2,034
Traveler's Commercial$2,081
Financial Indemnity$2,117
AAA$2,133
Coast National$2,172
United Financial Cas (Progressive)$2,244
MAPFRE$2,288
21st Century$2,312
National General/Integon$2,314
Esurance$2,371
Nationwide$2,444
Allstate$2,552
Safeway$2,598
Anchor General$2,662
Federal Ins (CHUBB)$2,701
State Farm$2,808
Farmers$2,939
Liberty Mutual$3,160
Hartford$3,305
Bankers Standard$3,337
Viking$4,222

Cheapest Fontana Auto Insurers for Women

Women can expect to pay slightly lower vehicle insurance premiums than men in Fontana. Our study found that on average a female driver with 9 years of experience and a clean driving record can expect to pay $2,102.17. We assumed that she drives Honda Accord 10,000 miles per year. Of course, you should not settle for this kind of premium because shopping around can save you a lot of money.

According to our car insurance premium study, Metromile is also the cheapest for our Fontana female driver at $984 per year. Metropolitan Direct comes in second at $1,388 annually. The third place is Horace Mann with a premium of $1,484. Wawanesa was the fourth least expensive option at $1,549 per year. IDS is the fifth cheapest car insurance provider for lady drivers with a premium of $1,564.

CompanyAnnual Auto Insurance Rates
Average$2,102.17
Metromile$984
Metropolitan Direct$1,388
Horace Mann$1,484
Wawanesa$1,549
IDS$1,564
Government Employees Ins Co$1,593
USAA$1,596
California Capital$1,596
Alliance United$1,599
California Casualty$1,628
Western General$1,628
Infinity$1,660
Amica Mutual$1,663
Nations Ins. Co.$1,721
Safeco$1,871
Pacific Property & Casualty$1,884
Progressive West$1,920
Encompass$1,934
Permanent General$1,945
Mercury$1,974
Kemper$1,988
National General/Integon$2,001
Traveler's Commercial$2,113
AAA$2,140
CSE Safeguard$2,164
21st Century$2,186
Financial Indemnity$2,203
Coast National$2,263
United Financial Cas (Progressive)$2,270
MAPFRE$2,288
Esurance$2,293
Anchor General$2,373
Allstate$2,455
Bankers Standard$2,506
Nationwide$2,563
Farmers$2,644
Federal Ins (CHUBB)$2,701
Safeway$2,736
State Farm$2,748
Liberty Mutual$3,032
Hartford$3,274
Viking$4,169

Cheapest Fontana Car Insurers for Young Drivers

Next, we looked at a young male driver with 3 years of driving experience. As expected less experienced drivers have to pay significantly more for their full coverage vehicle insurance. On average, a young driver with 3 years of experience can expect to pay $3,585.07 annually or almost $300 per month.

Horace Mann was the cheapest car insurer for a young Fontana driver with a premium of $1,894. Wawanesa ranked as the second-least-expensive provider with an annual premium of $1,944. USAA is the third cheapest option ($2,081). California Casualty got the number four at $2,087. Finally, Metromile was the last in the top 5 with an annual estimate of $2,210.

CompanyAnnual Auto Insurance Rates
Average$3,585.07
Horace Mann$1,894
Wawanesa$1,944
USAA$2,081
California Casualty$2,087
Metromile$2,210
Government Employees Ins Co$2,354
IDS$2,482
Bankers Standard$2,506
Metropolitan Direct$2,634
Amica Mutual$2,653
Nations Ins. Co.$2,750
California Capital$2,758
Safeco$2,807
CSE Safeguard$2,854
Pacific Property & Casualty$2,916
Encompass$3,008
AAA$3,056
Alliance United$3,068
Esurance$3,289
Progressive West$3,342
Traveler's Commercial$3,403
Permanent General$3,404
Western General$3,451
Mercury$3,606
21st Century$3,690
Kemper$3,938
Financial Indemnity$3,962
Coast National$4,288
MAPFRE$4,338
Nationwide$4,387
Safeway$4,412
United Financial Cas (Progressive)$4,432
Federal Ins (CHUBB)$4,458
Hartford$4,481
Infinity$4,553
National General/Integon$4,559
Anchor General$4,567
Liberty Mutual$4,608
Allstate$4,674
State Farm$5,083
Farmers$6,495
Viking$7,091

Cheapest Liability-Only Auto Insurance for New Drivers

Seeing how expensive full coverage can be for younger drivers, we wanted to check the price of third-party coverage for new drivers in Fontana, CA. We assumed that our driver is a male and has just 1 year of driving experience. He drives Toyota Camry for 10,000 miles a year. The biggest difference compared to the previous case was that we got quotes for a basic liability-only policy instead of a full coverage plan.

It is indeed much more affordable for new Fontana drivers to get the basic car insurance coverage, as our average premium came in at $1990.32. USAA was the cheapest option for new drivers with a premium of $898. Horace Mann scored a second place at $960 per year. California Casualty got the third spot at $982. GEICO was the fourth least-expensive option for new drivers at $1,101. Metromile was the fifth with a significantly higher premium of $1,412.

CompanyAnnual Auto Insurance Rates
Average$1990.32
Pacific Property & Casualty$808
USAA$898
Horace Mann$960
California Casualty$982
GEICO$1,101
Metromile$1,412
AAA$1,416
Loya$1,445
Alliance United$1,474
Amica Mutual$1,558
Permanent General$1,692
Financial Indemnity$1,710
National General/Integon$1,737
Western General$1,743
California Capital$1,780
American States$1,843
Metropolitan Direct$1,888
Hartford$1,897
Progressive West$1,916
Workmen's Auto$1,931
Safeway$2,017
Esurance$2,018
Nations Ins. Co.$2,045
Anchor General$2,099
State Farm$2,105
United Financial Cas (Progressive)$2,148
Coast National$2,200
Occidental$2,216
California Automobile Ins Co$2,297
Kemper$2,408
Infinity$2,443
Federal Ins (CHUBB)$2,594
Allstate$2,629
Nationwide$2,820
Viking$2,882
Farmers$3,491
Bankers Standard$5,039

Cheapest Fontana Car Insurers for Married Couples

After that, we took a look at car insurance for a married couple that drives 2 vehicles: Toyota Prius and Toyota Camry. Annual mileage was assumed to be 16,000 miles and drivers have 13 and 10 years of driving experience. As a result, the average premium was found to be $3,896.36.

Metromile was the cheapest for married couple auto insurance with an estimated annual premium of $2,152. IDS was the second cheapest option with a premium of $2,579. Metropolitan Direct ranked third at $2,644. Wawanesa insurance company came in fourth at $2,693 per year. Finally, USAA was the fifth most inexpensive insurer with a premium of $2,713.

CompanyAnnual Auto Insurance Rates
Average$3,896.36
Metromile$2,152
IDS$2,579
Metropolitan Direct$2,644
Wawanesa$2,693
USAA$2,713
California Capital$2,740
Pacific Property & Casualty$2,858
Mercury$2,866
Horace Mann$2,969
Western General$2,974
Government Employees Ins Co$3,062
Nations Ins. Co.$3,062
Alliance United$3,091
Progressive West$3,096
Safeco$3,281
Permanent General$3,286
California Casualty$3,432
Amica Mutual$3,500
Infinity$3,522
Traveler's Commercial$3,591
Kemper$3,646
Esurance$3,676
Encompass$3,683
Anchor General$3,709
AAA$3,748
Financial Indemnity$3,749
United Financial Cas (Progressive)$3,898
National General/Integon$4,220
21st Century$4,420
MAPFRE$4,457
CSE Safeguard$4,581
Liberty Mutual$4,584
Allstate$4,587
Farmers$4,762
Coast National$4,769
State Farm$5,013
Nationwide$5,065
Safeway$5,254
Federal Ins (CHUBB)$5,443
Hartford$5,986
Viking$7,106
Bankers Standard$7,180

Cheapest Fontana Car Insurers for Seniors

It comes as no surprise that a married senior couple would enjoy some of the cheapest car insurance in Fontana, CA. In our case study, we assumed that a married senior couple has over 40 years of experience, drives Toyota Camry for 7,000 miles per year. We got an average premium of $1,706.12 out of 42 insurers tested.

Yet again, Metromile came in first with a premium of $873. IDS was the second cheapest at $964. Wawanesa has the third cheapest car insurance for senior couples with an annual cost of $1,015. Nations Ins. Co. ranked fourth at $1,151 per year. Metropolitan Direct gave us estimates of $1,202 per year and was the fifth most inexpensive option for seniors.

CompanyAnnual Auto Insurance Rates
Average$1,706.12
Metromile$873
IDS$964
Wawanesa$1,015
Nations Ins. Co.$1,151
Metropolitan Direct$1,202
Amica Mutual$1,233
USAA$1,243
Pacific Property & Casualty$1,256
Traveler's Commercial$1,270
Government Employees Ins Co$1,310
Horace Mann$1,352
California Casualty$1,399
Safeco$1,495
California Capital$1,500
21st Century$1,534
Western General$1,537
AAA$1,617
Coast National$1,625
Infinity$1,634
Mercury$1,644
Allstate$1,670
National General/Integon$1,718
Encompass$1,745
Alliance United$1,777
Esurance$1,779
Farmers$1,788
Financial Indemnity$1,803
Anchor General$1,810
Progressive West$1,816
Federal Ins (CHUBB)$1,869
State Farm$1,874
Permanent General$1,880
United Financial Cas (Progressive)$1,906
Kemper$1,959
Safeway$1,988
Liberty Mutual$2,014
Nationwide$2,066
CSE Safeguard$2,079
MAPFRE$2,170
Hartford$2,737
Viking$3,152
Bankers Standard$3,203

Statistics Related to Car-Ownership in Fontana, California

  • While it is illegal to drive without car insurance, about 15.2% of drivers have no valid insurance in the state of California.
  • Fontana has 416 car thefts per 100,000 residents. This is slightly below California average of 425.9 but is significantly higher than the national average of 237.4.
  • Average commute time in Fontana is 31.5 minutes.
  • Only 11.2% of families have only 1 vehicle in Fontana. 35.1% of households own 2 vehicles. 28.8% own 3 vehicles. Just 1.7% of households have no cars at all.