In Ontario, the average cost of full coverage car insurance is $135 per month. Prices can range from as low as $130 to as high as $326 per month, depending on the policy and driver details. The table below shows average car insurance costs for various driver profiles to help drivers understand what they might pay.
Ontario, CA, Car Insurance
Updated: January 14, 2025
Advertising & Editorial Disclosure
Cheapest Car Insurance in Ontario: Key Takeaways
Progressive, Capital Insurance Group and National General are among the most affordable car insurance companies in Ontario. They offer competitive rates for various driver profiles and coverage needs.
Progressive offers the lowest rates for car insurance in Ontario. Minimum coverage costs $37 per month, and full coverage is $93 per month, making it a budget-friendly choice.
The average monthly cost for car insurance in Ontario is $56 for minimum coverage and $135 for full coverage. Individual rates can differ based on driver profiles and other factors.
Car Insurance Quotes in Ontario, CA
| Young Drivers | $68 | $168 |
| Teens | No Data | $326 |
| Seniors | $55 | $130 |
| Drivers With a Speeding Ticket | $78 | $191 |
| Drivers With a DUI | $133 | $321 |
| Drivers With An Accident | $89 | $217 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Ontario vs. State Average
California
State Average Full Coverage Rate
$1,599
Ontario, CA
City Average Full Coverage Rate
$1,614More:$15 more
This is 1% more expensive.
What Is the Average Car Insurance Rate in Ontario?
In Ontario, the average annual cost for full coverage car insurance is $1,614, while state minimum coverage costs $668. These rates are lower than California's annual averages of $1,599 for full coverage and $661 for state minimum coverage.
| State Average | $661 | $1,599 |
| Ontario Average | $668 | $1,614 |
Cheapest Car Insurance Companies in Ontario
While premiums are rising across California, you can still find affordable car insurance in Ontario. Progressive offers the cheapest minimum coverage at $37 per month and the best rate for full coverage at $93 per month.
WHY CAR INSURANCE IN ONTARIO IS EXPENSIVE
Car insurance is expensive in Ontario due to several factors. Traffic congestion and high accident rates contribute to the higher cost. Statewide, the high number of uninsured drivers, frequent personal injury lawsuits and insurance fraud raise car insurance costs.
Cheap Car Insurance in Ontario
Progressive is often the cheapest car insurance provider, but rates can vary for each driver. To find the most affordable option, get quotes from several providers. Below is a table listing the cheapest car insurance rates for various driver profiles.
| Progressive | Minimum Coverage | $37 |
| Progressive | Full Coverage | $93 |
| Capital Insurance Group | Teens | $253 |
| Progressive | Young Adults | $78 |
| Progressive | Seniors | $65 |
| National General | Drivers With a DUI | $93 |
| Capital Insurance Group | Drivers With An Accident | $100 |
| National General | Drivers With a Speeding Ticket | $93 |
Car Insurance Rates in Ontario by Company
Car insurance costs vary, so Ontario drivers can save by comparing rates. Below are the most affordable plans for minimum coverage and full coverage insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Ontario
Progressive offers the cheapest minimum coverage auto insurance at $37 per month. Kemper follows with a monthly rate of $43. The table below breaks down the cheapest options.
| Progressive | $37 | $21 |
| Kemper | $43 | $16 |
| GEICO | $44 | $14 |
| AAA | $50 | $9 |
| Capital Insurance Group | $51 | $8 |
| State National | $52 | $7 |
| Farmers | $53 | $5 |
| Mercury | $53 | $5 |
| Hartford | $56 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Ontario
Progressive offers the most affordable full coverage car insurance in Ontario at $93 per month. Below is a full list of providers and their rates.
| AAA | $113 | $27 |
| Capital Insurance Group | $120 | $20 |
| GEICO | $116 | $24 |
| Hartford | $125 | $15 |
| Kemper | $115 | $24 |
| Mercury | $125 | $15 |
| National General | $119 | $21 |
| Progressive | $93 | $46 |
| State National | $120 | $20 |
Car Insurance Companies in Ontario
We recommend getting quotes from several car insurance companies to find the cheapest car insurance in Ontario. Progressive offers the lowest rate at $783 annually. Chubb is the best provider, with a MoneyGeek score of 85 out of 100. Check the table below for more options to consider.
| Chubb | 85 | $1,314 |
| Capital Insurance Group | 83 | $1,022 |
| Mercury | 74 | $1,070 |
| Progressive | 70 | $783 |
| State Farm | 68 | $1,247 |
| GEICO | 67 | $958 |
| AAA | 66 | $974 |
| Nationwide | 62 | $1,324 |
| Hartford | 61 | $1,085 |
| Travelers | 60 | $1,386 |
| Kemper | 60 | $946 |
| Farmers | 57 | $1,464 |
| National General | 54 | $1,066 |
| Allstate | 52 | $1,447 |
| State National | No Data | $1,028 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Ontario by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, at $1,614 per year for 40-year-olds and $1,555 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,799 | $-1,085 |
| 17 | $3,786 | $-1,072 |
| 18 | $3,567 | $-852 |
| 19 | $2,727 | $-13 |
| 20 | $2,800 | $-86 |
| 21 | $2,427 | $287 |
| 22 | $2,110 | $604 |
| 23 | $2,167 | $547 |
| 24 | $2,078 | $636 |
| 25 | $2,013 | $-300 |
| 40 | $1,614 | $99 |
| 65 | $1,555 | $158 |
Cheapest Car Insurance for Teens in Ontario
Farmers offers the cheapest overall car insurance for teens at $247 per month, $42 cheaper than the average cost. The table below highlights other affordable providers for teens in Ontario.
| Farmers | $247 | $42 | $343 |
| State Farm | $253 | $36 | $255 |
| Capital Insurance Group | $259 | $30 | $253 |
| Progressive | $272 | $17 | $292 |
| GEICO | $273 | $16 | $313 |
| Allstate | $276 | $14 | $289 |
| Kemper | $308 | $-19 | $390 |
| Travelers | $312 | $-23 | $276 |
| Nationwide | $403 | $-114 | $524 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Ontario
For young drivers in Ontario, Progressive offers the lowest rates of $44 per month for minimum coverage and $112 for full coverage. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Progressive | Minimum Coverage | $44 |
| Progressive | Full Coverage | $112 |
| National General | Drivers With a DUI | $114 |
| Capital Insurance Group | Drivers With An Accident | $112 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $109 |
Cheapest Car Insurance Companies for Young Drivers in Ontario
Progressive offers the most affordable auto insurance for young drivers at $78 per month. The table below shows other companies providing competitive rates.
| Progressive | $78 | $45 |
| GEICO | $92 | $31 |
| Capital Insurance Group | $96 | $28 |
| State National | $104 | $20 |
| AAA | $106 | $18 |
| National General | $108 | $15 |
| Mercury | $114 | $9 |
| Hartford | $118 | $6 |
| Kemper | $119 | $5 |
| State Farm | $121 | $3 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Ontario
Progressive and Capital Insurance Group offer the cheapest car insurance rates in Ontario, but costs vary based on factors like driving history and coverage needs. The table below shows the most affordable providers for different driver and coverage profiles.
| Progressive | Minimum Coverage | $38 |
| Progressive | Full Coverage | $92 |
| National General | Drivers With a DUI | $95 |
| Capital Insurance Group | Drivers With An Accident | $94 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $92 |
Cheapest Car Insurance Companies for Seniors in Ontario
Progressive offers the cheapest monthly premium for seniors for minimum and full coverage at $65. GEICO follows closely with a monthly rate of $77. The table below shows the top car insurance providers for seniors in Ontario.
| Progressive | $65 | $31 |
| GEICO | $77 | $19 |
| Hartford | $79 | $17 |
| State Farm | $81 | $15 |
| Capital Insurance Group | $81 | $15 |
| State National | $81 | $15 |
| AAA | $82 | $14 |
| Mercury | $89 | $7 |
| National General | $90 | $6 |
| Kemper | $95 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Ontario
In Ontario, minimum and full coverage rates for drivers with high-risk profiles are higher than the state average. Drivers with DUIs face the highest insurance costs. In contrast, accidents and speeding tickets have less impact on rates.
| State Average | $1,239 | $2,989 |
| Ontario Average | $1,252 | $3,012 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
In Ontario, insurers typically consider minor driving incidents for a few years when setting car insurance rates. More serious driving offenses like DUI affect rates longer. You might also need to file an SR-22 or FR-44 to meet your state's minimum coverage auto insurance requirements.
Cheapest Auto Insurance Rates With a DUI in Ontario
National General offers the cheapest minimum coverage for drivers with a DUI at $744 per year. It also provides the most affordable full coverage policy at $1,488 annually. Check out the table below for more low-cost coverage options.
| National General | $62 | $124 |
| Mercury | $86 | $205 |
| Capital Insurance Group | $88 | $215 |
| Progressive | $80 | $217 |
| Farmers | $91 | $331 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Ontario
Capital Insurance Group, Farmers and State National offer the cheapest auto insurance after an at-fault accident in Ontario. The table below shows different providers offering cheap car insurance coverage for drivers with an at-fault accident violation.
| Capital Insurance Group | $59 | $141 |
| State National | $73 | $170 |
| Progressive | $73 | $190 |
| GEICO | $78 | $192 |
| Farmers | $73 | $265 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Ontario
Capital Insurance Group is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $56 per month. National General offers full coverage at $124 per month. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| National General | $62 | $124 |
| Capital Insurance Group | $56 | $138 |
| AAA | $66 | $146 |
| Kemper | $57 | $152 |
| GEICO | $67 | $172 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Minimum Car Insurance Requirements in Ontario, CA
In California, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
If you're in an accident and cause $4,000 in property damage, your minimum coverage will pay for it. However, if damages exceed $5,000, you'll be responsible for the difference.
Uninsured motorist and personal injury protection coverages are not required.
Cheap Car Insurance in Ontario: Bottom Line
Progressive stands out with the cheapest car insurance in Ontario, offering minimum coverage at $37. No matter your age or credit, you'll find providers with plans to match your wallet. Remember, your policy must include California's required coverages: bodily injury and property damage liability. Compare rates to get affordable protection that complies with the legal requirements in the Golden State.
Ontario Auto Insurance: FAQ
This section offers quick answers to common questions about finding affordable and best car insurance options in Ontario.
What is the cheapest car insurance company in Ontario, California?
Progressive is the cheapest car insurance company in Ontario, California. Its minimum coverage costs $37 per month, saving you $21 monthly.
What is the best car insurance company in Ontario, California?
Chubb, with a MoneyGeek score of 85 out of 100, offers competitive rates for state minimum and full coverage auto insurance. State minimum coverage costs $1,314 per year.
How much does car insurance cost on average in Ontario?
The average monthly rate for minimum coverage auto insurance in Ontario ranges from $55 to $133.
Best Cheap Car Insurance in Ontario: Our Methodology
MoneyGeek conducted an analysis of Ontario auto insurance prices using data from the California Department of Insurance and Quadrant Information Services.
Ontario Driver Profile
To assess the best and most affordable auto insurance options for Ontario residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Ontario
In assessing the car insurance quotes for Ontario, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Ontario
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Ontario.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.