How Much Does Car Insurance Cost in Ontario, CA On Average?

Car insurance in Ontario, CA averages to $1,951 annually, which is more expensive than the $1,862 that is the statewide annual average. It's even more expensive when compared to the national average, as well, which is $1,544 per year. Those figures are calculated based on a number of factors, of which include:

• Age
• Marital status
• Gender
• Driving record

To learn more about Ontario car insurance rates, read on! Also, be sure to try out our free auto insurance quote comparison tool at the top of this page to compare rates from the top 20 auto insurers in your ZIP code instantly!

Jump to Ontario car insurance rates by:

• Insurance Company
• Age Bracket
• Marital Status
• Driving History
• Other Factors

ONTARIO, CA CAR INSURANCE RATES COMPARED TO STATEWIDE AND NATIONAL AVERAGES

Ontario Car Insurance Avergae Rates

It is critical for drivers in Ontario, CA to compare the rates that are offered by various car insurance providers in order to save on their annual premium. Every provider will have different rates and benefits to offer, which can affect how well the coverage will work. As of now, GEICO still leads the pact in terms of affordable car insurance in Ontario. The table below includes other insurance carriers for reference.

ONTARIO CAR INSURANCE RATES BY COMPANY

Ontario Car Insurance Rates by Age

One of the principal concerns that car insurance carriers have with regard to calculating rates in Ontario is the age of the drivers listed on the policy. Drivers who are in the 60s bracket will usually get quotes averaging $1,731 per year. That's a bit lower than those in the 50s age range, who pay an average of $1,749.

The biggest disparity is with drivers in their teens and in their 20s. For reference, the difference can be as much as $4,318.

ONTARIO AUTO INSURANCE RATES BY AGE GROUP

Ontario Car Insurance Rates by Gender and Marital Status

The next factor that Ontario car insurance companies consider when providing quotes is the marital status of drivers and their gender. Ontario drivers who are single will typically pay more than their married counterparts. The same goes for drivers who have been divorced, though, this can change based on your unique driving profile.

As for gender, female drivers almost always pay more than male drivers. However, the average difference can be as low as $2 annually.

ONTARIO AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS

Ontario Car Insurance Rates by Driving History

Drivers who have a spotty driving history are subject to higher auto insurance rates in Ontario. In contrast, drivers who have maintained stellar records will recieve the best rates and the cheapest offers. Generally speaking, insurance companies will be looking into incidents of:

• Speeding citations
• Reckless driving
• At-fault collisions
• DWI
• DUI

Insurance carriers will consider all of the factors above and calculate just how much to increase or decrease your auto insurance rates. For reckless driving, the annual increase to your premium can be as much as $3,389. For DUI violations, the increase can be as much as $3,301.

ONTARIO CAR INSURANCE RATES BY DRIVING HISTORY AND VIOLATION

What Other Factors Can Increase Ontario Car Insurance Rates?

Aside from the factors that were already brought up above, there are several other points of concern that can impact how much auto insurance is going to cost you. For example, car insurance companies could look into:

• The driver's area of residence
• The crime statistics in the driver's neighborhood
• The rate of car thefts in the area
• How bad the weather can get
• The climate is in the area

Auto insurers will also typically take ZIP codes into consideration when. Some Ontatio ZIP codes automatically become more expensive than others based on the statistical data for the five factors listed above.

Bad weather in Ontario can cause poor driving conditions such as:

• Wet brakes
• Slick roads
• Decreased visibility

On average, there are 710,000 car accidents per year in the state of California that are caused by inclement weather.

Ontario Car Insurance Frequently Asked Questions

Is car insurance mandatory?

Car insurance is a legal requirement across all states in the United States for car owners.

Can I get car insurance without a car?

A non-owner car insurance policy is available for those without cars they personally own.

What is the minimum car insurance required in Ontario, CA?

Bodily injury liability and property damage liability.

Will my car insurance also cover car rentals?

Personalized car insurance policies typically cover rented cars within the US.

Does my car insurance cover damage from potholes and weather?

Normal wear and tear due to daily driving through damaged roads and harsh weather conditions are not normally covered.