Ontario, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Ontario, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Top 5 Car Insurance Companies in Ontario, CA, by Market Share
The average rate of insurance in Ontario, CA, is $1,848. This is much higher than the cost of auto insurance in neighboring places such as Stevens, Minnewaukan, Crary, Ramsey County, and Bartlett. The cost of auto insurance can depend on numerous factors ranging from the make and model of the car to the age and gender of the driver. It also depends on factors such as the neighborhood one lives in, in Ontario. This is because the rate of auto thefts differs from one neighborhood to another.
Using market share data for California, Zimlon has found the following companies to be the top insurers in Ontario, CA.
STATE FARM:
State Farm occupies the first spot with a massive 4,106,038 direct premiums written and 4,090,146 direct premiums earned. The company holds a market share of 13.74% in California. State Farm has a rating of 808/1000 in the J.D. Power Auto Insurance Study. One only needs to go as far as State Farm’s online faculty for details of different insurance coverages they provide. The company is credited with a solid rating of A++ by A.M. Best.
FARMERS:
Farmers occupies a market share of 10.68% in California. The company has 3,191,341 direct premiums written, and 3,189,468 direct premiums earned. The ease of navigating the Farmers website is an added advantage. Farmers ranks a tad low on the J.D. Power Auto Insurance Study with a score of 805/1000. A.M. Best has given Farmers an A rating for its financial strength in the markets.
GEICO:
With 2,897,713 direct premiums written and 2,794,052 direct premiums earned, GEICO is a close third. The company has a market share of 9.69 % in California and enjoys an A.M. Best Rating of A++. GEICO also has a score of 825/1000 by the J.D. Power Auto Insurance Study and also received the “Better Than The Most” tag.
ALLSTATE:
Allstate has 2,687,887 direct premiums written and 2,640,022 direct premiums earned in California. Allstate occupies the fourth spot with a market share of 8.99%. The company was one of the leading insurance companies in the auto insurance market back in 2010. Allstate has a J.D. Power Auto Insurance score of 808/1000 and an A.M. Best Rating of A+.
AAA:
AAA enjoys the “Better Than The Most” tag, alongside a J.D. Power Rating of 834/1000. The company occupies a market share of 8.69%. AAA offers an Umbrella Liability Insurance and enjoys an A.M. Best Rating of A. It has 2,598,340 direct premiums written, and 2,470,179 direct premiums earned.
Factors that can influence the cost of car insurance in Ontario, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Ontario, CA Auto Insurance Rates
- Ontario, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ontario, CA
- Multi Vehicle Insurance Savings in Ontario, CA
- How Credit Score Affects Car Insurance Rates in Ontario, CA
- How DUI Affects Auto Insurance Premiums in Ontario, CA
- Top Auto Insurance Agents Near Ontario, CA
- How Driving Violations Affect Auto Insurance Rates in Ontario, CA
- Ontario, CA Auto Insurance Discounts on Anti Theft Feature
- Ontario, CA Auto Insurance Company Reviews
Ontario, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Ontario, CA with that of other cities in and around Ontario.
| Ontario | Pomona | Eastvale | Rancho Cucamonga | Montclair | Claremont | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,520 | $1,625 | $1,922 | $1,515 | $1,505 | $1,487 |
Ontario, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Ontario, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Ontario | $2,349 | $1,984 |
| Montclair | $1,329 | $1,122 |
| Chino | $1,946 | $1,643 |
| Upland | $1,061 | $896 |
| Eastvale | $1,274 | $1,076 |
| Pomona | $1,765 | $1,491 |
| Claremont | $1,444 | $1,220 |
| Rancho Cucamonga | $1,956 | $1,652 |
Ontario, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Ontario, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,932 |
| 20 Years | $1,953 |
| 30 Years | $1,504 |
| 40 Years | $1,447 |
| 50 Years | $1,340 |
| 60 Years | $1,359 |
| 70 Years | $1,582 |
Ontario, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Ontario, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,645 | $395 |
| 3 Vehicles | $3,967 | $593 |
| 4 Vehicles | $5,290 | $790 |
Savings on 2 Vehicles bundle:$395
Savings on 3 Vehicles bundle:$593
Savings on 4 Vehicles bundle:$790
Ontario, CA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Ontario, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Ontario | $1,520 | $3,743 |
| Montclair | $1,505 | $3,706 |
| Chino | $1,492 | $3,674 |
| Upland | $1,476 | $3,634 |
| Eastvale | $1,922 | $4,732 |
| Pomona | $1,625 | $4,001 |
| Claremont | $1,487 | $3,661 |
| Rancho Cucamonga | $1,515 | $3,730 |
Ontario, CA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,304 |
| Excellent (740-799) | $1,489 |
| Good (670-739) | $1,584 |
| Average (580-669) | $2,066 |
| Poor (300-579) | $2,479 |
Ontario, CA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Tita De Guzman | State Farm | 1200 S Dmnd Bar Blvd Ste 212, Diamond Bar, 91765-2298 | 909-348-0444 |
| Mark Lee | State Farm | 18702 Colima Rd Ste 205, Rowland Hghts, 91748-2992 | 626-363-8321 |
| Rick Reed | State Farm | 1125 E 16th St Ste 7, Upland, 91784-9180 | 909-985-0964 |
| Jc Global Financial Inc. | Nationwide | 1031 Rosecrans Ave Suite 206, Fullerton, 92833 | (714) 526-7700 |
| Scott Aulerich | State Farm | 5506 Riverside Dr, Chino, 91710-4301 | 909-590-7935 |
| Bill Hart | State Farm | 2807 E Lincoln Ave, Anaheim, 92806-4010 | 714-630-1000 |
| Argishti Asatryan | Farmers | 8500 Steller Dr Ste 8b, Culver City, 90232 | (310) 559-7300 |
| Brent Rupnow | Allstate | 2808 Honolulu Ave, Verdugo City, 91046 | (888) 511-4344 |
| Eva Chong | Allstate | 13317 Ventura Blvd Ste I, Sherman Oaks, 91423 | (323) 984-9845 |
Ontario, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$67 | $1,587 |
| Driver's Failure In Showing Documents | +$147 | $1,667 |
| Driving With An Expired Registration | +$157 | $1,677 |
| Driving At A Considerably Slow Pace | +$330 | $1,850 |
| Using A Cellphone While Driving | +$348 | $1,868 |
| Running A Red Light | +$354 | $1,874 |
| Speeding | +$372 | $1,892 |
| Driving A Vehicle Without The Required Permission | +$473 | $1,993 |
| Driving With An Expired/Suspended License | +$1,024 | $2,544 |
Ontario, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,459 |
| Active Disabling Device | $1,459 |
| Tracking Device | $1,429 |
| Passive Disabling Device | $1,414 |
Latest Auto Insurance Reviews in Ontario, CA | Back to Top
GeicoI love my car insurance. They 100% will get a 5. I haven't had any issues, I am able to change up my policy via an app, and they send me plenty of notices when I need to make a payment.
ProgressiveWe had applied for theft, accidental coverage, and maintenance. Almost all companies provide this. So I would say they are fine.
ProgressiveI appreciate their level of professionalism and that they are very helpful, given that i have used them whenever needing roadside assistance.
AaaWe have a $500 deductible for our insurance and we think that is reasonable. We probably would not turn in anything under that anyway. We do have one car on liability now.
State FarmGood price, good deductible, haven't had any accidents so don't know if it goes up a lot when one happens.
Farmer's InsuranceDeductible is the same as other carriers. Premium is much higher than the cut-rate carriers and higher than Progressive, State Farm, Allstate. But the key is how much I get if the car is totaled.
GeicoThe overall accessibility, interaction, and customer support of Geico has been excellent. The Geico app provides easy access to all my policy details, easy to navigate, and allows me to make changes and claims hassle free.
GeicoI can do everything I need to do regarding insurance through the companies web site and their app. I like that I do not have to talk to a person to get good customer service.
EsuranceEverything seems to be pretty quick and painless. The claims process was very efficient. When I need to change something, I can do it anytime-I don't have to wait for an office to open and drive there.
Alcott InsuranceI love the easy online access. In addition, we ike the easy online website. The company offers policies.that are affordable and easily understandable.
AllstateI'm very satisfied with the company. Their website is very user friendly. I'm able to make claims online so if I don't want to talk to anybody, they will be able to help.
AllstateI didn't like their emailing system. They use the idea of ticket numbers, but instead apply it to emails. I just wish there were more direct ways to contact certain people when dealing with things like an accident etc.
Horace Mannit is covered 60000$.compared to other insurance companies it is a good one.
GeicoGeico has shown me that they can operate efficiently without having me constantly call them to get things done, like renewing a policy, making a payment, and interacting with my bank on the rare occasion.
State FarmOne of the best and most positive things about this company is the customer support. I can call them at any time and if they do not answer they respond to me very promptly. They are always very friendly and willing to go the extra mile to help me.
AaaI like the company they are very professional and get the job done in a fast manner.