Which Company Has the Lowest Cost of Car Insurance in Ontario?

Ontario is a medium sized city with a young and growing population of around 173,000 people, located in Southern California. Specifically, Ontario is 37 miles due east of downtown Los Angeles. That’s a drive of about 40 minutes on I-10, in clear traffic. Since the Greater Los Angeles area is built around cars and endless traffic, drivers need to pay special attention to their automobile insurance policies.

In fact, Ontario drivers report an average commute of 30 minutes one-way. Thus, each of Ontario’s 83,000 employees spend an average of five hours driving in heavy traffic just for work. When their trips to the beach, mountains, or across town for groceries and activities are accounted, the average driver likely spends up to 10 hours behind the wheel every week. That’s a lot of liability for an insurer to contemplate. Indeed, there are also a few more factors that work against Ontario’s drivers and their premium rates.

For starters, the average age in Ontario is 32, insurers are more likely to assess the town, and its drivers, as higher risk. This is because younger drivers tend to be more impulsive, less cautious, and generally a higher risk on the roads than their older counterparts. Ontario also happens to be an area with a lot of auto theft. In fact, the Riverside – San Bernadino – Ontario Metropolitian Statistical Area is ranked #11 nationwide for auto theft. With such a high risk of theft, insurance premiums end up being even higher.

What are the Insurance Requirements in Ontario?

Every car in California must be covered by automobile insurance. The state sets minimum levels for this coverage, but it’s often recommended that drivers carry more coverage than what the state requires. Nevertheless, those requirements mandate that every automobile liability policy cover bodily damage of at least $15,000 for one person and $30,000 per accident. The minimum for automobile damage is $5,000 and the minimum for uninsured motorist coverage is $3,500.

Since minimum coverage only addresses liability in an accident, drivers with liability-only policies find that they may need to upgrade their coverage for complete peace of mind. For example, if a driver with only liability insurance is impacted by a hit-and-run accident they will have to make the repairs out of pocket. Likewise, if they hit another car, they will have to repair their car without the help of insurance. However, when a driver carries collision or comprehensive coverage and is the victim of an accident, they can use their own policy to start the repair process. Thus, by the time the at-fault driver’s company settles the claim, the two insurers can settle the finances while the driver gets back to their life.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Ontario by Insurer

The following details the cheapest car insurance in California. While every household finds it necessary to reduce spending on its recurring bills, it’s important to look at more than mere cost when it comes to insurance. You should consider each company’s reputation for customer service, the other packages they offer, and their discounts for things like good grades, customer loyalty, and more.

Compare auto insurance quotes with our expert guide here.

Low Cost Auto Insurance for Bad Credit in Ontario

California drivers are in luck. Forty-seven other states in the United States allow insurers to assess automobile insurance premiums based, in part, on credit scores. California, however, is not one of those states. Where some drivers with poor credit can pay over $1,000 more than those with excellent debt history, in California those who have trouble with finances aren’t further burdened with higher auto insurance premiums.

Learn how your credit score determines your car insurance premiums.

Differences Between the Two Main Coverages

What is Liability Only Insurance Coverage?

Liability-only coverage means that you are only paying to cover the cost of damage that you do to other people and their property in the event you are at fault in an accident. It covers the costs of medical bills for people you injure or repair costs for property you damage.

It is a good idea to carry more liability insurance than these minimum amounts required by the state of California because you will be personally financially liable if you are in an accident and cause more damage to people or property than the state’s minimum required coverage levels.

Full Coverage Auto Insurance

Full coverage insurance not only covers the cost of the people and things you might harm when you are in an accident that is your fault. It also covers the cost of any repairs that your property or vehicle might need if you are in an accident that is your fault.

There are two main types of coverage beyond liability coverage:

Collision – This type of insurance covers the cost of repairs to your vehicle or your property that you might damage in an accident in which you are at fault.

Comprehensive – This type of insurance covers the repair costs for your vehicle when one of those unusual things happen that are outside of your control, like weather-related damage to your vehicle, theft, vandalism, and deer stepping in front of your vehicle as you drive.

Difference Between the Two Types of Coverage

Liability and Full coverage policies have many distinctions but the chief one is that under a liability policy your car is not covered. If you are in an accident and are found at-fault, your liability policy will cover the other driver and her passengers. A full coverage policy, on the other hand, covers damage done to your car as a result of a wide range of accidents, even if you are at-fault. These policies also differ when it comes to premium payments.

Average Annual Car Insurance Rates in California by City

Additional cities in California you can check out.

Helpful Advice to Get Lower Car Insurance Rates

There are many ways that you can save on auto insurance in Ontario:

  • Shop around

    As you can see from the quotes, there are wildly different prices for auto insurance for the same driver demographic by carrier. We found a thousand or more dollars of difference in most cases.

  • Keep your driving record clean

    If you can drive really defensively, you are going to save money. People with a lot of accidents and moving violations on their record have trouble getting insured at any rate.

  • Look for discounts

    Most auto insurance carriers have discounts for good driving and some student discounts. Sometimes, the agent will not automatically apply the discount. Look on the website to see what discounts they offer.

  • Drive an older vehicle you maintain well

    Since newer vehicles usually require full coverage because you are making payments on the vehicle, you can save considerable money on insurance if you drive an older vehicle that is not worth much money. You won’t need full coverage, although comprehensive insurance is advisable and cheap. This is especially true for young drivers in the family. If they drive used, well-maintained vehicles, they won’t need to pay for full coverage insurance. This can amount to a savings of one or more thousands of dollars each year in insurance costs.

  • Choose a higher deductible for collision insurance

    A higher deductible equates to a lower rate on expensive collision insurance, since you are footing more of the bill in the event of an accident.

Are you looking for car insurance discounts? Learn more here.

What are the Factors that Affect Your Ontario Car Insurance Premiums

As you can see, car insurance rates are influenced by a complex set of factors, all of them are determined by risk data for each insurance agency. How much each agency charges, though, based upon similar risk data, can vary widely. In the case of younger drivers, they can save literally thousands of dollars each year by shopping around. The insurance agencies will charge drivers different rates for their automobile insurance premiums by their age and marital status, driving record, area they live in, and whether they carry liability-only or full coverage insurance. If the customer opts for collision insurance, the carriers will charge more for a lower deductible.

Since there are so many factors to take into consideration in how much an insurance agency charges you for automobile insurance, it quite literally pays to thoroughly educate yourself about automobile insurance and to shop around for the best quote.

Compare insurance company rates for drivers with a bad record here.

Helpful Ontario, California Vehicle Resources:

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