You can save money on your premiums and claims by finding the best Ontario car insurance. Ontario’s average car insurance cost is $763 annually for minimum coverage, and $2,098 per year for full coverage.
San Bernardino County is the part of Ontario, which is one of the fastest growing areas in the Southern California basin. Vehicle registrations in the country have increased 16% since 2011, surpassing the California average growth of 11%. The number of traffic collision victims has also increased. Vehicle-related deaths have increased by 32% since 2019. Distracted driving may be a factor in the increase in bike-related fatalities and injuries.
You may be able to afford sufficient coverage to cover all possible dangers while driving by finding the lowest car insurance in Ontario.
The best car insurance companies in Ontario
These four carriers combine the cheapest car insurance in Ontario with good customer ratings. To find the lowest rates, we used Bankrate’s quote data from more than 20 Ontario-area insurers. We narrowed down the list by choosing insurance companies that had good customer reviews. J.D. J.D. Power’s customer satisfaction survey was instrumental, as it was based on feedback from policyholders about the insurer’s claims process and communication.
AAA is well-known for offering roadside assistance and towing to 61,000,000 members nationwide. AAA car insurance is also offered. You can get towing and assistance for the membership. Car insurance Ontario rates are the lowest due to this carrier’s policies. Lower rates do not mean lower customer service. AAA was ranked third in J.D.’s customer satisfaction survey. Power’s study on auto insurance.
J.D. Due to Grange Insurance’s smaller market share, Power’s California study does not rank. Referring to the National Association of Insurance Commissioners’s insurance complaint index there were only eight complaints in one year. Although it is slightly higher than average, Grange’s Anaheim minimum car insurance rate is second to none. Grange excels at what it does best. You will find minimal liability and full coverage for your car, as well as gap insurance and insurance for high quality sound equipment or custom accessories.
Geico’s full coverage rates rank among the lowest in the industry. Full coverage can be more costly because it includes additional insurance, such as collision and comprehensive insurance. You may be able to get low-cost minimum car coverage if you have an older vehicle, or one of low value. If you own a more expensive vehicle or have assets that you wish to protect financially, you may want full coverage car insurance from Geico.
Wawanesa Insurance ranks #1 in customer satisfaction according to the J.D. California Power Study Although the carrier is based in Canada, it does not have offices in California. However, the website can handle most of your online car insurance needs. You can also choose to have replacement parts made by the vehicle manufacturer or rental expense insurance. This will allow you to rent a more expensive vehicle while your vehicle is being repaired. Wawanesa can provide the coverage Ontario drivers need.
Car insurance at the lowest price in Ontario
These numbers will give you an idea of the cost of car insurance in Ontario.
- California ‘s average annual car insurance cost is $733 for minimum coverage and $2,065 full coverage.
- The average annual is $1674
These rates are based on market share and will be the lowest and largest in Ontario. They can help you determine if you are paying more than the average for coverage when you shop around for car insurance. Bankrate’s findings should not be a guideline for you, unless you have a history with accidents or tickets or if you are a teen driver.
AAA has two nearby chapters in Upland, and Chino. If you wish to visit an agent locally, they have several locations. Mercury and Geico typically offer the lowest insurance rates. Progressive and Travelers both offer a range of optional coverages, including rideshare insurance, gap coverage, and replacement of a car.
Ontario insurance requirements
California law requires that all vehicle owners, even those who reside in Ontario, have minimum liability coverage. The requirements below should serve as a guide. You are responsible for damages up to $5,000 if you total a vehicle older than five years old. In addition, your lender or leasing company may require you to carry full car insurance, which could include comprehensive, collision and uninsured/underinsured motorist insurance. California has the following insurance requirements:
- $15,000 per person in the event of death or bodily injury
- $30,000 per accident in the event of death or bodily injury
- $5,000 per accident for property damage
Ontario car insurance discounts
You might be able to save even more if you find a lower rate car insurance company in Ontario than what you are currently paying. These are some ways to reduce your car insurance costs.
- Automated payments from your account: This simplifies your life, and can even earn you a discount.
- Bundling: If you buy home, renters, and/or auto insurance from the same company, your premiums could be lower.
- Young drivers: Teens and young adults usually pay the highest rates. Discounts for young drivers could be a way to save money for parents and independent young adults.
- Switching: You may be eligible for an additional discount if you switch carriers or find lower rates from another insurance company.
If you are looking to reduce your rates significantly, bundles and discounts for young drivers are the best options.
Questions frequently asked
Which is the best auto insurance company?
There are many best Ontario car insurance companies. Take into account the most important factors to you, and compare several quotes to determine the best deal.
What is the cost of car insurance in Ontario?
Ontario’s average car insurance cost is $763 per year for minimum coverage and $2,098 to cover full coverage. Bankrate’s California premiums report shows that rates are slightly higher than the average rate of $733 for minimum coverage and $2,065 to cover full coverage.
What amount of car insurance do you need in Ontario?
Ontario vehicle owners must have liability coverage that covers at least $15,000 for death or bodily injury per person, $30,000 per accident death//or bodily injuries per accident, and $5,000 per accident property damage.