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USAA offers the cheapest car insurance in Fontana, with an average monthly liability rate of $69.
Fontana’s average monthly rates are slightly higher than the California state average.
San Bernardino County has some of the highest vehicle theft rates in the country, which increases insurance rates.
Fontana drivers pay average monthly rates of $102 for liability-only coverage and $211 for full-coverage car insurance. The city’s rates are slightly higher than the California statewide average.
Fontana is one of the more expensive cities in the Inland Empire. Nearby Rancho Cucamonga averages $107 per month for liability coverage, while Riverside averages $94.
Fontana’s higher population density contributes to its above-average car insurance costs.[1] The more drivers on the road, the higher the risk of an accident and insurance claims.
The following table shows the average monthly rates in Fontana compared to the state average, according to Insurify data.
Car Insurance Costs in Fontana vs. California | Average Monthly Quote |
|---|---|
| Fontana average | $157 |
| California average | $148 |
USAA offers the cheapest liability insurance in Fontana, with an average monthly rate of $69.
If you’re looking for cheap full-coverage car insurance in Fontana, Aspire General is the most affordable choice, with policies averaging $128 per month.
Find coverage in Fontana, starting at an average of $69 per month
Fontana sits at the intersection of three major freeways — Interstate 10, I-15, and state Route 210. Traffic can quickly build during peak commuting hours, especially along Sierra Avenue and Foothill Boulevard. In 2023, Fontana saw 911 people injured or killed in auto accidents, according to the California Office of Traffic Safety.[2]
It’s also worth paying attention to the parking rules in Fontana, especially if you regularly drive a work vehicle or trailer. The city prohibits drivers from parking oversized vehicles on public streets for more than four consecutive hours without a permit.[3]
San Bernardino County has some of the highest vehicle theft rates in the country. The county ranked No. 14 in the nation for vehicle thefts during the first quarter of 2025, according to the National Insurance Crime Bureau. Thieves stole more than 4,000 vehicles during this period, but overall thefts are down 23% from 2024.
Fontana drivers may want to consider full-coverage car insurance, which includes comprehensive coverage. Comprehensive insurance covers theft and vandalism damage. Liability coverage doesn’t include theft, which could mean you’ll have to pay out of pocket if someone steals your car.
At $157 per month, Fontana’s average car insurance rates are above the statewide average. But the city’s rates still fall well below those of more expensive areas like Los Angeles and Glendale. Rates in nearby Riverside are typically lower, which reflects Fontana’s higher vehicle theft rates.
The following table compares the average monthly rate in other California cities.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
Traffic congestion plays a significant role in Fontana’s average car insurance costs. The city sits at the intersection of I-10, I-15, and state Route 210, making it one of the busiest hubs in the Inland Empire.
The average commute time in San Bernardino County is 33 minutes, higher than the national average.[4] More traffic and longer commute times increase the risk of collisions and drive up insurance rates. That said, the rate of people commuting has dropped recently as more people work from home.
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25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Licensed property and casualty insurance agent
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Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Liability-only car insurance is usually the most affordable coverage in Fontana. But while liability coverage often costs less, it covers only damages and injuries you cause to others.
California’s car insurance requirements mandate that all drivers need at least $30,000 per person and $60,000 per accident of bodily injury liability coverage and at least $15,000 of property damage liability coverage.[5]
The following table shows the cheapest rates for liability-only car insurance in Fontana.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $65 |
| Aspire General | $69 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Root | $86 |
| Direct Auto | $88 |
| Allstate | $90 |
| Farmers | $92 |
| Anchor | $95 |
| Bristol West | $100 |
| State Farm | $100 |
| Kemper Special | $104 |
| Travelers | $105 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $179 |
Fontana drivers may want to opt for full-coverage car insurance due to the city’s heavy traffic and high vehicle theft rates. Full coverage helps pay for things liability insurance won’t cover, like weather-related damage, vandalism, and theft.
The following table shows the cheapest rates for full-coverage car insurance in Fontana.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $121 |
| Root | $134 |
| Mercury | $140 |
| GEICO | $141 |
| USAA | $144 |
| Kemper Special | $158 |
| Kemper Rsvp | $161 |
| Sun Coast | $167 |
| Anchor | $177 |
| Dairyland | $191 |
| National General | $194 |
| Allstate | $199 |
| Farmers | $205 |
| Bristol West | $213 |
| Direct Auto | $213 |
| State Farm | $221 |
| Travelers | $233 |
| 21st Century | $253 |
| First Acceptance | $339 |
| Chubb | $394 |
*Quotes generated for Insurify users in and around Fontana, California within the last 10 days. Last updated on August 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fontana, California within the last 10 days. Last updated on August 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Fontana drivers with a recent ticket pay an average of $199 per month for car insurance.
Penalties for speeding vary depending on how fast you were going, but fines easily exceed $100.[6] San Bernardino County gives you multiple ways to pay a ticket. You can pay online, by phone, by mail, or at the courthouse.
The following table shows the cheapest rates for drivers with a recent ticket in Fontana.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $84 |
| Aspire General | $88 |
| Sun Coast | $90 |
| National General | $92 |
| GEICO | $92 |
| Dairyland | $101 |
| Mercury | $102 |
| Root | $103 |
| Direct Auto | $112 |
| Allstate | $118 |
| Anchor | $118 |
| Farmers | $119 |
| Bristol West | $127 |
| State Farm | $128 |
| Kemper Special | $132 |
| Travelers | $137 |
| Kemper Rsvp | $146 |
| 21st Century | $152 |
| First Acceptance | $196 |
| Chubb | $230 |
Drivers in Fontana with an at-fault accident on their record pay an average of $200 per month for car insurance.
California is an at-fault state, so the driver who causes an accident is responsible for paying for any injuries and damages. Fontana’s traffic congestion increases the risk of collision, and your insurer will likely raise your rates after an accident.
The following table shows the cheapest rates for drivers with an at-fault accident on their record in Fontana.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $86 |
| Aspire General | $88 |
| Sun Coast | $91 |
| GEICO | $91 |
| National General | $96 |
| Dairyland | $105 |
| Root | $106 |
| Mercury | $107 |
| Direct Auto | $118 |
| Allstate | $119 |
| Farmers | $121 |
| Anchor | $122 |
| Bristol West | $130 |
| State Farm | $131 |
| Kemper Special | $133 |
| Travelers | $140 |
| Kemper Rsvp | $147 |
| 21st Century | $155 |
| First Acceptance | $197 |
| Chubb | $235 |
After a driving under the influence (DUI) conviction, Fontana drivers pay an average of $212 per month for car insurance.
In San Bernardino County, first-time DUI offenders lose their license and pay an average of $13,500 in fines and penalties.[7] Your insurer will also likely increase your rates after a DUI. It may even drop your coverage altogether.
The following table shows the cheapest rates for drivers with a DUI in Fontana.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $91 |
| Aspire General | $93 |
| Sun Coast | $96 |
| GEICO | $97 |
| National General | $102 |
| Mercury | $108 |
| Dairyland | $113 |
| Root | $120 |
| Direct Auto | $123 |
| Allstate | $126 |
| Farmers | $128 |
| Anchor | $133 |
| Bristol West | $140 |
| State Farm | $140 |
| Kemper Special | $141 |
| Travelers | $147 |
| 21st Century | $155 |
| Kemper Rsvp | $155 |
| First Acceptance | $208 |
| Chubb | $250 |
Fontana teens pay an average of $283 per month for car insurance.
Many insurers offer discounts for teens who complete a driver training course. San Bernardino County offers a one-day class for teen drivers. During the eight-hour session, teens learn defensive and safe driving techniques.[8]
The following table shows the cheapest rates for teenage drivers in Fontana.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $119 |
| Aspire General | $124 |
| GEICO | $126 |
| Sun Coast | $128 |
| Root | $129 |
| Mercury | $132 |
| Dairyland | $140 |
| National General | $144 |
| Direct Auto | $170 |
| Bristol West | $176 |
| Allstate | $176 |
| Anchor | $181 |
| Farmers | $182 |
| Kemper Special | $187 |
| State Farm | $192 |
| 21st Century | $204 |
| Kemper Rsvp | $207 |
| Travelers | $216 |
| First Acceptance | $277 |
| Chubb | $365 |
Compare quotes from the city’s top insurers and save money today
Almost 10% of Fontana residents are seniors. Senior drivers usually pay less for car insurance because they tend to have safer driving habits.
Seniors in Fontana pay an average of $143 per month for car insurance.
The following table shows the cheapest rates for senior drivers in Fontana.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $54 |
| GEICO | $57 |
| National General | $59 |
| Mercury | $59 |
| Aspire General | $63 |
| Sun Coast | $64 |
| Dairyland | $71 |
| Direct Auto | $74 |
| Farmers | $75 |
| Allstate | $75 |
| Anchor | $79 |
| State Farm | $81 |
| Root | $81 |
| Bristol West | $86 |
| Travelers | $86 |
| 21st Century | $93 |
| Kemper Special | $94 |
| Kemper Rsvp | $104 |
| Chubb | $139 |
| First Acceptance | $140 |
Fontana car insurance costs more than the California state average, but you still have ways to save money. Below, we answered some common questions about car insurance in the city.
Auto insurance in Fontana costs an average of $157 per month. Liability coverage costs an average of $102 per month, and full coverage averages $211, according to Insurify data. How much you pay for car insurance depends on several factors, including your ZIP code, age, and the car you drive.
Shopping around and comparing quotes is one of the best ways to find affordable car insurance in Fontana. You can also ask your insurer if you qualify for any discounts. Many companies also offer savings when you bundle your auto and homeowners or renters insurance.
USAA is the cheapest car insurance company for Fontana drivers. The company’s liability rates average $69 per month. But it’s still important to shop around and compare multiple car insurance quotes to make sure you get the best price for your coverage.
Fontana’s traffic congestion and high vehicle theft rates affect car insurance rates in the city. Insurers typically charge higher premiums in areas with heavy traffic and high theft rates. Your driving history, vehicle, age, and ZIP code in Fontana also affect your car insurance rates.
It depends. For liability-only insurance, $200 per month is expensive, considering the city average is $102. But $200 per month is close to the average costs of full coverage in Fontana. It may also be an affordable rate if you’re insuring a car with a high theft risk, like a Kia or Hyundai.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
