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Updated July 21, 2022
The average cost of car insurance in Upland is $189 per month or $2,268 annually.
Car insurance in Upland is $67 less than the average cost of insurance in California.
The cheapest top car insurance provider in Upland on average is Progressive.
Car Insurance in Upland, CA
Folks in the LA metro know that car insurance is important but expensive. In this article, you’ll find average quotes from the top insurance companies in Upland, California, and learn how different factors like driving record and credit score will affect your rates. Before buying a policy, make sure you compare car insurance quotes and companies.
Quotes by Top Companies
Cheapest Car Insurance in Upland, CA
What is the cheapest car insurance in Upland?
Progressive is the cheapest top car insurance provider on average in Upland, with rates starting at $130 per month. It’s still important to compare car insurance rates, as everyone’s situation is different.
In this table, you’ll get a sense of the average insurance rates that companies are offering drivers in Upland. Looking at these options, it’s clear that affordable car insurance should be attainable for many Upland drivers.
|Insurance Company||Average Monthly Quote|
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Minimum Car Insurance Requirements in California
All motor vehicles operated or parked on California roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
$15,000 per person for bodily injury
$30,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. California is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$5,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Upland Car Insurance Rates by Driving and Accident History
Car insurance companies take your driving record into account when setting your auto insurance premium, so be sure to take care when you’re behind the wheel. Speeding tickets, DUIs, and at-fault car accidents do significant damage to your insurance premiums. It’s simple: safe drivers save money.
Upland Car Insurance Rates by Credit Tier
Generally, when you’re buying insurance coverage, companies use your credit score to judge how likely they think you are to pay on time. If your credit isn’t great, you’ll generally pay more for auto insurance. But in California, insurance companies are regulated in their use of credit scores—so your credit history won’t have any effect on what you pay for auto insurance.
How to Get the Cheapest Car Insurance in Upland
Finding cheap car insurance in Upland starts with maintaining a clean driving record, but if that’s not possible, affordable insurance coverage can still be found. Every car insurance company has various discounts, so make sure you take advantage of the ones you qualify for, such as good student and defensive driving discounts.
Drivers should also take the time to compare car insurance companies. Insurance companies weigh factors differently, so the only way to find the one that is the best fit for you is by comparing quotes. With Insurify, you can compare quotes from the top companies in your area side by side in a few minutes.
Frequently Asked Questions
For drivers in Upland, it pays to have a clean driving record if your goal is cheap car insurance. Bundling with other insurance products, like homeowners insurance or renters insurance, yields a critical insurance discount that will help lower your premiums. But the most important task for Upland drivers is to find as many car insurance quotes as possible.
On average, car insurance companies charge drivers in Upland $189 per month for auto insurance. The premiums you pay will depend on your insurance needs, your driving record, and other aspects of your profile, like your age and the car you drive. California insurance companies can’t use your credit score to set your rates.
Car accidents and DUIs will hinder your chances at cheap car insurance. If you’re more likely than other drivers to get in an accident, you’ll be charged a pretty penny for liability coverage. If you have an expensive car, you’ll want to buy robust insurance, and that could come with high premiums.
How Upland Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Upland, California below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Upland drivers measure up to their fellow motorists across California in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Most Popular Car in Upland
City with the Most Speeding Tickets Rank in California
City with the Most Moving Violations Rank in California
City with the Most DUIs Rank in California
City with the Most Suspended Licenses in California
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Upland drivers rank 138 in the number of car accidents per driver across all cities in California.
- Rank within state: #138
- Percent of drivers in Upland with an accident: 10.4%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Upland drivers rank 152 in the number of DUI’s per driver across all cities in California.
- Rank within state: #152
- Percent of drivers in Upland with a DUI: 2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Upland drivers rank 123 in the number of reckless driving offenses per driver.
- Rank within state: #123
- Percent of drivers in Upland with a reckless driving offense: 1.5%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Upland drivers rank 101 in rude driving infractions.
- Rank within state: #101
- Percent of drivers in Upland with a reckless driving violation: 1.9%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Upland drivers rank 285 in the number of speeding infractions per driver.
- Rank within state: #285
- Percent of drivers in Upland with a speeding ticket: 5.6%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Upland drivers rank 122 in clean driving records across all cities in California.
- Rank within state: #122
- Percent of drivers in Upland with clean record: 80.5%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Upland drivers rank 156 in hybrid and electric vehicle ownership across all cities in California.
- Rank within state: #156
- Percent of drivers in Upland with a hybrid/electric vehicle: 2.96%
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- California Department of Motor Vehicles. "State Minimum Car Insurance." Accessed May 28, 2022
- The Online Traffic School, Inc. - California. "How California Traffic Tickets Affect Auto Insurance?." Accessed July 20, 2022
- The Pew Charitable Trusts. "Some States Take Aim at 'Discriminatory' Auto Insurance Pricing." Accessed July 20, 2022