Best Auto Insurance Rates in Fontana, California

On average your neighbors pay $70 a month.

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Compare Auto Insurance in Fontana

Friday, November 9 2018 By Shantae Young

Fontana, California is a city located in San Bernardino County. Though it might be a small city, Fontana is big into auto racing. It’s home to Auto Speedway Club and has hosted NASCAR racing annually for almost 20 years. Driving at high speed can cause serious car accidents and drive up your insurance rates.

Average Fontana Car Insurance Rates

How much is car insurance in Fontana, CA? A higher than average frequency of accidents (and insurance claims) and a very high vehicle theft rate means average car insurance rates in Fontana are higher than both the state and national averages. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.

Prices may vary depending on your zip code and the total number of claims filed.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

California average car insurance rates

QuoteWizard helps consumers compare quotes from both national car insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Fontana and save up to 40% on your premium.

Last year, 4,131 people used QuoteWizard to compare car insurance quotes in Fontana, CA from different companies to find the best rates.

Best Car Insurance Companies in Fontana, CA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Fontana, CA last year.

  1. State Farm
  2. Allstate
  3. GEICO
  4. Farmers
  5. Progressive
  6. AAA
  7. Mercury
  8. Infinity
  9. Esurance
  10. Liberty Mutual

Top 10 Vehicles

These are the most common car makes and models owned by Fontana drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX
  2. Ford F150
  3. Honda Civic EX/LX/DX
  4. Ford Mustang
  5. Nissan Altima 2.5 S/SV/SR/SL
  6. Toyota Camry LE/XLE/SE
  7. Nissan Sentra S/SV/SR/SL
  8. Ford Explorer
  9. Toyota Scion TC
  10. BMW 328i

Minimum Car Insurance Requirements in Fontana, CA

To legally operate motor vehicles, Fontana, California drivers must follow the 15/30/5 minimum liability coverage rule. This rule requires drivers to maintain car insurance policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurance company will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurance company will pay for property damage caused by a car accident.

Fontana Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Fontana, CA ranks 110th out of 200 US cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 8.4 years.

Driving Conditions

Factors that can influence insurance rates are weather and road conditions.

Weather

Fontana has a semi-arid Mediterranean climate with mild winters and long, hot summers. Annual precipitation averages only 15 inches and half of that falls between December and April leaving city streets dry the rest of the year.

Road Conditions

Fifteen of California's most urban areas were ranked for the conditions of their roads. The areas surrounding Fontana, the San Bernardino-Riverside metropolitan area, were ranked 12th in the nation for worst road conditions in the country. According to a recent study by TRIP, 46% of the major roads in the Riverside-San Bernardino area are in poor condition, with 41% mediocre. These poorly maintained, pothole-filled streets costs drivers $812 a year on average in extra vehicle operating costs.

Traffic Congestion

Fontana is not ranked for traffic congestion but the nearby San Bernardino-Riverside metro area, ranks 19th for worst traffic in the United States according to TomTom's annual traffic index report. An average commuter spends an additional 16 minutes per hour stuck in traffic during peak commute times and 62 hours a year for commutes of 30 minutes.

Traffic data provider Inrix provides a traffic scorecard to rank the most congested US cities. According to their 2014 data, the Riverside-San Bernardino area has the nation's tenth worst traffic congestion. Their data shows that area commuters wasted 59 hours stuck in traffic congestion last year.

Moving Violations

Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. When your insurance carrier sees these points on your driving history, they'll jack your rates up. You may even be required to purchase a high-risk policy.

Traffic Tickets

The Superior Court of California, County of San Bernardino traffic division website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

The Traffic Unit of the Fontana Police Department issued 12,297 citations in 2012.

DUI Arrests

The Fontana Police department made 409 arrests for suspicion of driving under the influence in 2012. 

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Fontana DUI insurance.

Traffic Fatalities

Fontana experienced 15 deaths in motor vehicle crashes in 2013s. This works out to a fatality rate of 7.39 per 100,000 residents. All traffic deaths are a tragic loss, but considering Fontana’s estimated population of 203,003 this is a relatively safe city in terms of traffic fatalities.

Vehicle Theft Rates

Fontana Police reported 1,042 motor vehicle thefts in 2016. A rate of 5.02 per 1,000 residents, nearly twice the national theft rate of 2.16 per 1,000.

Car Insurance Discounts

If you want to find affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Fontana, CA.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies and vehicles together with a single insurer can knock as much as 20% off your premium
  2. Get a new car to qualify for the new car discount. If the car has advanced safety features and anti-theft devices and an alarm system you could qualify for additional insurance discounts
  3. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  4. Keep your driving record clean. Too many tickets and especially at-fault accidents will increase your rates significantly
  5. Maintain at least a B grade point average ion school to qualify for the good student discount
  6. Drive less. Live close to work and get the low mileage discount

Sources:

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