What You Should Know about Car Insurance in Ontario, CA

Ontario is known as the gateway to Southern California. It is about 35 miles east of Los Angeles and is less than an hour’s drive from some of the Pacific Ocean’s beautiful beaches. Founded as a planting ground for lemon and orange orchards in the late 1800s, the city now has its own international airport, respectable schools such as West Coast University and University of La Verne Law School, and a vibrant downtown.

Ontario’s population increased by nearly 7% between the 2010 and 2020 censuses, and new housing is constantly being built to accommodate the continued growth. From shopping at the more than 200 stores at Mills Mall to spending a day at the Cucamonga Guasti Regional Park, all of Ontario’s residents and visitors have plenty of attractions and places of interest to visit.

Before you make your way around town, make sure to protect yourself and your vehicle with proper car coverage. Expert agents are waiting to help you find the best auto insurance at the best price in California.

How Much Does Car Insurance Cost in Ontario, CA?

The Golden State has a higher-than-average cost of coverage for vehicles. Obtaining car insurance in California comes with a price tag of $2,291 on average for a full coverage policy and $636 if you only want to fulfill the state’s minimum liability requirements. In the rest of the U.S., full coverage averages $2,014, and a basic policy costs approximately $622.

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What Does Full Coverage vs. Minimum Liability Mean?

As you shop for a policy for your vehicle, your agent will mention several types of insurance policies and options that might interest you.

A full coverage policy gives you a high level of protection. It includes coverage for many different scenarios, whether you are out driving or your car is parked. For example, if you cause a crash, your insurer would pay for damages to both the other party’s vehicle and your own. If your car is ruined by a flood or other natural disaster, stolen, or totaled by an uninsured driver, your insurer will help you replace it.

In contrast, a minimum liability policy only pays for damages you cause others but not for your vehicle when you are at fault. Drivers typically choose this type of policy when they want the most affordable plan available. They obtain full coverage if they are willing to pay the extra cost of protecting themselves and their vehicles as much as possible.

Affordable Car Insurance Rates Comparison by Cities in California

The chart below shows the average monthly premiums in Ontario compared to some of California’s other cities.

City Full Coverage Insurance Liability Insurance Coverage
Ontario $150 $99
Riverside $153 $93
San Bernardino $215 $96
Santa Monica $145 $99
Long Beach $163 $109

How Bundling Your Car and Homeowners Insurance Can Save You Money in Ontario

Bundling insurance is when you get more than one policy from the same carrier, such as car and homeowners coverage. You gain by only having to provide your details to an insurer once, and they can shop for both policies for you using this information. It is also easier to manage two policies under the same carrier than having to deal with multiple companies.

In addition, you can save as much as 25% on both policies when you bundle. These savings vary by carrier — some will give you more of a discount on your homeowners and others on your car policy, and a lot will depend on your details. While it takes a lot of work to get the most out of bundling, InsureOne agents will do all that work for you. They will compare quotes with multiple carriers to customize a package that gets you the maximum available discount on both of your policies.

What Types of Car Insurance Discounts Are Available in Ontario

InsureOne deals with multiple carriers, each offering various discounts that can lower your premiums significantly. The following are some of the discounts you might qualify for in Ontario:

  • Loyalty discount
  • Multi-Car discount
  • Premium Upfront discount
  • Auto-Pay discount
  • Senior discount
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Notable Car Insurance Laws in Ontario

Ontario does not have specific insurance laws that might affect your policy or coverage requirements. In this regard, they fall under the purview of state law.

What Are the Mandatory Car Insurance Requirements in Ontario

California law requires drivers to obtain a 15/30/5 liability policy at a minimum. Such a policy includes the following.

  • $15,000 bodily injury protection per person
  • $30,000 bodily injury per accident in case multiple people are hurt
  • $5,000 property damage

These requirements are on the low end compared to other U.S. states.

What Is the Penalty for Driving Without Insurance in Ontario

As is the case in other U.S. states, driving without coverage is illegal. Offenders who are caught may be subject to all or some of the following:

  • $100 to $250 fine
  • $200 to $500 for a second offense
  • License suspension
  • Vehicle impoundment
  • Additional penalties

Do Ontario-Specific Laws Play a Role in Determining Your Insurance Premiums?

Ontario laws don’t affect your premiums, but here are some of the factors that do:

  • Vehicle safety rating: Safety features help lower your premiums because they reduce the likelihood of you causing an accident
  • Coverage add-ons: You can choose from a variety of coverages, such as 24/7 roadside assistance, but each will add to your premium costs
  • Replacement cost of your vehicle: The more it will cost your insurer to replace your vehicle, the more they will charge you for your policy
  • Driving experience: Experienced drivers are less likely to cause an accident than beginners, so they pay lower rates
  • Theft rate: If you live in a high crime area or have a vehicle that has a high theft rate, your insurer will charge you more since they are more likely to be subject to a claim
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Insurance That Helps You Prepare for the Future

Insurance is something that nobody enjoys paying for, but everybody needs. But when you think about it, there are many benefits to getting coverage for your vehicle.

Imagine not having a minimum liability policy. Every time you drive, you would have to worry that if you cause damage, you will have to pay out of pocket. You would have to keep money in savings just in case you cause a crash, without knowing how much money you should put aside. Imagine not having collision coverage and having to budget for a new car even though you just bought one, just in case yours gets totaled in an accident.

Vehicle coverage brings you peace of mind and financial security. At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your needs.

Typical Driving Conditions in Ontario

The climate in Ontario shouldn’t affect driving conditions much. Winter temperatures are typically above 40 degrees, and summer doesn’t get much hotter than in the low 90s. Around town, you will find the typical patterns that you find in cities with lighter traffic during the daytime and some congestion during peak hours, especially on major roads like the 10, 60, or 15.

How Many Car Accidents Happen in Ontario Per Year?

According to the California Office of Traffic Safety, the following are stats for accidents that led to injuries or death in Ontario and some other cities in the Golden State.

City Injuries or Fatalities Resulting from Crashes, 2021
Ontario 952
Riverside 1,802
San Bernardino 1,433
Santa Monica 499
Long Beach 3,433

How Many Uninsured/Underinsured Motorists Are in Ontario?

The Insurance Information Institute reports that 17% of California drivers were uninsured in 2022. That means that nearly one out of six drivers in the state is uninsured. If an uninsured driver crashed into your car, you would have to figure out how to pay for the damages to your car on your own.

Get Covered by the Best Car Insurance in Ontario, California Today

InsureOne is a full-service insurer that works with high-quality carriers. We can help you with all of your insurance needs and present you with personalized, affordable quotes that are specific to your coverage preferences.

We will save you time and money by researching quotes and presenting you with several options that meet your needs. Visit one of our offices, call us at (800) 836-2240, or check out our website for a quote.