Located in southwest California, Ontario has very few things in common with the Canadian province of the same name. But one important detail is the same: drivers in both locations are trying to find the best car insurance in Ontario.
Keep reading to discover everything you need to know about car insurance in Ontario.
- In 2019, there were ten traffic-related fatalities
- The average cost of car insurance in Ontario, California, is $125.83
How Much Is Car Insurance in Ontario?
Ontario drivers need to protect themselves with good car insurance. But just how much is it going to cost at the end of each month?
The average cost of car insurance in Ontario, California, is $125.83. This is a little bit cheaper than both the state average cost of car insurance (which is $131.42) and the national average cost of car insurance (which is $133.25).
But how cheap is car insurance in Ontario compared to other major cities? Below, we have a breakdown of how Ontario stacks up against other well-known California areas.
|City||Monthly Average Rate|
Ontario Car Insurance Rates by Zip Code
By now, it should be obvious to every Ontario driver that moving to another California city can have a major impact on your monthly car insurance premium. But many drivers are surprised to discover that all it takes is a slight change in zip code to get a change (sometimes a major change) in how much you pay.
Don’t believe it? Below, we have a table of different Ontario zip codes and the average cost of car insurance in each area.
|Zip Code||Average Monthly Rate|
Ontario Car Insurance Rates by Age
Moving to different cities within the state or just moving to a new Ontario neighborhood may have a major effect on how much you pay for car insurance. But the same thing can happen if you never move at all due to the fact that age impacts the cost of your car insurance.
To give you a better idea of how much you might pay in the coming years, we have a breakdown of the average car insurance prices in Ontario based on the age of the driver.
|Age||Average Monthly Rate|
Driving Conditions in Ontario
How Many Fatal Accidents Happen in Ontario?
Relatively speaking, it is fairly safe to drive in Ontario, California. In 2019, there were ten traffic-related fatalities. This was a result of ten fatal car accidents.
How Are the Road Infrastructure and Bridges in Ontario?
The infrastructure in Ontario is really strong. The Capital Improvement Plan works each week to keep the roads paved and to rehabilitate any damaged areas. Construction work as a result of this project keeps traffic clogs to a minimum, and the city’s recently-approved energy infrastructure modernization project will provide smart streetlights that help make the city even safer for drivers.
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Minimum Car Insurance Requirements in Ontario
We always advise Ontario drivers to get more than the minimum amount of car insurance required. But do you know what the minimum insurance requirement is for the state?
For all California cities, you must have at least liability insurance in the following amounts:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for property damage
Because liability only pays out for accidents in which you are at fault, we recommend supplementing with collision coverage to help protect your car.
Factors Allowed in Ontario Car Insurance Rates
Earlier, we revealed that your age and location play a major role in how much you pay for car insurance in Ontario, California. But do you know the other factors that your insurance carrier is legally allowed to consider?
Below, we have a list of all factors that car insurance carriers in California may consider when setting your insurance premium:
- Zip code
- Education & occupation
- Marital status
Fortunately for California drivers, there are two factors that your insurance carrier cannot examine before setting your rate. And these are those factors:
- Credit score
Discounts for Car Insurance in Ontario
Want to lower how much you pay for car insurance in Ontario? All you have to do is contact your insurance carrier and inquire about their special discounts for drivers.
Below, we have a list of common discounts offered by Ontario insurance companies:
Discount for safe driving
Discount for installing anti-theft devices
Discount for being a college student
Discount for military service
Discount for having multiple policies with the same carrier
Discounts for being mature, retired, or a senior citizen
To find out which discounts your carrier offers, you need to contact them. And don’t forget to ask about discounts when you shop around for a new car insurance policy!
What Are the Penalties for Driving Without Insurance in Ontario?
You need the minimum level of car insurance required in Ontario, or you may be left facing legal trouble and bills for unpaid damages. But what happens if you are driving around without any insurance at all?
If that happens, a first-time offender may pay a fine between $100-$200. The court may potentially add other fees and penalties beyond that.
If there is a second offense within three years of the original offense, the fine increases and will range between $200-$500. The court retains the discretion needed to add additional penalties and fees.
Get an Ontario Insurance Quote Today!
Now you know all the most important details about car insurance in Ontario, California. But do you know where to find the California insurance carrier you’ve been dreaming of?
Here at Freeway Insurance, we are proud to offer the best insurance plans in Ontario. Get started with a quote online, or visit us at a local office near you. You can also call us at (800) 777-5620 for a quote.