Rancho Cucamonga, CA Car Insurance

The average monthly car insurance rate in Rancho Cucamonga is $161. Are you paying too much?

Insurance coverage amid California wildfires

Comprehensive car insurance covers wildfire damage but must be in place before an incident. The California Insurance Commissioner has issued a one-year moratorium on cancellations for affected ZIP codes. Check eligibility and find resources through https://disasterassistance.gov/ or visit our guide for more details.

By Ross Martin

Updated December 8, 2022

Edited By Renata Balasco

How much does auto insurance cost in Rancho Cucamonga?

Auto insurance costs an average of $1,935 per year in Rancho Cucamonga. That's more expensive than the average across California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Rancho Cucamonga.

AUTO INSURANCE COSTS: RANCHO CUCAMONGA VS. STATE AND US AVERAGES

Rancho Cucamonga Average (annual)	California Average	U.S. Average
$1,935	$1,868	$1,548

Rancho Cucamonga auto insurance costs by company

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers Rancho Cucamonga's most affordable premiums. See below the best companies for cheap auto insurance in Rancho Cucamonga — but don't forget to collect personalized car insurance quotes to match your driving profile.

RANCHO CUCAMONGA CAR INSURANCE RATES BY COMPANY

Insurer	Average Yearly Rate
GEICO	$1,300
Mercury	$1,349
AAA	$1,703
Infinity	$1,864
Alliance	$1,976

Check out our guide to learn how to find the cheapest car insurance. Then, see our list of the best auto insurers ranked by customer satisfaction and other factors.

Rancho Cucamonga car insurance premiums by age

The best age for car insurance rates as a driver in Rancho Cucamonga is your 60s: drivers in this age group pay an average of $1,726 per year. Those in their 50s don't pay significantly more ($1,736).

Young drivers aged 16 to 19 pay the most for car insurance in Rancho Cucamonga. One of the easiest ways to lower your car insurance rates as a driver in Rancho Cucamonga is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Rancho Cucamonga is $4,315, the largest such difference between any two age brackets.

RANCHO CUCAMONGA CAR INSURANCE PREMIUMS BY DRIVER AGE

Age	Average Annual Rate
Teenagers	$7,178
20s	$2,864
30s	$1,883
40s	$1,822
50s	$1,736
60s	$1,726
70s	$2,003

Learn more about how age influences auto insurance rates.

Rancho Cucamonga car insurance premiums by gender and marital status

Marital status and gender can be contributors to car insurance rates, in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Rancho Cucamonga pay $80 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Rancho Cucamonga, single drivers pay more than those who are widowed.

Gender is another factor that can impact auto insurance costs. In Rancho Cucamonga, female drivers pay $3 per year more than do male drivers.

RANCHO CUCAMONGA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER

Gender/Marital Status	Average Yearly Rate
Female	$1,938
Male	$1,935
Single	$1,855
Married	$1,855
Divorced	$1,935
Widowed	$1,880

Learn more about how gender and marital status have on car insurance rates.

Rancho Cucamonga car insurance costs by violation history

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Rancho Cucamonga drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $3,340 per year versus the city average. A ticket for speeding results in a $793 rate hike, on average, while a DUI violation costs $3,243per year in insurance premiums.

AVERAGE RANCHO CUCAMONGA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT

Incident	Average Annual Rate
DUI/DWI	$5,178
Reckless Driving	$5,275
At-fault Accident (damages less than $1,000)	$1,942
At-fault Accident (damages > $2,000)	$3,399
Speeding Ticket (16-20 mph over speed limit)	$2,728

Learn more about the impact of driving violations on car insurance rates.

Rancho Cucamonga auto insurance premiums by credit score

In many cases, a driver's credit level is closely correlated with their auto insurance rates. However, California doesn't allow auto insurers to set rates with credit score in mind.

Compare car insurance rates side-by-side!

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
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The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.