in Chino costs about $73 per month for minimum coverage liability insurance, and about $148 per month for full coverage insurance. Chino drivers pay 6% less than the

California

average.

Quote Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
September 21, 2023	Infinity	$89	Patrick, 24 Zip: 91708	Ford Mustang	• State Minimum Liability
September 14, 2023	Clearcover	$142	Brian, 61 Zip: 91708	Mazda CX-5 Touring	• 50,000/100,000 Liability • Comp / Collision
September 12, 2023	Progressive	$78	Mary, 30 Zip: 91710	Mazda 3 Sport	• State Minimum Liability
September 10, 2023	National General	$103	Cordelia, 29 Zip: 91708	Toyota Corolla VE	• 50,000/100,000 Liability
September 7, 2023	National General	$203	Bettie, 23 Zip: 91710	BMW 535 i	• State Minimum Liability

Last Updated Sep 21, 2023

Compare car insurance quotes now

How'd we get this data?

Real Insurance Agents

Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).

Real Insurance Quotes

Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.

Real Insurance Companies

We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.

Best Car Insurance Companies in Chino

There is no single best car insurance company for everyone. The most important reason is that every customer gets different

car insurance quotes

based on their profile—meaning that the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service.

To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.

The table below shows how drivers in Chino rate different companies on a scale of 0 to 5.

Insurance Company	Overall Rating	Price	Claims Experience	Customer Service
Progressive	4.4	3.9	3.9	4.3
USAA	4.3	4.8	4.8	4.8
Geico	4	3.5	3.8	3.9
State Farm	3.9	3.3	3.7	4
Liberty Mutual	2.8	3.2	2.7	2.7

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Chino

California has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Chino and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.

Cheap minimum liability insurance quotes in Chino

In order to legally hit the road, Chino , California drivers need to meet California minimum coverage limits for bodily injury liability and property damage liability

California minimum liability coverage includes $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 for damage to property. These coverages are commonly referred to as 15/30/5 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.

Here are some examples of Chino car owners that Jerry recently assisted with obtaining minimum liability coverage.

Progressive

Mary (30 years old)

Coverage

State Minimum

Chino, CA (Zip Code: 91710)

Mazda 3 Sport

$78

per month

Allstate

Gavin (32 years old)

Coverage

State Minimum

Chino, CA (Zip Code: 91710)

Honda Civic EX

$130

per month

Infinity

Patrick (24 years old)

Coverage

State Minimum

Chino, CA (Zip Code: 91708)

Ford Mustang

$89

per month

Aspire Advantage

George (23 years old)

Coverage

State Minimum

Chino, CA (Zip Code: 91710)

BMW 535 i

$164

per month

Do you need more than minimum coverage in Chino?

Most drivers in Chino need higher liability coverage than the 15/30/5 state minimum mandated by

California car insurance laws

In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 15/30/5 limit, especially if you cause serious injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above that scant $5,000 property damage limit.

And keep in mind:

California’s car accident laws

allow drivers to file bodily injury lawsuits for up to two years after a car accident and sue for property damage for up to three years—so your liability extends long past the initial accident!

The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Chino

Full coverage car insurance

is the only way to protect yourself from costs associated with repairing or replacing your car.

Full coverage includes comprehensive and collision coverage.

Collision coverage

covers the cost of fixing or replacing your car after an accident, while

comprehensive coverage

pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters. If you have a loan on the car, your lender will typically require collision and comprehensive coverage.

On top of a full-coverage policy, you can purchase

uninsured motorist coverage

to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.

The table below shows some recent examples of cheapest Chino full coverage quotes that Jerry’s agents helped our customers obtain.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 25,000/50,000 Liability • Comp / Collision	Progressive	$133	Danny, 33 Zip: 91708	Jeep Compass Latitude LUX
• State Minimum Liability • Comp / Collision	Nationwide	$198	Madge, 31 Zip: 91710	Dodge Charger SXT Plus
• State Minimum Liability • Comp / Collision	Safeco	$204	Clifford, 41 Zip: 91710	Lexus RX 350 F-Sport
• 50,000/100,000 Liability • Comp / Collision	Travelers	$156	Alex, 36 Zip: 91710	Volkswagen Atlas SE

Last Updated Sep 23, 2023

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry,

a top insurance agency

, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

Lower my car insurance too!

Average cost of car insurance in Chino

By helping lots of drivers in Chino find car insurance, we found that the average cost for minimum liability coverage is $73 per month or$874 per year. The average cost for full coverage insurance in Chino is $148 per month or $1,770 per year.

While average insurance rates can help you predict your own insurance costs, it's important to note that each driver's insurance premium is calculated based on many factors such as the type of car, driving record, claims history, and demographics.

Average cost of car insurance in Chino by zip code

Even within the same city, car insurance rates can still vary based on where you live. Neighborhoods that have a greater incidence of auto theft, car accidents, and other situations that can lead to insurance claims will be flagged as “high-risk.” Drivers living in these neighborhoods tend to pay more than people in other areas of the city.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
91708	$63	$326
91710	$82	$216

Compare car insurance costs in other states

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Car insurance quotes in Chino by rating factors

Insurance companies in Chino use many rating factors when

deciding your auto insurance premium

Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.

Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.

The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.

Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.

How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure.

How Do Different Factors Impact Your Car Insurance Costs in Chino?

Allowed (with applicable limitations): Driving experience, marital status, zip code.

Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, insurance history.

Learn more abut the car insurance rating factors in Chino:

Cheap car insurance quotes in Chino after driving violations

Your

California driving history

impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:

Speeding

DUIs

At fault accident

Reckless driving

Driving on a suspended license

Cheapest car insurance in Chino after DUI

In Chino,

a DUI violation

can increase your insurance rate by as much as 22%. If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.

Jerry has helped many Chino drivers obtain affordable auto insurance rates after a DUI.

Progressive

Francisco (26 years old)

Coverage

State Minimum

Chino, CA (Zip Code: 91710)

Nissan Altima SR

$161

per month

Cheapest car insurance in Chino after an at-fault accident

One of the most important factors affecting car insurance rates is your car accident or claim history. For Chino drivers, car accidents could result in an average rate increase of 15%.

California is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Chino drivers save on car insurance after accidents.

Accident Type	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
At Fault With Injury	Progressive	$78	Lula, 30 Zip: 91710	Mazda 3 Sport	• State Minimum Liability
At Fault With No Injury	Safeco	$204	Lou, 41 Zip: 91710	Lexus RX 350 F-Sport	• State Minimum Liability • Comp / Collision
Not At Fault	Travelers	$137	Amelia, 32 Zip: 91710	Honda Civic Sport	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	Infinity	$162	Raymond, 41 Zip: 91710	Lexus RX 350 F-Sport	• State Minimum Liability • Comp / Collision

Last Updated Sep 23, 2023

Cheapest car insurance in Chino after other driving violations

In addition to speeding tickets and DUIs, other violations such as

reckless driving

and driving on a suspended license can also cause your in car insurance costs to increase in Chino.

We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Failure to Obey Signal	Progressive	$195	Roxie, 40 Zip: 91710	KIA K5 GT Line	• 100,000/300,000 Liability • Comp / Collision
Driving on Sus. License	Progressive	$161	Mayme, 26 Zip: 91710	Nissan Altima SR	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Safeco	$205	Callie, 40 Zip: 91710	KIA K5 GT Line	• 100,000/300,000 Liability • Comp / Collision

Last Updated Sep 23, 2023

Cheap car insurance quotes in Chino by age

Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.

Cheapest car insurance in Chino for young drivers

Teen drivers

aged 16 to 19 pay the highest insurance rates out of any age group in Chino. For teen car owners that drive a newer car, full coverage would afford better financial protection as teens are more likely to get into accidents—and staying on a parent’s policy is the best way to keep rates low.

Allstate

Dustin (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Chino, CA (Zip Code: 91710)

Toyota Camry LE

$263

per month

Infinity

Patrick (24 years old)

Coverage

State Minimum

Chino, CA (Zip Code: 91708)

Ford Mustang

$89

per month

Aspire Advantage

Melvin (23 years old)

Coverage

State Minimum

Chino, CA (Zip Code: 91710)

BMW 535 i

$218

per month

Cheap car insurance quotes in Chino based on insurance history

An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not.

Any lapse in your insurance coverage

usually leads to an increase in car insurance rates.

To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.

We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.

Progressive

Lula (30 years old)

Currently Insured

Coverage

State Minimum

Chino, CA (Zip Code: 91710)

Mazda 3 Sport

$78

per month

Allstate

Maria (32 years old)

Currently Insured

Coverage

25,000 per person

50,000 per accident bodily injury

Comp / Collision

Chino, CA (Zip Code: 91710)

Honda Civic EX

$126

per month

Safeco

Marvin (41 years old)

Currently Insured

Coverage

State Minimum

Chino, CA (Zip Code: 91710)

Lexus RX 350 F-Sport

$204

per month

Travelers

Esther (36 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Chino, CA (Zip Code: 91710)

Volkswagen Atlas SE

$156

per month

Bristol West

Richard (34 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Chino, CA (Zip Code: 91710)

Nissan Sentra S

$210

per month

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Great fil for this app and helping me save money!

Aaron

Fast and friendly service!

Carlisa

Good rates.

DIanna

The general is affordable and will work with you on your monthly payments

Curtis

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though

credit scores

don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.

Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
550 - 659	Progressive	$126	Luke, 54 Zip: 91710	Chevrolet Silverado C1500 RST	• State Minimum Liability • Comp / Collision

Last Updated Sep 21, 2023

Cheap car insurance quotes in Chino for popular cars

The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.

Popular car models in Chino include:

MORE:

How to get car insurance before buying a car

Cheapest car insurance in Chino for new vs. old car

A new car is typically more expensive to insure than an older car. We have found that the average insurance cost for a car older than 10 years is $148 per month in Chino. The average cost for insuring a car less than four years old goes up to $148 per month.

Progressive

Mary (30 years old)

2015 Mazda 3 Sport

Coverage

State Minimum

Chino, CA (Zip Code: 91710)

$78

per month

Allstate

Marc (32 years old)

2012 Honda Civic EX

Coverage

25,000 per person

50,000 per accident bodily injury

Comp / Collision

Chino, CA (Zip Code: 91710)

$126

per month

Travelers

Alex (36 years old)

2019 Volkswagen Atlas SE

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Chino, CA (Zip Code: 91710)

$156

per month

National General

Cordelia (29 years old)

2000 Toyota Corolla VE

Coverage

50,000 per person

100,000 per accident bodily injury

Chino, CA (Zip Code: 91708)

$103

per month

Infinity

Patrick (24 years old)

2019 Ford Mustang

Coverage

State Minimum

Chino, CA (Zip Code: 91708)

$89

per month

Clearcover

Brian (61 years old)

2019 Mazda CX-5 Touring

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Chino, CA (Zip Code: 91708)

$142

per month

How to lower car insurance costs in Chino

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!

Compare car insurance quotes now

2. Hunt for car insurance discounts

Every insurance company offers

a set of discounts

, but the exact discount offered varies by company. Some common discounts include:

Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.

Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!

Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

Bundling discounts.

Bundle your home and auto insurance

(or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

MORE:

How to choose a car insurance deductible

FAQ

How much is car insurance in Chino?

People living in Chino pay on average $73 per month – or $874 per year – on state-minimum liability coverage. Full coverage in Chino costs on average $148 per month of $1,770 per year.

With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Chino?

Based on thousands of Chino drivers Jerry has worked with, car insurance in Chino costs an average of $73 per month for state-minimum coverage and $148 per month for full coverage.

No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Chino?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.

Metlife

Encompass

, and Direct Auto

receive good ratings from Chino drivers, based on the largest car insurance survey in the nation conducted by Jerry.

Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

What is the minimum car insurance in Chino, California?

California's minimum insurance requirements—known as the 15/30/5 rule—mandate the following:

$15,000 in

bodily injury liability

per person

$30,000 for bodily injury liability per accident

$5,000 for

property damage liability

per accident

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.