Car Insurance in Ontario, CA
Not every Ontario driver puts the same miles in. Maybe you work from home, or maybe the 10 is somewhere you rarely find yourself. Either way, you shouldn’t pay a flat rate for miles you never drove.
Lemonade Pay Per Mile makes sure you don’t.
How much does car insurance
cost in Ontario?
The average estimated cost of Lemonade car insurance in Ontario ranges from roughly $2,700 to $2,760 per year*. You’ll pay a different price each month; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
How can I get cheaper car insurance in Ontario?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Low mileage
The less you drive, the less you pay. Every month, no exceptions.
What is the minimum car insurance
required in Ontario?
Every Ontario driver needs to carry a minimum level of coverage to legally drive. Here’s exactly what California requires.
| Required minimum coverages for Tennessee drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $30,000(per person)/ $60,000 (per accident) |
| Property damage liability | $15,000 |
What additional car insurance coverages
does Lemonade offer in Ontario?
The state minimum covers the basics. These coverages help fill in the gaps.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash- like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured motorist property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreWhat’s the best car insurance in Ontario?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
What are Ontario drivers driving?
Next time you’re stuck on the 10 westbound through the Ontario Mills stretch, play along.
Here are the nine makes you’re most likely to spot on Ontario roads, according to our data.
Beyond Ontario: car insurance across California
Ontario car insurance FAQs
What happens if you drive without insurance in Ontario, CA?
California law requires all drivers to carry at least the state minimum liability coverage, and getting caught without it in Ontario can mean fines, a suspended license, and even vehicle impoundment. If you cause an accident while uninsured, you could be personally responsible for the other driver’s medical bills and repair costs. It’s a risk that’s rarely worth it.
How does Ontario's weather affect your car insurance?
Ontario sits in the Inland Empire, where summer heat can push past 100°F and wildfire smoke from nearby mountain areas is a real seasonal concern. Comprehensive coverage can help protect your car from fire and smoke damage, as well as heavy rain and flash flooding that occasionally roll through the region. If you’re only carrying the state minimum, those weather-related risks fall entirely on you.
Is car insurance more expensive for younger drivers in Ontario, CA?
Younger drivers do tend to pay more for car insurance, but safe driving habits can help bring that cost down more than many people expect. With pay-per-mile insurance, low-mileage young drivers often end up paying less than a traditional policy would charge them based on age alone. If you’re a student or occasional driver, it’s worth seeing what your actual costs could look like.
What coverage options go beyond California's state minimum?
California’s minimum only covers damage or injuries you cause to others, so it won’t help with repairs to your own car or medical costs for you and your passengers. Adding collision, comprehensive, and medical payments coverage fills in those gaps and gives you a much fuller safety net. For Ontario drivers dealing with busy corridors like the 60 and 15 freeways, that extra protection can make a real difference.
What should you do after a car accident in Ontario, CA?
First, make sure everyone is safe and call 911 if there are any injuries, since California law requires you to report accidents involving injury or significant property damage. Exchange insurance and contact information with the other driver, and document the scene with photos before anything is moved. Then report the accident to your insurance company as soon as possible so the claims process can get started.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average car premiums from Oct 2025 through September 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances. Vehicle make rankings reflect active Lemonade Car policyholders in California as of September 2026, based on Lemonade’s internal data. All figures are based on Lemonade’s internal claims data, intended for illustrative purposes only, and may not be representative of all California drivers or the broader insurance market.
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