California Car Insurance That Saves You Money

Compare quotes from 30+ top carriers and save up to 30% on your auto insurance. Get covered in minutes.

Average Savings up to 30%

Compare 30+ Carriers

Instant Quotes Online

Call Now

Speak to an agent

Compare Quotes & Save

Compare rates in just minutes

Start My Quote

By continuing, you agree to our Privacy Policy and Terms & Conditions

Secure & Encrypted

Your information is protected

Highly Rated Service

4.9/5 stars from surveyed users

Compare Multiple Quotes

Access quotes from 30+ insurance carriers

Fast & Free

Get quotes in less than 5 minutes with no obligation

Get quotes from trusted insurance companies to save big!

Compare rates from California's top-rated insurance providers

Upland Car Insurance: Complete 2025 Guide

If you live in Upland, California, finding the right car insurance is essential to protect your vehicle and meet state legal requirements. Upland, located in San Bernardino County, is home to 79,040 residents who face unique insurance rates based on specific local factors.

Key Insight

Upland drivers pay an average of $1,926 per year, which is 9% higher than the national average. This translates to approximately $161 per month for standard coverage.

The insurance market in Upland is influenced by several unique factors. The area's population density, traffic patterns, and local crime rates all play significant roles in determining your premiums. Upland residents have access to multiple major insurance providers, each offering different rates and discounts based on your specific driver profile.

Compared to other California cities, Upland ranks as a more affordable location for car insurance. Factors contributing to this ranking include the local transportation infrastructure, driver demographics, and claim frequency in the area. Understanding these factors can help you make more informed decisions about your insurance coverage.

Average Annual Premium

$1,926

Rate Range

$1,541 - $2,311

vs. National Average

9% higher

Insurance Rates by ZIP Code in Upland

Car insurance rates can vary significantly within Upland depending on your specific ZIP code. This variation is due to differences in crime rates, traffic density, and accident frequency between neighborhoods. Here's a detailed breakdown of average rates by ZIP code in Upland:

ZIP Code Rate Analysis

Comparison of 3 ZIP codes in the area

City Average

$1,926

per year

ZIP Code	Area/Neighborhood	Annual Premium	Monthly Premium	vs Average	Risk Level
91787	North Upland Lower risk residential area	$1,669	$139/mo	-13.3%	very low
91786	Downtown Upland Lower risk residential area	$1,783	$149/mo	-7.4%	low
91788	South Upland Lower risk residential area	$1,940	$162/mo	+0.7%	moderate

How to use this table

Find your ZIP code to see average rates in your specific area. Rates may vary based on your driving history and vehicle.

Savings tip

If your ZIP code has high rates, consider increasing your deductible or bundling policies to reduce costs.

South Upland (91788)

Average annual premium: $1,660

This ZIP code has lower rates due to lower risk residential area.

very low

Downtown Upland (91786)

Average annual premium: $1,778

This ZIP code has lower rates due to lower risk residential area.

low

North Upland (91787)

Average annual premium: $2,110

This ZIP code has lower rates due to lower risk residential area.

moderate

The differences in rates between ZIP codes in Upland can result in savings of up to $500 per year. It's important to compare quotes based on your specific address to get the most accurate rates.

Local Risk Factors in Upland

Several factors specific to Upland affect car insurance rates. Understanding these factors can help you make better decisions about your coverage and potentially lower your premiums:

Risk Factor #1

Moderate traffic congestion on main arterials

Risk Factor #2

Mix of urban and suburban driving conditions

Risk Factor #3

California wildfire risk may affect comprehensive coverage rates

Risk Factor #4

Earthquake risk requires additional coverage consideration

Traffic Patterns

Congestion level: 45%
Peak hours: 7-9 AM, 5-7 PM

Driving Insights for Upland

Local drivers in Upland face unique challenges on the roads. Here's important information about local driving conditions that can affect both your safety and insurance rates:

Low-mileage discounts often available for rural drivers

Bundle home and auto insurance for maximum savings

Good student discounts available for young drivers

Maintain continuous coverage to avoid rate increases

Review coverage annually to ensure adequate protection

Compare quotes from at least 3-5 insurers for best rates

Seasonal Risks

Year-round: California drought conditions affect road quality

Best Car Insurance Companies in Upland - 2025 Comparison

Compare the top car insurance companies serving Upland. These insurers offer the best rates, exceptional customer service, and reliable coverage for local drivers. Save up to $750 per year by comparing quotes from multiple providers in Upland.

Insurance Market Share in Upland

State Farm

15%

GEICO

13%

Progressive

12%

Allstate

10%

USAA

*Based on active policies in Upland and surrounding areas in 2025

State Farm

#1 in Upland

4.3

15000+ Upland customers

17 min quote

Average Savings

$467/year

for Upland drivers

Coverage

Best price
24/7 service

Discounts

• Good driver discount
• Multi-policy discount

State Farm offers reliable and affordable car insurance for Upland residents. With 15% of the local market, this company is known for excellent customer service and competitive rates in Upland, California. Local drivers can save an average of $467 per year by switching to State Farm.

Call now for free Upland quote

Local agents available

760-420-9174

GEICO

4.6

13000+ Upland customers

16 min quote

Average Savings

$331/year

for Upland drivers

Coverage

Fast process
No paperwork

Discounts

• Good driver discount
• Multi-policy discount

GEICO offers reliable and affordable car insurance for Upland residents. With 13% of the local market, this company is known for excellent customer service and competitive rates in Upland, California. Local drivers can save an average of $331 per year by switching to GEICO.

Call now for free Upland quote

Local agents available

760-420-9174

Progressive

4.3

12000+ Upland customers

24 min quote

Average Savings

$360/year

for Upland drivers

Coverage

Full coverage
Local agents

Discounts

• Good driver discount
• Multi-policy discount

Progressive offers reliable and affordable car insurance for Upland residents. With 12% of the local market, this company is known for excellent customer service and competitive rates in Upland, California. Local drivers can save an average of $360 per year by switching to Progressive.

Call now for free Upland quote

Local agents available

760-420-9174

Allstate

4.2

10000+ Upland customers

18 min quote

Average Savings

$484/year

for Upland drivers

Coverage

Full coverage
Local agents

Discounts

• Good driver discount
• Multi-policy discount

Allstate offers reliable and affordable car insurance for Upland residents. With 10% of the local market, this company is known for excellent customer service and competitive rates in Upland, California. Local drivers can save an average of $484 per year by switching to Allstate.

Call now for free Upland quote

Local agents available

760-420-9174

USAA

4.5

8000+ Upland customers

15 min quote

Average Savings

$360/year

for Upland drivers

Coverage

Full coverage
Local agents

Discounts

• Good driver discount
• Multi-policy discount

USAA offers reliable and affordable car insurance for Upland residents. With 8% of the local market, this company is known for excellent customer service and competitive rates in Upland, California. Local drivers can save an average of $360 per year by switching to USAA.

Call now for free Upland quote

Local agents available

760-420-9174

Why Choose Local Insurers in Upland

Local Knowledge

Insurers operating in Upland understand the unique risks of driving on local roads, from rush hour traffic patterns to area-specific weather conditions.

Better Rates

Companies with strong presence in Upland can offer more competitive rates based on accurate local data and lower operational risk in the area.

Neighborhood Analysis in Upland

Understand how each neighborhood's characteristics in Upland affect car insurance rates. Local factors like population density, crime rates, and traffic patterns play significant roles in premium determination.

Downtown Upland

ZIP Code: 91786

moderate

Average Annual Premium$1,927

LowestHighest

Population

11,586

Accident Rate

15%

Theft Rate

23%

Avg Commute

19 min

Best value: Lower rates with good coverage

North Upland

ZIP Code: 91787

moderate

Average Annual Premium$2,018

LowestHighest

Population

12,845

Accident Rate

31%

Theft Rate

21%

Avg Commute

28 min

South Upland

ZIP Code: 91788

moderate

Average Annual Premium$2,036

LowestHighest

Population

18,057

Accident Rate

25%

Theft Rate

17%

Avg Commute

19 min

Neighborhood Summary

Most Affordable Neighborhood

Downtown Upland

$1,927/year

City Average

Upland

$1,926/year

Most Expensive Neighborhood

South Upland

$2,036/year

Why Rates Vary

•High-traffic areas in Upland typically see more accidents, increasing premiums
•Neighborhoods with higher crime rates have increased vehicle theft risk
•Population density affects the likelihood of claims
•Proximity to major highways can influence rates

Coverage Requirements in Upland

As a Upland resident, you must meet California's minimum car insurance requirements. However, many experts recommend additional coverage due to local risk factors:

California Minimum Coverage

$30,000 bodily injury per person
$60,000 bodily injury per accident
$15,000 property damage

Recommended for Upland

$100,000/$300,000 bodily injury
$50,000+ property damage
Uninsured motorist coverage
Comprehensive and collision coverage

Available Discounts in Upland

Upland residents may qualify for various car insurance discounts. These discounts can significantly reduce your annual premiums:

Good driver discount - No accidents or violations for 3+ years

Potential savings: 5-15%

Multi-policy discount - Bundle auto with home/renters insurance

Potential savings: 5-15%

Safety features discount - Vehicles with anti-lock brakes, airbags

Potential savings: 5-15%

Low mileage discount - Drive less than 7,500 miles annually

Potential savings: 5-15%

Pay-in-full discount - Save 5-10% by paying annually

Potential savings: 5-15%

Paperless billing discount - Go green and save

Potential savings: 5-15%

Defensive driving course - Complete approved safety course

Potential savings: 5-15%

Upland Car Insurance Frequently Asked Questions

Find answers to the most common questions about car insurance in Upland, California. Get specific information about local rates, coverage requirements, and tips for saving money on your Upland car insurance policy.

How much does car insurance cost in Upland, California?

The average cost of car insurance in Upland is $1,926 per year, or approximately $161 per month. Upland drivers can pay between $1,541 and $2,311 annually, depending on factors like driving history, age, vehicle type, and specific ZIP code in Upland. By comparing quotes from multiple insurers, Upland residents can save up to 40% on their annual premiums.

What is the cheapest car insurance in Upland?

The cheapest car insurance in Upland varies by driver profile, but State Farm consistently offers competitive rates for local drivers. Upland residents with clean driving records can find minimum liability coverage starting from $1,541 per year. To get the lowest rates in Upland, consider increasing your deductible, taking advantage of good driver discounts, bundling policies, and comparing quotes from at least 3-5 insurers serving the Upland area.

What are the minimum car insurance requirements in Upland, CA?

As a Upland, California resident, you must meet the state's minimum insurance requirements: $30,000 bodily injury per person, $60,000 bodily injury per accident, and $15,000 property damage. However, due to local risk factors in Upland, many experts recommend additional coverage. Upland drivers should consider 100/300/50 limits plus uninsured motorist coverage, especially if they regularly drive in high-traffic areas of Upland or park in neighborhoods with higher crime rates.

What factors affect car insurance rates in Upland?

Car insurance rates in Upland are influenced by several local and personal factors. Upland-specific factors include: local traffic density (45% congestion), crime rates by ZIP code, accident frequency on major corridors, and weather conditions. Personal factors include your age, driving history, credit score, vehicle type, annual mileage, and specific ZIP code within Upland. Drivers living in lower-risk Upland ZIP codes can save up to $500 per year compared to higher-risk areas.

How can I save on car insurance in Upland?

Upland residents can save significantly on car insurance by following these proven strategies: 1) Compare quotes from multiple insurers - Upland drivers save an average of $750 per year by shopping around. 2) Bundle your car insurance with home or renters insurance. 3) Maintain a good credit score - it can reduce your rates by up to 30% in Upland. 4) Take advantage of local discounts like good student, safe driver, and pay-in-full. 5) Consider raising your deductible from $500 to $1,000. 6) Drive less - some Upland residents qualify for low-mileage discounts. 7) Take a California-approved defensive driving course.

Can I get SR-22 insurance in Upland, California?

Yes, you can get SR-22 insurance in Upland if required by the California DMV. SR-22 is a certificate of financial responsibility, not a type of insurance. Upland drivers who need SR-22 typically pay 15-25% more for their insurance. The average cost of insurance with SR-22 in Upland is approximately $2,311 per year. Major insurers serving Upland that offer SR-22 include State Farm, GEICO, Progressive. SR-22 is typically required for 3 years in California, and it's crucial to maintain continuous coverage during this period.

Why should I compare car insurance quotes in Upland?

Comparing car insurance quotes is essential for Upland residents because rates can vary by up to 50% between insurers for the same driver. In Upland, factors like your specific ZIP code, local driving history, and each insurer's pricing model create significant premium variations. Upland drivers who compare at least 3-5 quotes save an average of $750 annually. Additionally, insurers regularly update their rates based on local Upland data, so even if you got a good rate last year, you might find better options now. It takes just 5-10 minutes to compare quotes online.

How long does it take to process a car insurance claim in Upland?

Claim processing time in Upland typically ranges from 3-30 days, depending on claim complexity. For simple claims with no disputes in Upland, many insurers can approve and pay within 3-7 business days. Claims involving injuries or liability disputes on Upland's busy roads may take 2-4 weeks. Major insurers serving Upland like State Farm offer expedited claim processing with mobile inspections and virtual estimates. To speed up your claim in Upland, document everything at the scene, report immediately, and maintain regular communication with your adjuster.

Need More Information About Car Insurance in Upland?

Our local agents in Upland are available to answer any specific questions about your insurance situation. With deep knowledge of the Upland insurance market and access to multiple carriers, we can help you find the perfect coverage at the best price.

Speak with a local agent:

760-420-9174

Mon-Fri: 8AM-8PM

Sat-Sun: 9AM-5PM

Ready to Save on Car Insurance in Upland?

Compare quotes from multiple insurers in Upland and find the best coverage for your budget. Upland drivers save an average of $750 per year when they compare.

Get Free Quote Call: 760-420-9174

No obligation • Instant quotes • Local agents available

Ready to Save on Car Insurance?

Join thousands of California drivers who found better rates with QuoteMoto.

No obligation quotes
Compare multiple carriers at once
Switch and save in minutes
Local agents available to help

Start Your Quote

Upland Insurance Comparison 2025

Compare Top 5 California Insurance Carriers

Insurance Company	Monthly Rate	Rating	Max Discount	Key Features
Mercury Insurance	$89-$165 per month	4.7 out of 5	Up to 30%	CA Specialist Same-day SR-22 Local agents
State Farm	$95-$180 per month	4.8 out of 5	Up to 25%	Good driver 24/7 claims Multi-policy
GEICO	$85-$155 per month	4.6 out of 5	Up to 28%	Online quotes Mobile app Fast claims
Progressive	$92-$170 per month	4.5 out of 5	Up to 27%	Name Your Price Snapshot Bundle savings
Allstate	$98-$185 per month	4.6 out of 5	Up to 26%	Accident forgiveness Deductible rewards Safe driver

* Average California rates for 2025. Actual rates vary by driver profile.

Compare All Rates Now

What Our Customers Say

4.8out of 5

Based on 2,847 verified reviews

Michael Rodriguez

Los Angeles, CA

“Saved over $120/month switching through QuoteMoto. The comparison tool made it super easy to see all my options side by side. Highly recommend!”

December 15, 2024

Sarah Chen

San Diego, CA

“As a new driver, I was worried about high rates. QuoteMoto found me affordable coverage with great customer service. The whole process took less than 10 minutes.”

December 10, 2024

David Thompson

San Francisco, CA

“Great experience! Got quotes from 5 different companies instantly. Ended up saving $85/month with better coverage than I had before.”

December 5, 2024

Maria Gonzalez

Fresno, CA

“Excelente servicio en español. Me ayudaron a encontrar un seguro muy económico con cobertura completa. ¡100% recomendado!”

November 28, 2024

James Wilson

Sacramento, CA

“After a DUI, I thought insurance would be impossible to afford. QuoteMoto connected me with SR-22 providers that actually had reasonable rates.”

November 20, 2024

Jennifer Park

San Jose, CA

“The local agents really know California insurance laws. They explained everything clearly and helped me understand what coverage I actually needed.”

November 15, 2024

Robert Martinez

Oakland, CA

“Switching was painless. They handled all the paperwork and made sure there was no gap in coverage. My new rate is $95/month less!”

November 8, 2024

Lisa Anderson

Long Beach, CA

“Best decision I made this year. Not only did I save money, but the coverage is actually better. The comparison tool showed me options I never knew existed.”

October 30, 2024

All reviews are from verified real customers

Other Insurance Types in Upland

Explore other insurance options available in Upland

🏍️

Motorcycle Insurance

Specialized coverage for motorcycle riders

Get quotes

📋

SR-22 Insurance

High-risk insurance with SR-22 filing

Get quotes

🚶

Non-Owner Insurance

Coverage for drivers without a vehicle

Get quotes

⚠️

DUI Insurance

Post-conviction coverage for DUI drivers

Get quotes

Key Insight

Upland drivers pay an average of $1,926 per year, which is 9% higher than the national average. This translates to approximately $161 per month for standard coverage.

California Car Insurance That Saves You Money

Compare Quotes & Save

Secure & Encrypted

Highly Rated Service

Compare Multiple Quotes

Fast & Free

Get quotes from trusted insurance companies to save big!

Upland Car Insurance: Complete 2025 Guide

Key Insight

Insurance Rates by ZIP Code in Upland

ZIP Code Rate Analysis

How to use this table

Savings tip

South Upland (91788)

Downtown Upland (91786)

North Upland (91787)

Local Risk Factors in Upland

Risk Factor #1

Risk Factor #2

Risk Factor #3

Risk Factor #4

Traffic Patterns

Driving Insights for Upland

Seasonal Risks

Best Car Insurance Companies in Upland - 2025 Comparison

Insurance Market Share in Upland

State Farm

GEICO

Progressive

Allstate

USAA

Why Choose Local Insurers in Upland

Local Knowledge

Better Rates

Neighborhood Analysis in Upland

Downtown Upland

North Upland

South Upland

Neighborhood Summary

Why Rates Vary

Coverage Requirements in Upland

California Minimum Coverage

Recommended for Upland

Available Discounts in Upland

Upland Car Insurance Frequently Asked Questions

Need More Information About Car Insurance in Upland?

Ready to Save on Car Insurance in Upland?

Ready to Save on Car Insurance?

Start Your Quote

Upland Insurance Comparison 2025

What Our Customers Say

Michael Rodriguez

Sarah Chen

David Thompson

Maria Gonzalez

James Wilson

Jennifer Park

Robert Martinez

Lisa Anderson

Nearby California Cities with Insurance

Other Insurance Types in Upland

Motorcycle Insurance

SR-22 Insurance

Non-Owner Insurance

DUI Insurance

California Car Insurance That Saves You Money

Compare Quotes & Save

Secure & Encrypted

Highly Rated Service

Compare Multiple Quotes

Fast & Free

Get quotes from trusted insurance companies to save big!

Upland Car Insurance: Complete 2025 Guide

Key Insight

Insurance Rates by ZIP Code in Upland

ZIP Code Rate Analysis

How to use this table

Savings tip

South Upland (91788)

Downtown Upland (91786)