The average auto insurance cost in San Bernardino is $1,413 per year, $16 cheaper than the state average. Esurance, which has an average annual rate of $1,071, is the most affordable company in this city. But MoneyGeek also studied different rates based on coverage level and driving history. If you are focused on cost and quality, MoneyGeek recommends the best companies in San Bernardino.
Compare the Cheapest Car Insurance Quotes in San Bernardino, CA
The Cheapest and Best Car Insurance in San Bernardino
The Cheapest Car Insurance Companies in San Bernardino
The most affordable insurance providers in San Bernardino for a full coverage policy are:
- Esurance: $1,071 per year
- USAA: $1,125 per year (only available to current and former military members)
MoneyGeek’s study used average insurance rates in San Bernardino for a 40-year-old male driver with a full coverage policy that includes liability insurance as well as comprehensive and collision insurance.
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Average Cost of Car Insurance in San Bernardino
Every driver in California is required to carry auto insurance with at least the minimum required coverage. The average car insurance rate in San Bernardino is $1,413 per year, which is 1.1% less than the state average of $1,429 per year. It is also 0.8% cheaper than the national average, which is $1,424 annually.
The Best Car Insurance Companies in San Bernardino
MoneyGeek ranked auto insurance providers in San Bernardino to help drivers find a balance of affordability and quality service. Based on MoneyGeek’s rating system, the best options in the city for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in San Bernardino by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The final scores are based on various determining factors, including J.D. Power’s user satisfaction, affordability and financial stability ratings.
Personalized Quotes to Get You the Cheapest Car Insurance in San Bernardino
When calculating your quotes, insurers consider your age, driving record, gender, location, marital status and more. Comparing car insurance quotes in San Bernardino will help you get the most out of the premium you pay annually. In some cases, you may become eligible for discounts, rebates and other deductions over time, so check back frequently.
Shopping around for car insurance in San Bernardino could save you $342, which is enough to buy:
Cheapest Car Insurance in San Bernardino by Coverage Amount
How much coverage you purchase is one of the biggest factors affecting your auto insurance costs in San Bernardino and elsewhere. An auto insurance policy only meeting the state minimums in San Bernardino costs an average of $645, $768 less than the average rate of $1,413 for a full coverage policy.
California Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
In California, drivers are required to have at least 15/30/5 liability coverage to avoid penalties. This means that the car insurance provider will cover $15,000 per person and $30,000 per vehicle in bodily injury liability, along with property damage liability amounting to $5,000.
The insurance company will not pay more than the coverage amount you purchased, so you will have to shoulder any additional costs. Opting for additional coverage will cost more, but the added protection may be worth it to you.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in San Bernardino if You Have Driving Violations
Having a clean driving record will positively affect the premium you pay for car insurance. For example, in San Bernardino, Esurance charges an average of $1,071 annually if you don’t have any violations on record. However, if you have a DUI conviction, the premium rises to $2,668 — that’s $1,597 higher.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Location is one of the major factors that can affect how much you will pay annually for car insurance. While rates can vary considerably from ZIP code to ZIP code in many cities, that is not the case in San Bernardino. In this city, your costs do not change at all based on which neighborhood you live in.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in San Bernardino
Factors That Impact Insurance Costs in San Bernardino
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in San Bernardino. How San Bernardino ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for San Bernardino are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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