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Average Cost of Car Insurance in San Bernardino

San Bernardino$1,413
California$1,429
U.S.$1,424

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.

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The Best Cheap Car Insurance Companies in San Bernardino

There are plenty of auto insurance providers you can choose from in this city. Some car insurance companies in San Bernardino offer competitive rates that are considerably lower than the city average. For instance, Esurance has an average annual premium of $1,071, which is $342 less than the city average and 63.4% less on average than coverage from Allied, the most costly insurer in this city.

Progressive also offers relatively affordable insurance rates in San Bernardino at around $1,195 annually, while AAA and GEICO both have an average premium of $1,224 annually. Other car insurance providers with an average premium lower than the city average are Metlife, Mercury and Allstate.

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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.

Compare Car Insurance Rates in San Bernardino

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in San Bernardino by Coverage Amount

How much car insurance coverage you purchase in San Bernardino also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

California Minimum Liability Requirements

  • Item
    Description
  • 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 by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in San Bernardino if You Have Tickets

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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $1,361
    $1,682
    $2,668
  • 2. USAA
    $1,229
    $1,961
    $3,184
  • $1,759
    $2,317
    $2,199
  • $1,807
    $2,048
    $2,870
  • 5. AAA
    $1,620
    $1,851
    $3,794
  • $2,291
    $2,496
    $2,877
  • $2,254
    $2,817
    $2,817
  • $1,933
    $2,445
    $4,330
  • $2,569
    $2,852
    $3,575
  • $2,311
    $2,406
    $4,825
  • 11. Allied
    $2,454
    $2,821
    $4,241
  • $1,669
    $2,170
    $8,135
  • $2,479
    $3,488
    $5,803

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 Code
    State Minimumper year
  • 92407
    $1,413
  • 92404
    $1,413
iconribbontop ratedCar Insurance agentsSan Bernardino2021

Top Agents Offering Affordable Car Insurance in San Bernardino

1. Farmers Insurance - Susan Mesa1585 S D St, Ste 206, San Bernardino, CA, 92408
4 ratings
2. Alices Insurance Services1677 W Baseline St, San Bernardino, CA, 92411
3 ratings
3. Aims Auto Insurance25745 Baseline St, San Bernardino, CA, 92410
3 ratings
4. Freeway Insurance1995 Diners Ct, San Bernardino, CA, 92408
59 ratings
5. Checkers Insurance784 N Waterman Ave, San Bernardino, CA, 92410
10 ratings

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.

accident2 icon
Most Accidents With Fatalities32nd/300
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Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall245th/300
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Most Rainy Days253rd/300

Shopping around for car insurance in San Bernardino could save you $342, which is enough to buy:


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114Cups of Coffee
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26Months of Your Favorite Streaming Service

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.

Compare Car Insurance Rates in San Bernardino

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.