Compare the Cheapest Car Insurance Quotes in San Bernardino, CA

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 Auto Insurance Rates

Insurance Rates

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

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 7/31/2022
Written By     |  

On average, in San Bernardino, Esurance is the cheapest for a full coverage policy and with a speeding ticket. Your profile and coverage needs determine your best deal. For minimum coverage, GEICO is the cheapest. USAA has low rates for the military and veterans. MoneyGeek found that AAA offers the best balance of quality service and affordability in San Bernardino.

iconribbonbestauto insuranceSan Bernardino2022

The Cheapest and Best Car Insurance in San Bernardino

The Cheapest Car Insurance Companies in San Bernardino

The cheapest companies in San Bernadino for a full coverage auto policy are:

  • Esurance: $1,071 average per year
  • Progressive: $1,195 average per year

For those in the military and their families, USAA, at roughly $1,125 per year, is a low-priced option for a full coverage policy in San Bernardino.

Compared to the cheapest option, Esurance, Allied can cost $679 more a year; Allied is the most expensive insurer for a full coverage policy in San Bernardino.

Full coverage includes comprehensive and collision insurance, but rates can vary depending on the liability coverage purchased.

Cheapest Car Insurance in San Bernardino
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,071
  • 2.
    USAA
    $1,125
  • 3.
    Progressive
    $1,195
  • 4.
    GEICO
    $1,224
  • 5.
    AAA
    $1,224
  • 6.
    MetLife
    $1,289
  • 7.
    Mercury
    $1,341
  • 8.
    Allstate
    $1,366
  • 9.
    Hartford
    $1,567
  • 10.
    State Farm
    $1,571
  • 11.
    Farmers
    $1,642
  • 12.
    Travelers
    $1,719
  • 13.
    Allied
    $1,750

MoneyGeek collected quotes for a 40-year-old male driver in San Bernardino with a full coverage policy, as our methodology explains.

If you want more protection in an accident, a full coverage policy is better than a minimum liability policy. The added coverages in a full coverage policy are:

  • Comprehensive insurance: covers non-collision damage to your car like theft and vandalism.
  • Collision insurance: covers damage arising from a collision with another car or stationary object.

Full coverage costs more than minimum liability. If the value of your car is lower than the cost of a full coverage policy, a minimum liability policy may be a better option.

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.

widget-location-pin
Insurance Rates

Cheapest Car Insurance in San Bernardino for Minimum Coverage

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.

Cheapest Minimum Liability Car Insurance in San Bernardino
State Minimum

A state minimum coverage policy is the cheapest car insurance you can purchase in San Bernardino, but it offers the least protection. The California minimum requirements are 15/30/5 plus uninsured motorist coverage. The rate may be low, but if you cause an accident, your out-of-pocket costs can be quite high.

For instance, the bodily injury limit is $15,000, so if you cause an accident and the medical expenses surpass it, you pay the additional costs.

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.

Cheapest Car Insurance in San Bernardino if You Have Driving Violations

Driving violations, such as DUIs, at-fault accidents, and tickets, increase car insurance premiums significantly in San Bernardino.

If you have a violation, the cheapest insurers in San Bernardino are:

  • Cheapest after a ticket: Esurance, $1,361 average annually
  • Cheapest after an at-fault accident: Esurance, $1,682 average annually
  • Cheapest after a DUI: Mercury, $2,199 average annually

If you have a military background and a speeding ticket, USAA, at around $1,229 yearly, is a good option.

Improving your driving record over time can help to reduce the cost of your car insurance premiums. Right now, you can shop around and compare rates after a traffic violation.

Cheapest Car Insurance in San Bernardino With a Violation
Speeding Ticket

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.

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.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in San Bernardino

MoneyGeek analyzed the best car insurance companies in San Bernardino. Based on their average pricing, claims ratings and customer satisfaction scores, the top car insurance companies in the city are:

  • Esurance: 90.80 out of 100
  • AAA: 88.40 out of 100

MoneyGeek excluded USAA from the analysis because it solely serves military personnel and their families. With a MoneyGeek score of 93.60 out of 100, USAA is the best auto insurance company in San Bernardino for eligible military members.


1
Esurance
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

Esurance scored highly for financial stability and affordability, making it one of the best insurance companies in San Bernardino. For a 40-year-old driver, a full coverage policy costs an average of $1,071 per year. Policyholders can get custom parts coverage as a unique add-on.

More About Esurance

Esurance provides multiple coverages to its policyholders. Custom parts coverage is unique as it protects your car's aftermarket modifications. If you choose customized parts and equipment coverage, you will be covered if something goes very wrong with your changes. Esurance's roadside assistance, rental car and/or travel reimbursement, gap insurance and ridesharing insurance are all common among car insurers in San Bernardino. For example, the towing and labor coverage under roadside assistance covers up to $75 per incident and can be utilized three to six times each six months.

Read MoneyGeek's Esurance auto Insurance Review
2
AAA
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

AAA has a faultless claims rating – one of the reasons why 40-year-old drivers in San Bernardino consider it one of the best. A full coverage policy costs $1,224 per year on average. AAA also offers identity theft coverage as a unique add-on.

More About AAA

Policyholders in San Bernadino can benefit from the unique identity theft monitoring coverage that AAA provides. AAA has other common add-on coverages, including rental car and/or trip reimbursement and roadside assistance. The former covers the cost of a rental car or public transportation if your car is not drivable. The latter includes gas delivery, flat tires, battery jump-start and replacement, vehicle lockout service and trip continuation coverage.

Read MoneyGeek's AAA auto Insurance Review

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

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
handcuffs2 icon
Most Car Thefts286th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall245th/300
umbrella icon
Most Rainy Days253rd/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.