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
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
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.
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
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.
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
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
- 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
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.
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
The Best Car Insurance Companies in San Bernardino
MoneyGeek identified insurers offering the best balance of quality service and cost to help you find the best insurers in San Bernardino. For most drivers in San Bernardino, the best car insurance companies are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA scored the highest on MoneyGeek's rating system, but it is not available to people who do not have a military background. For those that do, it may be the best overall.
The final scores are based on various determining factors, including J.D. Power’s user satisfaction, affordability and financial stability ratings
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
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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