Compare Rates and Save on Auto Insurance

widget-location-pin

The cost of car insurance depends on an individual's driving profile and requirements. For example, we recommend National General to drivers with DUIs and speeding tickets. AAA California and Capital Insurance Group may be better for those with at-fault accidents. Young drivers, meanwhile, can find the lowest rates at Farmers. The military community may find USAA an ideal and cost-effective option. If you’re more particular about the quality of service, regardless of price, Chubb is the best bet.

MoneyGeek Logo IconCheapest + BestCar InsuranceSan Bernardino
2023

Cheapest and Best Car Insurance in San Bernardino, CA

Cheapest Minimum Liability Car Insurance in San Bernardino

The cheapest car insurance companies for a minimum coverage policy in San Bernardino are:

  • GEICO: $394 per year
  • Mercury: $452 per year

Chubb offers the most expensive rate for a minimum coverage car insurance policy, at $777 per year.

Company
Annual Premium
Monthly Premium

GEICO

$389

$32

GEICO

$394

$33

State Farm

$450

$37

Mercury

$452

$38

GEICO

$464

$39

Mercury

$465

$39

AAA California

$472

$39

Progressive

$478

$40

Progressive

$488

$41

AAA California

$492

$41

Travelers

$528

$44

Travelers

$528

$44

Kemper

$541

$45

Nationwide

$563

$47

Progressive

$570

$47

Mercury

$570

$48

Nationwide

$584

$49

State Farm

$594

$50

Travelers

$601

$50

Hartford

$601

$50

AAA California

$602

$50

Kemper

$623

$52

Allstate

$644

$54

State National

$644

$54

Allstate

$651

$54

Farmers

$659

$55

Capital Insurance Group

$661

$55

State National

$664

$55

Farmers

$677

$56

State Farm

$678

$57

Capital Insurance Group

$684

$57

National General

$687

$57

Hartford

$694

$58

Allstate

$699

$58

National General

$708

$59

Nationwide

$734

$61

Capital Insurance Group

$766

$64

Farmers

$769

$64

Chubb

$777

$65

State National

$781

$65

Chubb

$801

$67

Kemper

$828

$69

National General

$849

$71

Hartford

$920

$77

GEICO

$1,057

$88

State Farm

$1,075

$90

GEICO

$1,095

$91

AAA California

$1,103

$92

Progressive

$1,108

$92

Chubb

$1,114

$93

Progressive

$1,114

$93

Mercury

$1,117

$93

AAA California

$1,124

$94

Mercury

$1,140

$95

National General

$1,185

$99

Allstate

$1,197

$100

National General

$1,202

$100

GEICO

$1,262

$105

Allstate

$1,267

$106

Nationwide

$1,271

$106

Progressive

$1,338

$111

Hartford

$1,360

$113

Capital Insurance Group

$1,363

$114

Nationwide

$1,378

$115

State Farm

$1,379

$115

Allstate

$1,403

$117

State National

$1,404

$117

National General

$1,439

$120

Capital Insurance Group

$1,443

$120

AAA California

$1,476

$123

Mercury

$1,483

$124

Kemper

$1,495

$125

State National

$1,509

$126

Travelers

$1,515

$126

Hartford

$1,571

$131

Travelers

$1,592

$133

State Farm

$1,612

$134

Capital Insurance Group

$1,625

$135

Farmers

$1,634

$136

Farmers

$1,670

$139

Nationwide

$1,788

$149

Chubb

$1,830

$152

Kemper

$1,839

$153

State National

$1,850

$154

Chubb

$1,889

$157

Travelers

$1,904

$159

Farmers

$1,976

$165

Hartford

$2,064

$172

Kemper

$2,236

$186

Chubb

$2,690

$224

California law states that all car insurance providers must offer the following for a minimum coverage policy:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

If you have a minimum coverage policy, your California-based insurer will cover a total of $30,000 worth of bodily injuries with an allotted amount of $15,000 per person involved. For property damage, it will only cover a total of $5,000.

Cheapest Full Coverage Car Insurance in San Bernardino

San Bernardino's least expensive full-coverage auto insurers are:

  • GEICO: $1,095 per year
  • Progressive: $1,108 per year

Chubb offers the most expensive alternative at $1,830 per year — about $800 more than the least expensive plan.

Company
Annual Premium
Monthly Premium

GEICO

$389

$32

GEICO

$394

$33

State Farm

$450

$37

Mercury

$452

$38

GEICO

$464

$39

Mercury

$465

$39

AAA California

$472

$39

Progressive

$478

$40

Progressive

$488

$41

AAA California

$492

$41

Travelers

$528

$44

Travelers

$528

$44

Kemper

$541

$45

Nationwide

$563

$47

Progressive

$570

$47

Mercury

$570

$48

Nationwide

$584

$49

State Farm

$594

$50

Travelers

$601

$50

Hartford

$601

$50

AAA California

$602

$50

Kemper

$623

$52

Allstate

$644

$54

State National

$644

$54

Allstate

$651

$54

Farmers

$659

$55

Capital Insurance Group

$661

$55

State National

$664

$55

Farmers

$677

$56

State Farm

$678

$57

Capital Insurance Group

$684

$57

National General

$687

$57

Hartford

$694

$58

Allstate

$699

$58

National General

$708

$59

Nationwide

$734

$61

Capital Insurance Group

$766

$64

Farmers

$769

$64

Chubb

$777

$65

State National

$781

$65

Chubb

$801

$67

Kemper

$828

$69

National General

$849

$71

Hartford

$920

$77

GEICO

$1,057

$88

State Farm

$1,075

$90

GEICO

$1,095

$91

AAA California

$1,103

$92

Progressive

$1,108

$92

Chubb

$1,114

$93

Progressive

$1,114

$93

Mercury

$1,117

$93

AAA California

$1,124

$94

Mercury

$1,140

$95

National General

$1,185

$99

Allstate

$1,197

$100

National General

$1,202

$100

GEICO

$1,262

$105

Allstate

$1,267

$106

Nationwide

$1,271

$106

Progressive

$1,338

$111

Hartford

$1,360

$113

Capital Insurance Group

$1,363

$114

Nationwide

$1,378

$115

State Farm

$1,379

$115

Allstate

$1,403

$117

State National

$1,404

$117

National General

$1,439

$120

Capital Insurance Group

$1,443

$120

AAA California

$1,476

$123

Mercury

$1,483

$124

Kemper

$1,495

$125

State National

$1,509

$126

Travelers

$1,515

$126

Hartford

$1,571

$131

Travelers

$1,592

$133

State Farm

$1,612

$134

Capital Insurance Group

$1,625

$135

Farmers

$1,634

$136

Farmers

$1,670

$139

Nationwide

$1,788

$149

Chubb

$1,830

$152

Kemper

$1,839

$153

State National

$1,850

$154

Chubb

$1,889

$157

Travelers

$1,904

$159

Farmers

$1,976

$165

Hartford

$2,064

$172

Kemper

$2,236

$186

Chubb

$2,690

$224

When you choose full coverage, you add collision and comprehensive insurance to minimum coverage:

  • Collision Insurance: If your car is damaged in an accident for which you are at fault, collision insurance will cover the cost of repairing or replacing your car.
  • Comprehensive Insurance: If your automobile is damaged or destroyed for reasons other than an accident, comprehensive insurance helps cover the costs of fixing or replacing it. Non-collision damage examples include theft, vandalism, extreme weather and animal damage.

Full coverage insurance may not be the best choice if you have an older car. You can end up spending more on insurance than your car is worth.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find a match

    Get matched with an insurer in San Bernardino.

  • financialPlanning icon

    Save

    Save hundreds of dollars per year.

Cheapest Car Insurance in San Bernardino After a Driving Offense

The following companies offer the most cost-effective auto insurance options for drivers with moving offenses in San Bernardino:

  • Speeding ticket: National General ($1,244 per year)
  • At-fault accident: AAA California and Capital Insurance Group ($1,693 per year)
  • DUI: National General ($1,244 per year)

Travelers charges the most after a speeding ticket, about $2,412, while Kemper costs around $3,278 after you're involved in an accident. The Hartford offers the highest rate after a DUI at $5,774. Even with the cheapest firm, premiums for drivers with poor driving histories are usually more expensive than those for drivers with clean records.

Company
Annual Premium
Monthly Premium

Mercury

$581

$48

GEICO

$594

$49

Mercury

$599

$50

GEICO

$601

$50

AAA California

$628

$52

AAA California

$655

$55

State Farm

$683

$57

GEICO

$698

$58

GEICO

$705

$59

GEICO

$708

$59

State Farm

$714

$59

Kemper

$718

$60

National General

$726

$60

National General

$726

$60

Mercury

$729

$61

Capital Insurance Group

$733

$61

Mercury

$737

$61

National General

$748

$62

Mercury

$748

$62

National General

$748

$62

AAA California

$750

$62

Capital Insurance Group

$760

$63

Capital Insurance Group

$764

$64

AAA California

$783

$65

Capital Insurance Group

$793

$66

AAA California

$805

$67

Mercury

$810

$68

Travelers

$811

$68

Travelers

$812

$68

Kemper

$828

$69

GEICO

$830

$69

Mercury

$832

$69

Capital Insurance Group

$853

$71

Progressive

$861

$72

Nationwide

$869

$72

Hartford

$871

$73

Hartford

$871

$73

Progressive

$881

$73

Capital Insurance Group

$890

$74

Allstate

$897

$75

National General

$898

$75

National General

$898

$75

Farmers

$898

$75

Farmers

$898

$75

Travelers

$902

$75

Nationwide

$903

$75

State Farm

$903

$75

Travelers

$906

$75

Allstate

$909

$76

State National

$914

$76

State National

$914

$76

Mercury

$922

$77

Farmers

$923

$77

Farmers

$923

$77

Travelers

$931

$78

State National

$941

$78

State National

$941

$78

State Farm

$942

$79

GEICO

$946

$79

Progressive

$952

$79

GEICO

$957

$80

AAA California

$962

$80

Nationwide

$968

$81

Progressive

$976

$81

Allstate

$980

$82

Chubb

$1,000

$83

Nationwide

$1,006

$84

Hartford

$1,019

$85

Hartford

$1,019

$85

Chubb

$1,024

$85

Mercury

$1,027

$86

State Farm

$1,032

$86

Allstate

$1,033

$86

National General

$1,034

$86

Progressive

$1,039

$87

Travelers

$1,039

$87

Allstate

$1,047

$87

Progressive

$1,047

$87

Farmers

$1,049

$87

Farmers

$1,049

$87

National General

$1,067

$89

State Farm

$1,077

$90

Progressive

$1,078

$90

Travelers

$1,087

$91

Travelers

$1,087

$91

Kemper

$1,103

$92

State National

$1,112

$93

State National

$1,112

$93

Farmers

$1,123

$94

GEICO

$1,129

$94

Allstate

$1,132

$94

Nationwide

$1,138

$95

Capital Insurance Group

$1,149

$96

Progressive

$1,151

$96

Farmers

$1,153

$96

Capital Insurance Group

$1,191

$99

Chubb

$1,215

$101

Kemper

$1,219

$102

Kemper

$1,219

$102

Chubb

$1,239

$103

National General

$1,244

$104

National General

$1,244

$104

Travelers

$1,256

$105

National General

$1,262

$105

National General

$1,262

$105

Nationwide

$1,269

$106

Progressive

$1,271

$106

National General

$1,283

$107

Farmers

$1,311

$109

Chubb

$1,337

$111

Capital Insurance Group

$1,341

$112

Hartford

$1,382

$115

Hartford

$1,382

$115

State Farm

$1,407

$117

AAA California

$1,425

$119

AAA California

$1,452

$121

Mercury

$1,472

$123

Kemper

$1,479

$123

Kemper

$1,479

$123

Mercury

$1,506

$126

National General

$1,512

$126

National General

$1,512

$126

Nationwide

$1,537

$128

Chubb

$1,552

$129

Capital Insurance Group

$1,559

$130

Chubb

$1,573

$131

GEICO

$1,583

$132

Capital Insurance Group

$1,596

$133

State Farm

$1,596

$133

Nationwide

$1,598

$133

Chubb

$1,598

$133

AAA California

$1,621

$135

GEICO

$1,639

$137

State National

$1,654

$138

Capital Insurance Group

$1,655

$138

State Farm

$1,672

$139

AAA California

$1,677

$140

AAA California

$1,693

$141

Capital Insurance Group

$1,693

$141

AAA California

$1,695

$141

State National

$1,706

$142

Allstate

$1,742

$145

National General

$1,759

$147

GEICO

$1,767

$147

National General

$1,785

$149

GEICO

$1,824

$152

Mercury

$1,839

$153

Allstate

$1,847

$154

Allstate

$1,857

$155

State Farm

$1,859

$155

Capital Insurance Group

$1,867

$156

Kemper

$1,874

$156

Kemper

$1,874

$156

Mercury

$1,882

$157

Allstate

$1,884

$157

GEICO

$1,891

$158

Capital Insurance Group

$1,909

$159

Chubb

$1,910

$159

AAA California

$1,912

$159

Mercury

$1,964

$164

Nationwide

$1,968

$164

Mercury

$1,970

$164

Kemper

$1,985

$165

State National

$1,998

$166

State National

$1,998

$166

Mercury

$2,008

$167

Nationwide

$2,023

$169

State National

$2,026

$169

Hartford

$2,030

$169

Hartford

$2,030

$169

Allstate

$2,043

$170

State Farm

$2,050

$171

Allstate

$2,054

$171

AAA California

$2,092

$174

Progressive

$2,095

$175

Hartford

$2,107

$176

GEICO

$2,108

$176

Progressive

$2,108

$176

State Farm

$2,123

$177

Nationwide

$2,137

$178

National General

$2,140

$178

State Farm

$2,145

$179

State National

$2,147

$179

State National

$2,147

$179

Allstate

$2,169

$181

Nationwide

$2,192

$183

AAA California

$2,235

$186

Farmers

$2,256

$188

Farmers

$2,256

$188

Progressive

$2,286

$191

Travelers

$2,300

$192

Progressive

$2,306

$192

Farmers

$2,307

$192

Farmers

$2,307

$192

Allstate

$2,311

$193

Hartford

$2,359

$197

Hartford

$2,359

$197

Nationwide

$2,382

$198

State Farm

$2,392

$199

Chubb

$2,401

$200

Travelers

$2,412

$201

Capital Insurance Group

$2,440

$203

Kemper

$2,443

$204

Mercury

$2,456

$205

Chubb

$2,459

$205

State Farm

$2,505

$209

Hartford

$2,509

$209

GEICO

$2,520

$210

Progressive

$2,542

$212

Travelers

$2,564

$214

Allstate

$2,579

$215

Capital Insurance Group

$2,589

$216

GEICO

$2,607

$217

Progressive

$2,618

$218

Mercury

$2,618

$218

State National

$2,636

$220

State National

$2,636

$220

Progressive

$2,643

$220

Travelers

$2,682

$224

Farmers

$2,731

$228

Farmers

$2,731

$228

Progressive

$2,779

$232

Nationwide

$2,782

$232

Farmers

$2,820

$235

Farmers

$2,883

$240

Travelers

$2,908

$242

Capital Insurance Group

$2,923

$244

Chubb

$2,947

$246

Kemper

$2,973

$248

Chubb

$3,007

$251

GEICO

$3,011

$251

Nationwide

$3,107

$259

Hartford

$3,128

$261

Hartford

$3,128

$261

Progressive

$3,186

$266

Travelers

$3,216

$268

Travelers

$3,239

$270

Chubb

$3,262

$272

Kemper

$3,278

$273

Kemper

$3,278

$273

State Farm

$3,302

$275

Travelers

$3,380

$282

Farmers

$3,412

$284

AAA California

$3,419

$285

AAA California

$3,467

$289

Nationwide

$3,487

$291

Hartford

$3,499

$292

State National

$3,725

$310

Nationwide

$3,794

$316

Allstate

$3,813

$318

Chubb

$3,814

$318

Chubb

$3,865

$322

Chubb

$3,923

$327

State National

$4,009

$334

Allstate

$4,058

$338

Travelers

$4,105

$342

Kemper

$4,148

$346

Kemper

$4,148

$346

State Farm

$4,240

$353

Allstate

$4,529

$377

AAA California

$4,574

$381

Chubb

$4,730

$394

Kemper

$4,920

$410

Kemper

$4,920

$410

Hartford

$4,923

$410

State National

$4,939

$412

State Farm

$4,948

$412

Nationwide

$4,965

$414

Hartford

$5,774

$481

Hartford

$7,790

$649

Auto insurance premiums typically increase according to the severity of a driver's infraction. In San Bernardino, however, there is little difference in cost between having a speeding ticket or a DUI violation when shopping for the lowest-priced auto insurance for a bad driving record. Other insurance companies might view speeding as considerably less severe than DUI, so it’s best to review your policy.

Cheapest Car Insurance in San Bernardino for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in San Bernardino are:

  • Farmers: $3,079 per year
  • GEICO: $3,167 per year for female teens; State Farm: $3,171 per year for male teens

The most expensive insurance company for male and female teenagers is Nationwide, with annual premiums of $5,147. Teenage female drivers tend to have lower insurance premiums than teenage male drivers because insurance companies see them as a lower risk. This price gap, however, often narrows by the time people are in their early twenties.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,400

$2,246

GEICO

$1,433

$2,299

GEICO

$1,435

$2,532

GEICO

$1,451

$2,416

GEICO

$1,468

$2,355

GEICO

$1,475

$2,603

GEICO

$1,496

$2,750

GEICO

$1,515

$2,674

GEICO

$1,662

$2,480

GEICO

$1,716

$2,833

Progressive

$1,733

$2,780

Progressive

$1,733

$2,780

Nationwide

$1,789

$3,709

Nationwide

$1,789

$3,709

Capital Insurance Group

$1,831

$2,347

Capital Insurance Group

$1,831

$2,347

Allstate

$1,853

$3,020

Allstate

$1,853

$3,020

Progressive

$1,876

$3,010

Progressive

$1,876

$3,010

Allstate

$1,940

$3,162

Allstate

$1,940

$3,162

Kemper

$1,954

$3,917

Kemper

$1,954

$3,917

Nationwide

$1,962

$4,067

Nationwide

$1,962

$4,067

Allstate

$1,990

$3,512

Allstate

$1,990

$3,512

Progressive

$2,007

$3,719

Progressive

$2,007

$3,719

Allstate

$2,010

$3,275

Allstate

$2,010

$3,275

Nationwide

$2,024

$4,651

Nationwide

$2,024

$4,651

Kemper

$2,064

$4,137

Kemper

$2,064

$4,137

Capital Insurance Group

$2,085

$2,780

Capital Insurance Group

$2,085

$2,780

Progressive

$2,101

$3,372

Progressive

$2,101

$3,372

Nationwide

$2,102

$4,359

Nationwide

$2,102

$4,359

Farmers

$2,108

$3,012

Farmers

$2,108

$3,012

Allstate

$2,133

$3,528

Allstate

$2,133

$3,528

GEICO

$2,139

$3,606

Capital Insurance Group

$2,169

$2,780

Capital Insurance Group

$2,169

$2,780

Capital Insurance Group

$2,169

$2,780

Capital Insurance Group

$2,169

$2,780

Kemper

$2,172

$4,864

Kemper

$2,172

$4,864

State Farm

$2,189

$3,212

State Farm

$2,189

$3,212

GEICO

$2,223

$4,159

Kemper

$2,245

$4,499

Kemper

$2,245

$4,499

State Farm

$2,277

$3,341

State Farm

$2,277

$3,341

Travelers

$2,308

$3,153

Travelers

$2,308

$3,153

State Farm

$2,317

$3,625

State Farm

$2,317

$3,625

State Farm

$2,330

$3,418

State Farm

$2,330

$3,418

GEICO

$2,339

$3,492

Farmers

$2,361

$3,493

Farmers

$2,361

$3,493

Nationwide

$2,369

$5,099

Nationwide

$2,369

$5,099

Travelers

$2,390

$3,264

Travelers

$2,390

$3,264

Capital Insurance Group

$2,421

$3,127

Capital Insurance Group

$2,421

$3,127

GEICO

$2,432

$4,014

Travelers

$2,438

$3,503

Travelers

$2,438

$3,503

Farmers

$2,445

$3,493

Farmers

$2,445

$3,493

Farmers

$2,445

$3,493

Farmers

$2,445

$3,493

Allstate

$2,446

$4,497

Allstate

$2,446

$4,497

State Farm

$2,483

$3,695

State Farm

$2,483

$3,695

Allstate

$2,486

$4,113

Allstate

$2,486

$4,113

Progressive

$2,489

$4,079

Progressive

$2,489

$4,079

Travelers

$2,490

$3,401

Travelers

$2,490

$3,401

Capital Insurance Group

$2,510

$3,127

Capital Insurance Group

$2,510

$3,127

Kemper

$2,516

$5,157

Kemper

$2,516

$5,157

State Farm

$2,636

$4,115

State Farm

$2,636

$4,115

Farmers

$2,641

$4,006

Farmers

$2,641

$4,006

State Farm

$2,660

$3,959

State Farm

$2,660

$3,959

Capital Insurance Group

$2,688

$3,472

Capital Insurance Group

$2,688

$3,472

Travelers

$2,720

$3,676

Travelers

$2,720

$3,676

Kemper

$2,725

$5,586

Kemper

$2,725

$5,586

Kemper

$2,749

$6,159

Kemper

$2,749

$6,159

Farmers

$2,854

$4,613

Farmers

$2,854

$4,613

Farmers

$2,881

$4,370

Farmers

$2,881

$4,370

Nationwide

$2,920

$7,049

Nationwide

$2,920

$7,049

State Farm

$2,929

$5,218

State Farm

$2,929

$5,218

Travelers

$2,952

$4,242

Travelers

$2,952

$4,242

GEICO

$2,954

$5,215

Travelers

$2,997

$4,051

Travelers

$2,997

$4,051

Farmers

$3,005

$5,944

Farmers

$3,005

$5,944

Farmers

$3,079

$6,217

Farmers

$3,079

$6,217

Farmers

$3,089

$6,109

Farmers

$3,089

$6,109

GEICO

$3,097

$6,061

Progressive

$3,103

$5,773

Progressive

$3,103

$5,773

State Farm

$3,105

$5,532

State Farm

$3,105

$5,532

Nationwide

$3,114

$6,702

Nationwide

$3,114

$6,702

GEICO

$3,167

$5,822

State Farm

$3,171

$6,199

State Farm

$3,171

$6,199

GEICO

$3,249

$5,734

Allstate

$3,263

$6,467

Allstate

$3,263

$6,467

Progressive

$3,298

$5,405

Progressive

$3,298

$5,405

GEICO

$3,339

$6,851

Allstate

$3,379

$6,812

Allstate

$3,379

$6,812

GEICO

$3,420

$6,692

Allstate

$3,438

$6,812

Allstate

$3,438

$6,812

Capital Insurance Group

$3,450

$4,296

Capital Insurance Group

$3,450

$4,296

Capital Insurance Group

$3,450

$4,296

Capital Insurance Group

$3,450

$4,296

Capital Insurance Group

$3,450

$4,296

Capital Insurance Group

$3,450

$4,296

Progressive

$3,581

$7,339

Progressive

$3,581

$7,339

Progressive

$3,604

$7,404

Progressive

$3,604

$7,404

Progressive

$3,618

$7,415

Progressive

$3,618

$7,415

Travelers

$3,945

$5,348

Travelers

$3,945

$5,348

Travelers

$4,121

$5,587

Travelers

$4,121

$5,587

Travelers

$4,131

$5,864

Travelers

$4,131

$5,864

Kemper

$4,146

$8,409

Kemper

$4,146

$8,409

Nationwide

$4,435

$9,529

Nationwide

$4,435

$9,529

Kemper

$4,542

$9,212

Kemper

$4,542

$9,212

Kemper

$4,584

$10,269

Kemper

$4,584

$10,269

Nationwide

$4,987

$10,715

Nationwide

$4,987

$10,715

Nationwide

$5,147

$12,932

Nationwide

$5,147

$12,932

Adding a teen to a family policy is typically more cost-effective than purchasing a separate policy. A 16-year-old boy will likely pay about $1,316 more for separate auto insurance than he would under his family's plan. Choosing the most affordable policy for young drivers can help you save.

Cheapest Car Insurance in San Bernardino for Military Drivers

The most affordable auto insurers in San Bernardino for military personnel and their families are:

  • USAA: $897 per year
  • GEICO: $1,095 per year

USAA and GEICO are also the cheapest and second cheapest if you want low-cost minimum coverage military auto insurance.

Company
Annual Premium
Monthly Premium

USAA

$381

$32

USAA

$381

$32

GEICO

$389

$32

GEICO

$394

$33

State Farm

$450

$37

Mercury

$452

$38

USAA

$460

$38

GEICO

$464

$39

Mercury

$465

$39

AAA California

$472

$39

Progressive

$478

$40

Progressive

$488

$41

AAA California

$492

$41

Travelers

$528

$44

Travelers

$528

$44

Kemper

$541

$45

Nationwide

$563

$47

Progressive

$570

$47

Mercury

$570

$48

Nationwide

$584

$49

State Farm

$594

$50

Travelers

$601

$50

Hartford

$601

$50

AAA California

$602

$50

Kemper

$623

$52

State National

$644

$54

Allstate

$644

$54

Allstate

$651

$54

Farmers

$659

$55

Capital Insurance Group

$661

$55

State National

$664

$55

Farmers

$677

$56

State Farm

$678

$57

Capital Insurance Group

$684

$57

National General

$687

$57

Hartford

$694

$58

Allstate

$699

$58

National General

$708

$59

Nationwide

$734

$61

Capital Insurance Group

$766

$64

Farmers

$769

$64

Chubb

$777

$65

State National

$781

$65

Chubb

$801

$67

Kemper

$828

$69

National General

$849

$71

USAA

$875

$73

USAA

$897

$75

Hartford

$920

$77

GEICO

$1,057

$88

USAA

$1,071

$89

State Farm

$1,075

$90

GEICO

$1,095

$91

AAA California

$1,103

$92

Progressive

$1,108

$92

Chubb

$1,114

$93

Progressive

$1,114

$93

Mercury

$1,117

$93

AAA California

$1,124

$94

Mercury

$1,140

$95

National General

$1,185

$99

Allstate

$1,197

$100

National General

$1,202

$100

GEICO

$1,262

$105

Allstate

$1,267

$106

Nationwide

$1,271

$106

Progressive

$1,338

$111

Hartford

$1,360

$113

Capital Insurance Group

$1,363

$114

Nationwide

$1,378

$115

State Farm

$1,379

$115

Allstate

$1,403

$117

State National

$1,404

$117

National General

$1,439

$120

Capital Insurance Group

$1,443

$120

AAA California

$1,476

$123

Mercury

$1,483

$124

Kemper

$1,495

$125

State National

$1,509

$126

Travelers

$1,515

$126

Hartford

$1,571

$131

Travelers

$1,592

$133

State Farm

$1,612

$134

Capital Insurance Group

$1,625

$135

Farmers

$1,634

$136

Farmers

$1,670

$139

Nationwide

$1,788

$149

Chubb

$1,830

$152

Kemper

$1,839

$153

State National

$1,850

$154

Chubb

$1,889

$157

Travelers

$1,904

$159

Farmers

$1,976

$165

Hartford

$2,064

$172

Kemper

$2,236

$186

Chubb

$2,690

$224

How to Compare Cheap San Bernardino Car Insurance Quotes Online

Obtaining insurance quotes online takes at least 15 minutes per company and requires disclosing personal information. MoneyGeek's auto insurance calculator can quickly provide you with an estimate using your age, vehicle type, coverage level and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

California
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

Progressive

Best Car Insurance in San Bernardino: Summary

Choosing the right vehicle insurance requires considering several aspects, including coverage, cost and service quality. The best car insurance companies in San Bernardino, California, as recommended by MoneyGeek, are:

  • Best overall: GEICO (MoneyGeek score 79 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score 78 out of 100)

Keep in mind that the weighting of criteria in each category ultimately determines the MoneyGeek score. Also note that location affects how a company performs across the state, particularly in terms of affordability. For example, CSAA is California’s best car insurance but not San Bernardino’s. In addition, USAA, which serves the military community, scored 85 out of 100.

Best Overall Car Insurance in San Bernardino

MoneyGeek’s top-rated companies for car insurance in San Bernardino are:

  • GEICO: MoneyGeek score 75 out of 100 ($1,095 per year)
  • Progressive: MoneyGeek score 74 out of 100 ($1,108 per year)

GEICO’s top selling points are its quality coverage and affordable price. USAA is a solid alternative for military members, with a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

GEICO

pros

Reasonable rates and extensive protection

Offers rental car coverage, roadside assistance and mechanical breakdown insurance

cons

Average satisfaction and subpar claims handling ratings

Doesn’t offer original equipment manufacturer (OEM) or deductible modification coverages

COMPANY HIGHLIGHTS

GEICO offers comprehensive coverage at an affordable price. Its rental car coverage comes in handy when your automobile is inoperable for more than 24 hours due to a covered accident. It reimburses rental costs up to your policy's preset maximum. GEICO’s roadside assistance also covers the price of repairs for flat tires, as well as towing, jump starts and unlocking your vehicle, so you won’t be stranded on the road for too long.

GEICO’s Mechanical Breakdown Insurance (MBI) is also helpful when your car’s engine fails. Compared to the typical dealer extended warranty, GEICO's MBI covers everything — not just the items on most dealers’ standard warranty list. Cars less than 15 months old with fewer than 15,000 miles are eligible for MBI.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in San Bernardino for Customer Service

With cost excluded from the analysis, these are the best companies for customer service in San Bernardino:

  • Chubb: MoneyGeek score 76 out of 100 ($1,830 per year)
  • Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,443 per year)

Chubb is one of the more expensive insurers in the San Bernardino area, but it processes claims swiftly and takes good care of its customers. The company may be worth considering if you've been disappointed by other companies' lengthy claim turnaround times or unsatisfactory customer service.

How was this MoneyGeek score calculated?

Chubb

pros

Superb scores for claims and customer satisfaction

Coverage for rental vehicle costs and replacement of original equipment from the manufacturer

cons

Pricier than the rest of the market

No breakdown service or insurance gap protection

COMPANY HIGHLIGHTS

Chubb's target market is likely limited compared with other insurers' because it doesn't offer key critical coverages, such as roadside assistance, MBI and gap insurance, which benefit a broad range of drivers. The company mitigates this drawback by providing exceptional service and prompt claims processing.

Chubb may also sweeten the deal for those who are very particular about the kind of vehicle they drive. For example, Chubb is one of the few insurers that cover the cost of factory-direct replacement components, making it a competitive option for consumers who have been in an accident and want all repairs done using original components. Its rental car reimbursement coverage will also pay you for the cost of renting a car similar to yours, up to $5,000, with no daily maximums.

Best Cheap Car Insurance in San Bernardino

The following companies offer the best minimum coverage plans in San Bernardino:

  • GEICO: MoneyGeek score 78 out of 100 ($394 per year)
  • Progressive: MoneyGeek score 69 out of 100 ($478 per year)

The lowest-priced insurance policy in San Bernardino will only cover minimum liability fees and won't pay for repairs to your own vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $394 per year

Offers defensive driving, anti-lock brakes and new vehicle discounts

Scored well for pricing and customer satisfaction

cons

Doesn’t have paperless and pay-in-full discounts

Inadequate performance in coverage and claims processing

COMPANY HIGHLIGHTS

GEICO offers the most competitive auto insurance rates in San Bernardino and great customer service. The company also provides an easy way for clients to save money through its accessible discounts. For example, by taking a defensive driving course, you’ll get a reduction in your insurance premiums.

Rarer discounts are also available, such as discounts for having anti-lock brakes, airbags, daytime running lights, a new car or staying accident-free for five years. These discounts help you save money and improve your safety on the road. In addition, senior drivers, good students, military members, federal employees and teachers qualify for discounts. However, the company doesn’t offer discounts for paperless and pay-in-full payments.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in San Bernardino

Auto insurance rates are influenced by a number of variables, including where you live. A full coverage policy costs $1,369 in San Bernardino. This amount is $18 less than the median cost of auto insurance throughout California but about $104 more than the typical cost of car insurance in the country as of October 2022. We base these estimates on a full insurance policy with limits of $100,000 per injured person, $300,000 per occurrence and $100,000 in property damage.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.