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.
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.
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.
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.
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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.
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.
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.
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.
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?
Reasonable rates and extensive protection
Offers rental car coverage, roadside assistance and mechanical breakdown insurance
Average satisfaction and subpar claims handling ratings
Doesn’t offer original equipment manufacturer (OEM) or deductible modification coverages
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.
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?
Superb scores for claims and customer satisfaction
Coverage for rental vehicle costs and replacement of original equipment from the manufacturer
Pricier than the rest of the market
No breakdown service or insurance gap protection
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?
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
Doesn’t have paperless and pay-in-full discounts
Inadequate performance in coverage and claims processing
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.
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