Compare San Bernardino, CA Car Insurance Rates (2021)

The average car insurance rates in San Bernardino are $2,126 per year or $177/mo. The cheapest car insurance in San Bernardino, CA comes from GEICO, but the state does offer California Low-Cost Auto (CLCA) insurance for low-income drivers who meet certain qualifications. Car insurance requirements in San Bernardino, California are the same as the state minimum auto insurance of 15/30/5 for all drivers unless they carry CLCA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 27, 2021

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Here's What You Need to Know

  • The cheapest car insurance company available to everyone in San Bernardino is GEICO
  • California low-cost auto insurance is available to drivers who meet certain requirements
  • San Bernardino, CA car insurance rates are about the same as the state and national averages

The cost of car insurance in San Bernardino, CA is right around the state and national averages.

Although California car insurance is high in general, San Bernardino car insurance rates are some of the lowest in the state at $2,126 per year or $177/mo.

Before you buy car insurance in San Bernardino, CA, shop around to find cheap car insurance. If you can’t afford car insurance, you may qualify for the low-cost insurance offered by the state.

Monthly San Bernardino, CA Car Insurance Rates by ZIP Code

Find more info about the monthly San Bernardino, CA auto insurance rates by ZIP Code below:

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San Bernardino, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare San Bernardino, CA against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare car insurance rates in San Bernardino, CA.

What is the cheapest car insurance company in San Bernardino, CA?

USAA offers the cheapest car insurance in San Bernardino, but it only offers auto insurance to active military, veterans, and their families.

The cheapest car insurance company that offers coverage to everyone is GEICO.

The cheapest San Bernardino, CA car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California car insurance company rates?” We cover that as well.

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These are the top car insurance companies in San Bernardino, CA ranked from least to most expensive:

  • USAA – $3,005.04
  • GEICO – $3,064.53
  • Progressive – $3,294.82
  • Liberty Mutual – $3,403.92
  • Travelers – $3,755.29
  • Allstate – $4,759.32
  • State Farm – $4,861.26
  • Nationwide – $5,164.03
  • Farmers – $5,806.47

The best company for you will depend on many different factors, such as age, marital status, driving record, ZIP code, and credit score. Gender is not allowed to be used to calculate car insurance rates in California.

California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

San Bernardino, California car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your San Bernardino, CA car insurance rates. Find the cheapest San Bernardino, California car insurance rates by coverage level below:

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Your driving record will affect your San Bernardino car insurance rates. For example, a San Bernardino, California DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest San Bernardino, California car insurance rates by driving record.

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Factors affecting car insurance rates in San Bernardino, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest San Bernardino, California car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in San Bernardino. CA does use gender, so check out the average monthly car insurance rates by age and gender in San Bernardino, CA.

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What car insurance coverage is required in San Bernardino, CA?

Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally.

The minimum car insurance requirements in California for San Bernardino drivers are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These minimums are very low, and drivers should consider carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

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What affects car insurance rates in San Bernardino, CA?

San Bernardino is considered part of the greater Los Angeles area and has the traffic and vehicle thefts that go along with living near a large city.

INRIX does not have specific information for San Bernardino but reports that Los Angeles, CA ranks sixth in the country for traffic congestion. Los Angeles also ranks 26th in the world for traffic congestion.

City-Data reports that San Bernardino, CA commute times are mainly under 25 minutes, but a large number of drivers commute 60 minutes or more.

Theft is another factor that can drive up auto insurance rates. The FBI reports that there were 2,277 motor vehicle thefts in San Bernardino.

San Bernardino, CA Car Insurance: The Bottom Line

Although drivers in California generally have higher auto insurance rates, San Bernardino prices are about average.

However, there are ways to get the most affordable auto insurance in San Bernardino, CA. Shop around and compare quotes to find the best deal for you.

Compare car insurance quotes in San Bernardino, CA by entering your ZIP code now.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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San Bernardino, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
San Bernardino, CA Car Insurance Rates by Company vs. City Average
San Bernardino, CA Car Insurance Rates by Company and Age
The Cheapest San Bernardino, CA Car Insurance Rates by Coverage Level
The Cheapest San Bernardino, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in San Bernardino, CA
Average Monthly Car Insurance Rates by Age & Gender in San Bernardino, CA
San Bernardino, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
San Bernardino, CA Car Insurance Rates by Company vs. City Average
San Bernardino, CA Car Insurance Rates by Company and Age
The Cheapest San Bernardino, CA Car Insurance Rates by Coverage Level
The Cheapest San Bernardino, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in San Bernardino, CA
Average Monthly Car Insurance Rates by Age & Gender in San Bernardino, CA