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Main architect of the Insurify Quality Score
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Cheapest recent rates near San Bernardino, California
Drivers in and around San Bernardino, California have found policies from Aspire General, Orion Indemnity Company, Allstate, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around San Bernardino, California within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around San Bernardino, California within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
San Bernardino drivers pay a monthly premium of $320 for full-coverage car insurance, which is slightly higher than the California full-coverage average of $283. But San Bernardino’s average car insurance rates are much lower than rates in nearby cities like Los Angeles, possibly due to San Bernardino’s lower rate of traffic injuries and fatalities and lower population.[1][2]
San Bernardino residents can still find affordable car insurance from numerous insurers that serve the city. Here’s what you need to know about comparing quotes and finding affordable coverage in the city.
Quick Facts
Mile Auto, Sun Coast, and Mercury have the cheapest car insurance in San Bernardino.
San Bernardino drivers pay an average of $3,834 per year for full-coverage car insurance.
The overall average car insurance rate of $238 per month in San Bernardino is higher than the overall national average of $154 per month.
3 of the cheapest car insurance companies in San Bernardino
When it comes to choosing a car insurance company in San Bernardino, it’s important to carefully assess your coverage needs and budget rather than solely focusing on finding the cheapest policies available. Factors such as your driving history, vehicle type, and coverage preferences can affect your insurance rates significantly.[3]
Here are some of the top car insurance companies in San Bernardino to help you start your search.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
Mile Auto
7.5
$108
$60
Low-mileage drivers
Clearcover
6.8
$137
$67
Digital experience
Travelers
9.0
$400
$198
Full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$67/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$121/mo
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
For people who don’t drive often, Mile Auto is a solid option for auto insurance coverage. Its pay-per-mile insurance model allows low-mileage drivers to benefit from significant savings of 30% to 40%. But drivers may find the insurer’s lack of advertised discounts and customizable coverage disappointing.
Pros
Offers savings specifically for drivers with low mileage
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$102/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$183/mo
3.3
A solid optionBased on 48 verified guest reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (35)
Catherine
October 22, 2024
Verified Review
Great Customer Service
My premium increased by $70 due to an auto accident.
Brett
October 12, 2024
Verified Review
Unexpected Rate Increases
Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
With Clearcover, policyholders can quickly receive a customized quote tailored to their needs. Additionally, Clearcover’s claims process is incredibly efficient, taking an average of only seven minutes to file a claim. Drivers may enjoy Clearcover’s highly rated mobile app, which allows them to manage their policy, file a claim, and get roadside assistance from their phones.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$221/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$450/mo
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Travelers offers a combination of convenience and dependable coverage. Drivers can customize their policies with multiple coverage options and potentially lower their premiums with Travelers’ various discounts. Travelers is best for drivers who want all the bells and whistles in their car insurance policies.
Pros
Offers gap insurance and roadside assistance
Multiple discounts to qualify for
Cons
Below-average J.D. Power claims satisfaction rating
Rideshare coverage not available in California
How to get the cheapest car insurance in San Bernardino
When looking for affordable car insurance in San Bernardino, remember these valuable tips:
Consider a higher deductible. Choosing a higher deductible can lead to a lower premium. But make sure you have enough savings to cover the deductible amount in case you need to file a claim.
Shop around. The aim is not just to find cheap car insurance in San Bernardino, but to find the right policy at the best price. Since insurance companies offer different rates to drivers, it’s essential to compare quotes from multiple insurance companies to secure the most favorable deal.
Bundle policies. Inquire about multi-policy discounts if you buy multiple insurance products with the same company. If you bundle your car insurance with other policies, such as renters insurance, business insurance, life insurance, or homeowners insurance, you can usually get a discount.
Explore potential discounts. Many insurance companies offer discounts based on factors such as good grades, low mileage, or having specific safety features in your car. You can ask the insurance agents you’re working with about potential discounts that can help you save money.
Find Cheap Car Insurance in San Bernardino
Liability rates start at $67 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in San Bernardino: Mile Auto
In San Bernardino, you’ll find several insurance companies that offer low-cost liability-only car insurance. This type of auto insurance coverage pays for other parties’ damages and injuries after you cause an accident.
But it’s important to note that liability-only policies don’t cover your own medical expenses or vehicle repair costs. And if you only buy your state’s minimum amount, you could be at financial risk if you cause an accident in which damages exceed your policy’s limits.
Liability coverage in San Bernardino costs an average of $157 per month.
Here are the cheapest liability car insurance companies in San Bernardino.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Mile Auto
$67
Sun Coast
$106
Mercury
$116
Anchor
$121
USAA
$137
National General
$148
Direct Auto
$171
GEICO
$183
Allstate
$190
Farmers
$195
State Farm
$211
Travelers
$221
21st Century
$241
Bristol West
$258
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in San Bernardino: Mile Auto
While liability-only insurance covers the cost of damages and injuries you cause, full-coverage car insurance goes a step further to cover damages to your own vehicle. This type of insurance typically includes comprehensive and collision insurance in addition to liability coverage.
San Bernardino drivers pay $320 per month for full-coverage insurance, on average.
Here are the cheapest full-coverage policies in San Bernardino.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Mile Auto
$121
Mercury
$213
Sun Coast
$257
USAA
$278
Anchor
$323
National General
$369
GEICO
$372
Allstate
$384
Farmers
$395
Direct Auto
$397
State Farm
$428
Travelers
$450
Bristol West
$463
21st Century
$489
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near San Bernardino, California
Drivers in and around San Bernardino, California have found policies from Farmers, State Farm, Direct Auto, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around San Bernardino, California within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around San Bernardino, California within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in California
Drivers in California must adhere to the state’s 15/30/5 minimum car insurance requirements. Failure to show proof of insurance or submit proof to the California Department of Motor Vehicles may result in vehicle registration suspension.
Here’s what California’s 15/30/5 minimum requirements translate to:[4]
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$15,000 per person / $30,000 per accident
Property damage liability
$5,000 per accident
Important Information
California liability limits will increase on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[5]
Most insurance companies also offer optional coverages that you can add to your policy for even more protection. Here are some additional coverage options you should consider:
Comprehensive coverage
Comprehensive insurance pays for damages and losses from non-collision events, like wildfires, theft, vandalism, falling objects, and severe weather.
Collision coverage
Collision insurance pays for repairs from collisions with other vehicles or objects, regardless of fault.
Glass coverage
This includes coverage for windshield and glass damages, and select policies offer zero-deductible coverage for side windows, rear windows, and glass sunroofs.
Gap coverage
Gap insurance can be beneficial for financed or leased vehicles. Gap insurance covers the difference between your auto loan balance and the insurance settlement in the event of a total loss.
California’s low-cost auto insurance program
California’s Low Cost Automobile insurance program (CLCA) can help qualifying drivers secure affordable coverage while rates increase. This program offers car insurance options at annual premiums from $232 to $932, depending on the county. To qualify for the program, you must meet the following criteria:
Hold a valid California driver’s license
Meet income eligibility requirements
Own a vehicle valued at $25,000 or less
Be at least 16 years old
Maintain a good driving record or be a new driver
The program’s auto insurance fulfills the state’s minimum liability requirements. But drivers have the option to include medical payments and uninsured/underinsured motorist coverage for an additional annual cost ranging from $37 to $107. Drivers can apply for the program conveniently through MyLowCostAuto.com.
Cheapest car insurance for drivers with an incident
Drivers with a history of incidents like speeding tickets, driving under the influence (DUI), and at-fault accidents may struggle to find affordable car insurance. These incidents typically lead to increased insurance premiums because they suggest a higher probability of future claims.
Insurify’s data below highlights the most affordable insurance companies for drivers with a spotty driving record.
Shop for Car Insurance in San Bernardino
Monthly rates start at $79 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
San Bernardino reported 200 speed-related car crashes in 2020.[1] Exceeding the speed limit while driving is dangerous and poses a significant risk to your safety and other drivers’ safety. Having a speeding ticket on your driving record will likely lead to higher auto insurance premiums compared to having a clean record.
San Bernardino drivers with a speeding ticket pay a monthly average of $203 for liability coverage and $413 for full coverage.
To help you find the best insurance rates, here’s an overview of the lowest average monthly quotes for San Bernardino drivers with speeding tickets on their records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Mile Auto
$67
$84
Sun Coast
$106
$137
Mercury
$116
$155
Anchor
$121
$148
USAA
$137
$170
National General
$148
$185
Direct Auto
$171
$213
GEICO
$183
$228
Allstate
$190
$236
Farmers
$195
$241
State Farm
$211
$260
Travelers
$221
$277
21st Century
$241
$311
Bristol West
$258
$323
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
In 2020, San Bernardino reported more than 1,500 deaths and injuries from car accidents in the city.[1] An at-fault accident on your driving record typically leads to an increase in auto insurance premiums. Insurance companies implement this measure to offset potential financial risks associated with future accidents.
Liability policies cost $191 per month in San Bernardino for drivers with an accident, and full-coverage policies cost $390 per month, on average.
The table below shows the cheapest auto insurance companies for drivers with an at-fault accident in San Bernardino.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Mile Auto
$67
$86
Sun Coast
$106
$129
Mercury
$116
$155
Anchor
$121
$161
USAA
$137
$171
National General
$148
$184
Direct Auto
$171
$218
GEICO
$183
$228
Allstate
$190
$237
Farmers
$195
$242
State Farm
$211
$260
Travelers
$221
$277
21st Century
$241
$308
Bristol West
$258
$321
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Mile Auto
Driving under the influence is a violation that not only poses great danger but also incurs significantly higher car insurance premiums. Furthermore, drivers with a DUI conviction in California may have to file SR-22 insurance with the state, which can make it difficult to find affordable auto insurance coverage. Insurance companies view a DUI history as high-risk and adjust premiums to account for the risk of future claims.
San Bernardino drivers with a DUI pay an average of $223 per month for minimum-coverage policies. Rates for full-coverage policies jump to $454 per month.
If you have a DUI on your record, the following insurance companies offer the most competitive monthly quotes in San Bernardino.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Mile Auto
$67
$103
Sun Coast
$106
$150
Mercury
$116
$163
Anchor
$121
$185
USAA
$137
$210
National General
$148
$227
Direct Auto
$171
$262
GEICO
$183
$281
Allstate
$190
$291
Farmers
$195
$299
State Farm
$211
$323
Travelers
$221
$339
21st Century
$241
$369
Bristol West
$258
$395
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Mile Auto
Your age is one of the biggest influences on your car insurance premiums, and rates typically decrease as drivers accumulate experience and enter their mid-30s. But when senior drivers reach approximately 70 years old, premiums might increase slightly due to factors such as potential health concerns and elevated accident risks.[6]
San Bernardino seniors pay an average of $137 per month for liability-only coverage.
For senior drivers in San Bernardino, here are the insurance companies that offer some of the lowest average monthly quotes, based on Insurify’s data.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Mile Auto
$94
$52
Mercury
$173
$94
Sun Coast
$225
$93
USAA
$229
$113
Anchor
$259
$97
National General
$291
$117
GEICO
$305
$150
Allstate
$317
$157
Farmers
$318
$157
Direct Auto
$319
$137
State Farm
$343
$169
Travelers
$363
$178
21st Century
$378
$186
Bristol West
$382
$213
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Mile Auto
The cost of car insurance for young drivers and teenagers is often significantly higher compared to older drivers due to their limited experience behind the wheel and higher-risk profiles. As a teenager, one effective strategy to find affordable car insurance is to remain on a parent’s insurance policy, as it often results in more favorable rates.
Minimum-coverage policies cost teen drivers in San Bernardino an average of $250 per month, and full-coverage policies cost $509 per month.
Selecting a safe and reliable vehicle equipped with advanced safety features and maintaining good grades to qualify for good student discounts can further help in finding affordable insurance coverage.
The table below shows the cheapest car insurance companies for teen drivers and young adults in San Bernardino.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Mile Auto
$228
$126
Mercury
$365
$199
Sun Coast
$409
$169
USAA
$451
$222
Anchor
$531
$199
GEICO
$574
$282
Allstate
$664
$328
Farmers
$669
$330
Direct Auto
$704
$303
National General
$707
$284
State Farm
$712
$351
Bristol West
$755
$421
Travelers
$790
$388
21st Century
$802
$395
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify partners with 100+ top insurers to provide free car insurance quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Is car insurance more expensive in San Bernardino?
The average cost of car insurance in the U.S. is $204 per month for full coverage, and in California, the cost is $283 per month. In San Bernardino, drivers pay slightly more than the national average and the state average — around $320 per month.
Keep in mind that insurance rates can vary significantly based on ZIP code, and factors like weather, crime, and traffic patterns also affect rates.
More cities in California
Car insurance rates in San Bernadino are higher than in some other cities across California. But cities like Los Angeles, which saw a significant increase in traffic injuries and fatalities in 2020 compared to San Bernardino, typically have higher average car insurance costs.
Here’s how average car insurance quotes in San Bernardino compare to quotes in other California cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
San Bernardino car insurance FAQs
Find out why your car insurance rates might be so high, and check out Insurify’s answers to common questions about San Bernardino car insurance.
How much is car insurance in San Bernardino?
The average cost of car insurance in San Bernardino is $157 per month for liability-only coverage and $157 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in San Bernardino?
Mile Auto has the cheapest car insurance in San Bernardino, with monthly liability rates as low as $67. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $106 and $116.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in San Bernardino?
Some of the best car insurance companies in San Bernardino include Travelers, Mile Auto, and Clearcover. These insurers offer coverage for various driver profiles, and they have low average rates compared to other companies in the city.
But the best insurer for you depends on your coverage needs and personal budget, which is why you should always compare quotes from different companies to find the best price.
What’s the minimum car insurance requirement in California?
California requires 15/30/5 minimum car insurance, which translates to $15,000 per person and $30,000 per accident for bodily injury liability coverage and $5,000 for property damage liability coverage.
Can auto insurers use your credit score to set rates in California?
No. Auto insurers can’t use your credit score when determining your car insurance rates in California. This means that all other factors equal, you won’t pay more for car insurance with bad credit compared to someone with good credit.[7]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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