Cheap Quotes for San Bernardino, CA Car Insurance (2024)
San Bernardino, California car insurance rates average $344 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple San Bernardino, CA companies, you can find cheap San Bernardino car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in San Bernardino, CA after a DUI are $5,791/year
- San Bernardino has an average commute time of 28.4 minutes
- The cheapest car insurance company in San Bernardino is USAA
How do the San Bernardino, California monthly average car insurance rates of $344/month compare to nearby cities like Oakland car insurance rates, Los Angeles car insurance rates, and Long Beach car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in San Bernardino, CA.
We’ll cover the California minimum coverage requirements, California car insurance laws, and San Bernardino, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple San Bernardino, California companies to find the most affordable San Bernardino car insurance rates.
Enter your ZIP code above to find cheap San Bernardino, CA car insurance quotes today.
What are the minimum San Bernardino, CA car insurance requirements?
To meet California minimum car insurance coverage requirements, San Bernardino, CA drivers need to carry at least 15/30/5 coverage.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Average San Bernardino, CA Car Insurance Rates by ZIP Code
Where you live is a major determinate of your car insurance rates. Even within San Bernardino, CA you can see that rates will vary by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 92401 | $5,846 |
| 92403 | $5,632 |
| 92404 | $5,446 |
| 92405 | $5,549 |
| 92407 | $5,465 |
| 92408 | $5,589 |
| 92410 | $5,641 |
| 92411 | $5,604 |
How do age, gender, and marital status affect San Bernardino, CA car insurance rates?
Three of the criteria that most affect car insurance rates in San Bernardino, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top San Bernardino car insurance companies.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,060 | $3,067 | $2,221 | $2,251 | $8,483 | $10,687 | $3,945 | $4,360 |
| Farmers | $3,151 | $3,151 | $2,839 | $2,839 | $10,066 | $16,512 | $3,735 | $4,159 |
| Geico | $1,897 | $1,898 | $1,784 | $1,784 | $5,774 | $5,870 | $2,726 | $2,784 |
| Liberty Mutual | $2,579 | $2,437 | $2,404 | $2,325 | $5,636 | $6,008 | $2,906 | $2,937 |
| Nationwide | $3,624 | $3,457 | $3,182 | $2,996 | $9,249 | $10,226 | $4,319 | $4,259 |
| Progressive | $2,056 | $2,119 | $1,743 | $2,076 | $5,513 | $6,666 | $2,978 | $3,207 |
| State Farm | $3,826 | $3,826 | $3,420 | $3,420 | $7,050 | $8,749 | $4,234 | $4,366 |
| Travelers | $2,786 | $2,698 | $2,457 | $2,429 | $5,789 | $6,666 | $3,650 | $3,568 |
| USAA | $2,146 | $2,031 | $2,094 | $2,100 | $4,941 | $4,958 | $2,968 | $2,803 |
How much do teen drivers pay for car insurance in San Bernardino, CA?
San Bernardino, California car insurance rates for teens are often higher than rates for other drivers. Compare San Bernardino car insurance rates from multiple San Bernardino, California car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,483 | $10,687 |
| Farmers | $10,066 | $16,512 |
| Geico | $5,774 | $5,870 |
| Liberty Mutual | $5,636 | $6,008 |
| Nationwide | $9,249 | $10,226 |
| Progressive | $5,513 | $6,666 |
| State Farm | $7,050 | $8,749 |
| Travelers | $5,789 | $6,666 |
| USAA | $4,941 | $4,958 |
How much do senior drivers pay for car insurance in San Bernardino, CA?
With a little research, seniors can find affordable car insurance in San Bernardino, California. Here’s a look at how the top San Bernardino car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,221 | $2,251 |
| Farmers | $2,839 | $2,839 |
| Geico | $1,784 | $1,784 |
| Liberty Mutual | $2,404 | $2,325 |
| Nationwide | $3,182 | $2,996 |
| Progressive | $1,743 | $2,076 |
| State Farm | $3,420 | $3,420 |
| Travelers | $2,457 | $2,429 |
| USAA | $2,094 | $2,100 |
How does coverage level affect San Bernardino, CA car insurance rates?
How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your San Bernardino, CA car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,519 | $4,798 | $4,961 |
| Farmers | $5,413 | $5,851 | $6,155 |
| Geico | $2,747 | $3,101 | $3,345 |
| Liberty Mutual | $3,166 | $3,433 | $3,613 |
| Nationwide | $4,604 | $5,256 | $5,632 |
| Progressive | $2,964 | $3,389 | $3,532 |
| State Farm | $4,375 | $4,944 | $5,265 |
| Travelers | $3,301 | $3,850 | $4,114 |
| USAA | $2,709 | $3,066 | $3,240 |
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How does your driving record affect San Bernardino, CA car insurance rates?
Safe driving pays off. The more traffic violations you have in San Bernardino, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top San Bernardino, California companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,857 | $4,838 | $7,585 | $3,757 |
| Farmers | $4,292 | $5,845 | $7,283 | $5,806 |
| Geico | $2,141 | $3,312 | $4,149 | $2,656 |
| Liberty Mutual | $2,955 | $3,958 | $3,572 | $3,131 |
| Nationwide | $3,599 | $4,619 | $7,820 | $4,619 |
| Progressive | $2,151 | $3,663 | $4,264 | $3,101 |
| State Farm | $3,469 | $4,137 | $7,813 | $4,026 |
| Travelers | $2,489 | $4,085 | $4,763 | $3,684 |
| USAA | $1,993 | $2,972 | $4,871 | $2,184 |
How does a DUI affect San Bernardino, CA car insurance rates?
With even one DUI on your record, you can see an increase in your San Bernardino, CA car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,585 |
| Farmers | $7,283 |
| Geico | $4,149 |
| Liberty Mutual | $3,572 |
| Nationwide | $7,820 |
| Progressive | $4,264 |
| State Farm | $7,813 |
| Travelers | $4,763 |
| USAA | $4,871 |
How does your commute affect San Bernardino, CA car insurance rates?
San Bernardino, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in San Bernardino if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,292 | $5,226 |
| Farmers | $5,268 | $6,345 |
| Geico | $2,784 | $3,345 |
| Liberty Mutual | $3,122 | $3,685 |
| Nationwide | $4,557 | $5,772 |
| Progressive | $2,990 | $3,599 |
| State Farm | $4,684 | $5,039 |
| Travelers | $3,372 | $4,139 |
| USAA | $2,767 | $3,243 |
Who has the cheapest San Bernardino, CA car insurance rates?
Here’s a breakdown of San Bernardino, California car insurance rates by company. You can see which company offers the cheapest San Bernardino car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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What are the top San Bernardino, CA car insurance companies?
Which San Bernardino, California car insurance company will best fit your needs and budget? Check out this comparison of the top San Bernardino companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,759 |
| Farmers | $5,806 |
| Geico | $3,065 |
| Liberty Mutual | $3,404 |
| Nationwide | $5,164 |
| Progressive | $3,295 |
| State Farm | $4,861 |
| Travelers | $3,755 |
| USAA | $3,005 |
What factors affect San Bernardino, CA car insurance rates?
Why are San Bernardino, California car insurance rates different than rates in Oakland or Los Angeles? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
What is the car theft rate in San Bernardino, CA?
FBI statistics show that the San Bernardino, California car theft rate is 2,194 thefts each year. High theft rates can lead to higher than average San Bernardino, CA car insurance rates.
How long is the average commute in San Bernardino, CA?
More time spent behind the wheel can lead to higher San Bernardino, California car insurance rates. In San Bernardino, CA, the average commute length is 28.4 minutes.
Car Insurance Quotes for San Bernardino, CA
Shop for affordable San Bernardino, California car insurance rates today. Enter your ZIP code to compare quotes from multiple San Bernardino, CA car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.