Cheap Quotes for San Bernardino, CA Car Insurance (2021)

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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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • 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.

Minimum Required Car Insurance Coverage in San Bernardino, California

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.

Annual Car Insurance Rates by ZIP Code in San Bernardino, California

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in San Bernardino, California

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.

Annual Car Insurance Rates for Teen Drivers in San Bernardino, California

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.

Annual Car Insurance Rates for Senior Drivers in San Bernardino, California

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.

Annual Car Insurance Rates by Coverage Level in San Bernardino, California

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.

Annual San Bernardino, California Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in San Bernardino, California

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.

Annual Car Insurance Rates by Commute Length in San Bernardino, California

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.

Best Annual Car Insurance Rates by Company in San Bernardino, California

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.

Average Annual Car Insurance Rates by Company in San Bernardino, California

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.

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