Buy Cheap San Bernardino, CA Auto Insurance

The average auto insurance rates in San Bernardino are $2,126 per year or $177/mo. The cheapest auto 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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • The cheapest auto 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 auto insurance rates are about the same as the state and national averages

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

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

You can save on San Bernardino, CA by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on how to buy auto insurance in San Bernardino, CA for every age, credit history, and driving record.

By examining rates and companies in San Bernardino, CA, weather the storm of finding cheap auto insurance.

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

What is the cheapest auto 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 auto insurance company that offers coverage to everyone is GEICO.

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.

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What auto 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.

What affects auto 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 Auto 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 auto insurance quotes in San Bernardino, CA by entering your ZIP code now.

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