Cheapest Car Insurance Quotes in San Bernardino

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San Bernardino Car Insurance

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in San Bernardino

The car insurance rate in San Bernardino is $1153 for a six-month policy, which is $142 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $732, making it a popular choice for budget-conscious drivers. Rates in San Bernardino can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in San Bernardino

$1153

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in San Bernardino

1st place: CSAA

At $732 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $928 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $982 for six months, making it the third cheapest auto insurance company in San Bernardino.

San Bernardino Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Bernardino, CA is CSAA, offering policies at just $732 for a six-month term. This is followed by USAA, which has an average six-month premium of $928.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $880 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Bernardino drivers find the best deals.

Cheap Car Insurance Companies in San Bernardino, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$732	$123
USAA	$928	$156
Mercury	$982	$165
AAA SoCal	$1076	$184
Progressive	$1131	$190
Allstate	$1239	$209
Wawanesa	$1246	$210
AAA NorCal	$1260	$214
Auto Club	$1300	$217
State Farm	$1375	$231
AAA	$1564	$261
Kemper	$1619	$275
Farmers	$1808	$301
Capital Insurance Group	$806	$135
National General	$820	$139
State National	$833	$139
Hartford	$880	$149

Key Takeaways

Way's key takeaways about car insurance in San Bernardino

The auto insurance costs in San Bernardino fall around $732 for six months.
The cheapest auto insurance company in San Bernardino is CSAA.
Teen drivers pay the highest rate in San Bernardino at $76 per month.

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Cheapest Minimum Liability Car Insurance in San Bernardino

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in San Bernardino are given below.

CSAA provides the cheapest minimum car insurance coverage in San Bernardino. Their Average 6 Month Premium is $176. 21st Century is the most expensive at $461 for the same period.

Cheapest Liability Coverage in San Bernardino, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$176	$30
AAA	$311	$52
USAA	$325	$55
AAA NorCal	$339	$57
AAA SoCal	$386	$66
Progressive	$393	$66
Auto Club	$399	$68
State Farm	$413	$70
Wawanesa	$420	$71
Mercury	$447	$75
Allstate	$481	$81
Farmers	$576	$96
Kemper	$318	$54
Capital Insurance Group	$345	$59
State National	$366	$63
National General	$454	$75
21st Century	$461	$79

Cheapest Full Coverage Car Insurance in San Bernardino

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in San Bernardino is CSAA at $123 per month and $732 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Bernardino, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$732	$123
USAA	$928	$156
Mercury	$982	$165
AAA SoCal	$1076	$184
Progressive	$1131	$190
Allstate	$1239	$209
Wawanesa	$1246	$210
AAA NorCal	$1260	$214
Auto Club	$1300	$217
State Farm	$1375	$231
AAA	$1564	$261
Kemper	$1619	$275
Farmers	$1808	$301
Capital Insurance Group	$806	$135
National General	$820	$139
State National	$833	$139
Hartford	$880	$149

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Average Car Insurance in San Bernardino by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in San Bernardino, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in San Bernardino, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, San Bernardino's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in San Bernardino

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$667
30s	Wawanesa	$538
40s	Wawanesa	$538
50s	Wawanesa	$538
60s	Wawanesa	$538
70s	Wawanesa	$527

Cheapest Car Insurance Rates for Teen Drivers in San Bernardino,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the San Bernardino at $44 per month. At $447 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$264	$44
Capital Insurance Group	$596	$99
USAA	$1422	$239
Mercury	$1442	$243
Wawanesa	$1585	$269
Progressive	$1659	$279
CSAA	$1997	$336
State Farm	$2370	$399
AAA SoCal	$2566	$437
Allstate	$2750	$463
Auto Club	$2932	$498
AAA NorCal	$3907	$651
Farmers	$3989	$678
State National	$426	$71
Marcury	$447	$76

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in San Bernardino.

As young drivers face the highest rates in San Bernardino, Wawanesa offers the cheapest auto insurance rates at $667 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in San Bernardino.

Car Insurance Rates with An Accident in San Bernardino

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In San Bernardino, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in San Bernardino

The cheapest car insurance companies after an at-fault accident in San Bernardino include AAA and Capital Insurance Group, offering $433 and $622, respectively. 21st Century is an expensive provider with an average six-month premium of $779.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$433	$73
Capital Insurance Group	$622	$106
CSAA	$833	$140
USAA	$1246	$210
Progressive	$1442	$243
Mercury	$1530	$260
Wawanesa	$1760	$293
AAA SoCal	$1849	$315
Auto Club	$1951	$325
Farmers	$2004	$337
State Farm	$2384	$401
AAA NorCal	$2552	$434
Allstate	$3068	$516
State National	$514	$85
Hartford	$596	$101
National General	$684	$114
Nationwide	$738	$125
21st Century	$779	$130

San Bernardino Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Bernardino CA. For example, the car insurance in San Bernardino after a DUI increases to $1984 for a six month policy. While the rate increases by $521 for a six-month policy in the case of a speeding ticket.

San Bernardino auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1239	$206
Not-at-fault accident	$1239	$211
One comp claim	$1239	$206
One Med/PIP claim	$1239	$211
Two comp claims	$1239	$206
Two Med/PIP claims	$1239	$211
At-fault accident - less than $1000	$1267	$211
Failure to show documents	$1632	$277
Driving with expired registration	$1666	$278
Driving without lights	$1666	$283
Failure to wear a seat belt	$1672	$279
Child safety restraint	$1686	$286
Speeding 11 - 15 MPH over limit	$1753	$292
Speeding 16 - 20 MPH over limit	$1753	$299
Driving too slowly	$1760	$293
Failure to stop at a red light	$1760	$300
Failure to yield	$1760	$293
Following too closely	$1760	$300
Illegal turn	$1760	$293
In 65 MPH zone	$1760	$300
Speeding 21 - 25 MPH over limit	$1760	$293
Speeding 6 - 10 MPH over limit	$1760	$300
Speeding in school zone	$1760	$293
Improper passing	$1767	$301
Cell phone violation	$1774	$295
Texting while driving	$1774	$302
Passing school bus	$1794	$299
Wrong way/wrong lane	$2099	$357
Operating a vehicle without permission	$2147	$358
At-fault accident - $1000-$2000	$2160	$367
At-fault accident - greater than $2000	$2160	$360
Open container	$2167	$368
Driving with a suspended license	$2513	$418
Reckless driving	$3061	$521
Racing	$3095	$515
Leaving scene of an accident/hit and run	$3108	$529
DUI	$3223	$537
Refusal to submit to a chemical test	$3223	$548

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in San Bernardino after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in San Bernardino.

The cheapest car insurance premiums in San Bernardino are offered by AAA at $853 for a six-month policy. However, it can be as expensive as $718 with companies like Kemper.

San Bernardino car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$853	$145
Capital Insurance Group	$928	$155
Mercury	$1104	$186
Progressive	$1632	$275
Wawanesa	$1984	$337
Farmers	$2106	$355
USAA	$2241	$377
CSAA	$2370	$399
AAA SoCal	$3427	$583
Auto Club	$3920	$653
AAA NorCal	$4517	$768
State Farm	$4821	$812
Allstate	$4964	$836
Travelers	$955	$160
National General	$447	$74
Kemper	$718	$120

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in San Bernardino are offered by CSAA at $108. However, it can be as expensive as $514 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in San Bernardino after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$108	$18
Capital Insurance Group	$596	$99
Mercury	$1016	$171
USAA	$1064	$177
Progressive	$1145	$193
AAA NorCal	$1585	$264
AAA SoCal	$1700	$290
Allstate	$1748	$291
State Farm	$1849	$315
Farmers	$2559	$426
AAA	$332	$56
Kemper	$420	$72
National General	$447	$74
State National	$514	$88

Car Insurance Price Trends in San Bernardino, California

Car insurance rates in San Bernardino have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the San Bernardino rose by $219 in December compared to $217 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the San Bernardino rose to $62 in December, compared to $59 in November. This represents an increase of $3 when comparing December and November.

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Average Car Insurance Cost in San Bernardino by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the San Bernardino. At $1359 for a six-month policy, insuring your car at 92410 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
92410	$1359	$228
92411	$1267	$213
92404	$1440	$242
92401	$1152	$193
92407	$1463	$246
92408	$1210	$203
92405	$1290	$217

Frequently Asked Questions

How much is car insurance in San Bernardino?

The car insurance in San Bernardino is $30 per month, which is lower than the national average.

What is the cheapest car insurance in San Bernardino?

The cheapest car insurance in San Bernardino is $123 per month for full coverage.

How much is car insurance in San Bernardino for teenagers?

Car insurance for teenagers costs $264 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in San Bernardino?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $194 per month to insure your car in San Bernardino.

Is car insurance expensive in San Bernardino?

Car insurance can be expensive in San Bernardino if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in San Bernardino can be affordable.

Cheapest Car Insurance Quotes in San Bernardino

Why you can trust Way?

How Much Is Car Insurance in San Bernardino

Avg. Car Insurance in San Bernardino

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in San Bernardino

1st place: CSAA

2nd place: USAA

3rd place: Mercury

San Bernardino Car Insurance Rates by Company

Cheap Car Insurance Companies in San Bernardino, CA

Way's key takeaways about car insurance in San Bernardino

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in San Bernardino

Cheapest Liability Coverage in San Bernardino, CA

Cheapest Full Coverage Car Insurance in San Bernardino

Cheapest Full Coverage Car Insurance Quotes in San Bernardino, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in San Bernardino by Rating Factor

I have a clean driving record. Why is my car insurance rate here in San Bernardino, CA increasing?

Car Insurance Premiums by Age in San Bernardino

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in San Bernardino,CA

If you are in your twenties Wawanesa is the best choice for car insurance in San Bernardino.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in San Bernardino

Cheapest Car Insurance Companies after an At-Fault Accident in San Bernardino

San Bernardino Car Insurance Rates by Violation

San Bernardino auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in San Bernardino after a DUI

San Bernardino car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in San Bernardino after Speeding ticket

Car Insurance Price Trends in San Bernardino, California

Average Car Insurance Cost in San Bernardino by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near San Bernardino, CA

Car Insurance Rates by State in the USA (2025 Update)

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