Cheapest Auto Insurance in San Bernardino, California (2025)
USAA has the cheapest car insurance in San Bernardino, with monthly liability rates as low as $87.
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San Bernardino drivers pay a monthly premium of $217 for full-coverage car insurance, which is slightly higher than the California full-coverage average of $200. 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 severe accidents, less congested highways, and lower population.[?] [?]
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
USAA, National General, and Sun Coast have the cheapest car insurance in San Bernardino.
San Bernardino drivers pay an average of $2,599 per year for full-coverage car insurance.
The overall average car insurance rate of $159 per month in San Bernardino is higher than the overall national average of $138 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.[?]
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 | 8.8 | $108 | $63 | Low-mileage drivers |
| Clearcover | 7.1 | $137 | $67 | Digital experience |
| Travelers | 8.5 | $301 | $131 | Full coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 55,000 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.
Best insurer for low-mileage drivers: Mile Auto
Best insurer for a digital experience: Clearcover
Best insurer for full coverage: Travelers
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 for your collision and comprehensive coverage 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 isn’t 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 your insurance agent about potential discounts that can help you save money.
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Liability rates start at $87 per month
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Cheapest liability-only car insurance in San Bernardino: USAA
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 California’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 $100 per month.
Here are the cheapest liability car insurance companies in San Bernardino.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $87 |
| National General | $97 |
| Sun Coast | $101 |
| Dairyland | $103 |
| Root | $110 |
| Mercury | $112 |
| Allstate | $120 |
| Farmers | $125 |
| Direct Auto | $126 |
| GEICO | $126 |
| Anchor | $127 |
| Bristol West | $132 |
| State Farm | $134 |
| Travelers | $141 |
| 21st Century | $154 |
| Nationwide | $189 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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 $217 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, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $200 |
| Root | $202 |
| Anchor | $204 |
| Mercury | $213 |
| GEICO | $222 |
| Sun Coast | $255 |
| Allstate | $276 |
| National General | $278 |
| Farmers | $284 |
| State Farm | $307 |
| Bristol West | $310 |
| Travelers | $322 |
| Direct Auto | $334 |
| 21st Century | $351 |
| Dairyland | $360 |
| Nationwide | $433 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. 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 30/60/15 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 and driver’s license suspension.
State lawmakers approved an increase in coverage limits, which take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:[?]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
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:
California’s low-cost auto insurance program
California's Low Cost Auto 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 for several years because they suggest a higher probability of future claims.
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Cheapest car insurance for drivers with a speeding ticket: USAA
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 for three to five years compared to having a clean record.
San Bernardino drivers with a speeding ticket pay a monthly average of $122 for liability coverage and $266 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, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $87 | $110 |
| National General | $97 | $119 |
| Sun Coast | $101 | $124 |
| Dairyland | $103 | $127 |
| Root | $110 | $144 |
| Allstate | $120 | $152 |
| Mercury | $112 | $155 |
| Anchor | $127 | $155 |
| Direct Auto | $126 | $156 |
| Farmers | $125 | $156 |
| GEICO | $126 | $162 |
| Bristol West | $132 | $163 |
| State Farm | $134 | $166 |
| Travelers | $141 | $178 |
| 21st Century | $154 | $198 |
| Nationwide | $189 | $239 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
In 2023, San Bernardino reported 38 fatalities in 37 accidents. An at-fault accident on your driving record typically leads to an increase in auto insurance premiums for three to five years. Insurance companies implement this measure to offset potential financial risks associated with future accidents.
Liability policies cost $119 per month in San Bernardino for drivers with an accident, and full-coverage policies cost $258 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, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $87 | $109 |
| Sun Coast | $101 | $120 |
| National General | $97 | $121 |
| Dairyland | $103 | $128 |
| Root | $110 | $136 |
| Allstate | $120 | $150 |
| GEICO | $126 | $151 |
| Farmers | $125 | $156 |
| Anchor | $127 | $157 |
| Mercury | $112 | $158 |
| Direct Auto | $126 | $162 |
| Bristol West | $132 | $163 |
| State Farm | $134 | $165 |
| Travelers | $141 | $177 |
| 21st Century | $154 | $195 |
| Nationwide | $189 | $237 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
Driving under the influence is a violation that not only poses great danger but also incurs significantly higher car insurance premiums. Drivers with a DUI conviction in California will 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 $124 per month for minimum-coverage policies. Rates for full-coverage policies jump to $270 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, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $87 | $118 |
| Sun Coast | $101 | $126 |
| National General | $97 | $132 |
| Dairyland | $103 | $140 |
| Root | $110 | $148 |
| Mercury | $112 | $159 |
| Allstate | $120 | $163 |
| GEICO | $126 | $167 |
| Farmers | $125 | $170 |
| Direct Auto | $126 | $171 |
| Anchor | $127 | $176 |
| Bristol West | $132 | $179 |
| State Farm | $134 | $182 |
| Travelers | $141 | $191 |
| 21st Century | $154 | $209 |
| Nationwide | $189 | $257 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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-20s. But when senior drivers reach approximately 70 years old, premiums might slightly increase due to factors such as potential health concerns and elevated accident risks.[?]
San Bernardino seniors pay an average of $89 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, October 31 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $166 | $72 |
| Anchor | $171 | $107 |
| Root | $173 | $94 |
| Mercury | $176 | $93 |
| GEICO | $180 | $102 |
| National General | $223 | $78 |
| Sun Coast | $227 | $90 |
| Allstate | $230 | $100 |
| Farmers | $230 | $101 |
| State Farm | $247 | $108 |
| Bristol West | $262 | $111 |
| Travelers | $262 | $115 |
| Direct Auto | $274 | $103 |
| 21st Century | $282 | $124 |
| Dairyland | $303 | $87 |
| Nationwide | $339 | $148 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
The cost of car insurance for 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. And, teens younger than 18 won’t be able to buy their own policies without the written consent of a parent or guardian.
Minimum-coverage policies cost teen drivers in San Bernardino an average of $187 per month, and full-coverage policies cost $406 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 on their own policies in San Bernardino.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Root | $358 | $195 |
| Anchor | $360 | $224 |
| USAA | $375 | $163 |
| Mercury | $402 | $212 |
| GEICO | $408 | $231 |
| Sun Coast | $478 | $189 |
| Allstate | $552 | $240 |
| Bristol West | $562 | $239 |
| Farmers | $564 | $248 |
| National General | $571 | $199 |
| State Farm | $600 | $262 |
| Dairyland | $606 | $173 |
| 21st Century | $646 | $284 |
| Direct Auto | $664 | $250 |
| Travelers | $667 | $292 |
| Nationwide | $856 | $374 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in San Bernardino?
The average cost of car insurance in the U.S. is $177 per month for full coverage, and in California, the cost is $200 per month. In San Bernardino, drivers pay slightly more than the national average and the state average — around $217 per month.
Keep in mind that insurance rates can vary significantly based on location, 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 338 fatalities in 2023 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.
City | Full Coverage | Liability Only |
|---|---|---|
| Bakersfield | $186 | $82 |
| Fresno | $182 | $84 |
| Los Angeles | $311 | $158 |
| Modesto | $203 | $95 |
| Riverside | $201 | $95 |
| Sacramento | $215 | $104 |
| San Diego | $179 | $84 |
| San Francisco | $258 | $107 |
| San Jose | $197 | $89 |
| Stockton | $212 | $90 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $100 per month for liability-only coverage and $100 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in San Bernardino?
USAA has the cheapest car insurance in San Bernardino, with monthly liability rates as low as $87. National General and Sun Coast also offer affordable coverage, with respective monthly liability rates of $97 and $101.
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 30/60/15 minimum car insurance, which translates to $30,000 per person and $60,000 per accident for bodily injury liability coverage and $15,000 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.[?]
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