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Table of contents
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 $203. 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.[1] [2]
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.
USAA, National General, and Sun Coast have the cheapest car insurance in San Bernardino.
San Bernardino drivers pay an average of $2,602 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 $141 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.[3]
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 |
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
User Reviews | 4.5 |
---|---|
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. | 8.8 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
Drivers appreciate the quality service but find the rates high and claim processing slow.
Drivers appreciate the quality service but find the rates high and claim processing slow.
For people who don’t drive often, Mile Auto is a solid option for auto insurance coverage. Its pay-per-mile insurance model allows low-mileage drivers to benefit from significant savings of 30% to 40%. But drivers may find the insurer’s lack of advertised discounts and customizable coverage disappointing.
Offers savings specifically for drivers with low mileage
Doesn’t require an in-car telematics device
Doesn’t offer a mobile app
Offers fewer discounts than competitors
Best insurer for a digital experience: Clearcover
User Reviews | 3.7 |
---|---|
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. | 7.1 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $143/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $197/mo |
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
With Clearcover, policyholders can quickly receive a customized quote tailored to their needs. Additionally, Clearcover’s claims process is incredibly efficient, taking an average of only seven minutes to file a claim, and less than a week to settle most claims. Drivers may enjoy Clearcover’s highly rated mobile app, which allows them to manage their policy, file a claim, and get roadside assistance from their phones.
Advertises a quick and efficient claims process
Offers comprehensive mobile account management
No bundling option available since Clearcover only offers auto insurance
Fewer discounts than competitors
Best insurer for full coverage: Travelers
User Reviews | 4.7 |
---|---|
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. | 8.5 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $141/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $323/mo |
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Travelers offers a combination of convenience and dependable coverage. Drivers can customize their policies with multiple coverage options and potentially lower their premiums with Travelers’ various discounts. Travelers is best for drivers who want all the bells and whistles in their car insurance policies.
Offers gap insurance and roadside assistance
Multiple discounts to qualify for
Below-average J.D. Power claims satisfaction rating
Rideshare coverage not available in California
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.
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 $101 per month.
Here are the cheapest liability car insurance companies in San Bernardino.
Insurance Company | Average Monthly Quote |
---|---|
USAA | $87 |
National General | $97 |
Sun Coast | $101 |
Dairyland | $103 |
Root | $110 |
Mercury | $113 |
Allstate | $120 |
Farmers | $124 |
Direct Auto | $126 |
Anchor | $126 |
GEICO | $126 |
Bristol West | $133 |
State Farm | $134 |
Travelers | $141 |
21st Century | $154 |
Nationwide | $189 |
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.
Insurance Company | Average Monthly Quote |
---|---|
USAA | $201 |
Root | $202 |
Anchor | $203 |
Mercury | $213 |
GEICO | $222 |
Sun Coast | $255 |
Allstate | $276 |
National General | $278 |
Farmers | $285 |
State Farm | $307 |
Bristol West | $313 |
Travelers | $323 |
Direct Auto | $334 |
21st Century | $352 |
Dairyland | $360 |
Nationwide | $434 |
Cheapest recent rates near San Bernardino, California
Drivers using Insurify have found quotes as cheap as $54/mo for liability only and $93/mo for full coverage in San Bernardino and other California cities.
*Quotes generated for Insurify users in and around San Bernardino, California within the last 10 days. Last updated on October 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around San Bernardino, California within the last 10 days. Last updated on October 2, 2025. 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:[4]
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:
Comprehensive coverage
Comprehensive insurance pays for damages and losses from non-collision events, like wildfires, theft, vandalism, falling objects, and severe weather.
Collision coverage
Collision insurance pays for repairs from collisions with other vehicles or stationary objects, regardless of fault. It also covers rollover accidents and damage from hitting a pothole.
Glass coverage
This includes coverage for windshield and glass damages, and select policies offer zero-deductible coverage for side windows, rear windows, and glass sunroofs.
Gap coverage
Gap insurance can be beneficial for financed or leased vehicles. Gap insurance covers the difference between your auto loan or lease balance and the insurance settlement in the event of a total loss.