Cheapest Auto Insurance in San Bernardino, California (2026)
USAA has the cheapest car insurance in San Bernardino, with monthly liability rates as low as $89.
Secure. Free. Easy-to-use.
Excellent
)
Written byJacqueline DeMarco
)
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
){kind=small}
){kind=small}
)
Edited byCourtney Mikulski
)
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
San Bernardino drivers pay a monthly premium of $213 for full-coverage car insurance, which is slightly higher than the California full-coverage average of $195. 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.
Quick Facts
USAA, National General, and Sun Coast have the cheapest car insurance in San Bernardino.
San Bernardino drivers pay an average of $2,554 per year for full-coverage car insurance.
The overall average car insurance rate of $156 per month in San Bernardino is higher than the overall national average of $137 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 | $303 | $135 | 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
| 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. | $70/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. | $117/mo |
4.5
Best choiceBased on 185 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (63)
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 2025
You won't know until you try them. They are good.
Cheryl
Verified Purchase
We are so glad we chose MileAuto
Reviewed in Ohio on December 2025
Really meets our needs now that we have retired and drive very little. Good service with nice people. It's easy to do our monthly check-in, and they always send the statement several days before they draft the payment. Recommend them highly.
Jonathan
Verified Purchase
Great
Reviewed in Georgia on December 2025
Great insurance
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
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.
Pros
Offers savings specifically for drivers with low mileage
Doesn’t require an in-car telematics device
Cons
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. | $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. | $195/mo |
3.7
A solid optionBased on 61 verified guest reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (39)
Daysy
Verified Purchase
Price is cheap but poor claim experience
Reviewed on November 2025
Worst claim handling, no communication whatsoever.
Jerry
Verified Review
They helped me with some relief in getting reliable car insurance coverage
Reviewed in Missouri on June 2025
Very good at helping get some insurance.
Mohammad
Verified Review
Price Increase for My Two Old Cars
Reviewed in Georgia on April 2025
The price for insuring my two old cars increased by 100%.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.36A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
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.
Pros
Advertises a quick and efficient claims process
Offers comprehensive mobile account management
Cons
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. | $144/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. | $325/mo |
4.7
Best choiceBased on 1,058 verified guest reviews and ratings
How drivers feel about Travelers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (526)
Scott
Verified Review
Generally pretty good.
Reviewed in Texas on January 2026
Generally a good experience, but they did nothing to defend a claim for an incident where my car got a small scratch on the fender while the other driver's car was totaled over scratched doors and the driver claimed medical expenses. It sure looked like insurance fraud to me.
Mark
Verified Review
Average
Reviewed in Massachusetts on January 2026
Good coverage but expensive.
David
Verified Review
Travelers is a Very Good Insurance Company
Reviewed in Florida on January 2026
Travelers was fine, but they wouldn't give me any breaks on prices.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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.
Pros
Offers gap insurance and roadside assistance
Multiple discounts to qualify for
Cons
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.
Find Cheap Car Insurance in San Bernardino
Liability rates start at $89 per month
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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: Tuesday, January 6 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $89 |
| National General | $96 |
| Sun Coast | $99 |
| Dairyland | $101 |
| Mercury | $109 |
| Root | $114 |
| GEICO | $118 |
| Allstate | $124 |
| Anchor | $127 |
| Farmers | $127 |
| Direct Auto | $127 |
| Bristol West | $129 |
| State Farm | $138 |
| Travelers | $144 |
| 21st Century | $157 |
| Nationwide | $194 |
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: Root
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 $213 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: Tuesday, January 6 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Root | $199 |
| USAA | $201 |
| Mercury | $207 |
| Anchor | $215 |
| GEICO | $223 |
| Sun Coast | $247 |
| Dairyland | $260 |
| Allstate | $278 |
| National General | $281 |
| Farmers | $286 |
| Bristol West | $302 |
| State Farm | $310 |
| Travelers | $325 |
| Direct Auto | $335 |
| 21st Century | $354 |
| Nationwide | $437 |
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 recent rates near San Bernardino, California
Recent San Bernardino, California car insurance prices for Scion, Chrysler, Nissan , and more.
*Quotes generated for Insurify users in and around San Bernardino, California within the last 10 days. Last updated on January 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 6, 2026. 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 January 6, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 6, 2026. 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.
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.
Shop for Car Insurance in San Bernardino
Monthly rates start at $109 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
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 $124 for liability coverage and $265 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: Tuesday, January 6 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $89 | $114 |
| National General | $96 | $119 |
| Sun Coast | $99 | $123 |
| Dairyland | $101 | $125 |
| Mercury | $109 | $152 |
| Root | $114 | $151 |
| GEICO | $118 | $153 |
| Allstate | $124 | $160 |
| Anchor | $127 | $157 |
| Farmers | $127 | $161 |
| Direct Auto | $127 | $159 |
| Bristol West | $129 | $161 |
| State Farm | $138 | $174 |
| Travelers | $144 | $185 |
| 21st Century | $157 | $205 |
| Nationwide | $194 | $250 |
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 $122 per month in San Bernardino for drivers with an accident, and full-coverage policies cost $259 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: Tuesday, January 6 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $89 | $114 |
| National General | $96 | $122 |
| Sun Coast | $99 | $121 |
| Dairyland | $101 | $127 |
| Mercury | $109 | $158 |
| Root | $114 | $145 |
| GEICO | $118 | $146 |
| Allstate | $124 | $158 |
| Anchor | $127 | $159 |
| Farmers | $127 | $162 |
| Direct Auto | $127 | $167 |
| Bristol West | $129 | $162 |
| State Farm | $138 | $174 |
| Travelers | $144 | $185 |
| 21st Century | $157 | $203 |
| Nationwide | $194 | $249 |
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 $126 per month for minimum-coverage policies. Rates for full-coverage policies jump to $269 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: Tuesday, January 6 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $89 | $122 |
| National General | $96 | $131 |
| Sun Coast | $99 | $125 |
| Dairyland | $101 | $138 |
| Mercury | $109 | $156 |
| Root | $114 | $157 |
| GEICO | $118 | $160 |
| Allstate | $124 | $170 |
| Anchor | $127 | $174 |
| Farmers | $127 | $174 |
| Direct Auto | $127 | $174 |
| Bristol West | $129 | $176 |
| State Farm | $138 | $189 |
| Travelers | $144 | $197 |
| 21st Century | $157 | $215 |
| Nationwide | $194 | $265 |
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.[5]
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: Tuesday, January 6 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $167 | $74 |
| Mercury | $170 | $89 |
| Root | $170 | $97 |
| Anchor | $180 | $106 |
| GEICO | $181 | $96 |
| Sun Coast | $221 | $89 |
| Dairyland | $225 | $87 |
| National General | $226 | $77 |
| Allstate | $231 | $103 |
| Farmers | $232 | $103 |
| State Farm | $249 | $111 |
| Bristol West | $256 | $109 |
| Travelers | $265 | $117 |
| Direct Auto | $275 | $104 |
| 21st Century | $284 | $126 |
| Nationwide | $342 | $152 |
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 $186 per month, and full-coverage policies cost $397 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: Tuesday, January 6 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Root | $350 | $201 |
| USAA | $377 | $167 |
| Anchor | $382 | $225 |
| Mercury | $388 | $205 |
| GEICO | $407 | $216 |
| Dairyland | $442 | $172 |
| Sun Coast | $461 | $185 |
| Bristol West | $546 | $233 |
| Allstate | $557 | $248 |
| Farmers | $573 | $254 |
| National General | $575 | $196 |
| State Farm | $607 | $270 |
| 21st Century | $649 | $288 |
| Direct Auto | $660 | $250 |
| Travelers | $679 | $301 |
| Nationwide | $865 | $384 |
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.
)
Best Cars for Teen Drivers
Find Car Insurance in San Bernardino
Insurify partners with 120+ top insurers to provide free car insurance quotes
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Is car insurance more expensive in San Bernardino?
The average cost of car insurance in the U.S. is $175 per month for full coverage, and in California, the cost is $195 per month. In San Bernardino, drivers pay slightly more than the national average and the state average — around $213 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 | $181 | $83 |
| Fresno | $177 | $84 |
| Los Angeles | $297 | $154 |
| Modesto | $193 | $94 |
| Riverside | $199 | $96 |
| Sacramento | $208 | $103 |
| San Diego | $173 | $84 |
| San Francisco | $248 | $104 |
| San Jose | $189 | $88 |
| Stockton | $200 | $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 $89. National General and Sun Coast also offer affordable coverage, with respective monthly liability rates of $96 and $99.
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.[6]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Cheap Car Insurance Quotes in California Starting at $83
January 6, 2026
)
Register and Insure a Salvage Title Vehicle in CA
January 6, 2026
)
Why Is Car Insurance So Expensive in California?
July 8, 2025
)
Uninsured Motorist Coverage in California
September 18, 2025
)
Non-Owner Car Insurance in California
January 6, 2026
)
Best Car Insurance for New Drivers in California
January 6, 2026
)
Cheapest Liability Car Insurance in California
January 6, 2026
)
Cheapest Full-Coverage Car Insurance in California
January 6, 2026
)
How Much Is Car Insurance for a 17-Year-Old in California?
January 6, 2026
)
How Much Is Car Insurance for a 16-Year-Old in California?
January 6, 2026
)
Best Car Insurance in California
January 6, 2026
)
Car Insurance Discounts for California Drivers
January 6, 2026
Temporary Car Insurance in California
January 6, 2026
)
Cheap SR-22 Insurance in California
January 6, 2026
)
Rideshare Insurance in California
January 6, 2026
Car Insurance Requirements in California
January 6, 2026
)
)
)
)
)
Cheap Car Insurance in Anaheim, CA, Starting at $89
January 6, 2026
)
Best Cheap Car Insurance in Victorville, CA, From $90
January 6, 2026
)
Cheap Car Insurance in Temecula, CA, Starting at $80
January 6, 2026
)
Best Cheap Car Insurance in Stockton, CA, From $83
January 6, 2026
)
Cheapest Car Insurance Quotes in Santa Maria, CA
January 6, 2026
)
Best Cheap Car Insurance in Santa Ana, CA, From $85
January 6, 2026
)
Cheap Car Insurance in Santa Barbara, CA, Starting at $71
January 6, 2026
)
Best Cheap Car Insurance in San Jose, CA, From $80
January 6, 2026
Cheap Car Insurance in San Francisco, CA, From $101
January 6, 2026
)
Cheap Car Insurance in San Diego, CA, Starting at $73
January 6, 2026
)
Cheap Car Insurance in Sacramento, CA, Starting at $89
January 6, 2026
)
Best Cheap Car Insurance in Riverside, CA, From $84
January 6, 2026
)
Best Cheap Car Insurance in Oxnard, CA, From $78
January 6, 2026
)
Best Cheap Car Insurance in Oakland, CA, From $95
January 6, 2026
)
Cheap Car Insurance in Moreno Valley, CA, Starting at $83
January 6, 2026
)
Cheap Car Insurance in Modesto, CA, Starting at $82
January 6, 2026
)
Cheap Car Insurance in Los Angeles, California, From $129
January 6, 2026
)
Best Cheap Car Insurance in Long Beach, CA, From $98
January 6, 2026
)
Best Cheap Car Insurance in Glendale, CA, From $159
January 6, 2026
)
Best Cheap Car Insurance in Fremont, CA, From $82
January 6, 2026
)
Best Cheap Car Insurance in Fresno, CA, From $75
January 6, 2026
)
Best Cheap Car Insurance in Elk Grove, CA, From $81
January 6, 2026
)
Cheap Car Insurance in Chula Vista, CA, Starting at $71
January 6, 2026
)
Cheap Car Insurance in Berkeley, CA, Starting at $90
January 6, 2026
)
Sources
- California Office of Traffic Safety. "OTS Crash Rankings Results."
- U.S. Census Bureau. "QuickFacts San Bernardino city, California."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- California Department of Motor Vehicles. "Insurance Requirements."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Federal Trade Commission. "Credit-Based Insurance Scores."
)
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.