Cheapest Auto Insurance in San Bernardino, California (2024)

Mile Auto has the cheapest car insurance in San Bernardino, with monthly liability rates as low as $65.

Jacqueline DeMarco
Jacqueline DeMarco
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  • Insurance, lending, and retirement expert

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

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Updated October 7, 2024

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Cheapest recent rates near San Bernardino, California

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $77/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 7, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 October 7, 2024. 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 7, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 October 7, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

San Bernardino drivers pay a monthly premium of $311 for full-coverage car insurance, which is slightly higher than the California full-coverage average of $296. 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 traffic injuries and fatalities 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
  • Mile Auto, Sun Coast, and Mercury have the cheapest car insurance in San Bernardino.

  • San Bernardino drivers pay an average of $3,736 per year for full-coverage car insurance.

  • The overall average car insurance rate of $231 per month in San Bernardino is higher than the overall national average of $158 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 Auto7.5$112$60Low-mileage drivers
Clearcover6.8$137$67Digital experience
Travelers9.0$399$200Full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 28,000 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
4.1
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.
7.5 /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.
$65/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.
$121/mo
4.1
Best choiceBased on 46 verified guest reviews and ratings
Reviews (26)

Ann

September 24, 2024

Verified Purchase

Poor Review of Mile Auto

I was hoping to save money by switching to Mile Auto. While the first two months did that, the third month my premiums went back to nearly what I had been paying with GEICO. So, I am very displeased.

Carl

September 17, 2024

Verified Purchase

Excellent

Worth every penny, excellent.

Best

September 16, 2024

Verified Purchase

Tolerable Until Better

It's okay, but I expected it to be cheaper.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.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).
NR
Why 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
3.3
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.
6.8 /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.
$94/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.
$179/mo
3.3
A solid optionBased on 44 verified guest reviews and ratings
How drivers feel about Clearcover

Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.

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 helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.

AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (32)

Richard

October 7, 2024

Verified Review

Fair

The cost is unaffordable.

Brent

September 23, 2024

Verified Review

Experience with Clearcover

There is no personal contact. You must use an automated system.

Samuel

September 13, 2024

Verified Review

They'll Drop You Unexpectedly

They cancelled our policy because my wife, who isn't even the primary insured and is 30 years old, has had her license for less than 3 years. She has never had an accident, claim, or citation.
See all Clearcover reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14
A.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).
NR
Why 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. 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

  • 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.
9.0 /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.
$204/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.
$421/mo
4.7
Best choiceBased on 724 verified guest reviews and ratings
How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (372)

Steven

October 3, 2024

Verified Review

Solid Insurance Company for More Than 10 Years

Generally, it's good. The customer service is decent most of the time. The company is large, so it can feel less personal. The price creep is difficult, although it's probably industry-wide.

James G

October 1, 2024

Verified Review

Better Coverage with Allstate

When comparing policies, I found better coverage with Allstate for $800 less.

Sergio

October 1, 2024

Verified Review

Good for Starting

The price is great at the beginning and it's for a full year, which is a plus. However, after the first few years, the price increased significantly. Also, adding a minor or a pickup truck to the policy can be quite expensive.
See all Travelers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.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 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 is not 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 the insurance agents you’re working with about potential discounts that can help you save money.

Find Cheap Car Insurance in San Bernardino

Liability rates start at $65 per month

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Based on 3,806+ reviews
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Shopper Approved
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Cheapest liability-only car insurance in San Bernardino: Mile Auto

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 your state’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 $150 per month.

Here are the cheapest liability car insurance companies in San Bernardino.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Mile Auto$65
Sun Coast$82
Mercury$102
Anchor$109
USAA$126
National General$143
GEICO$168
Direct Auto$169
Allstate$174
Farmers$179
State Farm$194
Travelers$204
21st Century$221
Bristol West$243
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto

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 $311 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Mile Auto$121
Mercury$191
Sun Coast$240
Anchor$254
USAA$260
GEICO$348
National General$348
Allstate$360
Farmers$369
Direct Auto$399
State Farm$401
Travelers$421
Bristol West$454
21st Century$458
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $77/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 7, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 October 7, 2024. 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 7, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 October 7, 2024. 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 15/30/5 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 suspension.

Here’s what California’s 15/30/5 minimum requirements translate to:[4]

Coverage
Minimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$5,000 per accident
Important Information

California liability limits will increase on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[5]

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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for damages and losses from non-collision events, like wildfires, theft, vandalism, falling objects, and severe weather.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for repairs from collisions with other vehicles or objects, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance can be beneficial for financed or leased vehicles. Gap insurance covers the difference between your auto loan balance and the insurance settlement in the event of a total loss.

California’s low-cost auto insurance program

California’s Low Cost Automobile 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 because they suggest a higher probability of future claims.

Insurify’s data below highlights the most affordable insurance companies for drivers with a spotty driving record.

Shop for Car Insurance in San Bernardino

Monthly rates start at $80 for drivers with an incident

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Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

San Bernardino reported 200 speed-related car crashes in 2020.[1] 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 compared to having a clean record.

San Bernardino drivers with a speeding ticket pay a monthly average of $197 for liability coverage and $408 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto$65$84
Sun Coast$82$108
Mercury$102$137
Anchor$109$136
USAA$126$157
National General$143$179
GEICO$168$210
Direct Auto$169$211
Allstate$174$217
Farmers$179$222
State Farm$194$240
Travelers$204$257
21st Century$221$285
Bristol West$243$303
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto

In 2020, San Bernardino reported more than 1,500 deaths and injuries from car accidents in the city.[1] An at-fault accident on your driving record typically leads to an increase in auto insurance premiums. Insurance companies implement this measure to offset potential financial risks associated with future accidents.

Liability policies cost $182 per month in San Bernardino for drivers with an accident, and full-coverage policies cost $378 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
Mile Auto$65$85
Sun Coast$82$100
Mercury$102$135
Anchor$109$145
USAA$126$156
National General$143$178
GEICO$168$208
Direct Auto$169$214
Allstate$174$215
Farmers$179$220
State Farm$194$238
Travelers$204$254
21st Century$221$281
Bristol West$243$298
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto

Driving under the influence is a violation that not only poses great danger but also incurs significantly higher car insurance premiums. Furthermore, drivers with a DUI conviction in California may 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 $212 per month for minimum-coverage policies. Rates for full-coverage policies jump to $440 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
Mile Auto$65$100
Sun Coast$82$116
Mercury$102$142
Anchor$109$149
USAA$126$193
National General$143$219
GEICO$168$258
Direct Auto$169$259
Allstate$174$267
Farmers$179$274
State Farm$194$297
Travelers$204$313
21st Century$221$339
Bristol West$243$372
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto

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-30s. But when senior drivers reach approximately 70 years old, premiums might increase slightly due to factors such as potential health concerns and elevated accident risks.[6]

San Bernardino seniors pay an average of $134 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Full Coverage
Liability Only
Mile Auto$95$51
Mercury$154$82
Anchor$204$87
Sun Coast$214$73
USAA$216$105
National General$279$115
GEICO$289$140
Farmers$300$146
Allstate$301$145
Direct Auto$325$137
State Farm$325$157
Travelers$344$167
21st Century$357$172
Bristol West$378$203
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto

The cost of car insurance for young drivers and 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.

Minimum-coverage policies cost teen drivers in San Bernardino an average of $226 per month, and full-coverage policies cost $468 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 and young adults in San Bernardino.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Full Coverage
Liability Only
Mile Auto$220$118
Mercury$320$171
Sun Coast$361$124
USAA$403$195
Anchor$406$174
GEICO$510$246
Allstate$593$287
Farmers$602$292
State Farm$636$308
National General$644$265
Direct Auto$679$287
Travelers$709$344
Bristol West$714$382
21st Century$717$346
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What Are the Best Cars for Teens to Drive?

What Are the Best Cars for Teens to Drive?

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Is car insurance more expensive in San Bernardino?

The average cost of car insurance in the U.S. is $211 per month for full coverage, and in California, the cost is $296 per month. In San Bernardino, drivers pay slightly more than the national average and the state average — around $311 per month.

Keep in mind that insurance rates can vary significantly based on ZIP code, 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 a significant increase in traffic injuries and fatalities in 2020 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$256$117
Fresno$252$128
Los Angeles$369$203
Modesto$290$133
Riverside$280$141
Sacramento$310$140
San Diego$252$120
San Francisco$338$150
San Jose$276$128
Stockton$303$128
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $150 per month for liability-only coverage and $150 per month for full coverage, according to Insurify data.

  • Which company has the cheapest car insurance in San Bernardino?

    Mile Auto has the cheapest car insurance in San Bernardino, with monthly liability rates as low as $65. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $82 and $102.

    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 15/30/5 minimum car insurance, which translates to $15,000 per person and $30,000 per accident for bodily injury liability coverage and $5,000 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.[7]

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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. California Office of Traffic Safety. "OTS Crash Rankings Results."
  2. U.S. Census Bureau. "QuickFacts San Bernardino city, California."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. California Department of Motor Vehicles. "Insurance Requirements."
  5. California Legislative Information. "SB-1107 Vehicles: insurance."
  6. Insurance Information Institute. "Senior driving safety and insurance tips."
  7. Federal Trade Commission. "Credit-Based Insurance Scores."
Jacqueline DeMarco
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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