120+ more*Quotes generated for Insurify users in and around San Bernardino, California within the last 10 days. Last updated on July 16, 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 July 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Personal finance blogger
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USAA has the lowest average car insurance rates in San Bernardino.
San Bernardino drivers pay about $157 per month for insurance — slightly above the California average of $148.
The San Bernardino metro ranked No. 9 nationally for vehicle theft volume in the first half of 2025, according to the National Insurance Crime Bureau (NICB).
Liability-only car insurance in San Bernardino costs $102 per month, on average, while full coverage averages $212. Rates in San Bernardino are similar to those in nearby cities like Fontana, Rancho Cucamonga, and Rialto, but not as high as in Los Angeles.
San Bernardino drivers pay slightly more than the state average for car insurance. The city’s higher population density — 3,575 people per square mile compared to the state average of 254 — increases crash risk, contributing to higher insurance rates.
The area’s traffic congestion, high vehicle theft volume, and exposure to flooding and wildfires also affect rates. San Bernardino drivers also put more miles on their cars each year, ranking No. 7 in California for annual mileage, according to Insurify data.
The table below compares the average cost of auto insurance in San Bernardino to the California state average.
Car Insurance Costs in San Bernardino vs. California | Average Monthly Quote |
|---|---|
| San Bernardino average | $157 |
| California average | $148 |
USAA is the cheapest car insurance company for liability-only coverage in San Bernardino, with an average monthly rate of $72.
Aspire General, on the other hand, offers the most affordable rates for full-coverage car insurance, at $132 per month.
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California had the eighth-highest uninsured motorist rate in the country in 2023, according to the Insurance Information Institute. Meanwhile, San Bernardino ranked No. 7 out of 62 California cities for hit-and-run collisions.[1]
Nearly 19% of San Bernardino’s residents live in poverty, so many drivers may be unable to afford insurance. Uninsured motorist coverage pays for your medical expenses if an uninsured driver hits you.[2]
Flooding is another concern in San Bernardino. When wildfires scorch the landscape, burn scars form, increasing the risk of flash flooding. In February 2024, heavy rain caused flood damage near Lynwood Basin and Twin Creek Channel, between Waterman Avenue and Interstate 215.
Vehicle theft is a major contributor to San Bernardino’s higher-than-average car insurance costs. The Riverside-San Bernardino-Ontario metro ranked No. 9 in the country for vehicle theft volume in the first half of 2025, according to NICB data.
California also ranked No. 1 in the nation for vehicle theft. In 2024, Gov. Gavin Newsom deployed California Highway Patrol (CHP) units to address stolen vehicles and related criminal activity.
If you don’t have comprehensive coverage, you’d have to pay out of pocket to repair or replace your vehicle if someone vandalizes or steals it.
The cheapest cities for car insurance in California are Lompoc and Hanford. The most expensive are Glendale and Beverly Hills.
San Bernardino’s rates are slightly above the state average but not nearly as high as in Los Angeles. L.A. has a much higher population density and ranked No. 1 in the country for vehicle thefts by volume in the first half of 2025, according to the NICB.
The following table shows average monthly car insurance quotes in various California cities, including San Bernardino.
City | Average Monthly Quote |
|---|---|
| Anaheim | $163 |
| Bakersfield | $132 |
| Berkeley | $153 |
| Chula Vista | $128 |
| Fontana | $160 |
| Elk Grove | $143 |
| Fremont | $138 |
| Fresno | $131 |
| Hayward | $153 |
| Glendale | $268 |
| Long Beach | $171 |
| Los Angeles | $225 |
| Modesto | $143 |
| Moreno Valley | $147 |
| Oakland | $170 |
| Oxnard | $138 |
| Riverside | $150 |
| Roseville | $140 |
| Sacramento | $158 |
| San Bernardino | $157 |
| San Diego | $130 |
| San Francisco | $171 |
| San Jose | $136 |
| Santa Ana | $154 |
| Santa Barbara | $120 |
| Santa Maria | $114 |
| Stockton | $146 |
| Temecula | $130 |
| Victorville | $161 |
Three major highways serve San Bernardino: I-10, I-215, and state Route 210. More than 502,000 county residents commute outside the county for work, with most heading toward Los Angeles, Riverside, and Orange counties.
As a result, the city’s average commute time of nearly 30 minutes is just above the state average, which can translate to higher insurance rates.
In addition to local commuter traffic, I-15 north of San Bernardino experiences heavy congestion from tourist traffic heading to and from Nevada, according to the California Department of Transportation (Caltrans). The San Bernardino Mountains also draw visitors year-round.
During the winter months, when drivers travel north on I-15 over Cajon Pass, Caltrans may require chains.[3]
Meanwhile, the San Bernardino Police Department conducts regular driving under the influence (DUI) checkpoints, with locations based on impaired-driving crash data. A DUI in California remains on your record for 10 years and can raise your insurance premiums by 37% in San Bernardino.
The average cost of car insurance in California already exceeds the national average. But rates in San Bernardino are slightly higher than the state average.
Population density, traffic congestion, and vehicle theft rates contribute to San Bernardino’s higher car insurance costs. The city is also at risk of wildfires from the San Bernardino National Forest, as well as flooding from burn scars across the landscape.
Insurers consider all these risks when setting rates.
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Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
You must carry liability insurance to meet California car insurance requirements. State law requires $30,000 per person and $60,000 per accident in bodily injury liability, and $15,000 in property damage liability.[4]
The state may suspend your license if you’re in a collision and don’t have insurance.
San Bernardino liability insurance averages $102 per month — slightly higher than the California average. Although state-minimum coverage is more affordable, it doesn’t offer as much protection as full coverage.
Below are quotes for cheap liability car insurance in San Bernardino, with the best rates from USAA.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $72 |
| Aspire General | $75 |
| GEICO | $77 |
| Sun Coast | $78 |
| Mercury | $80 |
| National General | $80 |
| Dairyland | $88 |
| Root | $95 |
| Direct Auto | $96 |
| Allstate | $98 |
| Farmers | $100 |
| Anchor | $105 |
| State Farm | $109 |
| Bristol West | $110 |
| Kemper Special | $114 |
| Travelers | $114 |
| 21st Century | $125 |
| Kemper Rsvp | $125 |
| Chubb | $194 |
The San Bernardino National Forest is extremely prone to wildfires.[5] The area’s arid climate, dry vegetation, and seasonal Santa Ana winds create conditions that encourage fires to spread quickly.
A recent example is the 2024 Line Fire, which burned nearly 44,000 acres in San Bernardino County.[6] Comprehensive coverage protects your vehicle against fire and smoke damage.
San Bernardino drivers pay an average of $212 per month for full coverage, higher than the average premium in many other California cities. Aspire General has the lowest average full-coverage rates.
The table below lists companies with the cheapest full-coverage car insurance in San Bernardino.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $132 |
| Root | $147 |
| Mercury | $154 |
| GEICO | $157 |
| USAA | $159 |
| Kemper Special | $175 |
| Kemper Rsvp | $178 |
| Sun Coast | $184 |
| Anchor | $197 |
| Dairyland | $209 |
| National General | $214 |
| Allstate | $219 |
| Farmers | $225 |
| Bristol West | $235 |
| Direct Auto | $238 |
| State Farm | $245 |
| Travelers | $256 |
| 21st Century | $279 |
| Chubb | $435 |
*Quotes generated for Insurify users in and around San Bernardino, California within the last 10 days. Last updated on July 16, 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 July 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
About 2.4% of drivers in San Bernardino have a ticket on their record, according to Insurify data. A speeding ticket can add one point to your driver’s license in California.[7]
If a police officer catches you driving more than 100 mph, you may also receive a fine of up to $500. Traffic convictions typically stay on your driving record for three years, though some remain longer.
Liability-only insurance after a speeding ticket in San Bernardino costs $130 per month on average, but you may find lower rates with USAA. Below are quotes for cheap liability-only car insurance in San Bernardino for drivers with a ticket on their record.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $93 |
| Aspire General | $95 |
| Sun Coast | $99 |
| National General | $101 |
| GEICO | $101 |
| Dairyland | $110 |
| Mercury | $111 |
| Root | $114 |
| Direct Auto | $122 |
| Allstate | $128 |
| Farmers | $129 |
| Anchor | $131 |
| State Farm | $139 |
| Bristol West | $140 |
| Kemper Special | $145 |
| Travelers | $149 |
| Kemper Rsvp | $159 |
| 21st Century | $166 |
| Chubb | $249 |
Vehicle collisions killed or injured 14,615 people in San Bernardino County in 2024.[8] California is an at-fault state, which means your liability coverage pays for the damage you or someone driving your car causes in a crash.
Just over 4% of San Bernardino drivers have an accident on their record, Insurify data shows. Liability-only auto insurance in San Bernardino averages $130 per month after an accident.
You can compare cheap San Bernardino car insurance rates for drivers with an at-fault accident below. USAA often has the lowest rates.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $95 |
| Aspire General | $96 |
| Sun Coast | $100 |
| GEICO | $100 |
| National General | $105 |
| Dairyland | $114 |
| Root | $117 |
| Mercury | $118 |
| Direct Auto | $129 |
| Allstate | $130 |
| Farmers | $132 |
| Anchor | $134 |
| State Farm | $142 |
| Bristol West | $143 |
| Kemper Special | $146 |
| Travelers | $152 |
| Kemper Rsvp | $160 |
| 21st Century | $168 |
| Chubb | $255 |
Less than 1% of San Bernardino drivers have a DUI conviction, according to Insurify data. A first DUI can cost an average of $13,500 in fines and penalties.
The state can also suspend your license and require you to complete a DUI program to have it reinstated. You’ll also need to file an SR-22 for three years to prove you have insurance.
San Bernardino liability-only car insurance averages $138 per month after a DUI, as insurers view you as a high-risk driver. But you may find low rates with USAA.
The table below shows quotes for the most affordable car insurance in San Bernardino after a DUI.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $101 |
| Aspire General | $101 |
| Sun Coast | $105 |
| GEICO | $107 |
| National General | $112 |
| Mercury | $119 |
| Dairyland | $123 |
| Root | $133 |
| Direct Auto | $134 |
| Allstate | $137 |
| Farmers | $140 |
| Anchor | $147 |
| State Farm | $152 |
| Bristol West | $154 |
| Kemper Special | $154 |
| Travelers | $159 |
| 21st Century | $168 |
| Kemper Rsvp | $169 |
| Chubb | $271 |
California teens with a provisional license can’t drive between 11 p.m. and 5 a.m. during the first 12 months they’re licensed. They also can’t carry passengers younger than 20 without a licensed driver at least 25 years old in the vehicle.
The average monthly cost of liability coverage for teen drivers is $184, with USAA offering the lowest average rates.
The following table shows the companies with the cheapest car insurance in San Bernardino for teen drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $132 |
| Aspire General | $135 |
| GEICO | $138 |
| Sun Coast | $140 |
| Root | $142 |
| Mercury | $145 |
| Dairyland | $152 |
| National General | $158 |
| Direct Auto | $186 |
| Allstate | $191 |
| Bristol West | $193 |
| Farmers | $198 |
| Anchor | $200 |
| Kemper Special | $205 |
| State Farm | $210 |
| 21st Century | $222 |
| Kemper Rsvp | $225 |
| Travelers | $234 |
| Chubb | $396 |
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Senior residents make up a significantly smaller share of the San Bernardino population than the state average. That said, San Bernardino County expects the number of residents age 65 and older to grow from 13% in 2024 to 19% by 2045.[9]
San Bernardino senior drivers pay an average of $93 per month for liability-only auto insurance. They may find the best rates from USAA.
The data below compares affordable car insurance rates for senior drivers in San Bernardino.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $60 |
| GEICO | $63 |
| National General | $65 |
| Mercury | $65 |
| Aspire General | $68 |
| Sun Coast | $71 |
| Dairyland | $77 |
| Direct Auto | $81 |
| Farmers | $81 |
| Allstate | $82 |
| Anchor | $87 |
| State Farm | $88 |
| Root | $89 |
| Travelers | $94 |
| Bristol West | $94 |
| 21st Century | $101 |
| Kemper Special | $104 |
| Kemper Rsvp | $114 |
| Chubb | $151 |
The California Department of Insurance oversees more than 1,600 insurance companies in the state, meaning San Bernardino drivers have plenty of options to choose from. The answers to frequently asked questions below can help you compare insurance products and find the right coverage.
San Bernardino drivers pay an average of $102 per month for liability coverage. Full coverage, which typically includes comprehensive and collision coverage, averages $212.
USAA has the lowest average auto insurance rates in San Bernardino. Check with an insurance agency or online insurance-comparison site to compare coverage options and insurance discounts, such as bundling auto with homeowners insurance, to find the right coverage for you.
The best insurer for you depends on your budget, insurance needs, and whether you prefer working with an insurance agent. That said, USAA, Aspire General, and GEICO are among the best car insurance companies in San Bernardino for affordable liability coverage.
San Bernardino’s population density, commute times, and exposure to wildfires and flooding all affect what you pay for car insurance. Your driving history, age, vehicle, and the type of insurance you choose also influence your rates.
Yes. You can lower your auto insurance coverage in San Bernardino as long as it still meets California’s state minimum requirements. To further lower costs, look for discounts, such as bundling your auto insurance policy with home insurance or renters insurance.
Insurify data scientists analyzed more than 250 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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.
