San Bernardino, CA Car Insurance
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By Sandra Cruz | Updated March 9, 2021
How Much Does Car Insurance Cost in San Bernardino, CA?
San Bernardino, CA drivers typically pay $2,126 annually for car insurance. This is a higher rate than the $1,868 average in California. San Bernardino’s rates are also quite a bit more expensive than the $1,539 national average.
Factors that San Bernardino car insurance providers take into account when providing rates include:
- Age
- Driving history
- Marital status
Comparing auto insurance quotes will help you save on your next policy. Our insurance quote comparison tool allows you to comprare rates from the best cheap car insurance companies in your area. Keep reading to learn more!
Jump to San Bernardino car insurance rates by:
San Bernardino Auto Insurance Rate Comparison
| San Bernardino Average (annual) | California Average | National Average |
|---|---|---|
| $2,126 | $1,868 | $1,548 |
Jump to San Bernardino car insurance rates by:
- Provider
- Age group
- Marital status/Gender
- Driving record
- Credit score
San Bernardino Car Insurance Rates by Insurer
Choosing the right car insurance provider is crucial for saving money and finding the right coverage. Listed in the table below are some of the best car insurance companies in San Bernardino in terms of coverage and price. GEICO is at the top of the list of affordable car insurance providers. Be sure to use the information you find here to choose your car insurance carrier and use our quote comparison engine at the top of this page.
It’s also worth noting that rates can change depending on the insurance provider’s individual profile for each driver.
San Bernardino Best Cheap Car Insurance Quotes by Company
| Company | Average Rate (annual) |
|---|---|
| GEICO | $1,567 |
| Mercury | $1,709 |
| AAA | $1,953 |
| Infinity | $1,989 |
| Allstate | $2,182 |
Auto Insurance Rates in San Bernardino by Age
One of the determining factors of car insurance rates in San Bernardino, CA is the age of the driver. Unlike life insurance, older drivers typically receive lower rates than younger drivers. In San Bernardino, CA, drivers in their 60s receive cheaper rates, with an average price of $1,905 a year. Those in their 50s have to pay slightly more, with rates of $1,910 a year.
Teenage drivers are considered by car insurance providers to be higher risk, and as a result receive the highest rates. Drivers in their 20s receive significantly lower rates than teen drivers, with a $4,657 difference between the age brackets.
San Bernardino Car Insurance Rates by Age Group
| Age bracket | Average Annual Rate |
|---|---|
| Teenagers | $7,811 |
| 20s | $3,154 |
| 30s | $2,068 |
| 40s | $1,999 |
| 50s | $1,910 |
| 60s | $1,905 |
| 70s | $2,201 |
San Bernardino Car Insurance Rates by Gender and Marital Status
Other factors that car insurance carriers will consider for determining rates in San Bernardino, CA are gender and marital status. Women are charged higher rates than men, though only slightly, and married drivers pay less than those who are single. Additionally, widows and widowers get lower rates, as well.
The table below provides details on these aspects:
Auto Insurance Rates by Marital Status and Gender in San Bernardino
| Marital Status/Gender | Average Annual Rate |
|---|---|
| Female | $2,128 |
| Male | $2,126 |
| Single | $2,039 |
| Married | $2,039 |
| Divorced | $2,126 |
| Widowed | $2,066 |
San Bernardino Car Insurance Rates in by Driving History
Driving history is another factor that San Bernardino car insurance carriers consider when calculate rates. Specifically, the insurance firms will be looking into infractions such as:
- Speeding tickets
- Reckless driving citations
- DUIs
- DWIs
- At-fault accidents
If any of these reflect poorly on the driver, it could result in much higher rates. Of these, the violations with the largest increases in rates are DUI and reckless driving. Reckless driving citations can increase insurance rates by as much as $3,582, while a DUI can result in a rate raise of $3,480.
Car Insurance Rates in San Bernardino by Driving History
| Citation | Average Annual Rate |
|---|---|
| DWI/DUI | $5,606 |
| Reckless Driving | $5,708 |
| At-Fault Accident (damages < $1000) | $2,134 |
| At-Fault Accident (damages > $2000) | $3,736 |
| Speeding Ticket (over 16-20 mph over speeding limit) | $2,997 |
What Factors Increase San Bernardino Car Insurance Rates?
There are many things that can increase premiums when applying for car insurance in San Bernardino, CA. The most influential aspects have already been discussed. However, the rest are more situational.
These factors can include the driver’s place of residence and neighborhood. Insurance providers investigate regional crime rates, with a particular emphasis on car theft. ZIP codes are also taken into consideration.
In San Bernardino, CA, ZIP codes 92404 to 92410 experience the highest increases in premiums. On average, they go up by 12%, which is $185.
Expensive San Bernardino ZIP codes: 92408, 92403, 92411, 92401, 92410
Cheap San Bernardino ZIP codes: 92404, 92407, 92405, 92415, 92418
How Do Driving Conditions in San Bernardino Impact Car Insurance Rates?
Bad weather can cause things like:
- Wet brakes
- Slick roads
- Decreased visibility
On average, California has 710,000 car accidents per year and weather conditions contribute to that number. There are 44 rainy days in San Bernardino per year. Finally, San Bernardino is an area that is prone to earthquakes and wildfires, which also affects the insurance rates.
San Bernardino Car Insurance: Frequently Asked Questions
Is car insurance mandatory in San Bernardino, CA?
Car insurance is a legal requirement across all states in the United States for car owners.
Can I get car insurance without a car in San Bernardino, CA?
A non-owner car insurance policy is available for those without cars they personally own.
What is the minimum car insurance required in San Bernardino, CA?
Bodily injury liability and property damage liability.
Will my car insurance also cover car rentals?
Personalized car insurance policies typically cover rented cars within the US.
Does my car insurance cover damage from potholes and weather?
Normal wear and tear due to daily driving through damaged roads and harsh weather conditions are not normally covered.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.