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Licensed property and casualty insurance agent
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Updated
San Bernardino drivers pay an average of $155 per month for car insurance — slightly higher than the national average. The per capita rate of injuries and deaths from car accidents in San Bernardino County has increased each year since 2013, according to county data.[1] That — alongside California’s new, increased coverage limits — contributes to the city’s higher-than-average rates.
But several companies offer better deals for many San Bernardino drivers, including USAA, Aspire General, and National General. We found that USAA offers the cheapest average rate in the area, at just $89 per month.
In this article, we’ll explore the cheapest insurers for different drivers, how to choose the right company, and tips for saving money.
USAA offers the lowest average rate in San Bernardino, at $89 per month.
Average monthly rates in San Bernardino are $101 per month for liability-only insurance and $209 for full coverage.
California requires drivers to have at least 30/60/15 in liability coverage to legally drive.
Even with high average rates, you can still find a great deal with the right insurer. Several companies offer rates well below the city average — it’s just a matter of finding the right one for you.
To get you started, we’ve analyzed rates from dozens of area insurers to break down the cheapest options in the table below.
Company  | Average Monthly Premium |
|---|---|
| USAA | $89 |
| Aspire General | $92 |
| National General | $99 |
| Sun Coast | $99 |
| GEICO | $101 |
| Mercury | $102 |
| Dairyland | $107 |
| Root | $120 |
| Allstate | $122 |
| Farmers | $125 |
| Direct Auto | $128 |
| Anchor | $129 |
| Bristol West | $135 |
| Kemper Special | $136 |
| State Farm | $136 |
| Travelers | $143 |
| Kemper Rsvp | $152 |
| 21st Century | $156 |
| Nationwide | $192 |
USAA offers the most affordable car insurance in San Bernardino, with an average monthly rate of $89. But just because it’s the best deal for the average driver doesn’t mean it’ll necessarily be the cheapest for you. After all, several personal factors — including your age, driving record, coverage type, and more — influence what you pay.
The best way to find the right fit for your unique profile and needs is to compare personalized quotes from several companies.
With that in mind, the following sections break down the cheapest companies by several of these factors.
Policies in San Bernardino start as low as $89 per month.
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Insurance companies base your personal car insurance rates on factors like age, driving record, and address, which can make it difficult to figure out which insurance company will offer you the best price.
But we’ve done the work for you, breaking down average rates among different coverage types and driver profiles in the table below.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $89 |
| Full coverage | Aspire General | $175 |
| Teens | USAA | $167 |
| Seniors | USAA | $74 |
| Drivers with a speeding ticket | USAA | $116 |
| Drivers with an at-fault accident | USAA | $116 |
| Drivers with a DUI | USAA | $124 |
If you want to know more, we’ve included further breakdowns for each driver type in the subsections below.
Like most states, California’s state-minimum coverage includes bodily injury and property damage liability. The average rate for this type of basic coverage is $101 per month in San Bernardino, according to our research.
Still, most experts — including the Insurance Information Institute (Triple-I) — recommend purchasing more coverage than the state requires.[2]
But if you need bare-bones coverage that only meets California’s minimums, we’ve highlighted the five cheapest companies in the chart below.
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| Aspire General | $92 |
| National General | $99 |
| Sun Coast | $99 |
| GEICO | $101 |
| Mercury | $102 |
| Dairyland | $107 |
| Root | $120 |
| Allstate | $122 |
| Farmers | $125 |
| Direct Auto | $128 |
| Anchor | $129 |
| Bristol West | $135 |
| Kemper Special | $136 |
| State Farm | $136 |
| Travelers | $143 |
| Kemper Rsvp | $152 |
| 21st Century | $156 |
| Nationwide | $192 |
While liability insurance is the cheapest option available, most drivers should consider full coverage, especially if you want added protection for your vehicle. Though it doesn’t have a standard definition, this type of policy typically includes comprehensive and collision coverage, in addition to the state’s minimums.
It’s worth having if you can’t afford to repair or replace your car on your own. And lenders and leasing companies require full coverage if you finance or lease your car.[3]
Our data shows that the average rate for full coverage in San Bernardino is $209 per month, but several companies offer policies for much cheaper.
The chart below shows the five cheapest insurers in San Bernardino for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $175 |
| Root | $198 |
| Mercury | $209 |
| USAA | $209 |
| GEICO | $212 |
| Kemper Special | $240 |
| Kemper Rsvp | $244 |
| Sun Coast | $247 |
| Anchor | $254 |
| Dairyland | $261 |
| National General | $279 |
| Allstate | $287 |
| Farmers | $296 |
| Bristol West | $314 |
| State Farm | $320 |
| Direct Auto | $331 |
| Travelers | $336 |
| 21st Century | $366 |
| Nationwide | $451 |
Teens have some of the most expensive car insurance rates because of their lack of experience and higher likelihood of accidents. In fact, the Centers for Disease Control and Prevention (CDC) found that teen drivers are nearly three times as likely to be involved in a fatal crash as people older than 20.[4]
Nationwide, the average teen pays nearly double that of someone 20 or older, according to our data. In San Bernardino, that ends up being around $287 monthly, on average.
Still, teens and their parents can find a much better deal with the right insurer — you just have to know where to look.
With that in mind, the chart below shows the five cheapest insurers in San Bernardino for teens, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $167 |
| Aspire General | $171 |
| GEICO | $183 |
| Sun Coast | $184 |
| Dairyland | $185 |
| Mercury | $191 |
| National General | $203 |
| Root | $209 |
| Anchor | $230 |
| Bristol West | $244 |
| Allstate | $244 |
| Direct Auto | $249 |
| Farmers | $252 |
| Kemper Special | $252 |
| State Farm | $267 |
| Kemper Rsvp | $282 |
| 21st Century | $284 |
| Travelers | $300 |
| Nationwide | $379 |
On the other end of the spectrum, seniors tend to have the cheapest rates of any age group, largely because they have decades of driving experience and a lower risk of accidents. In fact, seniors tend to drive less and avoid driving at night, reducing their chance of being in an accident, according to the Insurance Institute for Highway Safety (IIHS).[5]
The average rate for seniors in San Bernardino is $139 per month.
The chart below shows the five cheapest insurers in San Bernardino for seniors, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $74 |
| National General | $79 |
| GEICO | $82 |
| Aspire General | $82 |
| Mercury | $83 |
| Sun Coast | $89 |
| Dairyland | $92 |
| Allstate | $101 |
| Farmers | $101 |
| Root | $102 |
| Direct Auto | $105 |
| Anchor | $107 |
| State Farm | $109 |
| Bristol West | $115 |
| Travelers | $116 |
| Kemper Special | $122 |
| 21st Century | $125 |
| Kemper Rsvp | $136 |
| Nationwide | $150 |
A speeding ticket or other moving violation can increase your car insurance rates when your policy renews because it indicates a higher risk of future claims, according to Triple-I.[6] Our research shows that even one speeding ticket increases average rates by 28% nationwide.
In San Bernardino, the average rate for people with a recent ticket is $196 per month, according to our research. But that still shouldn’t stop you from searching for a good deal.
The chart below shows the five cheapest insurers in San Bernardino for people with a recent ticket, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $116 |
| Aspire General | $116 |
| National General | $124 |
| Sun Coast | $125 |
| GEICO | $132 |
| Dairyland | $134 |
| Mercury | $143 |
| Allstate | $160 |
| Root | $161 |
| Direct Auto | $161 |
| Anchor | $161 |
| Farmers | $161 |
| Bristol West | $171 |
| Kemper Special | $172 |
| State Farm | $173 |
| Travelers | $186 |
| Kemper Rsvp | $192 |
| 21st Century | $206 |
| Nationwide | $250 |
Causing an accident can substantially increase your rates because it suggests to insurance companies that you’re more likely to file future claims, which costs them money. In fact, our research shows that a single at-fault accident increases average rates by 33% nationwide.
We found that the average rate for people with a recent accident in San Bernardino is $193 per month. But even if you cause an accident, you can still find a great deal from several area insurance companies.
The chart below shows the five cheapest insurers in San Bernardino for people with a recent accident, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $115 |
| USAA | $116 |
| Sun Coast | $124 |
| GEICO | $128 |
| National General | $128 |
| Dairyland | $138 |
| Mercury | $150 |
| Root | $156 |
| Allstate | $159 |
| Farmers | $162 |
| Anchor | $164 |
| Kemper Special | $170 |
| Direct Auto | $170 |
| Bristol West | $173 |
| State Farm | $175 |
| Travelers | $187 |
| Kemper Rsvp | $190 |
| 21st Century | $206 |
| Nationwide | $251 |
A DUI conviction causes the sharpest increase in car insurance rates of any type of driving incident. Our research shows average rates increase by a staggering 59% nationwide after a DUI conviction. And on top of these higher rates, getting a DUI can make it hard to find coverage at all.[7]
The average rate for people with a DUI conviction in San Bernardino is $201 per month.
Still, some insurers specialize in high-risk drivers, like people with DUIs, which means you’re not necessarily stuck with incredibly high insurance rates.
The chart below shows the five cheapest insurers in San Bernardino for people with DUIs, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $119 |
| USAA | $124 |
| Sun Coast | $128 |
| National General | $138 |
| GEICO | $139 |
| Mercury | $148 |
| Dairyland | $149 |
| Root | $167 |
| Allstate | $170 |
| Farmers | $174 |
| Kemper Special | $176 |
| Direct Auto | $178 |
| Anchor | $181 |
| Bristol West | $188 |
| State Farm | $189 |
| Kemper Rsvp | $197 |
| Travelers | $199 |
| 21st Century | $203 |
| Nationwide | $267 |
Compare personalized quotes from San Bernardino’s top insurers.
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Like nearly every state, California requires all drivers to have car insurance to legally drive. Here’s what you need in San Bernardino:[8]
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $15,000 per accident
Uninsured motorist bodily injury (can reject in writing): $30,000 per person and $60,000 per accident
Uninsured motorist property damage (can reject in writing): $3,500 per accident
You can find more information on these minimum limits and what they provide from the California Department of Insurance.
Most experts recommend buying more than the minimum coverage California requires. After all, if you cause a multi-car accident, the minimum coverage likely won’t be enough to cover everything, leaving you financially responsible for any damage that exceeds your policy’s limits. And with the average new car approaching $50,000,[9] it’s not unlikely even a small accident can surpass $15,000 in damage.
Lenders also require comprehensive and collision coverage if you finance or lease your car.
Here are answers to some commonly asked questions about car insurance in San Bernardino.
USAA offers the cheapest average rate in San Bernardino, at $89 per month, according to Compare.com data.
The average monthly rate for car insurance in San Bernardino is $155, according to Compare.com data. Liability coverage averages $101 per month, while full coverage costs an average of $209 monthly.
Average car insurance rates in San Bernardino are higher than the national average due to factors like increased accident rates and new, higher coverage minimums.[10]
That said, many insurers — like USAA, Aspire General, and National General — offer rates below the city average, according to our data.
Some of the best auto insurers in California include State Farm, CONNECT by American Family, and Auto Club of Southern California (AAA), according to J.D. Power’s 2024 Auto Insurance Study.[11] But the cheapest companies for the average California driver are USAA, National General, and Sun Coast, according to our data.
At the end of the day, the simplest way to find the best company for you is to compare coverage and quotes from these (and other) insurers.
California requires all drivers to have at least 30/60/15 in liability coverage. That means $30,000 per person and $60,000 per accident for injuries, as well as $15,000 for property damage.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
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