San Bernardino, CA Car Insurance

The average monthly cost for car insurance in San Bernardino is about $54. We cover plan rates, policies and more in our guide below.
How do rates in San Bernardino measure up compared to neighboring areas, including California as a whole? What rates can residents of San Bernardino expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in San Bernardino?

Area Average Monthly Car Insurance Premium
San Bernardino$54
CA$56
United States$80

Based on the chart above, you can see that car insurance rates in San Bernardino are in line with rates across the rest of California.

Compared to the rest of the country, auto insurance in San Bernardino is more affordable. It's about $26 cheaper than the national average to insure your vehicle in San Bernardino.

While these are the average monthly costs for auto insurance coverage in San Bernardino, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've done the heavy lifting for you and broken down the average rate for San Bernardino so that you can get a more accurate idea of what your monthly bill might be. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$81
25-34$49
35-44$48
45-54$43
55-64$43
65+$45

It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may climb back up a bit in San Bernardino.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$55

On average, female drivers pay slightly less than male drivers for car insurance. In San Bernardino, however, men actually pay a little bit less than female drivers for car insurance.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$54
Multiple Accidents$57
1 Ticket$76
Multiple Tickets$77

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in San Bernardino with one accident will pay around $76 a month. In addition, drivers with a single ticket on their record can expect to pay around $54 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$57
2-3 Years$52
4-5 Years$52
6-7 Years$61
8-10 Years$60
11-14 Years$55
15 Years or Older$49

The most affordable vehicles to insure in San Bernardino are by and large trucks and vans, which run about $46 per month.

Car owners, on the other hand, typically pay around $55 a month, while SUV drivers can expect to pay about $52 per month for insurance coverage.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. In San Bernardino, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$56
Married$47
Divorced$48
Widowed$71

On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for San Bernardino as well, where the difference is around $9 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$53
Live with parents$74

One other element taken into consideration is your living situation. If you rent your home or apartment, you might see pretty similar car insurance rates in San Bernardino. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in San Bernardino, CA

Recent trends in car insurance for San Bernardino drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

Auto insurance rates in San Bernardino increased from 2016-2017, when they reached a high of $66. This trend leveled out in 2018, when they began to decrease, and have continued on that path through the present, when rates hit a low of $47 a month.

How does San Bernardino compare to neighboring areas?

Why are car insurance rates in San Bernardino different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Off-street parking availability
  • Rate of crime
  • Road Safety (frequency of car accidents)
  • Area laws
  • Number of drivers in the community

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in San Bernardino?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in San Bernardino.

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San Bernardino Insurance FAQs

What factors affect car insurance quotes in San Bernardino?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in San Bernardino different from other neighboring cities?

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in San Bernardino?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to San Bernardino?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to San Bernardino or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes