San Bernardino, CA Car Insurance

Residents of San Bernardino pay, on average, about $54 per month for car insurance. For more information refer to our guide below.
Map of cities where drivers can find cheaper car insurance
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What should residents of San Bernardino expect to pay for their car insurance? How does San Bernardino stack up to the rest of the area, or even California as a whole? 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$81

According to the chart above, the rates you'll pay for coverage in San Bernardino are on par with what you would pay anywhere else in California.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in San Bernardino is rather affordable. Auto insurance coverage in San Bernardino is about $27 cheaper than it is for the rest of the United States.

While these are the average car insurance rates for San Bernardino, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

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're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$78
25-34$49
35-44$46
45-54Not Enough Data
55-64$43
65+$45

It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. San Bernardino drivers may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$54

On average, female drivers pay slightly less than male drivers for car insurance. In San Bernardino, however, male and female drivers both pay, on average, $54 for their monthly policy premium.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$72
Multiple Accidents$63
1 Ticket$59
Multiple Tickets$63

One of the biggest factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in San Bernardino with a single accident on their record is about $72 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $59 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$58
2-3 Years$51
4-5 Years$53
6-7 Years$58
8-10 Years$58
11-14 Years$55
15 Years or Older$50

As you can see in the first table above, the cheapest vehicles to insure in San Bernardino are usually trucks and vans, which run about $48 per month.

Car owners, on the other hand, by and large pay around $55 per month, while SUV drivers can expect to pay about $51 a month for auto insurance.

The age of your vehicle can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in San Bernardino are vehicles less than or equal to one-year-old and six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$55
Married$47
Divorced$47
Widowed$69

Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in San Bernardino is about $8 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$53
Live with parents$72

One other element taken into consideration is your living accommodations. The average rates for both homeowners and renters in San Bernardino are around $53 per month.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in San Bernardino, CA

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of car insurance coverage in San Bernardino declined from 2017-2020, before steadying out in 2021. Car insurance rates finished up in 2022, at $52 per month

How does San Bernardino compare to neighboring areas?

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

Car insurance companies look at a variety of factors when they're figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:

  • Road Safety (total number of local car accidents)
  • Regional regulations
  • Crime levels
  • Availability of off-street parking
  • Amount of drivers

Having an awareness of these factors is critical 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?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in San Bernardino.


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San Bernardino Insurance FAQs

What factors affect car insurance quotes in San Bernardino?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

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

Things like local laws, crime rates, 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 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?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to San Bernardino or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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