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Daniel is an editor on the MarketWatch Guides team and has written for automotive news sites and marketing corporations in the U. S. and Canada. He is based in the US, UK and Australia, specialising in topics similar to car financing and maintenance. Daniel is an authority on the MarketWatch Guides team on auto insurance and loans. , warranty options, car installations, and more.
Rashawn Mitchner is a MarketWatch Guides team editor with over 10 years of experience covering personal finance and insurance topics.
Auto insurance in San Bernardino, California, which covers the minimum policy requirements, costs about 3% less than the national average. Although the costs are lower, there is still room for comparison shopping and more affordable insurance providers.
The MarketWatch Guides team ranked the most productive auto insurance corporations based on a variety of factors that add costs. In this article, we’ll show you how to find affordable fares in San Bernardino based on your driver profile.
Key takeaways:
Answer a few simple questions to save money on your policy
Learn more about our methodology and editorial guidelines.
The most productive auto insurance features in San Bernardino are Geico, USAA, Mercury, Kemper, and AAA. All of these corporations have below average rates for the city’s minimum and comprehensive policy. In addition, they are known for providing service to visitors and high quality policy.
Keep reading: Cheap Car Insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with a clean driving history.
Our data shows that the average minimum auto insurance policy cost in San Bernardino is $50 per month or $604 per year. That’s about 3% less than the national average of $52 per month or $627 per year. , comprehensive insurance costs $199 per month or $2,383 per year on average, which is about 19% more than the national average of $167 per month or $2,008 per year for a comprehensive policy.
Geico offers the cheapest liability insurance with average rates of $29 per month or $349 per year. USAA is the second-cheapest option in San Bernardino with average rates of $37 per month or $439 per year.
The liability policy is the minimum policy required through the State of California. Under California law, all drivers must meet or exceed the following minimum requirements:
While many states require uninsured motorist coverage for all drivers, California doesn’t. This increases the accessibility of cheap auto insurance services, but could leave motorists vulnerable to steep repair costs. To add greater peace of mind on the road, it may be worth picking up extras like uninsured motorist coverage and roadside assistance.
A full policy auto insurance policy can be expensive in San Bernardino. The comprehensive policy includes liability, as well as a comprehensive policy and a collision policy, which prevent damage to your vehicle in a variety of situations. Mercury is the cheapest comprehensive policy option with average rates of $143 per month or $1,721 per year.
Since there are several factors that influence car insurance rates, the company that offers the lowest value for one reason is probably not affordable for another. In this section, we’ll look at the costs of auto insurance in San Bernardino, based on the driver’s age and driving record. Since San Bernardino has zip codes with varying average prices for car insurance, we’ll explore those as well.
A few simple ways to lower your car insurance costs are by increasing your deductible and by getting quotes from insurance agencies spread across the map in Greater Los Angeles. On top of that, it’s a smart move to bundle auto coverage with home insurance, renters insurance, life insurance and business insurance.
Teen car insurance policy is more expensive because they are more likely to be injured or break traffic rules. Our data shows that 16-year-olds pay about $157 per month or $1,886 per year for car insurance in San Bernardino. .
Car insurance becomes less expensive as other people become successful in their twenties and holds up as they get older. Check out the average minimum auto insurance policy prices in San Bernardino based on other age groups in the table below.
Teen car insurance is expensive, however, some insurers tend to be more affordable than others. Our data shows that Geico is the cheapest auto insurance company for teen drivers with minimum policy rates as low as $100 per month or $1,201 per year. . USAA, Mercury and Progressive will also offer affordable premiums for San Bernardino teens.
People who’ve received speeding tickets, been in car accidents or had DUIs can anticipate paying more for car insurance. On average, speeding can increase your rates by 42%, an at-fault accident by 75%, and a DUI by 171%.
Our team found that, on average, Geico is the most sensible choice among San Bernardino drivers with violations on their records. The table below shows the average rates through the company for drivers who won a ticket for a hurry, an accident, or a DUI.
Keep reading: Insurance Rates for High-Risk Drivers
Let’s take a closer look at the main points of high-risk driver fees. According to our data, USAA offers the most reasonable car insurance rates to drivers who have a high price ticket on record: $45 per month or $535 per year. . Geico is largely second with an average monthly fee of $47, while Mercury, AAA, and Kemconsistent feature the top five most sensible features for reasonable car insurance in San Bernardino.
If you’re found responsible for an accident while driving, expect rates to increase more than if you were caught speeding. USAA and AAA are the cheapest options here with average rates of about $59 per month and $65 per month, respectively. You’ll see that some auto insurance companies charge significantly more for this amount of coverage after an accident.
Getting a DUI is a serious offense that can cause car insurance rates in San Bernardino to increase throughout the year. Mercury is less expensive than any other company and offers average rates of $71 per month or $851 per year to drivers with a DUI. . Geico, Kemconsistent, and Progressive are also smart features with rates under $101 per month on average.
The rate of insurance claims differs across each area of the city, impacting how much you’ll pay for insurance. Below, you can see that certain ZIP codes in San Bernardino are up to 1.5% cheaper or more expensive than the citywide average.
The auto policy in San Bernardino is 4% more consistent than California auto insurance, but 3% less than the national average. Geico offers the cheapest minimum policy in town, around $29 per month, while Mercury offers very comprehensive policy rates of $143 per month. month.
Compare free quotes to find the company that meets your California car insurance needs at the best rate. You can compare insurance products or get a quote from an English- or Spanish-speaking auto insurance agent in the region.
Here are some questions about the cheapest car insurance in San Bernardino, California:
Our data shows that a minimum-coverage auto insurance policy in San Bernardino costs $50 per month or $604 per year on average. If you want a full-coverage policy, you’ll pay an average of $199 per month or $2,383 per year.
Fully insured car insurance in San Bernardino is about 19% more expensive than the U. S. average. Minimum policy insurance is 3% less expensive than the national average. Prices in San Bernardino are lower than Los Angeles, higher than San Diego, and roughly comparable to Riverside and Ontario.
To find lower rates on auto coverage in San Bernardino, it’s best to compare instant quotes from various insurance agencies, increase your deductible and bundle it with renters or homeowners insurance. While improving your credit score is beneficial in other ways, it won’t reduce your premiums in California due to laws banning insurers from using it.
*Cost knowledge comes from Quadrant Information Services and is accurate at the time of publication.
Daniel is an editor on the MarketWatch Guides team and has written for automotive news sites and marketing corporations in the U. S. and Canada. He is based in the US, UK and Australia, specializing in automotive finance and services issues. Daniel is a MarketWatch Guides team authority on auto insurance, loans, collateral options, auto installations, and more.
Rashawn Mitchner is a senior editor on the MarketWatch Guides team with more than 10 years of experience in finance and private insurance.
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