Best Car Insurance in San Bernardino 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in San Bernardino.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
September 5, 2021Kia Rondo Base9240426National General$107/mo.$67/mo.
June 6, 2021Ford Edge SE9241141ClearCover$120/mo.$89/mo.
September 6, 2021Nissan Altima 2.59240530National General$186/mo.$125/mo.
April 25, 2021Dodge Challenger SXT9240424ClearCover$300/mo.$203/mo.
May 3, 2021Nissan Altima 2.59240428Bristol West$270/mo.$209/mo.
Here’s more information about what impacts the insurance rates in your San Bernardino.

How much does car insurance cost in San Bernardino?

Car insurance in San Bernardino, California costs single-car drivers an average of $2,457 annually, or about $205 per month. Compared to the state annual average of $2,814, auto insurance in San Bernardino is $357 lower higher.
San Bernardino isn’t a major tourist attraction in Southern California, but that certainly doesn’t make its roads any emptier. In fact, San Bernardino’s car insurance rates are among the most expensive when compared to its average household income. So finding cheap car insurance is crucial for its many drivers.
That’s where the car insurance comparison app Jerry comes into play. As an AI-powered, fully licensed broker, Jerry can procure dozens of quotes from a multitude of different companies in minutes, so that drivers can take their pick of the best rates.
Once the choice is made, Jerry even finishes the job by finalizing paperwork, canceling old policies, and making sure that when your policy is up for renewal, it’s still your most affordable option.
Here’s what you need to know about car insurance in San Bernardino.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
San Bernardino$2,538$1,867$2,184$1,002$3,105$2,394
National Average$3,223$2,143$3,086$1,764$3,423$2,486
San BernardinoNational Average
All Coverage Before Jerry
$2,538$3,223
All Coverage After Jerry
$1,867$2,143
Minimum Coverage Before Jerry
$2,184$3,086
Minimum Coverage After Jerry
$1,002$1,764
Full Coverage Before Jerry
$3,105$3,423
Full Coverage After Jerry
$2,394$2,486
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Choosing a carrier in San Bernardino

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
In San Bernardino, major insurance companies like State Farm, Mercury, GEICO, and Allstate are readily available options. But the right provider will depend on factors like your age, driving history, occupation, and location.
It’s important to shop around and compare quotes to make sure you’re getting the best deal on coverage.
Here’s what San Bernardino drivers pay before and after switching with Jerry for some of the most popular insurance providers:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$2,531$711Compare Prices
Progressive$2,111$563Compare Prices
National General$1,683$452Compare Prices
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What kind of car insurance you need in San Bernardino

In San Bernardino, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
California law stipulates that all drivers must have liability insurance in order to legally operate a vehicle. California’s liability requirements can be summarized 15/30/5 required, or more specifically:
Whether you’re shopping for a new car, or you’ve just purchased a used one, you cannot drive off the lot without liability insurance. It’s also required when registering the car in your name.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Liability coverage protects others if you’re at fault in an accident, but that’s just a start. Liability won’t protect you or your vehicle in an accident, so if you’re looking for that sort of protection, you’ll need to add on additional coverage.
Here are some additional coverages suited for San Bernardino drivers:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceMore cars on the road means more possibilities for collisions and subsequent damage to your vehicle. Collision insurance covers the cost of the necessary repairs.
High population densityAccident forgivenessLots of drivers means lots of accidents. Accident forgiveness will prevent your insurance rates from going up after your first at-fault accident.
Uninsured driversUninsured/underinsured motorist coverageIt’s estimated that California has over 4.1 million uninsured drivers, especially in San Bernardino, where the insurance is more expensive. If you’re hit by one of them, that means you may be on the hook for any damages done to your car, or you won’t get a payout from the driver in a timely fashion. This coverage option will take the place of the liability insurance the other driver doesn’t have.
Wildfires, earthquakes, and mudslidesComprehensive insuranceCalifornia has a well-earned reputation for earthquakes thanks to the faults that run through it. Combine that with a drought, and you have many natural disasters waiting to happen. Comprehensive insurance will cover damage done to your car by natural disasters, inclement weather, and more.
Poorly maintained roadsRoadside assistanceSan Bernardino roads are not in great driving condition, and this could easily lead to flat tires or other damage to your car. If you’re caught at the side of the road for any reason, roadside assistance will be there to provide towing services, tire changes, locksmith services, fluid delivery, and more.

What determines your car insurance cost in San Bernardino

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in San Bernardino, you could be paying as much as $27 more per month than an adult driver. These are average rates for Jerry customers in San Bernardino broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,468$577
21-24$2,831$999
25-34$2,450$541
35-44$1,947$439
45-54$4,921$1,577
65+$1,800$88
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in San Bernardino with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,346$601
Improper Passing$4,680$2,256
Suspension$3,808$1,664
Speeding over 15$4,320$860
Speeding under 15$3,162$844
Failure to Obey Traffic Sign$2,105$423
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Where in San Bernardino you live

It may seem like insurance rates in San Bernardino should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within San Bernardino, residents of 92408, 92410 and 92404 will have the most expensive car insurance rates, while people who live in 92405, 92411 and 92407 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across San Bernardino:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
August 16, 202192407Toyota Camry LCA35Infinity$147/mo.$113/mo.
September 20, 202192407Volkswagen Jetta SCA22Progressive$250/mo.$121/mo.
March 29, 202192411Ford Fusion SECA33Travelers$218/mo.$132/mo.
September 20, 202192408Ford Edge TitaniumCA33National General$215/mo.$187/mo.
May 3, 202192404Nissan Altima 2.5CA28Bristol West$270/mo.$209/mo.
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Why is car insurance in San Bernardino so expensive?

A variety of considerations determine baseline car insurance rates in San Bernardino. Insurance companies often consider the following:
There are several factors that contribute to high insurance rates in San Bernardino.

High crime rate

San Bernardino’s crime rate is one of the highest in the nation, and unfortunately, that rate means a much higher perceived risk. Insurance companies consider risks like these when determining rates, so San Bernardino’s crime rate translates into more costly average insurance rates.

High accident rates

San Bernardino may not have Los Angeles-level congestion on the roads, but it still ranks as one of the worst cities in California for traffic. Congestion means you are more likely to get into an accident, and that perceived risk contributes to higher insurance rates.

How can you save money on car insurance in San Bernardino?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

If you want to save money on your car insurance in San Bernardino, discounts are a great way. Almost all providers offer discounts, and you may even be eligible for multiple discounts that can, collectively, make a nice dent in your premium.
Here are some common discounts available with insurance carriers in San Bernardino:
DiscountDescription
Multi-policyBundling insurance products from the same carrier can score you a discounted rate on each. Options include homeowners, renters, or pet insurance.
Accident freeCarriers are keener to reward drivers who avoid accidents. If you manage to avoid an accident for three to five years, you can reap the benefits.
Defensive drivingIf you want to prove to your carrier that you’re a low-risk driver, take and complete an approved defensive driving course and earn a discount.
Hybrid carCalifornia has the most electric and hybrid cars on the road in the country, and if you drive one, you can earn a discount.
Electronic bill paySwap out traditional paper bills for electronic bills and autopay and you can save money (and the planet).
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