San Bernardino sees heavy traffic on Interstates 10 and 215, with congestion made worse by freight trucks moving through the region. The city’s hot, dry climate can lead to pavement damage and tire blowouts, while wildfire season brings smoke and reduced visibility. With these risks, having reliable coverage is key to staying protected on San Bernardino’s roads.
If you’re hitting the road in the Inland Empire, make sure to have proper car insurance coverage in place. We’ve compiled data from Jerry customers in San Bernardino to help drivers determine which companies might offer low rates and understand how your age, driving history and coverage needs might impact the cost of a policy.
Cheapest minimum coverage in San Bernardino
These are the cheapest minimum coverage quotes that drivers in San Bernardino have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $41 | $487 | National General | 46 | December 22, 2024 | San Bernardino, CA | 92407 |
| $42 | $506 | Aspire Advantage | 33 | October 14, 2024 | San Bernardino, CA | 92407 |
| $44 | $533 | Aspire Advantage | 41 | November 24, 2024 | San Bernardino, CA | 92404 |
| $45 | $545 | National General | 62 | November 27, 2024 | San Bernardino, CA | 92404 |
| $46 | $550 | Aspire Advantage | 55 | December 16, 2024 | San Bernardino, CA | 92405 |
| $46 | $553 | National General | 43 | September 18, 2024 | San Bernardino, CA | 92411 |
| $46 | $556 | National General | 33 | December 14, 2024 | San Bernardino, CA | 92407 |
| $47 | $565 | National General | 60 | December 28, 2024 | San Bernardino, CA | 92405 |
| $47 | $566 | National General | 35 | December 30, 2024 | San Bernardino, CA | 92407 |
| $48 | $579 | Aspire Advantage | 39 | December 16, 2023 | San Bernardino, CA | 92404 |
California requires drivers to carry these minimum coverages:
- $30,000 per person for bodily injury liability.
- $60,000 for bodily injury per accident for multiple persons injured.
- $15,000 for property damage liability per accident.
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage in San Bernardino
San Bernardino residents live with the risk of earthquakes, landslides, and wildfires. If a weather-related event damages your vehicle, minimum coverage won’t pay for your repairs, but full coverage could. These are the cheapest quotes for full coverage that drivers in San Bernardino have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $71 | $853 | National General | 54 | January 22, 2025 | San Bernardino, CA | 92405 |
| $71 | $853 | National General | 54 | January 14, 2025 | San Bernardino, CA | 92405 |
| $72 | $864 | Bristol West | 44 | January 31, 2025 | San Bernardino, CA | 92404 |
| $72 | $864 | Bristol West | 44 | February 3, 2025 | San Bernardino, CA | 92404 |
| $80 | $964 | National General | 33 | February 15, 2025 | San Bernardino, CA | 92407 |
| $84 | $1,002 | Aspire Advantage | 31 | January 10, 2024 | San Bernardino, CA | 92407 |
| $86 | $1,038 | Bristol West | 53 | October 31, 2024 | San Bernardino, CA | 92408 |
| $87 | $1,042 | Progressive | 60 | January 30, 2025 | San Bernardino, CA | 92405 |
| $90 | $1,076 | National General | 44 | January 14, 2025 | San Bernardino, CA | 92404 |
| $93 | $1,111 | National General | 27 | January 18, 2025 | San Bernardino, CA | 92407 |
Cheapest car insurance for young drivers in San Bernardino (18-29 years old)
Young drivers typically pay more for auto insurance because they lack experience behind the wheel. These are the cheapest quotes that young drivers in San Bernardino have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $59 | $711 | National General | 27 | No | December 7, 2024 | San Bernardino, CA | 92405 |
| $63 | $752 | Aspire Advantage | 29 | No | September 6, 2024 | San Bernardino, CA | 92410 |
| $63 | $753 | National General | 28 | No | December 15, 2024 | San Bernardino, CA | 92404 |
| $63 | $753 | National General | 28 | No | December 14, 2024 | San Bernardino, CA | 92404 |
| $63 | $754 | National General | 28 | No | November 10, 2024 | San Bernardino, CA | 92407 |
Cheapest car insurance for mature drivers in San Bernardino (30-54 years old)
Drivers between the ages of 30 and 54 typically pay less in premiums than younger drivers, but it’s still wise to shop around regularly to find the cheapest insurance policy. These are the cheapest quotes that mature drivers in San Bernardino have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $487 | National General | 46 | No | December 22, 2024 | San Bernardino, CA | 92407 |
| $42 | $506 | Aspire Advantage | 33 | No | October 14, 2024 | San Bernardino, CA | 92407 |
| $44 | $533 | Aspire Advantage | 41 | No | November 24, 2024 | San Bernardino, CA | 92404 |
| $44 | $533 | Aspire Advantage | 41 | No | October 16, 2024 | San Bernardino, CA | 92404 |
| $46 | $553 | National General | 43 | No | September 18, 2024 | San Bernardino, CA | 92411 |
Cheapest car insurance for older drivers in San Bernardino (55+ years old)
Older drivers in San Bernardino typically pay the least for car insurance, although premiums tend to rise once drivers reach their 70s. These are the cheapest quotes that older drivers in San Bernardino have received through Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $45 | $545 | National General | 62 | November 27, 2024 | San Bernardino, CA | 92404 | No |
| $46 | $550 | Aspire Advantage | 55 | December 16, 2024 | San Bernardino, CA | 92405 | No |
| $47 | $565 | National General | 60 | December 28, 2024 | San Bernardino, CA | 92405 | No |
| $50 | $600 | Progressive | 57 | December 7, 2024 | San Bernardino, CA | 92405 | No |
| $51 | $606 | Aspire Advantage | 56 | February 29, 2024 | San Bernardino, CA | 92407 | No |
Cheapest car insurance for drivers with clean records in San Bernardino
Drivers with no tickets, accidents or insurance claims typically get lower premiums. Here are the cheapest quotes that drivers with clean driving records have received through Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $487 | National General | 46 | December 22, 2024 | No | San Bernardino, CA | 92407 |
| $42 | $506 | Aspire Advantage | 33 | October 14, 2024 | No | San Bernardino, CA | 92407 |
| $44 | $533 | Aspire Advantage | 41 | October 16, 2024 | No | San Bernardino, CA | 92404 |
| $44 | $533 | Aspire Advantage | 41 | November 24, 2024 | No | San Bernardino, CA | 92404 |
| $46 | $550 | Aspire Advantage | 55 | December 16, 2024 | No | San Bernardino, CA | 92405 |
| $46 | $553 | National General | 43 | September 18, 2024 | No | San Bernardino, CA | 92411 |
| $46 | $556 | National General | 33 | December 14, 2024 | No | San Bernardino, CA | 92407 |
| $47 | $566 | National General | 35 | December 30, 2024 | No | San Bernardino, CA | 92407 |
| $48 | $579 | Aspire Advantage | 39 | December 12, 2023 | No | San Bernardino, CA | 92404 |
| $48 | $579 | Aspire Advantage | 39 | December 16, 2023 | No | San Bernardino, CA | 92404 |
Cheapest car insurance for drivers with at-fault accidents in San Bernardino
Drivers in San Bernardino with a recent at-fault accident typically see their rates increase. It’s wise to compare multiple quotes from various insurers to find the cheapest policy. These are the cheapest quotes that drivers in San Bernardino with at-fault accidents have received via Jerry.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With Injury | $55 | $661 | National General | 34 | No | October 23, 2024 | San Bernardino, CA | 92405 |
| At Fault With No Injury | $55 | $664 | National General | 55 | No | March 15, 2025 | San Bernardino, CA | 92411 |
| At Fault With Injury | $60 | $719 | National General | 34 | No | January 9, 2025 | San Bernardino, CA | 92405 |
| At Fault With No Injury | $67 | $802 | National General | 27 | No | May 4, 2024 | San Bernardino, CA | 92404 |
| At Fault With No Injury | $70 | $838 | Aspire Advantage | 32 | No | January 2, 2025 | San Bernardino, CA | 92410 |
Cheapest car insurance for drivers with speeding tickets in San Bernardino
Drivers with speeding tickets typically pay more for auto insurance, so it’s a good idea to get multiple quotes before your policy renews to find the cheapest policy. Here are the cheapest quotes that drivers in San Bernardino have received via Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $49 | $588 | Aspire Advantage | 34 | January 30, 2024 | San Bernardino, CA | 92407 |
| Speeding over 15 | $52 | $622 | National General | 36 | October 26, 2024 | San Bernardino, CA | 92404 |
| Speeding under 15 | $60 | $722 | National General | 61 | November 12, 2024 | San Bernardino, CA | 92405 |
| Speeding under 15 | $70 | $840 | Aspire Advantage | 65 | July 30, 2024 | San Bernardino, CA | 92407 |
| Speeding under 15 | $74 | $891 | Aspire Advantage | 67 | July 29, 2024 | San Bernardino, CA | 92405 |
Cheapest car insurance for drivers with DUIs in San Bernardino
Drivers with DUIs typically pay higher rates for auto insurance and may have fewer options when it comes to choosing a provider. These are the cheapest quotes that drivers in San Bernardino have received via Jerry.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $47 | $565 | National General | 60 | December 28, 2024 | San Bernardino, CA | 92405 |
| DUI | $51 | $617 | National General | 60 | December 14, 2024 | San Bernardino, CA | 92405 |
| DUI | $53 | $636 | National General | 35 | February 28, 2025 | San Bernardino, CA | 92404 |
| DUI | $54 | $649 | National General | 43 | February 26, 2025 | San Bernardino, CA | 92404 |
| DUI | $71 | $854 | Aspire Advantage | 35 | December 5, 2023 | San Bernardino, CA | 92405 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
