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How much is auto insurance in San Bernardino?

The typical San Bernardino driver pays $2,126 per year for auto insurance. That's more expensive than the average across California ($1,868) and more expensive than the national average of $1,548. Our guide to San Bernardino auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

San Bernardino Average (annual) California Average National Average
$2,126 $1,868 $1,548

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San Bernardino car insurance costs by company

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the car insurer that's best for you. For a typical driver, GEICO offers San Bernardino's most affordable premiums. We've listed the best cheap car insurance companies in San Bernardino below. Use this information as a starting point and be sure to collect quotes specific to your unique driving profile.

Company Average Annual Rate
GEICO $1,567
Mercury $1,709
AAA $1,953
Infinity $1,989
Allstate $2,182

Read our guide to finding the best cheap auto insurance.

San Bernardino car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in San Bernardino are drivers in their 60s, who pay an average of $1,905per year. Drivers in their 50s pay marginally higher rates — $1,910 per year.

Teenage drivers pay San Bernardino's most expensive car insurance rates. When drivers hit their 20s in San Bernardino and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in San Bernardino is $4,657, the largest such difference between any two age groups.

Age bracket Average Yearly Rate
Teenagers $7,811
20s $3,154
30s $2,068
40s $1,999
50s $1,910
60s $1,905
70s $2,201

Learn more about the impact of age on car insurance premiums.

San Bernardino auto insurance premiums by gender and marital status

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In San Bernardino, married drivers pay $87 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In San Bernardino, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect auto insurance rates. In San Bernardino, female drivers pay $2 per year more than do male drivers for car insurance.

Marital Status/Gender Average Yearly Rate
Female $2,128
Male $2,126
Single $2,039
Married $2,039
Divorced $2,126
Widowed $2,066

Learn more about the impact gender and marital status have on insurance rates.

San Bernardino auto insurance rates by driving history

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. San Bernardino drivers found guilty of reckless driving face insurance rate increases of $3,582 per year, compared to the citywide average. A DUI violation may lead to a $3,480 increase, while a citation for speeding leads to an $871 rate hike.

Citation Average Yearly Rate
DWI/DUI $5,606
Reckless Driving $5,708
At-fault Accident (damages less than $1,000) $2,134
At-fault Accident (damages > $2,000) $3,736
Speeding Ticket (16-20 mph over speed limit) $2,997

Learn more about the impact of driving violations on car insurance rates.

San Bernardino car insurance premiums by credit tier

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. San Bernardino drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In San Bernardino, improving your credit to "Fair" could help you earn a $0 decrease in annual car insurance rates.

Credit Tier Average Annual Rate
Very Poor $2,126
Fair $2,126
Good $2,126
Very Good $2,126
Exceptional $2,126

Learn more about the relationship between poor credit and car insurance.

What drives up car insurance rates in San Bernardino?

Where you live in San Bernardino affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately San Bernardino is no exception to the rule. From ZIP code 92404 to 92410, premiums rise by 12 percent—that's $185.

Expensive San Bernardino ZIP codes: 92408, 92403, 92411, 92401, 92410

Cheap San Bernardino ZIP codes: 92404, 92407, 92405, 92415, 92418

San Bernardino Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In San Bernardino, you can expect 41 rainy days with an annual rainfall of 16 inches. San Bernardino is also known to experience earthquakes and wildfires.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in San Bernardino

Major Highways
I-10 I-215 SR 330
Public Transit
Omnitrans Bus

San Bernardino Car Insurance Companies Near Me

21st Century Aegis AFI Alliance United Allied Allstate Arrowhead Aspire Advantage Aspire Savings Auto Club (AAA) Bristol West California Automobile Assigned Risk Plan California Capital Carnegie Century National Cinch Clearcover Dairyland Direct Auto Drive Insurance Esurance Farmers FIMC Foremost GEICO Grange Insurance Hippo Infinity Infinity RSVP Infinity Special Kemper Auto Kemper Preferred Liberty Mutual Mapfre Insurance Mendota Mercury MetLife Metromile MileAuto Multi-State National General Nationwide Neptune Flood Insurance Progressive Safe Auto Safeco State Farm Stillwater Sun Coast The General The Hartford Titan Travelers Unitrin USAA Viking Workmen's Auto

Find Local San Bernardino Agents

Gillespie Insurance Services Inc.

222 East Olive Ave Suite 6, Redlands, CA 92373

Susman Insurance Agency

11611 San Vicente Blvd., Suite 650, Los Angeles, CA 90049

HUB International Insurance Services Inc.-PL Only

700 Flower Street, Suite 1520, Los Angeles, CA 90017

Lockton Companies

725 South Figuerora 35th Floor, Los Angeles, CA 90017

Arroyo/Knauf Insurance Services

2900 W Broadway, Los Angeles, CA 90041


The average San Bernardino resident's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 257 cups of coffee or $643 in savings

See How Much You Can Save in San Bernardino

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.