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 AUTO INSURANCE PREMIUMS
|San Bernardino Average (annual)||California Average||National Average|
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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 insurer that best fits your coverage needs. 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 compare quotes specific to your unique driving profile.
SAN BERNARDINO AUTO INSURANCE RATES BY COMPANY
|Company||Average Annual Rate|
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.
SAN BERNARDINO AUTO INSURANCE COSTS BY AGE
|Age bracket||Average Yearly Rate|
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.
SAN BERNARDINO CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
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.
SAN BERNARDINO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Citation||Average Yearly Rate|
|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|
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.
SAN BERNARDINO CAR INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Tier||Average Annual Rate|
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
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Find Local San Bernardino Agents
Susman Insurance Agency
11611 San Vicente Blvd., Suite 650, Los Angeles, CA 90049
725 South Figuerora 35th Floor, Los Angeles, CA 90017
Arroyo/Knauf Insurance Services
2900 W Broadway, Los Angeles, CA 90041
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