How Much Does Car Insurance Cost in San Bernardino?
It is common knowledge that San Bernardino has expensive premiums, as its mean premium is 17% higher than the state average. Therefore if you are insuring a vehicle in San Bernardino, cutting costs is crucial. Review our tips to save on San Bernardino car insurance and save money.
AUTO INSURANCE COSTS: SAN BERNARDINO VS. STATE/US AVERAGES
|City Average||State Average||National Average|
San Bernardino Auto Insurance Premiums by Age
Car insurance premiums are highest for teenage drivers, with average rates of $7,531 per year. The greatest drop in premiums for San Bernardino drivers happens when they hit their 20s. Once out of the teenage age range, individuals pay 60% less in premiums. While insurance rates for drivers will continue to fall through their 60s, they should expect to pay more when they turn 70. Everybody loves to save money, and luckily for drivers in their 60s, they do just that! They have the smallest insurance rates among any age group, with rates of $1,754 per year. However, people in their 50s ($1,807) aren’t paying much more.
SAN BERNARDINO AUTO INSURANCE PRICES BY AGE
San Bernardino Car Insurance for High-Risk Drivers
Previous accidents and violations can cost you in terms of car insurance rates. The value of the damage caused by an accident plays a role in how significantly insurance rates will increase. Being at-fault in an accident with damages exceeding $2,000 costs you an additional 63% per year in premiums compared to an accident with damages less than $1,000. Many people don't take speeding seriously, but did you know that a ticket for driving 16-20mph over the limit can increase your premiums by an unignorable 35%?
AVERAGE SAN BERNARDINO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$2,049|
|At-fault Accident (damages greater than $2,000)||$3,333|
|Speeding Ticket (16-20 mph over speed limit)||$2,776|
San Bernardino Auto Insurance by Gender and Marital Status
Both gender and marital status influence your car insurance premiums in San Bernardino. However, females have premiums that are only a bit more costly than those for males. Being single can cost you roughly 5% more per year compared to being married. Rates for those who are widowed are moderately cheaper than rates for those who are single.
SAN BERNARDINO CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance each year.
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local San Bernardino Agents
725 South Figuerora 35th Floor, Los Angeles, CA 90017
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
The average San Bernardino resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in San Bernardino
Just enter your zip code to get started