What's the Cost of Car Insurance in San Bernardino?
If you are insuring a vehicle in San Bernardino, understanding premium costs is crucial because San Bernardino premiums are known for being pricey. They generally exceed California's average by $224. Let's compare car insurance costs in San Bernardino versus premiums across the nation.
CAR INSURANCE PREMIUMS: SAN BERNARDINO VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
San Bernardino Car Insurance Premiums by Age
Everybody loves to save money, and luckily for drivers in their 60s, they do just that! They have the lowest rates among any age group, with rates of $1,655. However, people in their 50s ($1,703) also have relatively low premiums. The biggest dip in premiums for San Bernardino drivers happens when they reach their 20s. Once out of the teenage age range, they reduce their premiums by 61%. When drivers turn 70, they will experience a rate increase related to their age for the first time. Teenage drivers have the most expensive rates amongst all the age groups. They pay around $7,238 on car insurance premiums.
SAN BERNARDINO CAR INSURANCE COSTS BY AGE
San Bernardino Car Insurance for Drivers With At-Fault Accidents or Violations
Have you been involved in an at-fault accident or committed a moving violation?? That can cost you in terms of prices on car insurance. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,534 is the extra cost per year for drivers with a DUI or reckless driving infraction in San Bernardino, compared to the city average of $1,937. Being at-fault in an accident costs drivers an extra $1,089 per year in premiums compared to the city average.
AVERAGE SAN BERNARDINO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$3,026|
|At-fault Accident (damages greater than $2,000)||$3,026|
|Speeding Ticket (16-20 mph over speed limit)||$2,635|
San Bernardino Car Insurance by Gender and Marital Status
Both marital status and gender play a role in your car insurance premiums in San Bernardino. However, the amount by which men's and women's car insurance premiums vary is trivial. Being married can save you approximately 4% per year compared to being single. Rates for those who are widowed are moderately cheaper than rates for those who are single.
SAN BERNARDINO AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|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 companies determine 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
Gillespie Insurance Services Inc.
222 East Olive Ave Redlands, CA 92373
HUB International Insurance Services Inc.-PL Only
700 Flower Street, Suite 1520 Los Angeles, CA 90017
Arroyo/Knauf Insurance Services
2900 W Broadway Los Angeles, CA 90041
Susman Insurance Agency
11611 San Vicente Blvd., Suite 650 Los Angeles, CA 90049
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San Bernardino Car Insurance
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