Best Cheap Auto Insurance in San Bernardino, CA (2021)

The cheapest auto insurance in San Bernardino, CA comes from GEICO, but the state does offer California Low-Cost Auto (CLCA) insurance for low-income drivers who meet certain qualifications. Insurance requirements in San Bernardino, California are the same as the state minimum car insurance of 15/30/5 for all drivers unless they carry CLCA.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 22, 2021

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Things to Remember

  • The cheapest auto insurance company available to everyone in San Bernardino is GEICO
  • California does offer low-cost auto insurance for drivers who meet certain requirements
  • San Bernardino auto insurance rates are about the same as the state and national averages

The cost of auto insurance in San Bernardino, CA is right around the state and national averages. Although California auto insurance is high in general, San Bernardino drivers don’t have to shell out much more than average.

Before you buy auto insurance in San Bernardino, CA, shop around to find cheap auto insurance.  If you can’t afford car insurance, you may qualify for the low-cost insurance offered by the state.

Enter your ZIP code now to compare auto insurance rates in San Bernardino, CA.

What is the cheapest auto insurance company in San Bernardino, CA?

Although USAA is actually the cheapest car insurance company in San Bernardino, it only offers auto insurance to the military, veterans, and their families. The cheapest auto insurance company that offers coverage to everyone is GEICO.

These are the top auto insurance companies in San Bernardino, CA ranked from least to most expensive:

  • USAA – $3,005.04
  • GEICO – $3,064.53
  • Progressive – $3,294.82
  • Liberty Mutual – $3,403.92
  • Travelers – $3,755.29
  • Allstate – $4,759.32
  • State Farm – $4,861.26
  • Nationwide – $5,164.03
  • Farmers – $5,806.47

The best company for you will depend on many different factors, such as age, marital status, driving record, ZIP code, and credit score. Gender is not allowed to be used to calculate auto insurance rates in California.

California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

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What auto insurance coverage is required in San Bernardino, CA?

Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally.

The minimum auto insurance requirements in California for San Bernardino drivers are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These minimums are very low, and drivers should consider carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

What affects auto insurance rates in San Bernardino, CA?

San Bernardino is considered part of the greater Los Angeles area and has the traffic and vehicle thefts that go along with living near a large city.

INRIX does not have specific information for San Bernardino but reports that Los Angeles, CA ranks sixth in the country for traffic congestion. Los Angeles also ranks 26th in the world for traffic congestion.

City-Data reports that San Bernardino, CA commute times are mainly under 25 minutes, but a large number of drivers commute 60 minutes or more.

Theft is another factor that can drive up auto insurance rates. The FBI reports that there were 2,277 motor vehicle thefts in San Bernardino.

San Bernardino, CA Auto Insurance: The Bottom Line

Although drivers in California generally have higher auto insurance rates, San Bernardino prices are about average. However, there are ways to get the most affordable auto insurance in San Bernardino, CA. Shop around and compare quotes to find the best deal for you.

Compare auto insurance quotes in San Bernardino, CA by entering your ZIP code now.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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