Best Auto Insurance Rates in San Bernardino, California

On average your neighbors pay $70 a month.

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Known for long commutes, a high rate of car theft, and traffic congestion, having cheap car insurance rates is even more important in San Bernardino than in most cities.

Average San Bernardino Car Insurance Rates

How much is car insurance in San Bernardino, CA? A higher than average frequency of accidents (and insurance claims) and a very high vehicle theft rate means average car insurance rates in San Bernardino are higher than both the state and national averages. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.

Prices may vary depending on your zip code and the total number of claims filed.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

California average car insurance rates

QuoteWizard helps consumers compare quotes from both national car insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near San Bernardino and can help you save up to 40% on your premium.

Last year, 5,116 people used QuoteWizard to compare auto insurance quotes in San Bernardino, CA from multiple companies to find the best rates.

Best Car Insurance Companies in San Bernardino, CA

This is our list of the most common car insurance companies reported by QuoteWizard user in San Bernardino, California last year.

Top 10 Vehicles in San Bernardino

This is our list of the most common car makes and models owned by San Bernardino, CA drivers requesting quotes through QuoteWizard last year.

  1. Honda Civic EX/LX/DX
  2. Honda Accord EX/LX
  3. Toyota Camry/LE/XLE/SE
  4. Ford F150
  5. Ford Explorer
  6. Ford Mustang
  7. Ford Expedition
  8. Nissan Sentra S/SV/SR/SL
  9. Nissan Altima 2.5
  10. Toyota Corolla
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Minimum Car Insurance Requirements in San Bernardino, CA

To legally operate motor vehicles, San Bernardino, California drivers must follow the 15/30/5 minimum liability coverage rule. This rule requires drivers to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurance company will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurance company will pay for property damage caused by a car accident.

San Bernardino Drivers

According to a recent report published by Allstate Insurance when it comes to safe driving, San Bernardino, CA ranked 119th out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 8.3 years.

San Bernardino drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Factors that can influence insurance rates arethe weather and road conditions.

Weather

San Bernardino has a semi-arid Mediterranean climate with mild winters and long, hot summers. Annual precipitation averages only 16.1 inches and half of that falls in January and February leaving city streets dry the rest of the year.

Road Conditions

As mentioned above, San Bernardino has some of the most pothole-filled roads in the country. According to a recent study by TRIP, 46% of the major roads in the Riverside-San Bernardino area are in poor condition with 41% rated mediocre. These poorly maintained, pothole-filled streets costs drivers $812 a year, on average, in extra vehicle operating costs.

Traffic Congestion

San Bernardino tied Riverside for the 24th worst traffic in the United States according to TomTom's annual traffic index report. An average commuter spends an additional 24 minutes per hour stuck in traffic during peak commute times and 92 hours a year for commutes of 30 minutes.

Traffic data provider Inrix provides a traffic scorecard to rank the most congested US cities. According to their data, Riverside-San Bernardino has the nation's tenth worst traffic congestion. Their data shows that area commuters wasted 59 hours stuck in traffic congestion last year.

Moving Violations

Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record and need to purchase expensive high-risk auto insurance.

Traffic Tickets

The Superior Court of California County of San Bernardino traffic division website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

DUI Arrests

The San Bernardino Police department recorded 316 DUI arrests in 2012, a decrease of 26.7% from 2011.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in San Bernardino DUI insurance.

Traffic Fatalities

San Bernardino experienced 27 deaths in motor vehicle crashes in 2013. This works out to a fatality rate of 3.28 per 100,000 residents. All traffic deaths are a tragic loss, but considering San Bernardino’s estimated population of 213,708 this is a safe city in terms of traffic fatalities.

Vehicle Theft Rates

San Bernardino reported 3,070 motor vehicle thefts in 2016 . This is a rate of 14.21 per 1,000 residents, over six times the national theft rate of 2.20 per 1,000.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to San Bernardino drivers. Get a free quote and find out how much money you could save.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling is one of the best insurance discounts you can get. Bundling your policies with a single insurer can save you as much as 15%
  2. Live in a safe neighborhood with low crime. People that live in zip codes with high crime and poor driving conditions file more insurance claims
  3. Remove full comprehensive coverage from your policy
  4. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  5. Maintain at least a B grade point average in school to qualify for the good student discount
  6. Keep your driving history clean. Drivers without tickets or accidents on their record pay lower rates
  7. Take a defensive driving course from an accredited driving school
  8. Get a new car to qualify for the new car discount. If the car has advanced safety features and anti-theft devices and an alarm system you could qualify for additional insurance discounts
  9. Drive less. Live close to work and get the low mileage discount
  10. Shop around and compare low-cost San Bernardino auto insurance quotes to find all the discounts you may be missing out on

Sources:

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