For a 40-year-old driver with a clean record, car insurance in San Bernardino, CA, averages about $360 a month ($4,314 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 8% above the California average of $332 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (Allstate, Auto Club of Southern California, Farmers, GEICO and State Farm), at about $212 a month.
San Bernardino is the second-most expensive of the 33 California cities and areas we publish guides for, after Los Angeles. Our benchmark driver pays about $28 a month more here than the statewide average on our California car insurance rates page, and of the 35 cities and towns we price in San Bernardino County, only Adelanto and Victorville, to the north over the Cajon Pass, cost more.
Our data covers six ZIP codes with a San Bernardino mailing address, from about $352 a month in 92407, in the northwest of the city, to $364 in 92411.
Cost data comes from the auto rates insurers file with state regulators, priced across all six San Bernardino ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in San Bernardino, CA?
Full coverage in San Bernardino averages $4,314 a year, or about $360 a month, for our benchmark driver. Liability-only coverage at 15/30/5 limits averages $1,563 a year ($130 a month), and 50/100/50 liability with comprehensive and collision averages $3,983 ($332 a month).
- Full coverage (100/300/100, $500 deductibles): $4,314 a year ($360 a month)
- 50/100/50 with $500 deductibles: $3,983 a year ($332 a month)
- Liability only (15/30/5): $1,563 a year ($130 a month)
- San Bernardino County: $4,036 a year ($336 a month) for full coverage
- California average: $3,979 a year ($332 a month) for full coverage
- ZIP code range: $352 (92407) to $364 (92411) a month for full coverage
Cheapest Car Insurance in San Bernardino, CA: Companies Compared
- Lowest average in our data, full coverage: GEICO, at about $212 a month ($2,546 a year).
- Next lowest among the five major insurers we compared: Auto Club of Southern California and State Farm, effectively tied at $347 and $356, then Allstate at $428.
- Liability only (15/30/5): about $57 to $164 a month across the five insurers.
- Also on our list: USAA at about $231 a month, Mercury at $265, Progressive at $271, Travelers at $360 and Nationwide at $374 (USAA sells only to military families).
- Most expensive in our data: Farmers, at about $456 a month, $2,920 a year more than GEICO for the same driver and car.
GEICO has the lowest full-coverage average among the five insurers in our San Bernardino rate data. Five of the eight published 2026 statewide California rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families, and a sixth ties GEICO with Progressive. That’s why we name GEICO, though its lead in our data is wider than in those studies. For liability-only coverage at 15/30/5 limits, averages run from about $57 to $164 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in San Bernardino
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $688 | $57 | $2,546 | $212 |
| Auto Club of Southern California | $1,419 | $118 | $4,158 | $347 |
| State Farm | $1,777 | $148 | $4,269 | $356 |
| Allstate | $1,965 | $164 | $5,131 | $428 |
| Farmers | $1,965 | $164 | $5,466 | $456 |
| USAA (military families)* | $1,110 | $93 | $2,771 | $231 |
| Mercury Insurance* | $1,354 | $113 | $3,175 | $265 |
| Progressive* | $1,208 | $101 | $3,252 | $271 |
| Travelers* | $1,965 | $164 | $4,325 | $360 |
| Nationwide* | $1,833 | $153 | $4,488 | $374 |
| San Bernardino average | $1,563 | $130 | $4,314 | $360 |
This table uses San Bernardino ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
San Bernardino Car Insurance Rates by ZIP Code
Across the six San Bernardino ZIP codes we price, full coverage for our driver ranges from about $352 a month in 92407 to $364 in 92411, a gap of $144 a year. All six are within about 2% of the city average, so where you live in San Bernardino moves the price far less than which insurer you choose.
Lowest-priced San Bernardino ZIP codes
Highest-priced San Bernardino ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below San Bernardino’s average.
| ZIP Code: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 92404 | $1,590 | $133 | $4,339 | $362 | +1% |
| 92405 | $1,519 | $127 | $4,285 | $357 | -1% |
| 92407 | $1,556 | $130 | $4,222 | $352 | -2% |
| 92408 | $1,589 | $132 | $4,312 | $359 | About average |
| 92410 | $1,536 | $128 | $4,358 | $363 | +1% |
| 92411 | $1,587 | $132 | $4,366 | $364 | +1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in San Bernardino?
Raising liability limits from 50/100/50 to 100/300/100 adds about $331 a year on average in our San Bernardino data, with the same $500 deductibles. That’s about $28 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in San Bernardino?
Not for full coverage, for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same San Bernardino ZIP codes, their full-coverage average fell from $4,162 a year nine months earlier to $4,026 in rates as of Aug. 31, 2026, a 3.3% drop. State Farm cut its San Bernardino average 11.3%, while Allstate’s, Auto Club of Southern California’s and GEICO’s averages were unchanged. Farmers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the San Bernardino average above. Liability-only coverage at 15/30/5 limits rose 6.6%, led by State Farm, which raised its liability-only average 25.4%.
Why Does Car Insurance Cost More in San Bernardino?
San Bernardino County averages about $336 a month for full coverage, the third-most expensive of the 55 California counties we price, after Los Angeles and San Francisco counties. Riverside County, to the south, averages $325.
San Bernardino’s neighbors to the east and south cost less. Redlands, to the southeast, averages about $319 a month, Grand Terrace, to the south, $321, Loma Linda $325, Highland, next door to the east, $331 and Colton $343. Rialto and Fontana, to the west, cost about as much as San Bernardino, at $356 and $357. Where you live is one of the factors California insurers use, so neighboring cities can be priced differently.
How San Bernardino Car Insurance Compares With Other California Cities
More California cities and towns are in the California rates by city table, and you can compare states on our car insurance rates by state page.
Our Riverside–Ontario guide covers the ZIP codes with a Riverside or Ontario mailing address and averages $340 a month; downtown Riverside is about 10 miles southwest. Anaheim, about 40 miles southwest in Orange County, averages $354, and Los Angeles, about 55 miles west, $476.
What Car Insurance Is Required in San Bernardino?
Drivers in San Bernardino follow California’s rules. The minimum rose for policies issued or renewed on or after Jan. 1, 2025, and every policy must now carry at least:
- Bodily injury liability of $30,000 per person and $60,000 per crash
- Property damage liability of $15,000 per crash
Our California requirements guide covers uninsured motorist coverage, proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in San Bernardino
- Compare GEICO, Auto Club of Southern California and State Farm first. GEICO has the lowest full-coverage average among the five major insurers we compared in San Bernardino, about $212 a month, and Auto Club of Southern California and State Farm are effectively tied for next, at about $347 and $356 a month.
- Quote several insurers. In our San Bernardino data, the lowest and highest insurer averages are about $244 a month apart for the same driver and car.
- Keep your mileage up to date. Under Proposition 103, California insurers must base your rate first on your driving record, then on your annual mileage, then on your years of driving experience, according to the California Department of Insurance. If your commute gets shorter or you start working from home, tell your insurer.
- Compare at every renewal. Over the past nine months, State Farm has cut its San Bernardino average 11.3%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in California, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated San Bernardino Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 30 full-coverage premiums from five insurers across six San Bernardino ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/5 limits, with 15/30 uninsured motorist coverage and no comprehensive or collision. California’s minimum has been 30/60/15 since Jan. 1, 2025, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. In San Bernardino, GEICO’s full-coverage average is 39% below Auto Club of Southern California’s, a wider lead than that, but we name GEICO because most of the published 2026 statewide California rate studies we reviewed also rank it cheapest. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Farmers is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other four insurers, Allstate, Auto Club of Southern California, GEICO and State Farm, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 California rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from California law and the California Department of Insurance. We refresh these figures when new rate data is released.
San Bernardino Car Insurance FAQ
For our benchmark driver, full coverage in San Bernardino averages about $360 a month ($4,314 a year) and liability-only coverage at 15/30/5 limits about $130 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 8% above the California average of $332 a month.
GEICO has the lowest full-coverage average in our San Bernardino rate data, at about $212 a month, followed among the five major insurers we compared by Auto Club of Southern California and State Farm, effectively tied at $347 and $356. For liability-only coverage at 15/30/5 limits, averages run from about $57 to $164 a month. Five of the eight published 2026 statewide California rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, and a sixth ties GEICO with Progressive. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Full coverage averages about $331 a month in Highland, San Bernardino’s neighbor to the east, and $319 in Redlands, to the southeast, compared with $360 in San Bernardino. Loma Linda averages $325 and Grand Terrace $321. GEICO has the lowest full-coverage average in Highland and Redlands too.
San Bernardino drivers follow California law. The minimum rose for policies issued or renewed on or after Jan. 1, 2025, and every policy must now carry at least $30,000 per person and $60,000 per crash in bodily injury liability and $15,000 in property damage liability (30/60/15). Insurers must offer uninsured motorist coverage, which you can turn down only in writing. Our liability-only prices use 15/30/5 limits, lower than the law now requires.
No. California is an at-fault state: the driver who causes a crash pays for the other driver’s injuries and damage through their liability insurance. When both drivers share the blame, the police, the insurance companies or the courts decide each driver’s share, which California calls comparative negligence. California doesn’t require personal injury protection, and medical payments coverage is optional.
Three things. First, California’s minimum liability limits rose to 30/60/15 for policies issued or renewed on or after Jan. 1, 2025, and they’re scheduled to rise again, to 50/100/25, on Jan. 1, 2035. Second, if you’ve been licensed for at least three years in a row with no more than one point on your record, California law requires your rate to be at least 20% lower than a non-Good Driver’s. Third, full coverage got cheaper for our benchmark driver: comparing the four insurers in both sets of rates in the same San Bernardino ZIP codes, it fell 3.3% over the past nine months, while liability-only coverage at 15/30/5 limits rose 6.6%.
For our benchmark driver, full coverage in San Bernardino averages about $360 a month. Nearby, Riverside–Ontario averages about $340, Anaheim about $354 and Irvine about $331. Riverside–Ontario, Anaheim and Irvine are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
