The Cost of Car Insurance in San Bernardino, CA, Ranges Between $1,098- $2,511

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The average cost of auto insurance in San Bernardino, CA, is $1,579. Car owners can save up to $630 by comparing multiple quotes. The cost of auto insurance can also vary from one neighborhood to another. This is mainly because of the difference in auto thefts in each neighborhood. Car owners can key in their zip codes to get accurate auto insurance quotes from multiple car insurance companies. Bear in mind, the cost of car insurance in San Bernardino is much lower than that of neighboring places such as Lytle Creek and Running Springs. Some of the factors affecting auto insurance rates are explored below.


Insurance Requirements:

Car insurance is mandatory for all vehicle owners in California. The minimum liability insurance requirements for private passenger vehicles are as follows:

  • $15,000 for injury/death to a person.

  • $30,000 for injury/death to more than a person.

  • $5,000 for damage to property.


The cost of auto insurance, as mentioned before, depends on which neighborhood one lives in. It also depends (as the above infographic indicates) on the age of the driver and the make and model of the vehicle. A 77-year-old female senior on Granite street can save up to $540 on car insurance, while an 84-year-old male senior in North Bothwell Avenue can save only up to $484 on car insurance. This goes to show the difference in savings based on one’s location in the city, and that women are considered to be safer drivers than men. Teenagers continue to pay the most on auto insurance in the city. This is because they are considered to be inexperienced and hence unsafe drivers. For example, a 19-year-old male teenager driving a Buick is expected to pay an average of $3,466 on auto insurance in San Bernardino.


A higher deductible, more often than not, can help in reducing the cost of auto insurance. This also depends on the make and model of the car and the amount of the claim. In San Bernardino, for a Ford Explorer XLT, a higher deductible of say $1,000 will result in a loss of $880. But, a higher deductible for the amount of a claim of $300 on a Ford Flex Limited can help in improving savings up to $80.