Find Car Insurance in San Bernardino, CA

What You Should Know About Car Insurance in San Bernardino, California

Located in the Inland Empire region, this historic city has a population of about 220,000 and began as a mission settlement before growing into a major transportation hub along Route 66 and key highways. Despite economic challenges, the area offers a diverse community and easy access to outdoor activities like those found in the nearby San Bernardino National Forest.

In California, car insurance is not only legally required but crucial for protecting drivers financially. In this busy urban setting, carrying sufficient liability coverage helps shield you from the costs of accidents and property damage. The state also mandates coverage for uninsured or underinsured motorists, so understanding your policy and maintaining proper insurance is essential for compliance and peace of mind.

Before driving in and around San Bernardino, be sure to have the required car insurance. Keep reading to find out how InsureOne offers the best car insurance in California, plus flexible options so you get what you need.

How Much Does Car Insurance Cost in San Bernardino, California?

The cost of car insurance varies depending on where you live. Nationwide, the average is $66 for minimum liability and $223 for full coverage. San Bernardino averages $60 for the minimum liability and $232 for full coverage. In California overall, the average is $191 for full coverage and $53 for the minimum requirements.

In comparing these numbers, you will see that California overall offers lower priced automobile coverage than the national average.

Why is Insurance in San Bernardino so Expensive?

Insurance in San Bernardino may be perceived as higher for a variety of reasons, though it’s important to note Insurance rates in San Bernardino tend to be higher than the national average due to several factors. The area experiences higher traffic congestion and accident rates, which increase the likelihood of claims. Additionally, crime rates—including vehicle theft and vandalism—can drive up insurance costs.

The cost of living and repair expenses in the region also contribute to higher premiums. Furthermore, California’s strict insurance regulations and mandatory coverage requirements add to the overall expense. Despite these costs, maintaining proper insurance coverage remains essential to protect drivers from significant financial risks.

Affordable Car Insurance Rates Comparison by Cities in California

As we discussed, where you live plays a significant role in your insurance costs—whether it’s for your car or your home. To give you a better idea, here’s how San Bernardino compares to other cities in California when it comes to average car insurance premiums.

City	Full Coverage Insurance	Liability Insurance Coverage
San Bernardino	$232	$60
Bakersfield	$193	$76
Fremont	$178	$49
Long Beach	$190	$80
Madera	$150	$84

How Bundling Your Car and Homeowners Insurance Can Save You Money in San Bernardino

How bundling your car and homeowners insurance can save you money in San Bernardino is simple: by combining both policies with the same insurer, you become eligible for discounts that can significantly reduce your overall premiums. Insurance costs in San Bernardino tend to be higher in specific areas due to factors like heavy traffic along the 10 Freeway and wildfire risks near neighborhoods bordering the San Bernardino Mountains.

Because of these localized risks, bundling helps offset the increased expenses by offering savings that reflect the combined coverage. Residents living near University Parkway or closer to downtown San Bernardino can particularly benefit, as insurers tailor discounts to address the unique challenges of these areas. Bundling not only lowers your costs but also streamlines your insurance management, making it a practical choice for many in the region.

What Types of Car Insurance Discounts are Available in San Bernardino?

The great news about insurance companies is that they offer a variety of discounts designed to help you save money. Whether it’s bundling multiple policies, maintaining a clean driving record, or installing safety devices in your home or car, these discounts can significantly reduce your premiums. Taking advantage of these opportunities makes quality coverage more affordable and rewarding for policyholders.

Discount	What It’s Worth
Good or Safe Driver	10-30% Off
Anti-lock brakes	3% Off
Auto-pay	5%
Military	15% on base, 90% deployed
Good Student	15%

Notable Car Insurance Laws in San Bernardino

Knowing the laws before you go behind the wheel is essential in California. Drivers must carry proof of insurance at all times and be ready to present it if requested by law enforcement or during vehicle registration. While uninsured motorist coverage isn’t mandatory, insurers are required to offer it, and drivers can choose to accept or decline it in writing. Failing to maintain proper insurance can result in fines, license suspension, and vehicle impoundment. Staying informed and compliant helps protect you legally and financially on the road.

What are the Mandatory Car Insurance Requirements in San Bernardino?

California’s mandatory car insurance requirements ensure drivers can cover costs if involved in an accident. The minimum liability coverage includes:

• $30,000 for injury or death to one person
• $60,000 for injury or death to multiple people
• $15,000 for property damage

These updated limits, established by Senate Bill 1107, address rising medical and repair expenses, providing stronger financial protection. While liability coverage is required, optional protections like collision, comprehensive, and uninsured/underinsured motorist insurance are strongly recommended. Additionally, California’s Low-Cost Auto Insurance Program offers affordable liability insurance for eligible low-income drivers.

What is the Penalty for Driving without Insurance in San Bernardino?

Driving without insurance in California, including San Bernardino, is a serious violation with significant penalties. Under California Vehicle Code Section 16029, drivers must carry proof of financial responsibility. Failure to comply can lead to the following consequences:

• Fines of $175 to $1,000, depending on number of offenses
• License surcharge of $250 every year for 3 years
• License suspension and vehicle impoundment

What Factors Go into My Car Insurance Cost in San Bernardino?

Car insurance premiums in San Bernardino are influenced by several factors. Your driving record, including violations like speeding tickets or DUIs, can raise your premiums. The type of vehicle you own also plays a role, as luxury and high-performance cars often carry higher insurance costs due to repair and theft risks. Younger drivers typically face higher rates due to inexperience and higher accident rates. Additionally, living in areas with higher traffic or accident frequencies may result in higher premiums.

Coverage levels and deductibles also impact your premium—higher coverage limits and lower deductibles increase costs, while higher deductibles lower premiums but result in higher out-of-pocket expenses. Annual mileage, your insurance history, and maintaining continuous coverage can also affect rates. In San Bernardino, discounts for safe driving, bundling policies, or installing anti-theft devices may help lower your premium. By understanding and managing these factors, you can potentially reduce your car insurance costs.

Typical Driving Conditions in San Bernardino

This area is generally pleasant, with mild weather and well-maintained roads. The city experiences a Driving in San Bernardino comes with a few unique challenges thanks to its mix of city streets and nearby mountain roads. In town, you can expect some traffic, especially during rush hours on busy highways like the 10, 15, and 215. Downtown and other busy areas have lots of intersections, so it’s a good idea to stay alert for cars, pedestrians, and cyclists—accidents involving pedestrians have been increasing recently.

If you’re heading out toward the mountains, like through Cajon Pass, be ready for changing weather. Snow, fog, ice, and strong winds can make driving tricky, especially in winter. Also, some roads around the area aren’t in the best shape, which can make for a bumpy ride and even affect your car’s wear and tear. To stay safe, keep a good distance from other cars, check the weather before you drive, watch carefully at intersections, and make sure your vehicle is in good condition. With a little prep, driving around San Bernardino can be smooth and manageable.

How Many Car Accidents Happen in San Bernardino Per Year?

Sonoma County’s vibrant town, experiences a notable number of traffic accidents annually. In 2022, the city reported 358 fatal and injury crashes. To provide a clearer picture of how San Bernardino compares to other cities in California, we’ve compiled data showing the total number of fatal and injury crashes across various cities. This comparison highlights how San Bernardino’s traffic safety aligns with or differs from other areas in the state.

City	Injuries or Fatalities Resulting from Crashes
San Bernardino	1370
Concord	420
Huntington Beach	924
Santa Cruz	147
Los Angeles	8944

How Many Uninsured/Underinsured Motorists are in San Bernardino?

A significant number of drivers in the state lack proper insurance coverage—17% were uninsured in 2022 alone. This highlights the importance of discussing uninsured motorist coverage with your agent, as you could be left footing the bill for damages if involved in an accident with an uninsured driver, even when not at fault.

Nationally, uninsured motorist coverage typically costs around 3-5% of your total premium, making it a valuable addition when customizing your policy with InsureOne.