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Best cheap car insurance in San Bernardino for 2022

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Over 215,000 residents call San Bernardino, California home, and residents pay an average of $766 per year for minimum coverage and $2,193 per year for full coverage. However, affordable rates are still possible to obtain in this heavily-populated area in California, as long as you know what to look for with regional and national carriers.

Bankrate conducted its analysis by reviewing the rates pulled from the Quadrant Information Services. Not only did this show which carrier offers the most affordable rates in the area, but further analysis reveals which ones have high customer satisfaction ratings and financial strength too.

Best car insurance companies in San Bernardino

To determine the best car insurance company in San Bernardino, Bankrate used Quadrant Information Services rate analysis within the zip code. A review of the 2020 J.D. Power Survey for overall customer satisfaction was also reviewed to see which carriers offer affordable rates and strong customer service.

Insurance company J.D. Power score
California region
Average annual premium for minimum coverage Average annual premium for full coverage
Geico 828 / 1,000 $578 $1,738
Mercury 787 / 1,000 $648 $1,740
Wawanesa 853 / 1,000 $689 $1,678
Progressive 823 / 1,000 $691 $1,917


Geico, which is the second-largest provider of auto insurance in the U.S., has been providing insurance products for over 75 years. It also scores quite high on the 2020 J.D. Power survey, earning an 828 out of 1,000. Today, Geico gives you the convenience of policy management through its mobile app, which lets you change your policy, make payments and claims and call roadside assistance all from your smartphone.


Mercury insurance has been in business since 1961, providing numerous insurance products. Although the J.D. Power scores are not as high for Mercury as others on our list, the rates may be attractive enough to warrant a second look. Mercury not only provides standard coverage options, but you can fill in gaps in your policy with ride-hailing coverage and roadside assistance options.


Wawanesa is a regional provider, with the highest score among the carriers on the 2020 J.D. Power survey. This carrier offers a full range of coverage options, including vehicle manufacturer replacement parts — which provides original equipment manufacturer parts. You can enjoy extra savings with discounts such as affinity, loyalty and multi-policy to name a few.


Progressive is not only above-industry average with the 2020 J.D. Power scores, but it is the third-largest provider of auto insurance in the country. In addition to competitive policy pricing, customers may find Progressive provides a long list of possible discounts, including paid-in-full incentives and policy bundling savings. Progressive even features an option to shrink your deductible by $50 each year if you remain claims-free and enroll in the Deductible Savings Bank.

Cheapest car insurance in San Bernardino

Full coverage car insurance in San Bernardino is not only higher than the national annual average of $1,674, but the average cost of $2,193 is higher than the California annual state average. Overall, drivers in California pay $2,065 annually for a full coverage policy.

Geico, AAA, Mercury, Travelers and Progressive are all examples of carriers offering affordable premiums, and in some cases below average rates for drivers in San Bernardino. Geico is the least expensive according to the Quadrant Information Services, and also offers multiple discounts, such as affiliation and policy bundling. All five carriers are all rated with at least an A rating with AM Best, highlighting each one’s superior financial performance and strength.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $578 $1,738
AAA $607 $2,010
Mercury $648 $1,740
Travelers $682 $1,938
Progressive $691 $1,917

San Bernardino insurance requirements

California requires drivers to carry minimum insurance, including the following 15/30/5 liability minimums:

  • $15,000 for injury or death per person
  • $30,000 for injury or death per accident
  • $5,000 for property damage per accident

However, it may not be possible for you to only purchase the bare minimum to keep you driving legally. If you lease or finance your vehicle, most lienholders require you to purchase the optional comprehensive and collision coverage until you own the title free and clear. Many lenders require gap insurance coverage for cars less than 12 months old too.

Car insurance discounts in San Bernardino

With car insurance in San Bernardino higher than the national average, it pays to take advantage of as many discounts as possible. There are a wide range of ways to save on premiums, with discounts such as:

  • Good student: If you are a high school student or taking college courses and are maintaining good grades, be sure to inquire about potential additional savings on premiums.
  • Paid-in-full: If you pay your premiums up front, instead of in monthly installment payments, your carrier may reward you with lower rates.
  • Loyalty: If you are with the same carrier year after year, several carriers offer additional savings on your premiums or deductibles with each passing year.
  • Safe driver: If you connect to a telematics device or use a mobile app for a carrier to monitor your driving habits, it could make you eligible for discounts based on safe driving habits.

Discounts are a fantastic way to save, but there are other methods available to avoid paying full price for premiums too. For instance, you could raise your deductible for collision and comprehensive coverage. This results in lower premiums since you are paying more out of pocket for claims. Another strategy is to compare rates from several carriers. This gives you insight as to which carrier offers better coverage options for the best price.

Frequently asked questions

What is the best car insurance company?

Choosing the best car insurance company in San Bernardino means selecting a carrier based on a variety of factors, in addition to advantageous rates. Carriers with superior financial ratings, strong customer service records and digital assets for policy management are typically better choices for consumers. Bankrate has reviewed this same information and found Geico, USAA and Amica are all top choice carriers worth closer consideration.

How much car insurance do I need in San Bernardino?

In addition to the minimum state requirements, you should choose coverage options to support your driving lifestyle and budget, while offering maximum financial protection. For instance, California is ranked tenth highest in the country for number of uninsured motorists. This means purchasing uninsured motorist coverage could provide more robust coverage in case of an accident with someone who does not carry insurance and is ruled at-fault.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar,, and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.