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Best cheap home insurance in San Bernardino in 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best home insurance companies in San Bernardino
San Bernardino homeowners may struggle to insure their homes. According to Risk Factor, 58 percent of all properties in San Bernardino are at serious risk for wildfire damage at some point in the next 30 years. The elevated risk, together with some of California's largest home insurers either leaving the state or dramatically scaling back coverage, can make finding a San Bernardino home insurance policy a challenge. If you’re having difficulty securing a policy, Bankrate’s insurance editorial team can help. Our seasoned insurance experts have done the research for you and identified USAA, Chubb, Mercury and Auto Club as the best home insurance companies in San Bernardino.
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why USAA made our list: Year after year, USAA is a high scorer in the J.D. Power U.S. Home Insurance Study and U.S. Property Claims Satisfaction Study, both of which are a strong indicator of customer satisfaction. The company also tied for the 2025 Bankrate award for Best Home Insurance Company Overall. However, USAA policies are only available to military members, veterans and their qualifying family members.
USAA’s NAIC Complaint Index for its home insurance product is also well below average, which signals that it receives fewer complaints than expected for an insurer of its size. However, the company announced that beginning in March 2024, it would only insure homes with low wildfire risk. It is still too early to tell how these new underwriting guidelines will affect San Bernardino homeowners. To find out if you’re eligible for a USAA policy in San Bernardino County, contact a company representative.
Why USAA may be the best overall: In addition to its stellar customer satisfaction scores, USAA also boasts an impressive A++ (Superior) financial strength rating from AM Best. USAA home insurance policies come with replacement cost coverage already included, which typically costs extra with other providers. USAA’s Wildfire Response Program also comes pre-included and can help lower the risk of a total loss after a wildfire.
| Bankrate Score | 4.8 |
| J.D. Power | 737/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why Chubb made our list: San Bernardino homeowners on the hunt for a policy with extras pre-included may want to contact a Chubb agent for a quote. Chubb generally caters its policies toward higher-income homeowners; its Masterpiece home insurance policy comes with perks like extended replacement cost coverage, risk consulting, replacement cost coverage for personal property, water backup coverage, electronic data recovery, lock replacement and more.
Why Chubb may be the best for high-value homes: If you spent upward of $1 million on your home, Chubb’s Masterpiece home insurance policy may be a good fit. Chubb may offer dwelling coverage limits that are higher than some other insurers, and it offers personal liability coverage up to $100 million. Chubb’s AM Best rating is A++ (Superior), which signals a strong ability to pay out claims.
| Bankrate Score | 4.6 |
| J.D. Power | 688/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why Mercury made our list: Mercury writes home insurance in 10 states, California being one of them. It is a smaller insurance company and was not included in the J.D. Power Property Claims Satisfaction Study or Home Insurance Study. Its NAIC complaint index may not inspire much confidence, as it scored above average for complaints about its home insurance product. However, Mercury may be redeemed by its affordable rates and ample discount offerings like a new home discount, loss-free discount, water leak detection discount and more.
Why Mercury may be best for homeowners on the FAIR Plan: San Bernardino homeowners on the FAIR Plan may be interested in Mercury’s difference in conditions policy. California FAIR Plan policies can be skimpy, with no liability coverage and only actual cash value coverage available. Mercury’s difference in conditions policy can help fill in the gaps left by the FAIR Plan and provide San Bernardino homeowners with high wildfire risk properties added financial protection.
| Bankrate Score | 3.6 |
| J.D. Power | 586/1,000 |
| AM Best Rating | A |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why Auto Club made our list: Although it’s best known for its roadside assistance, AAA can also help out homeowners. In fact, Auto Club rewards members with policy discounts for having other AAA products like roadside assistance, auto insurance and identity theft protection.
Why Auto Club may be the best for AAA members: Auto Club’s California home insurance policies are pretty standard. It advertises a couple of endorsements like service line coverage and added coverage for green homes, as well as a couple of discounts. Auto Club home insurance may be worth looking into if you are already a AAA member, but it might not be worth getting a membership solely for a home policy.
| Bankrate Score | 4.2 |
| J.D. Power | 671/1,000 |
| AM Best Rating | A+ |
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest home insurance companies in San Bernardino
San Bernardino’s cost of living is one of the lowest in California. Coupled with a higher median household income, San Bernardino homeowners may have more discretionary income than homeowners in neighboring counties. However, more money in your pocket doesn’t always mean you want to spend it on home insurance. For homeowners looking to pay less for insurance, Bankrate found the cheapest home insurance companies for several different dwelling coverage limits.
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Armed Forces
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Armed Forces
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$104
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$104
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$1,253
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$1,253
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$112
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$112
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$1,346
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$1,346
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$153
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$153
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$1,839
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$1,839
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$161
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$161
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$1,931
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$1,931
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$172
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$172
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$2,060
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$2,060
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Armed Forces
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Armed Forces
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$178
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$178
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$2,139
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$2,139
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$263
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$263
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$3,151
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$3,151
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$265
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$265
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$3,178
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$3,178
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Compare home insurance rates
Answer a few questions to see personalized rates from top carriers.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is home insurance in San Bernardino, California?
Despite how high-risk of a state California is for insurance, its rates are on the lower end of the spectrum. The average cost of home insurance in California is $1,674 per year for $300,000 in dwelling coverage. This is about 28 percent less than the national average cost of $2,329. To compare, the average cost of home insurance in San Bernardino is $2,104.
California’s low rates are a contributing factor to the current insurance crisis plaguing the state. California state legislation currently prevents insurance companies from raising rates to amounts that accurately reflect the risks (particularly wildfire risks) of insuring California property. Without the recourse to raise rates, insurers have little option but to scale back coverage availability.
San Bernardino rates by home age
Home insurance is an individual product, and the cost of your policy will depend on a few different things. The age of your home (and roof) is one of them. Typically, older homes cost more to insure, as they could be more prone to damage and more expensive to repair. However, your rates will vary from company to company.
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Armed Forces
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Armed Forces
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$1,148
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$1,148
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$1,217
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$1,217
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$1,242
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$1,242
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$1,128
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$1,128
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$674
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$674
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$1,394
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$1,394
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$1,517
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$1,517
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$1,527
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$1,527
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$1,313
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$1,313
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$818
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$818
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Auto Club
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Auto Club
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$1,338
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$1,338
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$1,385
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$1,385
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$1,362
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$1,362
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$1,300
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$1,300
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$1,171
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$1,171
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$1,736
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$1,736
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$1,671
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$1,671
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$1,665
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$1,665
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$1,597
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$1,597
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$1,154
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$1,154
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$1,641
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$1,641
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$1,664
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$1,664
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$1,616
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$1,616
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$1,471
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$1,471
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$1,254
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$1,254
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San Bernardino rates by deductible amount
If you’re looking for cheap home insurance in San Bernardino, you might want to think about raising your deductible. Your deductible represents your financial responsibility in case of claimable damage. By shifting some of the financial responsibility away from your insurance company, you may be rewarded with a cheaper rate. However, it’s important to avoid raising your deductible to an amount you may not be able to afford.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Bankrate Scores
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
