San Bernardino sees heavy traffic on Interstates 10 and 215, with congestion made worse by freight trucks moving through the region. The city’s hot, dry climate can lead to pavement damage and tire blowouts, while wildfire season brings smoke and reduced visibility.
If you’re hitting the road in the Inland Empire, make sure to have proper car insurance coverage in place. We’ve compiled data from Jerry customers in San Bernardino to help drivers determine which companies might offer low rates and understand how your age, driving history and coverage needs might impact the cost of a policy.
More: Best car insurance in California
Cheapest minimum coverage in San Bernardino
These are the cheapest minimum coverage quotes that drivers in San Bernardino have received via Jerry.
California requires drivers to carry these minimum coverages:
- $30,000 per person for bodily injury liability.
- $60,000 for bodily injury per accident for multiple persons injured.
- $15,000 for property damage liability per accident.
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in California
Cheapest full coverage in San Bernardino
San Bernardino residents live with the risk of earthquakes, landslides, and wildfires. If a weather-related event damages your vehicle, minimum coverage won’t pay for your repairs, but full coverage could. These are the cheapest quotes for full coverage that drivers in San Bernardino have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $61 | $737 | 51 | 11/12/25 | 92408 | ||
| $80 | $954 | 39 | 06/17/25 | 92404 | ||
| $80 | $960 | 34 | 08/11/25 | 92410 | ||
| $83 | $996 | 40 | 10/13/25 | 92408 | ||
| $84 | $1,013 | 46 | 10/30/25 | 92404 | ||
| $85 | $1,016 | 50 | 08/26/25 | 92407 | ||
| $86 | $1,030 | 38 | 06/14/25 | 92410 | ||
| $89 | $1,073 | 54 | 09/18/25 | 92411 | ||
| $90 | $1,075 | 38 | 06/05/25 | 92405 | ||
| $95 | $1,142 | 44 | 06/27/25 | 92411 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in San Bernardino (18-29 years old)
Young drivers typically pay more for auto insurance because they lack experience behind the wheel. These are the cheapest quotes that young drivers in San Bernardino have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $53 | $634 | 29 | No | 10/26/25 | 92410 | ||
| $58 | $693 | 28 | No | 07/08/25 | 92405 | ||
| $58 | $701 | 26 | No | 11/07/25 | 92408 | ||
| $60 | $717 | 25 | No | 08/06/25 | 92404 | ||
| $61 | $728 | 28 | No | 10/18/25 | 92405 | ||
| $85 | $1,016 | 50 | 08/26/25 | 92407 | |||
| $86 | $1,030 | 38 | 06/14/25 | 92410 | |||
| $89 | $1,073 | 54 | 09/18/25 | 92411 | |||
| $90 | $1,075 | 38 | 06/05/25 | 92405 | |||
| $95 | $1,142 | 44 | 06/27/25 | 92411 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in San Bernardino (30-54 years old)
Drivers between the ages of 30 and 54 typically pay less in premiums than younger drivers, but it’s still wise to shop for car insurance to find the cheapest policy. These are the cheapest quotes that mature drivers in San Bernardino have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $44 | $529 | 47 | No | 11/20/25 | 92408 | ||
| $45 | $538 | 33 | No | 08/07/25 | 92407 | ||
| $46 | $550 | 51 | No | 11/12/25 | 92408 | ||
| $48 | $572 | 51 | No | 09/12/25 | 92410 | ||
| $48 | $572 | 39 | No | 11/01/25 | 92407 | ||
| $85 | $1,016 | 50 | 08/26/25 | 92407 | |||
| $86 | $1,030 | 38 | 06/14/25 | 92410 | |||
| $89 | $1,073 | 54 | 09/18/25 | 92411 | |||
| $90 | $1,075 | 38 | 06/05/25 | 92405 | |||
| $95 | $1,142 | 44 | 06/27/25 | 92411 |
Cheapest car insurance for older drivers in San Bernardino (55+ years old)
Older drivers in San Bernardino typically pay the least for car insurance, although premiums tend to rise once drivers reach their 70s. These are the cheapest quotes that older drivers in San Bernardino have received through Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $50 | $604 | 56 | 10/15/25 | 92407 | No | ||
| $53 | $633 | 68 | 10/15/25 | 92407 | No | ||
| $55 | $661 | 55 | 06/26/25 | 92411 | No | ||
| $55 | $665 | 55 | 07/12/25 | 92410 | No | ||
| $57 | $685 | 61 | 06/09/25 | 92405 | No | ||
| $85 | $1,016 | 50 | 08/26/25 | 92407 | |||
| $86 | $1,030 | 38 | 06/14/25 | 92410 | |||
| $89 | $1,073 | 54 | 09/18/25 | 92411 | |||
| $90 | $1,075 | 38 | 06/05/25 | 92405 | |||
| $95 | $1,142 | 44 | 06/27/25 | 92411 |
Cheapest car insurance for drivers with clean records in San Bernardino
Drivers with no tickets, accidents or insurance claims typically get lower premiums. Here are the cheapest quotes that drivers with clean driving records have received through Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $44 | $529 | 47 | 11/20/25 | No | 92408 | ||
| $45 | $538 | 33 | 08/07/25 | No | 92407 | ||
| $46 | $550 | 51 | 11/12/25 | No | 92408 | ||
| $48 | $572 | 51 | 09/12/25 | No | 92410 | ||
| $48 | $572 | 39 | 11/01/25 | No | 92407 | ||
| $49 | $591 | 32 | 08/22/25 | No | 92404 | ||
| $50 | $599 | 32 | 09/04/25 | No | 92407 | ||
| $50 | $602 | 47 | 07/31/25 | No | 92407 | ||
| $50 | $604 | 56 | 10/15/25 | No | 92407 | ||
| $51 | $606 | 46 | 06/08/25 | No | 92410 |
Cheapest car insurance for drivers with at-fault accidents in San Bernardino
Drivers in San Bernardino with a recent at-fault accident typically see their rates increase. It’s wise to compare multiple quotes from various insurers to find the cheapest policy. These are the cheapest quotes that drivers in San Bernardino with at-fault accidents have received via Jerry.
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With Injury | $50 | $595 | 46 | No | 10/03/25 | 92408 | ||
| At Fault With Injury | $56 | $670 | 26 | No | 09/05/25 | 92407 | ||
| At Fault With Injury | $58 | $698 | 62 | No | 11/18/25 | 92408 | ||
| At Fault With No Injury | $60 | $716 | 42 | No | 11/07/25 | 92404 | ||
| At Fault With Injury | $60 | $719 | 34 | No | 01/09/25 | 92405 | ||
| $49 | $591 | 32 | No | 92404 | ||||
| $50 | $599 | 32 | No | 92407 | ||||
| $50 | $602 | 47 | No | 92407 | ||||
| $50 | $604 | 56 | No | 92407 | ||||
| $51 | $606 | 46 | No | 92410 |
Cheapest car insurance for drivers with speeding tickets in San Bernardino
Drivers with speeding tickets typically pay more for auto insurance, so it’s a good idea to get multiple quotes before your policy renews to find the cheapest policy. Here are the cheapest quotes that drivers in San Bernardino have received via Jerry.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $56 | $666 | 31 | 06/07/25 | 92411 | ||
| Speeding under 15 | $86 | $1,029 | 34 | 11/13/25 | 92404 | ||
| Speeding over 15 | $90 | $1,079 | 43 | 11/04/25 | 92404 | ||
| Speeding under 15 | $93 | $1,110 | 25 | 09/07/25 | 92407 | ||
| Speeding under 15 | $94 | $1,122 | 31 | 09/10/25 | 92407 | ||
| $49 | $591 | 32 | 08/22/25 | 92404 | |||
| $50 | $599 | 32 | 09/04/25 | 92407 | |||
| $50 | $602 | 47 | 07/31/25 | 92407 | |||
| $50 | $604 | 56 | 10/15/25 | 92407 | |||
| $51 | $606 | 46 | 06/08/25 | 92410 |
Cheapest car insurance for drivers with DUIs in San Bernardino
Drivers with DUIs typically pay higher rates for auto insurance and may have fewer options when it comes to choosing a provider. These are the cheapest quotes that drivers in San Bernardino have received via Jerry.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $58 | $693 | 59 | 06/21/25 | 92404 | ||
| DUI | $79 | $945 | 51 | 06/25/25 | 92407 | ||
| DUI | $86 | $1,033 | 26 | 06/16/25 | 92405 | ||
| DUI | $95 | $1,140 | 39 | 05/31/25 | 92407 | ||
| DUI | $122 | $1,466 | 31 | 06/07/25 | 92405 | ||
| $49 | $591 | 32 | 08/22/25 | 92404 | |||
| $50 | $599 | 32 | 09/04/25 | 92407 | |||
| $50 | $602 | 47 | 07/31/25 | 92407 | |||
| $50 | $604 | 56 | 10/15/25 | 92407 | |||
| $51 | $606 | 46 | 06/08/25 | 92410 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
