Cheap Car Insurance in San Bernardino, CA

Written by Xuyun Zeng and 1 other
Updated Mar 25, 2025
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Cheap Car Insurance in San Bernardino, CA

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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.

Cheapest minimum coverage in San Bernardino

These are the cheapest minimum coverage quotes that drivers in San Bernardino have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$42 $506 Aspire Advantage 33 October 14, 2024 San Bernardino, CA 92407
$44 $533 Aspire Advantage 41 November 24, 2024 San Bernardino, CA 92404
$46 $550 Aspire Advantage 55 December 16, 2024 San Bernardino, CA 92405
$49 $588 Aspire Advantage 34 January 30, 2024 San Bernardino, CA 92407
$50 $595 Aspire Advantage 35 December 30, 2024 San Bernardino, CA 92407
$51 $607 National General 51 September 27, 2024 San Bernardino, CA 92404
$51 $607 Aspire Advantage 56 February 29, 2024 San Bernardino, CA 92407
$51 $611 Aspire Advantage 51 July 13, 2024 San Bernardino, CA 92407
$52 $623 Aspire Advantage 34 December 12, 2024 San Bernardino, CA 92407
$52 $624 Aspire Advantage 49 September 20, 2024 San Bernardino, CA 92405
Last Updated May 9, 2025

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 full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

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 Policy
City, State
ZIP Code
$64 $774 Progressive 70 April 29, 2025 San Bernardino, CA 92404
$80 $964 National General 33 February 15, 2025 San Bernardino, CA 92407
$84 $1,002 Aspire Advantage 31 January 10, 2024 San Bernardino, CA 92407
$115 $1,376 Aspire Advantage 65 November 18, 2024 San Bernardino, CA 92405
$130 $1,557 Aspire Advantage 55 December 9, 2024 San Bernardino, CA 92411
$130 $1,561 Aspire Advantage 63 July 8, 2024 San Bernardino, CA 92407
$136 $1,637 Aspire Advantage 36 September 21, 2024 San Bernardino, CA 92407
$138 $1,657 National General 54 March 1, 2025 San Bernardino, CA 92405
$139 $1,670 National General 40 October 8, 2024 San Bernardino, CA 92405
$143 $1,718 Aspire Advantage 63 March 20, 2025 San Bernardino, CA 92407
Last Updated May 9, 2025

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 Policy
City, State
ZIP Code
$59 $711 National General 27 No December 7, 2024 San Bernardino, CA 92405
$63 $752 Aspire Advantage 29 No September 6, 2024 San Bernardino, CA 92410
$63 $753 National General 28 No December 14, 2024 San Bernardino, CA 92404
$63 $754 National General 28 No November 13, 2024 San Bernardino, CA 92407
$66 $790 Aspire Advantage 27 No November 12, 2024 San Bernardino, CA 92410
Last Updated May 9, 2025

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 around regularly to find the cheapest insurance 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 Policy
City, State
ZIP Code
$42 $506 Aspire Advantage 33 No October 14, 2024 San Bernardino, CA 92407
$44 $533 Aspire Advantage 41 No November 24, 2024 San Bernardino, CA 92404
$49 $588 Aspire Advantage 34 No January 30, 2024 San Bernardino, CA 92407
$50 $595 Aspire Advantage 35 No December 30, 2024 San Bernardino, CA 92407
$51 $607 National General 51 No September 27, 2024 San Bernardino, CA 92404
Last Updated May 9, 2025

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 Policy
City, State
ZIP Code
Has Full Coverage
$45 $537 Aspire Advantage 55 April 3, 2025 San Bernardino, CA 92410 No
$46 $550 Aspire Advantage 55 December 16, 2024 San Bernardino, CA 92405 No
$51 $607 Aspire Advantage 56 February 29, 2024 San Bernardino, CA 92407 No
$57 $688 National General 60 February 10, 2025 San Bernardino, CA 92405 No
$62 $742 Aspire Advantage 61 January 9, 2024 San Bernardino, CA 92407 No
Last Updated May 9, 2025

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 Policy
Has Full Coverage
City, State
ZIP Code
$42 $506 Aspire Advantage 33 October 14, 2024 No San Bernardino, CA 92407
$44 $533 Aspire Advantage 41 November 24, 2024 No San Bernardino, CA 92404
$45 $537 Aspire Advantage 55 April 3, 2025 No San Bernardino, CA 92410
$46 $550 Aspire Advantage 55 December 16, 2024 No San Bernardino, CA 92405
$50 $595 Aspire Advantage 35 December 30, 2024 No San Bernardino, CA 92407
$51 $607 National General 51 September 27, 2024 No San Bernardino, CA 92404
$51 $607 Aspire Advantage 56 February 29, 2024 No San Bernardino, CA 92407
$51 $611 Aspire Advantage 51 July 13, 2024 No San Bernardino, CA 92407
$52 $623 Aspire Advantage 34 December 12, 2024 No San Bernardino, CA 92407
$52 $624 Aspire Advantage 49 September 20, 2024 No San Bernardino, CA 92405
Last Updated May 9, 2025

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 With No Injury $70 $838 Aspire Advantage 32 No January 2, 2025 San Bernardino, CA 92410
At Fault With Injury $73 $871 Aspire Advantage 50 No January 1, 2025 San Bernardino, CA 92407
At Fault With No Injury $73 $877 Aspire Advantage 62 No May 7, 2024 San Bernardino, CA 92407
At Fault With No Injury $84 $1,008 Aspire Advantage 68 No December 1, 2023 San Bernardino, CA 92404
At Fault With No Injury $89 $1,064 Progressive 36 No February 5, 2025 San Bernardino, CA 92404
Last Updated May 9, 2025

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 Policy
City, State
ZIP Code
Speeding under 15 $49 $588 Aspire Advantage 34 January 30, 2024 San Bernardino, CA 92407
Speeding under 15 $61 $728 National General 49 April 3, 2025 San Bernardino, CA 92404
Speeding under 15 $70 $840 Aspire Advantage 65 July 30, 2024 San Bernardino, CA 92407
Speeding under 15 $74 $891 Aspire Advantage 67 July 29, 2024 San Bernardino, CA 92405
Speeding under 15 $84 $1,008 National General 31 December 8, 2024 San Bernardino, CA 92405
Last Updated May 9, 2025

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 Policy
City, State
ZIP Code
DUI $89 $1,065 National General 28 February 22, 2025 San Bernardino, CA 92404
DUI $106 $1,269 Bristol West 42 June 12, 2024 San Bernardino, CA 92404
DUI $253 $3,032 Aspire Advantage 49 May 6, 2024 San Bernardino, CA 92405
DUI $380 $4,556 Bristol West 32 March 1, 2025 San Bernardino, CA 92404
DUI $485 $5,820 Aspire Advantage 30 March 15, 2024 San Bernardino, CA 92410
Last Updated May 9, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.