Finding the Best Car Insurance in San Bernardino, CA

As a driver in San Bernardino, having reliable auto insurance is key to protecting yourself on the road. But with so many insurance companies to choose from, how do you find the right car insurance for your needs and budget?

Comparing quotes from multiple top insurers is the best way to discover affordable rates. Luckily, San Bernardino drivers have access to some of the lowest priced car insurance in California.

In this guide, we’ll overview:

• Average car insurance costs in San Bernardino
• Minimum CA auto insurance requirements
• Key factors that impact your premiums
• Recommended coverage types to include
• Top car insurers in San Bernardino and California
• How to save money through discounts and comparisons
• Tips for getting the cheapest car insurance rates

Average Cost of Car Insurance in San Bernardino

According to 2021 data from The Zebra, the average annual car insurance rate in San Bernardino, CA is:

• $1,532 per year ($128 per month) across all policy profiles

Rates can vary significantly based on your specific risk factors like driving history, age, vehicle, and coverage limits. Keep reading for ways to find cheaper San Bernardino auto insurance tailored to your situation.

California Minimum Car Insurance Requirements

California law requires all drivers to carry:

• Bodily injury liability: $30,000 per person and $60,000 per accident
• Property damage liability: $5,000 per accident
• Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident

Liability coverage helps pay for injuries or damage you cause in an at-fault accident. Uninsured motorist coverage protects you if you’re hit by a driver with no insurance.

While minimum limits meet state requirements, experts recommend higher 100/300/100 liability and uninsured motorist limits for better protection.

Major Factors Affecting Your Premiums

Car insurance rates in San Bernardino are calculated based on these key risk factors:

• Driving history – tickets, accidents, DUIs cause higher rates
• Age and experience – teens and young drivers pay more
• Vehicle type – insuring sports cars or luxury vehicles costs more
• Location – your garage address and commute route impact risk
• Credit score – drivers with poor credit pay more
• Coverage limits – higher liability and deductibles affect premiums
• Distance driven – more miles driven raises rate
• Marital status – single drivers may have higher premiums

Comparing quotes gives you the best rates associated with your unique risk profile. Keep reading for ways to get cheap San Bernardino car insurance through discounts and plan comparisons.

Recommended Auto Insurance Coverage

While California requires basic liability and uninsured motorist coverage, there are additional policy types drivers should consider:

• Comprehensive – Covers damage from floods, fires, vandalism, falling objects, storms
• Collision – Pays to repair your vehicle after an accident
• Medical payments – Helps pay medical bills for you and passengers
• Rental reimbursement – Provides money for a rental car while yours is in the shop

Higher deductibles, like $500 or $1000, help reduce premiums. But make sure you can afford the out-of-pocket cost if you need to file a claim.

Top Auto Insurance Providers in San Bernardino

The top car insurance companies in the San Bernardino area include:

• State Farm – Local agents and discounts for new customers
• Geico – Large national insurer with discount opportunities
• Progressive – Competitive rates and bundling for multi-policy discounts
• AAA – Member discounts and top-rated customer service
• Mercury Insurance – Broad coverage and low rates tailored for California drivers

As a San Bernardino driver, having coverage from a top-rated insurer provides peace of mind you’ll receive quality customer service when you need to file a claim.

How to Save on San Bernardino Car Insurance

The easiest way to lower your car insurance premium is to compare quotes annually from new providers. But there are also discounts to take advantage of:

• Good driver – For a clean driving history with no accidents or tickets
• Good student – If you or your teen maintains a B average
• Defensive driver – From taking an approved safe driver course
• Multi-vehicle – Insure all your family vehicles with one company
• Anti-theft devices – Save up to 15% with VIN etching, alarms, tracking
• Auto-pay – Pay premiums automatically from your bank account
• Low mileage – Drive less than 10,000 miles per year

Every insurer offers different discounts, so ask what you may qualify for when getting a quote.

Tips for Finding the Cheapest Car Insurance in San Bernardino

Follow these best practices to get the lowest car insurance rates in San Bernardino:

• Shop rates from at least 3 companies before renewing your policy
• Compare quotes every 6 months as new discounts become available
• Maintain good credit since California insurers use credit-based scores
• Ask about discounts you may be eligible for to lower premiums
• Raise deductibles for comprehensive and collision to reduce costs
• Avoid gaps in coverage to keep continuous insurance discounts
• Limit teen driving with parental monitoring apps to cut young driver risk
• Take a defensive driving course for a potential 10% discount

Finding affordable car insurance takes a bit of work. But by following these tips and comparing rates, San Bernardino drivers can save hundreds per year on premiums.

Compare Customized Quotes From Local Agents

As you shop for the best San Bernardino car insurance rates, be sure to compare quotes from local insurance agents as well.

[Rhodes Insurance Agency] has over 25 years of experience serving San Bernardino drivers. We offer customized quotes, identify savings, and provide superior local service after the sale.

Contact us today to compare top insurers and find affordable auto insurance tailored to your specific coverage needs. We’re here to maximize your savings while simplifying the process.

Frequently Asked Questions

1. How much is car insurance per month in San Bernardino?

On average, car insurance in San Bernardino costs around $128 per month. But your exact rate depends on factors like your age, vehicle, and driving history. Comparing quotes is the best way to find cheap rates.

2. What is the average cost of car insurance in California?

According to 2021 data from The Zebra, the average annual car insurance premium in California is $1,674 which works out to about $140 per month. However, costs vary widely based on your zip code, driving record, and other risk factors.

3. How much car insurance do I need in San Bernardino?

California requires all drivers to carry at least 15/30/5 liability insurance and uninsured motorist coverage. But experts recommend 100/300/100 limits for better protection. Collision and comprehensive are optional but recommended.

4. Who has the cheapest car insurance in San Bernardino?

The cheapest insurance companies in San Bernardino typically include Geico, Progressive, Mercury, and State Farm. But rates are personalized, so the only way to find the lowest price for your situation is to compare customized quotes.

5. How can I lower my San Bernardino car insurance premium?

The best ways to save on San Bernardino car insurance are to maintain a clean driving record, ask about all available discounts, compare quotes regularly, increase your deductible, and shop rates from both local and national insurers.

6. Can I get California car insurance without a driver’s license?

No, you are required to have a valid driver’s license in order to purchase and maintain California car insurance coverage. The insurance company will verify your license status when issuing a policy.