Car Insurance in San Bernardino
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Low-Cost Coverage You Can Trust
There is so much to see and do in this city that you’ll need a car to check everything out. And that means getting the right car insurance. Keep reading to discover everything you need to know about car insurance in San Bernardino.
Quick Facts
- In 2019, there were 35 traffic-related fatalities
- The average cost of car insurance in San Bernardino is $122.15
How Much Is Car Insurance in San Bernardino?
While it’s fun to drive in the sun in San Bernardino, it’s important to get the right price on your car insurance. The average cost of car insurance in the city is $122.15. That’s good news for drivers: that price is lower than both the average cost of car insurance in California ($131.62) and the nation as a whole ($135.11).
While San Bernardino has a reasonable average car insurance price, how does it compare to the rest of California? To find out, we compiled the average car insurance costs of other major cities within the state:
| California Cities | Monthly Average Rate |
|---|---|
| Fresno | $115.04 |
| Los Angeles | $174.36 |
| Sacramento | $129.79 |
| San Diego | $109.90 |
| San Francisco | $155.64 |
As you can tell, San Bernardino doesn’t boast the lowest prices in the state. But the cost of car insurance in the city is very competitive.
San Bernardino Car Insurance Rates by Zip Code
Moving around California is a surefire way to change how much you pay for car insurance. But many drivers within the state are surprised to discover that you don’t have to move very far!
There are different average car insurance prices in the different zip codes of every city in the country. Below, we have info on the average car insurance prices that drivers pay in various San Bernardino zip codes:
| ZIP Code | Average Monthly Rate |
|---|---|
| 92401 | $125.94 |
| 92404 | $122.63 |
| 92405 | $129.05 |
| 92407 | $119.24 |
| 92408 | $115.50 |
| 92410 | $126.67 |
| 92411 | $111.31 |
| 92415 | $59.92 |
| 92423 | $150.98 |
| 92427 | $202.51 |
San Bernardino Car Insurance Rates by Age
The exact price you pay for car insurance each month depends on many different factors, and where you live is only one such factor. Another major factor is the age of the driver!
So, how much can San Bernardino drivers expect to pay for car insurance based on their age? Below, we have a breakdown of different average car insurance prices by age within the city.
| Age | Average Monthly Rate |
|---|---|
| Teenagers | $194.34 |
| 20s | $153.54 |
| 30s | $98.90 |
| 40s | $89.90 |
| 50s | $95.61 |
| 60s | $96.52 |
| 70s | $104.45 |
Driving Conditions in San Bernardino
How Many Fatal Accidents Happen in San Bernardino?
In 2019, there were 35 traffic-related fatalities. This was as a result of 30 different fatal traffic accidents that year.
How Are the Road Infrastructure and Bridges in San Bernardino?
Generally, the road infrastructure in San Bernardino is fairly healthy. However, the city is undergoing various projects to improve other parts of the infrastructure. This includes a $37 million investment in Community College District projects. Additionally, Aguilar recently a $500,00 project to improve water infrastructure quality for the city.
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Minimum Car Insurance Requirements in San Bernardino
It’s fairly common knowledge that you need to have liability insurance to drive around San Bernardino or anywhere else in California. What is less common, though, is knowledge about the minimum level of car insurance you need.
In San Bernardino, these are the minimum insurance requirements:
- $30,000 for injury/death to one person
- $60,000 for injury/death to more than one person
- $15,000 for property damage
Don’t forget that beyond these limits, you will need to pay for any remaining damage from accidents you have caused. This is why we always caution drivers to get more than the minimum level of insurance. For example, you can get better protection for your car by getting collision coverage on your policy.
Factors Allowed in San Bernardino Car Insurance Rates
Now you now know that age and location are two of the factors that influence the cost of your monthly insurance premium. But do you know the other factors that the state of California allows carriers to use when setting your insurance premium?
Below, we have the other factors carriers can use:
- Age
- Zipcode
- Education & occupation
- Marital status
Some good news for California drivers: the state put its foot down, and insurance carriers are not allowed to consider the following factors when setting your insurance prices.
- Credit score
- Gender
Discounts for Car Insurance in San Bernardino
One of the simplest ways you can lower your car insurance bill is to contact your insurance carrier and ask about discounts you may qualify for. Below, we have a list of common discounts offered by carriers in San Bernardino:
-
Discount for safe driving
-
Discount for installing anti-theft devices
-
Discount for being a college student
-
Discount for military service
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Discount for having multiple policies with the same carrier
-
Discounts for being mature, retired, or a senior citizen
As we like to remind drivers, this is only a list of common discounts available. It’s important to call your carrier directly to find out what they offer!
What Are the Penalties for Driving Without Insurance in San Bernardino?
For the most part, car insurance is a self-regulating system. If drivers don’t have enough insurance, they end up paying (quite literally) for that in the event of an accident.
But what happens if you are caught driving without any kind of car insurance? In that case, you must face a different set of fees and punishments.
With the first offense, your fine will range from $100-$200. Get a second offense within three years, and the fine goes to $200-$500. And as always, the court may assign additional fees and penalties if they feel this is necessary!
Get a San Bernardino Car Insurance Quote Today!
We know that you are ready and eager to drive all around San Bernardino. Before you grab those keys, though, it’s important to make sure you have the right car insurance coverage.
Here at Freeway Insurance, we’re here to offer the best car insurance in San Bernardino. You can get started with a quote online. Or you can come and visit us at a local office near you. And don’t forget, you can always pick up a phone and call us at (800) 777-5620 for a quote!