Auto Insurance in San Bernardino (92401)
California · Expensive · 97th percentile statewide
Carrier Rates in 92401
6-month premiums from SERFF rate filings. Standard driver profile.
How 92401 Compares
San Bernardino (92401) is expensive for auto insurance in California, ranking in the 97th percentile.
The cheapest carrier is USAA at $652/6mo — 66% less than the most expensive (State Farm at $1,933).
The median premium of $1,131 is 24% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in San Bernardino (92401)?
The median 6-month premium in San Bernardino (92401) is $1,131 across 9 carriers. Premiums range from $652 to $1,933, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 92401?
USAA offers the lowest rate in 92401 at $652/6mo. That's 66% less than the most expensive option (State Farm at $1,933/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 92401?
Auto insurance rates in San Bernardino (92401) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. San Bernardino ranks in the 97th percentile statewide, meaning it's expensive compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
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Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.