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Best cheap home insurance in San Bernardino in 2025
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The best home insurance companies in San Bernardino
San Bernardino homeowners may struggle to insure their homes. According to Risk Factor, 58 percent of all properties in San Bernardino are at serious risk for wildfire damage at some point in the next 30 years. The elevated risk, together with some of California's largest home insurers either leaving the state or dramatically scaling back coverage, can make finding a San Bernardino home insurance policy a challenge. If you’re having difficulty securing a policy, Bankrate’s insurance editorial team can help. Our seasoned insurance experts have done the research for you and identified USAA, Chubb, Mercury and Auto Club as the best home insurance companies in San Bernardino.
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest home insurance companies in San Bernardino
San Bernardino’s cost of living is one of the lowest in California. Coupled with a higher median household income, San Bernardino homeowners may have more discretionary income than homeowners in neighboring counties. However, more money in your pocket doesn’t always mean you want to spend it on home insurance. For homeowners looking to pay less for insurance, Bankrate found the cheapest home insurance companies for several different dwelling coverage limits.
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How much is home insurance in San Bernardino, California?
Despite how high-risk of a state California is for insurance, its rates are on the lower end of the spectrum. The average cost of home insurance in California is $1,674 per year for $300,000 in dwelling coverage. This is about 28 percent less than the national average cost of $2,329. To compare, the average cost of home insurance in San Bernardino is $2,104.
California’s low rates are a contributing factor to the current insurance crisis plaguing the state. California state legislation currently prevents insurance companies from raising rates to amounts that accurately reflect the risks (particularly wildfire risks) of insuring California property. Without the recourse to raise rates, insurers have little option but to scale back coverage availability.
San Bernardino rates by home age
Home insurance is an individual product, and the cost of your policy will depend on a few different things. The age of your home (and roof) is one of them. Typically, older homes cost more to insure, as they could be more prone to damage and more expensive to repair. However, your rates will vary from company to company.
San Bernardino rates by deductible amount
If you’re looking for cheap home insurance in San Bernardino, you might want to think about raising your deductible. Your deductible represents your financial responsibility in case of claimable damage. By shifting some of the financial responsibility away from your insurance company, you may be rewarded with a cheaper rate. However, it’s important to avoid raising your deductible to an amount you may not be able to afford.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Bankrate Scores
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
