Best & Cheapest Homeowners Insurance in San Bernardino, CA June, 2024

In San Bernardino, Allstate offers the most affordable homeowners insurance, with an average annual cost of $1,672.

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Updated: 05 May 2024
Written by
Bob Phillips
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After conducting a thorough evaluation of home insurance options in San Bernardino, California, we found that Allstate offers the most economical choice, with an average yearly premium of $1,672. However, it’s important to note that the best insurer for you may vary based on your specific circumstances and needs.

For instance, if you own an older home, State Farm provides competitive rates at $1,709 annually, along with comprehensive coverage. On the other hand, if you have a newly constructed home, Allstate offers the most cost-effective solution at $1,194 per year.

Additionally, if you have a significant amount of personal property requiring protection, USAA is the preferred choice, offering extensive coverage at a reasonable rate of $1,788 per year.

At Insuranceopedia, our comprehensive analysis aims to help you find the ideal home insurance coverage. By comparing customer ratings, assessing personal experiences, and providing comparison charts, we strive to give you all the necessary information to make a well-informed decision.

How much is homeowners insurance in San Bernardino, CA?

Allstate provides the most budget-friendly homeowners insurance rate in San Bernardino, with an annual cost of $1,672.

Below, you can see that the rates in San Bernardino are higher than the national average. The rates are also higher than the state of California average.

Area Average Monthly Rate
National $1,820
California $2,008
San Bernardino $2,316

It’s important to understand that insurance rates are not static; they can vary significantly based on several factors.

Cheapest Homeowners Insurance in San Bernardino, CA, 2024

Cheapest Homeowners Insurance, San Bernardino, 2024

Our Methodology

To find the most affordable home insurance rates in San Bernardino, we gathered data from various home insurance review websites. Some of these sources analyzed rates obtained from public filings via Quadrant Information Services. For this review, we averaged those rates, but it's important to note that each company's rates can fluctuate regularly and depend on individual circumstances. Additionally, the overall rating reflects my subjective opinion, based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

Research Hours

Cheapest homeowners insurance in San Bernardino, CA

Allstate stands out as the most affordable choice for homeowners insurance in San Bernardino, California, offering an average annual rate of $1,672.

Company Annual Premium
Allstate $1,672
Nationwide $1,739
Travelers $1,815
State Farm $2,647
Chubb $3,099

The cost of your insurance policy is affected by various factors such as your location, the value of your home, and your claims history. Allstate provides a well-rounded combination of affordability and comprehensive coverage.

Cheapest Homeowners Insurance If You Have an Older Home

For owners of older homes, State Farm offers the most cost-effective option, with an average annual rate of $1,709

Insurance Company Average Annual Premium
State Farm $1,709
AAA $1,876
Nationwide $1,989
Travelers $2,124
Chubb $2,780

Historic houses often come with specific issues and maintenance needs that can lead to higher insurance costs. However, State Farm offers affordable rates and comprehensive protection tailored to meet the specific requirements of older homes.

Cheapest Homeowners Insurance for Newly Constructed Homes

For homeowners who take pride in their newly built houses, Allstate stands out as the most cost-effective choice, providing an average yearly rate of $1,194.

Insurance Company Average Annual Premium
Allstate $1,194
Travelers $1,292
Farmers $1,807
State Farm $1,881
Chubb $2,210

Newly constructed homes often require specialized coverage compared to older properties, and Allstate is known for its ability to offer affordable policies tailored to meet these unique needs.

Cheapest Home Insurance Rates for Lots of Personal Property

If you have a significant amount of personal property, USAA offers the most affordable option, with an average yearly rate of $1,788.

Insurance Company Average Annual Premium
USAA $1,788
Allstate $1,814
Nationwide $2,000
Farmers $2,734
State Farm $2,867

As your personal property holdings increase, your coverage needs also grow, which can lead to higher premiums. However, USAA addresses this by offering comprehensive coverage at reasonable rates, ensuring that all your possessions are adequately protected.

Best Homeowners Insurance Companies in San Bernardino, CA

Choosing the right homeowners insurance is not just a necessity; it’s a decision that requires careful consideration. San Bernardino features a diverse range of properties, reflecting the diversity of its residents. Therefore, finding an insurer that offers comprehensive coverage at competitive prices is essential.

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in San Bernardino, California. Our evaluation takes into account factors such as annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Explore our comparison chart below to find the perfect fit for your home insurance needs.

Company Annual Premium
1. Allstate $1,672
2. Nationwide $1,739
3. Travelers $1,815
4. State Farm $2,647
5. Chubb $3,099
6. Universal North America $1,790
7. AIG $2,284
8. Farmers $2,516

Average Home Insurance Rates by Zip Codes

Home insurance costs in San Bernardino, CA can vary widely depending on the zip code. Below, you’ll find tables showing rates for different zip codes in San Bernardino, along with details about the least and most expensive zip codes for annual home insurance premiums in the area.

ZIP Code Average Insurance Premium (Annual)
92376 $971
92401 $982
92354 $953
92410 $1,011
92403 $1,013
92407 $1,003

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
92376 $971
92401 $982
92354 $953

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
92410 $1,011
92403 $1,013
92407 $1,003

Average Home Insurance Rates in San Bernardino, CA by Deductible Amount

The deductible amount you choose for a homeowners insurance policy significantly affects the premium rates in San Bernardino, CA. Here’s how the average home insurance rates vary for different deductible amounts:

Deductible Amount Annual Rate
$500 $1,023
$1,000 $916
$1,500 $860
$2,000 $776
$5,000 $654

Average Home Insurance Rates in San Bernardino, CA By Coverage Amount

A key factor that impacts your premium is the dwelling coverage amount, representing the maximum your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

Let’s take a look at a comparison chart showing the average annual premiums for homeowners insurance based on different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $920
$250,000 $978
$300,000 $1,004
$350,000 $1,237
$400,000 $1,378

Average Home Insurance Rates in San Bernardino, CA by Company

Here is a table comparing the annual premiums from some of the leading insurance companies in San Bernardino.

Company Annual Premium
Allstate $1,672
Nationwide $1,739
Travelers $1,815
State Farm $2,647
Chubb $3,099
Universal North America $1,790
AIG $2,284
Farmers $2,516

How Much is Homeowners Insurance for Other Cities in California?

Below is a comprehensive comparison chart highlighting the most affordable companies and their yearly premiums across different cities in California.

City Annual Premium
San Francisco $2,084
Los Angeles $2,613
Riverside $2,234
San Diego $1,736

Getting Online Homeowners Insurance Quotes in California

Platforms like Insuranceopedia provide convenient access to finding the perfect coverage tailored to your specific needs with just a few clicks. By offering quick online quotes from reliable insurers, Insuranceopedia allows you to easily compare rates.

Simply enter your information, and we’ll take care of the rest, presenting you with a range of options customized to your preferences. This gives you the confidence to choose a policy that offers the best value, balancing cost and comprehensive coverage.

FAQs

Who has the cheapest home insurance in San Bernardino, CA?

In San Bernardino, California, Allstate offers the most affordable home insurance option, with an annual premium of $1,672

What is the average cost of home insurance in San Bernardino, CA?

On average, homeowners insurance in San Bernardino, California, costs around $2,316 per year.

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