In San Bernardino, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. If you're focused on price, Allstate provides the lowest premium at around $121 per month.
Cheap Home Insurance in San Bernardino
Updated: June 13, 2025
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Key Takeaways
For homeowners in San Bernardino, State Farm provides the best overall value, while Allstate delivers the most affordable coverage at $1,449 annually.
On average, home insurance in San Bernardino costs $161 per month, or $1,927 per year.
To get the best and cheapest home insurance in San Bernardino, assess your coverage needs, research insurers and compare quotes thoroughly.
Best Cheap Home Insurance Companies in San Bernardino
| State Farm | 83 | $144 | $1,729 |
| Allstate | 83 | $121 | $1,449 |
| Farmers | 78 | $137 | $1,647 |
| Travelers | 74 | $161 | $1,936 |
| Chubb | 69 | $198 | $2,374 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does San Bernardino Home Insurance Cost?
Home insurance costs in San Bernardino vary by personal profile, coverage level and home details. Rates range from $46 to $557 per month. Below, you can compare personalized rates tailored to your home's age and the coverage level you desire.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $46 | $553 |
How to Get the Best Cheap Home Insurance in San Bernardino
Finding affordable home insurance in San Bernardino can be challenging. We've created a step-by-step guide to help you discover the best and most affordable homeowners insurance options for your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes and prevents agents from upselling you.
- 2
Research Cost and Discounts
Researching average home insurance costs in California by city and profile gives you a baseline for comparison shopping. Knowing which discounts you qualify for also helps you find insurers offering better rates.
- 3
Compare Company Offerings and Reputations
Beyond cost, check add-on coverages and company reputation to make a well-rounded decision. Useful resources include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Evaluating quotes on an apples-to-apples basis helps you identify the most affordable option for the same coverage level. Prices vary by source, so using online tools, independent agents and captive agents maximizes potential savings.
Best Home Insurance in San Bernardino: Bottom Line
The top three best and cheapest home insurance providers in San Bernardino are State Farm, Allstate and Farmers. While these are our recommendations, do your own research and compare multiple quotes to ensure you're getting the best deal.
San Bernardino Home Insurance: FAQ
Below, we answer frequently asked questions about home insurance in San Bernardino.
Who offers the best home insurance in San Bernardino?
Our top pick for home insurance in San Bernardino is State Farm for its affordable premiums, high customer satisfaction and extensive coverage options. Also consider quotes from Allstate, Farmers, Travelers and Chubb.
Who has the cheapest home insurance in San Bernardino?
Allstate has the most affordable home insurance for the average homeowner in San Bernardino, costing about $121 per month or $1,449 per year. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in San Bernardino?
Home insurance costs in San Bernardino range from $553 to $6,681 annually, with rates influenced by factors like coverage level and home age.
How We Decided the Best Cheap Home Insurance Companies in San Bernardino
MoneyGeek’s study analyzed home insurance premiums from 10 companies in San Bernardino. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.