San Bernardino has 222,724 residents in 64,199 households. We list 10 insurance agencies in San Bernardino. Here is what the local numbers say about the cover people here need.

San Bernardino at a glance

10insurance agencies listed
50%of households rentRenters insurance
$422,300median home valueHome insurance
1973median year homes were builtRebuild cost calculator
6.8%of households have no carAuto insurance
6.6%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in San Bernardino County

FEMA rates the overall natural hazard risk in San Bernardino County, where most San Bernardino agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

WildfireVery High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in California
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
EarthquakeVery High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in California
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in California

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in California How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

What San Bernardino agencies can write

Share of the 10 agencies listed in San Bernardino that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where San Bernardino agencies are

San Bernardino agencies we list sit in 4 ZIP codes, mostly in San Bernardino County.

924085 agencies
924042 agencies
924072 agencies
924011 agency

Questions

Insurance agencies in San Bernardino

How do I find an insurance agency in San Bernardino?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in San Bernardino?

FEMA's National Risk Index rates inland flooding risk in San Bernardino County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in San Bernardino?

50% of households in San Bernardino rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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