Progressive Insurance in San Bernardino, CA – Affordable Policies with Local Service
Why Choose a Progressive Insurance Agent in San Bernardino, CA?
Working with a Progressive Insurance agent in San Bernardino means you benefit from local expertise and personal service, backed by Progressive’s national reputation for reliability and innovation.
San Bernardino residents face unique risks, from wildfire threats to dense urban traffic, so having a local agent ensures your coverage is tailored for your lifestyle and neighborhood. With Progressive, you get the peace of mind of a leading national carrier, plus the convenience and support of a San Bernardino-based agent who understands your needs.
California Auto Insurance Coverage with Progressive
Progressive offers a full range of auto insurance options for San Bernardino drivers, including:
Liability Coverage: Meets California’s 2025 minimums-$30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage per accident.
Collision & Comprehensive: Protects your vehicle from accidents, theft, vandalism, and natural disasters.
Uninsured/Underinsured Motorist: Covers your injuries if hit by a driver with insufficient insurance (offered but can be declined).
Rideshare Endorsements: Essential for Uber, Lyft, and delivery drivers.
SR-22 Filings: Progressive can handle SR-22 requirements for drivers needing proof of insurance for license reinstatement.
Homeowners, Renters & Condo Insurance in San Bernardino
San Bernardino homeowners and renters face wildfire, earthquake, and theft risks. Progressive provides:
Homeowners Insurance: Covers your dwelling, belongings, and liability, with options to add wildfire and earthquake coverage through specialty partners.
Renters Insurance: Protects personal property and liability, with affordable add-ons for valuables and water backup.
Condo Insurance: Covers what your HOA doesn’t, including personal property and interior structures.
Mobile Home Insurance: Customized for manufactured homes, with options for natural disaster protection.
Commercial Insurance Solutions for California Businesses
Progressive offers robust commercial insurance for San Bernardino businesses, including:
General Liability: Protects against lawsuits and third-party claims.
Commercial Auto: Covers business vehicles, from cars to large trucks.
Workers’ Compensation: Required for most businesses with employees.
Business Owner’s Policies (BOPs): Bundles property and liability coverage for small businesses.
Bundle and Save: Progressive Multi-Policy Discounts in San Bernardino
Save more by bundling your policies:
Auto + Home: Save an average of 7% on your auto policy when you bundle with home insurance.
Renters + Auto: Additional savings for combining renters and auto policies.
Umbrella Policies: Add extra liability protection and qualify for more discounts.
Multi-Car: Save when you insure more than one vehicle on your policy.
Wildfire, Earthquake & Flood Insurance Considerations in California
Standard homeowners policies typically exclude earthquake and flood damage. Progressive helps you:
Pair with Earthquake Insurance: Available through specialty partners for homeowners, renters, and condo owners.
Add Flood Insurance: Offered via the National Flood Insurance Program (NFIP) or private insurers for at-risk areas.
Customize Wildfire Coverage: Included in most standard policies, but may require higher deductibles or special endorsements in high-risk zones.
24/7 Claims Support Backed by Local Agent Service
Progressive’s national claims network is available 24/7 for auto, home, and business policies. Your San Bernardino agent provides local, personal support-helping you file, track, and resolve claims with someone who knows your community
How to Get a Progressive Insurance Quote in San Bernardino
Getting a quote is easy:
Online: Get a quote anytime using Progressive’s online tools.
Phone: Call a licensed agent for personalized service.
In-Person: Visit your local San Bernardino Progressive agent for face-to-face support.
Customized Coverage for California Drivers and Homeowners
Progressive policies are flexible-choose your limits, add endorsements, and tailor coverages for urban, suburban, or wildfire-prone areas. Options include higher liability, rideshare coverage, and extra protection for valuables.
California Insurance Laws and Minimum Requirements
As of 2025, California’s auto insurance minimums are:
$30,000 bodily injury per person
$60,000 bodily injury per accident
$15,000 property damage per accident
California is an at-fault state, so the responsible driver pays for damages after an accident. Lenders may require additional property coverages, and earthquake insurance is recommended but not mandatory.
Ready to protect what matters?
Contact your San Bernardino Progressive Insurance agent for a free, no-obligation quote-online, by phone, or in person-and experience local service with national strength.
| Coverage Type | What It Covers | San Bernardino Relevance |
|---|---|---|
| Auto Insurance | Liability, collision, comprehensive, uninsured motorist, SR-22, rideshare endorsements | Vital for commuters on I-215, I-10, and rideshare drivers in the Inland Empire |
| Homeowners Insurance | Dwelling protection, personal property, liability, wildfire & theft add-ons | Essential due to wildfire risk and increasing property crime in San Bernardino neighborhoods |
| Renters & Condo Insurance | Covers belongings, loss of use, and personal liability | Ideal for apartment dwellers and students near CSUSB and downtown |
| Commercial Insurance | General liability, BOPs, commercial auto, workers’ comp | Great for local contractors, food trucks, retail stores, and sole proprietors |
| Bundle Discounts | Savings when bundling auto + home, renters + auto, or umbrella coverage | Helps families in San Bernardino save on multiple policies |
| Specialty Risks | Wildfire, earthquake, and flood insurance add-ons | Important for hillside homes and flood-prone areas near the Santa Ana River |
| Claims & Support | 24/7 national claims service with local agent assistance | Combines Progressive’s speed with personalized, in-town service |
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FAQs for Progressive Insurance Agent in San Bernardino, CA
Are Progressive’s online rates the same as rates from a San Bernardino agent?
No. Rates may differ when buying online versus through a local agent, as agent-sold policies include commission. Both options provide access to Progressive’s 24/7 claims support and online services.
What payment options are available for Progressive auto insurance?
You can pay online, through the Progressive app, by phone, text, automatic payments, or by mail using various methods such as credit card, PayPal, check, money order, or EFT.
Can I make changes to my auto policy before renewal?
Yes. You can add or remove vehicles or drivers, change addresses, and more at any time online or by calling Progressive. Some changes may affect your premium.
Does Progressive cover rental cars?
Your Progressive auto policy may extend to rental cars, depending on your coverage. If you have comprehensive coverage, it typically applies to rental vehicles as well.
Can I insure a car that’s not in my name?
In most cases, yes, as long as the vehicle is regularly parked at your residence.
How quickly do policy changes take effect?
Most policy changes are effective immediately, but you may be able to select a future effective date for some changes.
Can I cancel my Progressive policy online?
Auto policies cannot be cancelled online, but you can cancel by phone, mail, or email.
Does Progressive offer homeowners, renters, condo, and mobile home insurance in San Bernardino?
Yes. Progressive offers all these coverages, including for manufactured homes, with policies underwritten by a network of partner companies.
How can I get a home, renters, or condo insurance quote?
You can get a quote online 24/7, by phone, or through your local San Bernardino agent.
Does Progressive cover wildfire, earthquake, and theft risks in California?
Standard homeowners policies cover wildfire and theft. Earthquake and flood coverage are typically excluded but can be added through specialty partners.
Who underwrites Progressive homeowners insurance in California?
Progressive uses a network of home insurance companies, so your provider may vary based on location.
How do I file a claim with Progressive in San Bernardino?
You can file a claim online, via the Progressive app, by phone, or through your local agent. Claims support is available 24/7.
Can I choose any repair shop for my claim?
Yes. You may use any repair shop you like. Progressive guarantees repairs at network shops for as long as you own or lease your vehicle.
What are California’s minimum auto insurance requirements for 2025?
$30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage per accident.
Is earthquake insurance required for homeowners in California?
No, but it is recommended. Standard policies generally exclude earthquake and flood damage.
Can I make changes to my Progressive policy online?
Yes, you can make many changes online, including updating vehicles, drivers, and addresses.
Can I switch insurance companies before my renewal date?
Yes, you can switch at any time, even if you recently renewed with another insurer. Unused premium is refunded.
Blake Nwosu
Owner & Principal Agent
Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed