Insurance Agent in San Bernardino, CA
Your local Farmers agent serving San Bernardino, California
Auto, home, renters, life, and business coverage from a nearby Inland Empire office.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteSan Bernardino is the county seat and one of the Inland Empire's biggest cities, home to Cal State San Bernardino, the San Bernardino International Airport, and neighborhoods stretching from downtown up toward the foothills near the Cajon Pass. Our Ontario office is a short drive east on the I-10, so San Bernardino residents can visit us or handle everything by phone and text.
3602 Inland Empire Blvd #C330, Ontario, CA 91764
Office hours: 9:00 to 5:30
Phone: (909) 972-0699
Coverage we write for San Bernardino residents
Auto
San Bernardino drivers use the I-10, I-215, and SR-210 every day, along with the busy truck routes through the Cajon Pass. We help you choose limits and coverages that fit how much you drive.
Auto coverageHomeowners
Homes in north San Bernardino near the foothills can face wildfire and Santa Ana wind exposure. We review dwelling limits, replacement cost, and fire coverage with you.
Home coverageRenters
Renters coverage protects your belongings and gives you personal liability protection, usually for a small monthly cost.
Renters coverageCondo
Your HOA's master policy rarely covers everything inside your unit. We help you close the gap.
Condo coverageLife
Protect your family's income and mortgage with life coverage built around your budget.
Life coverageCoverage for San Bernardino businesses
San Bernardino is a major logistics and transportation hub. We work with warehouses, trucking companies, contractors, and local shops on business, workers' comp, and commercial truck coverage.
Business Insurance
General liability, property, and business owner policies for shops, offices, and service businesses.
Business coverageWorkers' Compensation
California requires employers with employees to carry workers' comp, even with just one employee.
Workers' compCommercial Truck
Coverage for owner-operators and small fleets running the Inland Empire's freight corridors.
Commercial truckContractors
Coverage for electricians, HVAC, plumbers, landscapers, and other trades.
Contractor coverageWhy San Bernardino residents work with a local agent
A real office nearby, not a call center
Our office is in Ontario, a short drive from San Bernardino, so you can stop in and go over your policy face to face. When something happens, you call people who know you.
One agency for home, auto, life, and business
Many of our clients bundle their household policies and also cover their business with us. Having everything in one place makes reviews and claims simpler.
Help with California's changing rules
California raised its minimum auto liability limits to 30/60/15 starting January 1, 2025, and the home insurance market has tightened for many homeowners. We keep you informed when changes affect your coverage.
San Bernardino neighborhoods and ZIP codes we serve
We serve all of San Bernardino, including downtown, north San Bernardino, the area around Cal State San Bernardino, and the airport district, in ZIP codes 92401, 92404, 92405, 92407, 92408, 92410, and 92411. We also help clients in nearby Rialto, Redlands, Fontana, and Riverside.
Curious what coverage might cost first? Try our insurance cost estimator.
Frequently asked questions
Is there a Farmers Insurance agent near San Bernardino, CA?
Yes. Farmers Insurance, Young Douglas serves San Bernardino from our office at 3602 Inland Empire Blvd #C330, Ontario, CA 91764, open 9:00 to 5:30.
Do you insure trucking companies in San Bernardino?
Yes. We work with owner-operators and small fleets on commercial truck coverage, including liability, physical damage, and cargo options.
What are the minimum car insurance limits in California?
Since January 1, 2025, California requires at least $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage (30/60/15). Many drivers choose higher limits for better protection.
Do I need workers' comp if my San Bernardino business has only one employee?
Yes. California requires employers to carry workers' compensation for their employees, even if you have only one.
Can I bundle home and auto insurance in San Bernardino?
Yes. Bundling home or renters coverage with auto is common and may qualify you for a multi-policy discount.
Get your free San Bernardino quote
Farmers Insurance, Young Douglas. CA License #4091974. Coverage, discounts, and eligibility vary and are subject to underwriting.
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.