Hesperia is a city in San Bernardino County, just minutes from the Cajon Pass, providing easy access to the nearby Ontario, San Bernardino and Riverside areas. Hesperia is located at 3,191 feet above sea level in the Mojave Desert, and the California Aqueduct splits the city from north to south en route to Silverwood Lake. The cost of living in Hesperia is 23% lower than the California average, and housing in Hesperia is 7% lower than the national average. With the average home price at around $148,700.00, many people choose to live in Hesperia and work in one of the nearby larger cities. This results in and average travel time to work that is 42% higher than the national average, and also means heavy traffic on a daily basis. This makes it important to explore all the options for cheap car insurance Hesperia has available, as well as any discounts you can qualify for.
The overall crime rate in Hesperia is 5% lower than the national average, and property crime is 4% lower than the national average. The City of Hesperia contracts with the San Bernardino County Sheriff’s Department for law enforcement services. This gives the city added resources like the Aviation and Volunteer Forces. The Aviation Unit provides patrol, rescue, and fire operations capabilities. Volunteer Forces provides search and rescue, evacuation, disaster planning, and emergency management. Having a strong police presence helps keep crime statistics down, and that in turn prevents insurance premiums from being too costly.
Hesperia Insurance Requirements
All California state residents are required to have the basic liability insurance coverage in the following limits:
- $5,000 of property damage liability per incident
- $15,000 of bodily injury liability per person
- $30,000 of bodily injury liability per incident
The minimum coverage may be all the law requires, but Hesperia has a large population and plenty of commuter traffic. The average travel time to work in Hesperia is 42% higher than the national average. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Hesperia can provide.
- Towing and labor
- Rental reimbursement
- Uninsured motorist bodily injury
Public Transportation in Hesperia
The Victory Valley Transit Authority (VVTA) provides local bus service and there are 2 Amtrak train stations within 30 miles of the Hesperia city center. The number of people who carpool to work in Hesperia is 97% higher than the national average. This is a great way to keep down the mileage on your car and maintain lower insurance costs.