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Banning is located in the San Gorgonio Pass, between Mt. San Gorgonio on the north and Mt. San Jacinto to the south in Riverside County, California. Situated about 80 miles east of downtown Los Angeles and 30 miles west of Palm Springs, the area has been rapidly growing in size and population since the 1990s. The cost of living in Banning is 22% lower than the California average, but still 7% higher than the national average. The median household income in Banning is 26% lower than the national average, and the median home price in Banning is 9% lower than the national average. Interstate 10 runs right through Banning, and is a busy commercial route between the Inland Empire and the Coachella Valley. This makes for heavy traffic congestion, so it is important to explore all the options for cheap car insurance Banning has to offer.

Banning has had its own police force since shortly after its 1913 incorporation, and the Beaumont, Palm Springs, Cathedral City, and Desert Hot Springs Police Departments also provide assistance in a major emergency. The city is also aided by the California Highway Patrol out of the Beaumont regional station. The overall crime rate in Banning is 9% lower than the national average, and property crime is 25% lower than the state average, and 21% lower than the national average. Low crime rates will positively affect insurance costs, lowering your auto insurance premiums to match the low risk of theft or property damage.

Banning 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 Banning has a large population of higher income residents, and lots of traffic. 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 Banning can provide.
  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Banning Public Transportation

There is 1 airport and 8 Amtrak train stations within 30 miles of the Banning city center. The City provides both fixed-route bus and dial-a-ride services. The number of people who carpool to work in Banning is 48% higher than the national average. Carpooling is a great way to keep down the mileage on your car, and low mileage discounts can save you a significant amount on you auto insurance premiums.