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Get Cheap Car Insurance in Big Bear Lake, CA
We monitor insurance prices, helping the average driver in Big Bear Lake save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Big Bear Lake
The chart below shows the cheapest car insurance company in Big Bear Lake for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Big Bear Lake Insurer | Monthly Cost |
|---|---|
| Metromile | $50 |
| Geico | $56 |
| Progressive | $60 |
| Travelers | $62 |
Savings for Every Kind of Big Bear Lake Driver
Based on our extensive insurance data, we know the average Big Bear Lake driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $635 per year by choosing the right vehicle insurance company. Some Big Bear Lake residents are paying out over $1,986 extra every year for auto insurance in Big Bear Lake. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Big Bear Lake, CA Savings / Yr. |
|---|---|
$635 |
|
$1,163 |
|
$920 |
|
$1,616 |
|
$830 |
|
$360 |
|
$0 |
Big Bear Lake Car Insurance vs. California
People living in Big Bear Lake pay an average of 1.08% less than the typical driver in the state. The average driver in Big Bear Lake can expect to pay about $930 per year, or $1,986 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Big Bear Lake for most people.
Car Insurance Prices by Big Bear Lake Neighborhood
Insurance Prices
Where is insurance cheapest within Big Bear Lake?
The map shows insurance prices in and around Big Bear Lake, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $232 per year within the city boundaries, with insurance premiums ranging from a high of $2,107 to a low of $1,875. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the East parts of Big Bear Lake.Pick the Best Car Insurance Company for You in Big Bear Lake
The best car insurance provider for most drivers in Big Bear Lake
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $635 over the average Big Bear Lake car insurance company.
The best car insurance provider for Big Bear Lake drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,163 over the competition.
The best car insurance company for Big Bear Lake drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $920 better than other car insurance companies.
The best auto insurance for Big Bear Lake drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,616 less each year.
The least expensive car insurance company for new and young drivers in Big Bear Lake
In Big Bear Lake, State Farm costs young drivers $830 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Big Bear Lake
Progressive gave the largest car insurance discounts to married couples, averaging $360 saved each year compared to an average Big Bear Lake couple's premiums.
The cheapest car insurance in Big Bear Lake for drivers with bad credit
The best Big Bear Lake car insurance company for customer service
Nationwide was the best company for customer service in Big Bear Lake according to the NAIC.
Recent price drops
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The cheapest large national provider in Big Bear Lake
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Big Bear Lake driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Big Bear Lake, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Big Bear Lake
What Influences the Cost of Car Insurance in Big Bear Lake?
On average, car insurance in Big Bear Lake is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Big Bear Lake is 25 minutes, which is far less than average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Big Bear Lake are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Big Bear Lake has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Big Bear Lake is $77 per month for minimum coverage and $166 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Sugarloaf: Insurance costs 1.16% more
- Big Bear City: Insurance costs 1.71% less
- Fawnskin: Insurance costs 2.01% less
- Big Bear: Insurance costs 0.40% more
- Seven Oaks: Insurance costs 2.77% less
- Angelus Oaks: Insurance costs 2.47% less
- Glen Martin: Insurance costs 2.72% less
- Green Valley Lake: Insurance costs 1.11% more
- Running Springs: Insurance costs 1.46% more
- Smiley Park: Insurance costs 4.53% more
Cities with Similar Populations
- Perry: Insurance costs 15.16% less
- Goodland: Insurance costs 20.54% less
- Goodview: Insurance costs 39.58% less
- Pierre Part: Insurance costs 56.50% more
- Phoenix: Insurance costs 4.93% more
- Grafton: Insurance costs 30.77% less
- Petersburg: Insurance costs 39.78% more
- Grambling: Insurance costs 53.27% more
- Grand Island: Insurance costs 25.93% more
- Petersburg: Insurance costs 26.08% less