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Get Cheap Car Insurance in Big Pine, CA

We monitor insurance prices, helping the average driver in Big Pine save up to 33.7% on car insurance.

 

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The Cheapest Minimum Coverage in Big Pine

The chart below shows the cheapest car insurance company in Big Pine 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 Pine Insurer Monthly Cost
Metromile $45
Geico $51
Progressive $55
Travelers $57

Savings for Every Kind of Big Pine Driver

The table shows how much the average auto insurance customer in Big Pine might save by following our recommendations.

Based on our extensive insurance data, we know the average Big Pine 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 $577 per year by choosing the right vehicle insurance company. Some Big Pine residents are paying out over $1,805 extra every year for auto insurance in Big Pine. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Big Pine Car Insurance vs. California

People living in Big Pine pay an average of 10.10% less than the typical driver in the state. The average driver in Big Pine can expect to pay about $845 per year, or $1,805 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Big Pine for most people.

Car Insurance Prices by Big Pine Neighborhood

Big Pine, CA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Big Pine?

The map shows insurance prices in and around Big Pine, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $110 per year within the city boundaries, with insurance premiums ranging from a high of $1,876 to a low of $1,766. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Big Pine.

Pick the Best Car Insurance Company for You in Big Pine

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Big Pine insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Big Pine

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $577 over the average Big Pine car insurance company.

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We use the average good driver, paying $102 per month, as our baseline for pricing in Big Pine. Allstate, Metromile, and Esurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Big Pine drivers with accidents on their records

In Big Pine getting into an accident will raise premiums an average 44% for a yearly cost of $3,246. That's $1,441 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Metromile, and Mercury Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,057 over the competition.

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The best car insurance company for Big Pine drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $836 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Big Pine, tickets raise premiums on new quotes about $916. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $2,721 per year.

The best auto insurance for Big Pine drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,571 per year in auto insurance premiums, which was $2,766 more than a driver with no major issues. Progressive, Travelers, and Mercury Insurance penalized their customers the least for a DUI.

Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,469 less each year.

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The least expensive car insurance company for new and young drivers in Big Pine

In Big Pine, State Farm costs young drivers $754 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in Big Pine. With an average cost of $4,790 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Mercury Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Big Pine

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $179. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in Big Pine.

Progressive gave the largest car insurance discounts to married couples, averaging $327 saved each year compared to an average Big Pine couple's premiums.

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The cheapest car insurance in Big Pine for drivers with bad credit

The state of California does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Big Pine car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Big Pine, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Big Pine.

Nationwide was the best company for customer service in Big Pine according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Big Pine, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Big Pine. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Big Pine

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 20% of Big Pine residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Allstate tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Big Pine driver can expect to pay about $129 per month.

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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 Pine, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around Big Pine

What Influences the Cost of Car Insurance in Big Pine?

On average, car insurance in Big Pine 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 Pine is 22 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 Pine are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Big Pine is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Big Pine is $70 per month for minimum coverage and $150 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

Cities with Similar Populations

* Who is the average Big Pine driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Big Pine with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.