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Get Cheap Car Insurance in South Lake Tahoe, CA
We monitor insurance prices, helping the average driver in South Lake Tahoe save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in South Lake Tahoe
The chart below shows the cheapest car insurance company in South Lake Tahoe 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.
| South Lake Tahoe Insurer | Monthly Cost |
|---|---|
| Metromile | $48 |
| Geico | $54 |
| Progressive | $58 |
| Travelers | $60 |
Savings for Every Kind of South Lake Tahoe Driver
Based on our extensive insurance data, we know the average South Lake Tahoe 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 $608 per year by choosing the right vehicle insurance company. Some South Lake Tahoe residents are paying out over $1,902 extra every year for auto insurance in South Lake Tahoe. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
South Lake Tahoe, CA Savings / Yr. |
|---|---|
$608 |
|
$1,114 |
|
$881 |
|
$1,548 |
|
$795 |
|
$345 |
|
$0 |
South Lake Tahoe Car Insurance vs. California
People living in South Lake Tahoe pay an average of 5.26% less than the typical driver in the state. The average driver in South Lake Tahoe can expect to pay about $891 per year, or $1,902 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in South Lake Tahoe for most people.
Car Insurance Prices by South Lake Tahoe Neighborhood
Insurance Prices
Where is insurance cheapest within South Lake Tahoe?
The map shows insurance prices in and around South Lake Tahoe, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $374 per year within the city boundaries, with insurance premiums ranging from a high of $2,126 to a low of $1,752. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of South Lake Tahoe.Pick the Best Car Insurance Company for You in South Lake Tahoe
The best car insurance provider for most drivers in South Lake Tahoe
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $608 over the average South Lake Tahoe car insurance company.
The best car insurance provider for South Lake Tahoe 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 $1,114 over the competition.
The best car insurance company for South Lake Tahoe drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $881 better than other car insurance companies.
The best auto insurance for South Lake Tahoe drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,548 less each year.
The least expensive car insurance company for new and young drivers in South Lake Tahoe
In South Lake Tahoe, State Farm costs young drivers $795 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in South Lake Tahoe
Progressive gave the largest car insurance discounts to married couples, averaging $345 saved each year compared to an average South Lake Tahoe couple's premiums.
The cheapest car insurance in South Lake Tahoe for drivers with bad credit
The best South Lake Tahoe car insurance company for customer service
Nationwide was the best company for customer service in South Lake Tahoe according to the NAIC.
Recent price drops
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The cheapest large national provider in South Lake Tahoe
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average South Lake Tahoe 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 South Lake Tahoe, 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 South Lake Tahoe
What Influences the Cost of Car Insurance in South Lake Tahoe?
On average, car insurance in South Lake Tahoe 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 South Lake Tahoe 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 South Lake Tahoe are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- South Lake Tahoe has an average population density 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 South Lake Tahoe is $74 per month for minimum coverage and $159 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
- Echo Lake: Insurance costs 1.68% less
- Stateline: Insurance costs 7.26% more
- Zephyr Cove: Insurance costs 8.99% more
- Glenbrook: Insurance costs 8.10% more
- Genoa: Insurance costs 5.05% more
- Twin Bridges: Insurance costs 1.16% more
- Tahoma: Insurance costs 4.89% less
- Minden: Insurance costs 5.10% more
- Sorensens: Insurance costs 5.21% less
- Gardnerville Ranchos: Insurance costs 9.62% more
Cities with Similar Populations
- Fremont: Insurance costs 26.92% less
- Vestal: Insurance costs 18.19% more
- Uniondale: Insurance costs 70.29% more
- Ukiah: Insurance costs 1.68% more
- Glenside: Insurance costs 21.98% less
- Garden City: Insurance costs 41.48% less
- Galt: Insurance costs 10.83% more
- Gainesville: Insurance costs 31.70% less
- Fridley: Insurance costs 3.89% less
- Wasco: Insurance costs 11.15% more