Best Cheap Auto Insurance in South Lake Tahoe, CA (2021)

The average South Lake Tahoe, CA auto insurance rates are $273 per month. The minimum auto insurance in South Lake Tahoe is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in South Lake Tahoe, California, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in South Lake Tahoe is USAA
  • Average auto insurance rates in South Lake Tahoe, CA for senior drivers are $1,966 per year
  • The average commute length in South Lake Tahoe is 16.2 minutes

South Lake Tahoe, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in South Lake Tahoe can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in South Lake Tahoe, California, including driving record, credit, commute time, and more.

Compare auto insurance in South Lake Tahoe to other California cities, including San Diego auto insurance rates, Bakersfield auto insurance rates, and San Jose auto insurance rates to see how South Lake Tahoe, California auto insurance rates stack up.

Before you buy South Lake Tahoe, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free South Lake Tahoe, California auto insurance quotes.

Minimum Auto Insurance in South Lake Tahoe, California

South Lake Tahoe, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in South Lake Tahoe, California.

Minimum Required Auto Insurance Coverage in South Lake Tahoe, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap South Lake Tahoe, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in South Lake Tahoe, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in South Lake Tahoe, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,313 $2,323 $1,687 $1,715 $6,320 $7,963 $2,995 $3,327
Farmers $2,569 $2,569 $2,321 $2,321 $8,210 $13,454 $3,047 $3,395
GEICO $1,710 $1,711 $1,609 $1,609 $5,180 $5,270 $2,453 $2,510
Liberty Mutual $2,102 $1,992 $1,955 $1,895 $4,606 $4,893 $2,371 $2,388
Nationwide $2,701 $2,581 $2,377 $2,244 $6,775 $7,502 $3,211 $3,167
Progressive $1,722 $1,771 $1,479 $1,748 $4,644 $5,577 $2,491 $2,676
State Farm $2,713 $2,713 $2,422 $2,422 $4,959 $6,149 $3,001 $3,095
Travelers $2,242 $2,175 $1,984 $1,963 $4,559 $5,255 $2,909 $2,853
USAA $1,865 $1,767 $1,818 $1,826 $4,248 $4,272 $2,576 $2,435

Cheap South Lake Tahoe, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in South Lake Tahoe, California is a challenge. Take a look at the annual teen auto insurance rates in South Lake Tahoe, California.

Annual Auto Insurance Rates for Teen Drivers in South Lake Tahoe, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,320 $7,963
Farmers $8,210 $13,454
GEICO $5,180 $5,270
Liberty Mutual $4,606 $4,893
Nationwide $6,775 $7,502
Progressive $4,644 $5,577
State Farm $4,959 $6,149
Travelers $4,559 $5,255
USAA $4,248 $4,272

Cheap South Lake Tahoe, California Auto Insurance for Seniors

What are senior auto insurance rates in South Lake Tahoe, California? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in South Lake Tahoe, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,687 $1,715
Farmers $2,321 $2,321
GEICO $1,609 $1,609
Liberty Mutual $1,955 $1,895
Nationwide $2,377 $2,244
Progressive $1,479 $1,748
State Farm $2,422 $2,422
Travelers $1,984 $1,963
USAA $1,818 $1,826

Cheap South Lake Tahoe, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in South Lake Tahoe, California compared to the annual auto insurance rates with a clean record in South Lake Tahoe, California.

Annual South Lake Tahoe, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,158 $3,648 $5,686 $2,830
Farmers $3,501 $4,768 $5,940 $4,735
GEICO $1,929 $2,971 $3,734 $2,392
Liberty Mutual $2,409 $3,228 $2,912 $2,553
Nationwide $2,668 $3,421 $5,769 $3,421
Progressive $1,806 $3,079 $3,566 $2,602
State Farm $2,448 $2,921 $5,526 $2,842
Travelers $2,019 $3,233 $3,782 $2,936
USAA $1,728 $2,573 $4,208 $1,893

Cheap South Lake Tahoe, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in South Lake Tahoe, California is not easy. Compare the annual rates for DUI auto insurance in South Lake Tahoe, California to find the best deal.

Annual Auto Insurance Rates After a DUI in South Lake Tahoe, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,686
Farmers $5,940
GEICO $3,734
Liberty Mutual $2,912
Nationwide $5,769
Progressive $3,566
State Farm $5,526
Travelers $3,782
USAA $4,208

Cheap South Lake Tahoe, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in South Lake Tahoe, California can vary. Compare the annual cost of auto insurance by ZIP code in South Lake Tahoe, California to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in South Lake Tahoe, California

ZIP Code Average Annual Rates
96150 $4,485

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Cheap South Lake Tahoe, California Auto Insurance Rates By Commute

Commute length and annual mileage affect South Lake Tahoe, California auto insurance. Find the cheapest annual South Lake Tahoe, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in South Lake Tahoe, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,236 $3,925
Farmers $4,297 $5,175
GEICO $2,504 $3,009
Liberty Mutual $2,550 $3,001
Nationwide $3,381 $4,258
Progressive $2,507 $3,020
State Farm $3,310 $3,559
Travelers $2,693 $3,292
USAA $2,397 $2,804

Cheap South Lake Tahoe, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in South Lake Tahoe, California? Check out the comparison of annual South Lake Tahoe, California auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in South Lake Tahoe, California

Insurance Company Low Medium High
Allstate $3,420 $3,607 $3,714
Farmers $4,413 $4,772 $5,023
GEICO $2,487 $2,788 $2,994
Liberty Mutual $2,594 $2,800 $2,932
Nationwide $3,394 $3,890 $4,175
Progressive $2,444 $2,855 $2,991
State Farm $3,126 $3,486 $3,691
Travelers $2,657 $3,069 $3,251
USAA $2,355 $2,652 $2,795

Best By Category: Cheapest Auto Insurance in South Lake Tahoe, California

Compare the cheapest auto insurance companies in South Lake Tahoe, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in South Lake Tahoe, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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The Cheapest South Lake Tahoe, California Auto Insurance Companies

What auto insurance companies in South Lake Tahoe, California are the cheapest? Compare the top South Lake Tahoe, California auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in South Lake Tahoe, California

Insurance Company Average Annual Rates
Allstate $3,580
Farmers $4,736
GEICO $2,756
Liberty Mutual $2,775
Nationwide $3,820
Progressive $2,763
State Farm $3,434
Travelers $2,992
USAA $2,601

What affects auto insurance rates in South Lake Tahoe, California?

There are a lot of reasons why auto insurance rates in South Lake Tahoe, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in South Lake Tahoe, California. Many local factors may affect your South Lake Tahoe auto insurance rates.

South Lake Tahoe Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual South Lake Tahoe, California auto theft statistics, there have been 61 auto thefts in the city.

South Lake Tahoe Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average South Lake Tahoe, California commute length is 16.2 minutes according to City-Data.

Compare South Lake Tahoe, California Auto Insurance Quotes

Before you buy South Lake Tahoe, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free South Lake Tahoe, California auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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