Car Insurance in Long Beach

GEICO leads Long Beach's insurance market with competitive rates across most driver categories. Adult drivers with clean records pay $561 annually with GEICO, while young drivers pay $1,136 through GEICO. That's a 102% increase reflecting California's moderate age based pricing where gender cannot be factored. Senior drivers secure excellent rates at $609 with GEICO.

Drivers with accidents find affordable coverage through AAA at $916. Those with DUIs pay $1,346 through GEICO. California's restrictions on rating factors like gender and credit score create compressed pricing, making GEICO's consistently low rates particularly valuable.

GEICO provides Long Beach's most affordable minimum coverage at $561 per year, sitting 35% lower than the city average of $888. Progressive offers competitive rates at $1,300 for full coverage, making it worth considering for comprehensive protection.

State Farm charges $577 for minimum coverage, serving as another solid alternative. California's prohibition on gender and credit based pricing means insurers compete more on operational efficiency than demographic segmentation.

Long Beach's higher costs compared to other California cities reflect increased traffic density and vehicle theft rates in Los Angeles County. Shopping multiple insurers becomes essential for securing the best available rate.

GEICO dominates Long Beach's age based pricing across all demographics. Adults with clean records pay $561 annually, while young drivers face $1,136. That's a 102% premium increase, moderate compared to many states. California prohibits gender based pricing, ensuring male and female drivers of the same age pay identical rates.

Seniors enjoy near adult pricing at $609 with GEICO, just 9% above adult rates. California's compressed age based pricing benefits younger drivers and seniors significantly. Your driving record and annual mileage impact rates more than age in California's regulated market.

GEICO provides the best rates for Long Beach drivers with clean records at $561 per year. A speeding ticket raises your costs to $839 with GEICO, a 50% increase.
An at-fault accident pushes premiums to $916 with AAA. GEICO charges $1,346 for DUI violations, offering the most affordable option for this serious offense.

DUI drivers pay roughly 140% more than clean record drivers. California's violation penalties hit particularly hard despite restrictions on other rating factors. California law also prohibits accident forgiveness programs, meaning your first accident impacts rates for three to five years with full premium consequences.

Progressive leads Long Beach's insurance market with a MoneyGeek score of 92.43, combining competitive pricing with comprehensive digital tools and usage based insurance options. GEICO scores 87.12, delivering the market's lowest base rates with efficient claims processing.

Both insurers maintain excellent financial stability ratings and reasonable complaint ratios with the California Department of Insurance. Progressive excels for drivers seeking telematics programs and flexible coverage options.

GEICO delivers unbeatable affordability for straightforward coverage needs. Either choice provides reliable protection in California's highly regulated and competitive Los Angeles County insurance market.

Long Beach drivers face average costs of $888 per year for minimum coverage and $1,890 for full coverage. These rates exceed California state averages, reflecting Long Beach's location in Los Angeles County where higher traffic density, vehicle theft and accident rates drive premiums up.

GEICO offers minimum coverage at $561, demonstrating how insurer selection substantially reduces costs below city norms. California's mandatory minimum coverage requirements of 15/30/5 establish baseline costs.

Long Beach's urban environment and proximity to Los Angeles create elevated risk factors. Residents who maintain clean records, use anti-theft devices and compare quotes regularly can access competitive rates despite the city's challenging insurance landscape.

In Long Beach, car insurance rates by ZIP code range from $63 to $203 per month. ZIP code 90802 is the most expensive, while 90803 is the cheapest. Check the average rates for your ZIP code on the table below.

Finding affordable car insurance in Long Beach can be tough with so many options out there. This guide breaks down simple steps to help you get lower rates and the coverage that works best for you.

Car insurance rates in Long Beach depend on your driving record, vehicle and other personal factors. GEICO and Progressive consistently offer the cheapest average premiums in the area, but compare quotes from multiple providers to find your best rate.

We analyzed Long Beach car insurance rates to answer your questions about finding affordable coverage. Get clear answers about saving money while maintaining the protection you need.

To help Long Beach drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.

Long Beach Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Long Beach

MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.

The minimum coverage requirements in California are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
• Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
• Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.