Cheapest Car Insurance in Long Beach (2026)

GEICO offers Long Beach drivers minimum coverage at $47 per month and the area’s lowest full coverage at $107 monthly or $1,289 annually. These rates apply to motorists with clean driving records. Because age and driving history influence which insurer offers the lowest premium, comparing quotes from multiple carriers helps identify the best available rate for your situation.

California residents pay $61 monthly for minimum coverage, while Long Beach drivers pay $74. Full coverage follows the same pattern at $157 compared to the state's $131 average. Long Beach's higher premiums stem from elevated vehicle theft rates and heavy traffic congestion that increases collision risks. 

Local regulations often require drivers to carry higher liability limits than other areas. These factors push Long Beach's rates above statewide averages. Comparing quotes from multiple insurers helps drivers find competitive rates in the area.

Read More: The cheapest car insurance in California

Young drivers in Long Beach pay the highest insurance premiums, averaging $220 monthly across the top five insurers compared to $129 for adults and $134 for seniors. This cost difference reflects insurers' concerns about inexperienced drivers who cause more accidents and file more claims.

Cheapest Long Beach car insurance by age:

• Young drivers: GEICO at $202 per month
• Adult drivers: GEICO at $107 per month
• Senior drivers: GEICO at $115 per month

Once drivers establish experience, age matters less in pricing decisions. The modest $5 difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Insurers charge Long Beach drivers ages 16 to 25 the highest car insurance rates due to limited experience and higher accident risk. GEICO provides the most affordable option at $202 per month or $2,422 annually for full coverage.

With young drivers averaging $220 per month compared to adults at $129, youth premiums run more than double what experienced drivers pay.

Young Long Beach drivers save $43 per month by choosing GEICO over AAA at $245 monthly, the fifth cheapest option. Adding a young driver to a family policy costs less than separate coverage, though rates usually stay high until age 25.

Note: Teen drivers must meet state licensing requirements and may need parental consent for coverage in some cases.

Long Beach seniors get competitive car insurance rates thanks to their clean driving records and decades of experience. GEICO offers the most affordable full coverage at $115 monthly or $1,377 annually. While insurers value this experience, some increase premiums for drivers over 70 due to slower reaction time concerns. 

Across the five cheapest providers, Long Beach seniors average $134 monthly, just $5 above the $129 adult rate. Seniors who choose GEICO over Wawanesa Insurance at $148 monthly save $33 each month. Defensive driving courses or low annual mileage under 7,500 miles can lower costs further.

Adult drivers between 26 and 64 get Long Beach's most competitive insurance rates because they balance extensive driving experience with statistically lower accident risk than younger and older drivers. 

GEICO leads with $107 monthly or $1,289 annually for full coverage, while this age group averages $129 across the city's five cheapest insurers. Adults pay less than any other age category in Long Beach.

Long Beach adults save $44 monthly when choosing GEICO over Allstate's $151 rate, the fifth cheapest option. Clean driving records, policy bundling and good driver discounts provide additional ways to cut costs.

Driving violations lead to higher insurance costs for Long Beach motorists. GEICO offers the most affordable options, with rates at $47 per month for clean records, $70 for speeding tickets, and $112 for DUI offenses.

Looking across the five cheapest insurers, average monthly costs rise from $60 for clean records to $83 for speeding violations, $89 for at-fault accidents, and $128 for DUIs. 

DUIs have the biggest financial impact because they combine dangerous behavior with serious legal consequences, placing drivers in insurers’ highest-risk category and often requiring SR-22 documentation. 

At-fault accidents push rates higher since you’ve shown the ability to cause property damage or injuries. Speeding tickets lead to smaller increases because they signal risky driving habits without showing actual crash involvement.

Long Beach car insurance costs vary by location, with monthly rates ranging from $63 in ZIP code 90803 to $203 in ZIP code 90802. See your ZIP code's rate in the table below. For the city's most populous areas (90810, 90813 and 90807), minimum coverage runs $147, $173 and $177 monthly. 

These differences stem from neighborhood factors like crime rates, accident frequency, population density, and how many uninsured drivers live in each area. Use the filter above the table to locate your ZIP and check your area's average cost.

Long Beach drivers can secure competitive rates and proper coverage by knowing which insurers offer the best value.

Want to find affordable coverage in Long Beach? This FAQ offers clear answers about savings opportunities, state regulations and coverage types to help you find coverage that fits your budget.

Long Beach drivers pay some of California's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Long Beach's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.