GEICO offers the lowest car insurance rates in Long Beach, with average annual premiums of $561 for minimum coverage and $1,289 for full coverage. AAA, Progressive and State Farm also offer competitive rates in the city.
Car Insurance in Long Beach
Updated: August 12, 2025
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Key Takeaways
Long Beach's cheapest car insurance companies are GEICO, Progressive and AAA, with rates up to 35% lower than the city average.
Monthly car insurance costs in Long Beach average $157 for full coverage and $74 for minimum coverage.
To find the best cheap auto insurance in Long Beach, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Long Beach?
| GEICO | $47 | $107 | -35% |
| Progressive | $56 | $108 | -31% |
| AAA | $56 | $129 | -22% |
| State Farm | $68 | $152 | -7% |
| Wawanesa | $74 | $148 | -6% |
Cheapest Long Beach Car Insurance by Category
GEICO offers the cheapest rates in 6 of 9 driver categories in Long Beach, while AAA provides the most affordable coverage for drivers with accidents and older vehicles, and State Farm wins for those with newer cars.
| Young Drivers | GEICO | $95 |
| Adult Drivers | GEICO | $47 |
| Senior Drivers | GEICO | $51 |
| Drivers With an Accident | AAA | $76 |
| Drivers With a DUI | GEICO | $112 |
| Drivers With a Speeding Ticket | GEICO | $70 |
| Drivers With Bad Credit | GEICO | $89 |
| Drivers With Newer Cars | State Farm | $48 |
| Drivers With Old Cars | AAA | $35 |
Compare the Cheapest Long Beach Car Insurance for You
Your car insurance rates depend heavily on your driving history, age and other personal factors. Check the table below to find which insurers offer the best rates for drivers with your profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Geico | $47 | $561 | -38% |
| AAA | $56 | $669 | -26% |
| Progressive | $56 | $674 | -26% |
| State Farm | $68 | $819 | -10% |
| Wawanesa Insurance | $74 | $888 | -2% |
Best Car Insurance Companies in Long Beach
In Long Beach, the leading car insurance companies are Progressive, GEICO, AAA, Auto-Owners and State Farm. These providers stand out for offering an excellent balance of competitive rates, reliable customer service and comprehensive coverage options.
| Progressive | 92 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 84 | 3 | 5 | 7 |
| Auto Owners | 81 | 8 | 1 | 6 |
| State Farm | 80 | 4 | 4 | 7 |
Progressive: Best Overall Insurance Provider
pros
Strong coverage options available
Excellent claims handling experience
Competitive rates across driver types
cons
Not the cheapest minimum coverage option
COMPANY HIGHLIGHTS
Progressive ranks first among Long Beach car insurance providers with strong performance across all categories. The company stands out for its comprehensive coverage options and high customer satisfaction ratings. While not the absolute cheapest for minimum coverage, Progressive offers competitive full coverage rates at $108 monthly. Their balanced approach to pricing and service makes them a reliable choice for most drivers.
GEICO: Best for Affordable Coverage
pros
Lowest rates in Long Beach
Multiple driver discounts available
Easy online quote process
cons
Limited coverage options
Lower customer service ratings
COMPANY HIGHLIGHTS
GEICO offers the most affordable car insurance in Long Beach, with minimum coverage starting at $47 monthly. They excel at serving specific driver groups, offering the best rates for adults, seniors, and those with driving violations. While GEICO ranks lower for customer experience and coverage options, their competitive pricing and straightforward service make them an excellent choice for budget-conscious drivers who want basic coverage.
How Much Is Car Insurance in Long Beach?
In Long Beach, minimum coverage costs about $74 per month or $888 per year, ranking 1,135th out of all California cities for affordability. Full coverage averages $157 monthly or $1,890 annually, ranking 1,136th among California cities.
| Full Coverage | $157 | $1,890 |
| Minimum Coverage | $74 | $888 |
Long Beach Car Insurance Cost by Category
In Long Beach, monthly coverage costs vary from $59 to $385 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $136 | $278 |
| Adult Drivers | $74 | $157 |
| Senior Drivers | $87 | $176 |
| Drivers With an Accident | $117 | $248 |
| Drivers With a DUI | $180 | $385 |
| Drivers With a Speeding Ticket | $107 | $229 |
| Drivers With Bad Credit | $165 | $361 |
| Drivers With Newer Cars | $78 | $166 |
| Drivers With Old Cars | $59 | $125 |
Long Beach Car Insurance Costs by ZIP Code
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.
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ZIP Code:90802
| 90802 | $100 | $203 |
Compare Personalized Long Beach Car Insurance Costs
Find Long Beach car insurance rates that match your exact profile by filtering this table's detailed factor combinations, including age group and driving history.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $71 | $847 | 14% |
How to Get the Best Cheap Long Beach Car Insurance
Car insurance rates in Long Beach can strain your budget, with many drivers struggling to find affordable coverage among countless options. Our step-by-step guide shows you how to secure better rates and choose the right coverage for your needs.
- 1
Calculate your coverage requirements
Start by determining how much coverage you actually need. Use our car insurance coverage needs calculator to evaluate your situation. Consider your car's value, your assets and your risk tolerance to find the sweet spot between protection and affordability.
- 2
Explore alternative insurance options
Look into different types of car insurance that could save you money. If you drive less than average, pay-per-mile coverage might be cheaper. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Know the typical costs
Research average vehicle insurance costs in Long Beach to set realistic expectations. This knowledge helps you spot good deals and avoid overpaying. Compare rates across different companies to understand the price range in your area.
- 4
Stack up available discounts
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and security features can also reduce your premium.
- 5
Check company reliability
Research insurance companies' financial strength and customer service ratings. Look for providers with strong claims-handling records and positive customer feedback in Long Beach.
- 6
Get quotes from multiple insurers
Request quotes from at least three different insurance companies. Use a mix of online tools, local agents, and direct contact with insurers.
- 7
Review your policy yearly
Mark your calendar to review your coverage annually. Your needs and circumstances change over time, and new discounts or better rates might become available. Regular reviews ensure you maintain the best combination of coverage and cost.
Cheapest Car Insurance in Long Beach: Bottom Line
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.
Cheap Long Beach Car Insurance: FAQ
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.
What is the cheapest car insurance company in Long Beach, California?
GEICO offers the lowest rates in Long Beach, with average annual premiums of $561 for minimum coverage and $1,289 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Long Beach?
Progressive offers the best car insurance in Long Beach, with a MoneyGeek score of 92 out of 100, scoring five points higher than GEICO. Progressive delivers excellent value through competitive rates and quality service.
What is the average cost of car insurance in Long Beach?
In Long Beach, drivers pay $1,890 per year for full coverage and $888 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Is car insurance in Long Beach expensive?
Car insurance in Long Beach costs more than average, ranking 1,135th for minimum coverage affordability and 1,136th for full coverage among California cities.
How We Chose the Best and Cheapest Car Insurance in Long Beach, CA
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.