Cheapest Car Insurance in Long Beach (2026)

• Cheapest Full Coverage: GEICO at $107/month
• Cheapest Minimum Coverage: GEICO at $47/month
• Cheapest for Teens, Young Adults & Families (16-25): GEICO at $202/month
• Cheapest for Drivers With a DUI: GEICO at $112/month
• Cheapest for Drivers with an At-Fault Accident: AAA at $76/month
• Cheapest for Drivers with a Speeding Ticket: GEICO at $70/month

GEICO offers the cheapest minimum coverage in Long Beach at $47 per month. AAA and Progressive tie for second-cheapest, both charging $56 or a $9-per-month price gap over GEICO.

For full coverage, GEICO and Progressive are $1 apart at $107 and $108 per month. That small cost difference is worth the additional payment if you want more coverage: Progressive offers gap insurance and custom parts replacement. These add-ons make Progressive the better choice for Long Beach drivers who have financed vehicles or those with modified cars.

GEICO wins at both coverage levels, but Progressive ranks first in the city with a MoneyGeek score of 92, five points above GEICO's 87. For full-coverage buyers who file their own claims, the lower score means slower resolution on your policy. Minimum-coverage buyers don't file first-party claims, but the score still matters: a lower-rated insurer is more likely to delay settling the other driver's claim if you're at fault.

Age, driving record and ZIP code affect car insurance rates in Long Beach.

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

GEICO offers the cheapest full coverage for Long Beach drivers aged 16 to 25 at $202 per month ($2,422 per year). Wawanesa Insurance is second at $205, a $3 difference. Parents who are current Wawanesa customers will save $36 a year if they switch to GEICO. That small cost difference probably isn’t worth the hassle of changing the policies over.

Adding a young driver to a family policy costs less than separate coverage, though rates usually stay high. Shop for new quotes when your child turns 25, which is when rates often go down.

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

GEICO is the cheapest option for Long Beach drivers 65 and older at $115 per month ($1,377 per year). State Farm is second at $131, a $16-per-month gap.

Seniors who don't compare new quotes before renewal pay $396 more per year than they need to. That's the annual difference between GEICO at $115 and Wawanesa Insurance at $148, the most expensive of the five cheapest options in Long Beach.

If you want to save more, complete a California-approved online Mature Driver course to get a discount. GEICO offers a 5% discount in California, so eligible Long Beach seniors pay $109 per month instead of $115. That's a $72-per-year savings.

After an at-fault accident, AAA is the cheapest car insurance carrier in Long Beach at $76 per month. GEICO charges $83 for the same violation, despite being the cheapest on clean records at $47. GEICO has the most affordable rate after a speeding ticket at $70 per month.  

A DUI costs Long Beach drivers the most because they combine dangerous behavior with serious legal consequences. GEICO is the cheapest at $112 per month. California requires SR-22 filing for three years after a conviction, so get new quotes 30 days before that period ends.

High-risk drivers in Long Beach see the largest surcharge after a DUI, with minimum coverage rates ranging from $112 at GEICO to $313 at Nationwide, a $201 monthly gap between the cheapest and most expensive option.  

Auto Owners is the only carrier in Long Beach's rate data to raise rates under 20% for both a speeding ticket (+11%, from $80 to $89) and an at-fault accident (+16%, from $80 to $93). 

The carrier-to-carrier price gap is wider after a violation than on a clean record. On a clean record, the cost difference between the cheapest and most expensive carrier in Long Beach is $65 per month (GEICO at $47, Nationwide at $112). After a DUI, that gap is $201 per month (GEICO at $112, Nationwide at $313).

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.

Long Beach drivers pay $26 more per month than the California average for full coverage, but choosing GEICO at $107 saves $50 a month off the Long Beach average of $157. That's a $600 savings per year, more than double what Long Beach's premium over the state average costs you.

ZIP code 90808 has the cheapest rates in Long Beach at $63 per month for minimum coverage and $135 for full coverage. ZIP code 90802 is the most expensive at $100 for minimum and $203 for full. That's a $68 monthly gap for full coverage, larger than the $45 difference between the city's cheapest and most expensive carriers (GEICO at $107 and State Farm at $152). In Long Beach, your address affects your rate more than your insurer does.

For the city's three most populated ZIP codes, minimum coverage costs $68 in 90810, $80 in 90813 and $87 in 90807.

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.