Long Beach has an average annual car insurance rate of $1,597, which is higher than the state’s average of $1,429 by 11.7%. The cheapest insurance provider is Esurance, with an average annual cost of $1,157. To ensure that you secure the best rates and exceptional service, MoneyGeek ranked the top insurers in Long Beach by coverage level and driving history.
Compare the Cheapest Car Insurance Quotes in Long Beach, CA
The Cheapest and Best Car Insurance in Long Beach
The Cheapest Car Insurance Companies in Long Beach
On average, the cheapest insurers in Long Beach for a full coverage policy are:
- Esurance: $1,157 per year
- Progressive: $1,252 per year
For this study, MoneyGeek analyzed average car insurance rates for a sample driver with full coverage insurance. The driver’s policy includes comprehensive and collision coverage, in addition to liability coverage.
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Average Cost of Car Insurance in Long Beach
The average car insurance rate in Long Beach is more expensive than the average state and national annual premiums. At $1,597 a year, Long Beach's average annual car insurance premium is 11.7% higher than the average auto insurance rate of $1,429 a year in California and 12.1% more than the yearly average of $1,424 in the country.
The Best Car Insurance Companies in Long Beach
To help you find car insurance coverage with exceptional service and affordable costs, MoneyGeek ranked the top insurers in Long Beach by considering a wide array of factors. Based on the findings, the best auto insurance companies in the city for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Long Beach by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek’s scores out of 100 incorporate various criteria, including J.D. Power’s affordability, user satisfaction and financial stability ratings.
Personalized Quotes to Get You the Cheapest Car Insurance in Long Beach
If you’re looking for the best car insurance in Long Beach, know that there are different factors that will affect your rate. Auto insurance providers look at your age, driving history, ZIP code, gender and miles driven per year to help them determine your rate. Naturally, your circumstances will change over time, which is why it is best that you get personalized car insurance quotes.
Shopping around for car insurance in Long Beach could save you $440, which is enough to buy:
Cheapest Car Insurance in Long Beach by Coverage Amount
In Long Beach and elsewhere, coverage amounts have a significant impact on the cost of your car insurance. A policy that provides the state minimum car insurance requirements costs $744 per year on average. If you decide to purchase a full coverage policy with higher limits, you’ll pay around $1,597 per year, which is $853 more than the minimum coverage.
California Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Some drivers might be tempted to purchase a policy covering just the state minimum liability. However, if you want to be truly protected, it is best to spend more on additional options. In Long Beach, a 50/100/50 liability option costs average of $940 with MetLife. That means you can claim up to $50,000 for one person’s injuries, $100,000 for the entire accident and $50,000 for the damage done to your vehicle. Add $344 for a full coverage policy and you can make claims for damages caused by natural disasters and uninsured motorists.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Long Beach if You Have Driving Violations
With a clear driving record, car insurance companies in Long Beach will deem you as a low-risk client. With a clear record, you can acquire a premium as low as $1,157 from Esurance. However, if you have records of traffic violations, such as speeding tickets, at-fault accidents or a DIU, your rates will be higher. You will have to pay Esurance $314 more if you have speeding tickets, $666 more if you were at fault in an accident and $1,737 more if you are caught driving under the influence.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
When you get car insurance quotes in Long Beach, you will notice that your ZIP code affects the price of auto insurance. That difference is because each area has different driving conditions: the roads may be narrow, there may be a lack of secured parking lots or the region may have a high number of theft, accidents and uninsured motorists. The average auto insurance rates in Long Beach, based on ZIP code, range from $1,531 to $1,684. ZIP code 90813 is the most expensive to get auto insurance in, which is $153 more than the most affordable ZIP code, 90806.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Long Beach
Factors That Impact Insurance Costs in Long Beach
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Long Beach. How Long Beach ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Long Beach are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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