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Average Cost of Car Insurance in Long Beach

Long Beach$1,597
California$1,429
U.S.$1,424

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.

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The Best Cheap Car Insurance Companies in Long Beach

The most affordable car insurance in Long Beach is from Esurance at an average of $1,157 per year. That is $440 less than the average car insurance rates in the city. Progressive, USAA and Allstate follow Esurance as the next cheapest car insurance premiums in the city. Allied's auto insurance is the most expensive in the city at an average of $2,073.

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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.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Long Beach by Coverage Amount

How much car insurance coverage you purchase in Long Beach also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

California Minimum Liability Requirements

  • Item
    Description
  • 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 by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Long Beach if You Have Tickets

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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. Esurance
    $1,471
    $1,822
    $2,894
  • 2. USAA
    $1,406
    $2,254
    $3,658
  • 3. Mercury
    $2,131
    $2,817
    $2,665
  • 4. Progressive
    $2,404
    $2,616
    $3,020
  • 5. Allstate
    $1,895
    $2,389
    $4,237
  • 6. GEICO
    $2,277
    $2,601
    $3,649
  • 7. Farmers
    $2,407
    $3,009
    $3,009
  • 8. AAA
    $1,945
    $2,244
    $4,594
  • 9. Travelers
    $2,837
    $3,157
    $3,945
  • 10. State Farm
    $2,689
    $2,801
    $5,610
  • 11. Allied
    $2,910
    $3,349
    $5,045
  • 12. MetLife
    $1,791
    $2,321
    $8,696
  • 13. Hartford
    $2,966
    $4,182
    $7,022

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 Code
    State Minimumper year
  • 90806
    $1,531
  • 90805
    $1,566
  • 90802
    $1,606
  • 90813
    $1,684
iconribbontop ratedCar Insurance agentsLong Beach2021

Top Agents Offering Affordable Car Insurance in Long Beach

1. Farmers Insurance - Kimberly Terrell4425 Atlantic Ave, Ste A25, Long Beach, CA, 90807
21 ratings
2. Steve Dwight - State Farm Insurance Agent4625 E Anaheim St, Long Beach, CA, 90804
13 ratings
3. Insurance Partners133 The Promenade N, Ste 109, Long Beach, CA, 90802
11 ratings
4. C Diamond Insurance5538 Long Beach Blvd, Long Beach, CA, 90805
9 ratings
5. Vega Tax & Insurance Services2810 E Anaheim St, Ste A, Long Beach, CA, 90804
6 ratings

Insurance Providers That Serve Long Beach

Allstate
Amica
Esurance
Farmers Insurance
Liberty Mutual
MetLife
State Farm
The General

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.

accident2 icon
Most Accidents With Fatalities174th/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall277th/300
umbrella icon
Most Rainy Days294th/300

Shopping around for car insurance in Long Beach could save you $440, which is enough to buy:

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147Cups of Coffee
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34Months of Your Favorite Streaming Service

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.

Compare Car Insurance Rates in Long Beach

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author

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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.