Cheapest and Best Car Insurance in Long Beach, CA (July 2024)


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Updated: July 1, 2024

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The cheapest Long Beach car insurance varies by coverage and driver. For full coverage, Progressive is the least expensive, while families with teens find the best rates with Allstate. These differ from the minimum coverage leader, Progressive. For customer service, Chubb leads, yet Capital Insurance Group offers the best value balancing price and service. Your ideal insurer will align with your specific coverage needs and preferences.

MoneyGeek Logo IconBest & CheapestCar InsuranceLong Beach
2024

Cheapest and Best Car Insurance in Long Beach

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Long Beach, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Long Beach insurance providers based on ZIP codes in the service area only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Long Beach, CA, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Long Beach

MoneyGeek found that Progressive is the cheapest option in Long Beach for minimum coverage car insurance.

  • Progressive: $483 per year
  • GEICO: $541 per year

While Progressive offers the most affordable annual premium, Chubb has the most expensive policy at $885 annually. The stark difference of $402 between the cheapest car insurance and the priciest highlights the value of comparing rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
ProgressiveAnnual Premium$483Monthly Premium$40
GEICOAnnual Premium$541Monthly Premium$45
MercuryAnnual Premium$553Monthly Premium$46
Capital Insurance GroupAnnual Premium$612Monthly Premium$51
AAAAnnual Premium$628Monthly Premium$52
KemperAnnual Premium$654Monthly Premium$54
FarmersAnnual Premium$654Monthly Premium$55
State NationalAnnual Premium$695Monthly Premium$58

For drivers in California, including Long Beach, there are mandates for minimum car insurance coverage. Here's what's legally required:

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $5,000 property damage liability per accident

Let's say you have the basic coverage and you're involved in a car accident. If you're at fault, your policy will cover up to $15,000 for injuries to one person and up to $30,000 for injuries to multiple people in that accident. But if actual costs exceed these limits, you're responsible for the balance.

Cheapest Full Coverage Car Insurance in Long Beach

MoneyGeek found that Progressive is the cheapest option for cheapest full coverage car insurance in Long Beach.

  • Progressive: $1,194 per year
  • Allstate: $1,347 per year

Travelers offers the most expensive full coverage policy in Long Beach, costing $2,270 annually. That's a significant $1,076 more than Progressive.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,194Monthly Premium$99
AllstateAnnual Premium$1,347Monthly Premium$112
GEICOAnnual Premium$1,396Monthly Premium$116
AAAAnnual Premium$1,431Monthly Premium$119
National GeneralAnnual Premium$1,452Monthly Premium$121
Capital Insurance GroupAnnual Premium$1,473Monthly Premium$123
MercuryAnnual Premium$1,495Monthly Premium$125
HartfordAnnual Premium$1,648Monthly Premium$137

A Long Beach full coverage policy offers more robust protection by raising the liability coverage to $100,000 for bodily injury per individual, $300,000 for bodily injury per incident and $100,000 for property damage per incident. Industry professionals often refer to this level of coverage as a 100/300/100 plan.

A full-coverage insurance also encompasses both comprehensive and collision coverage.

  • Collision Insurance: This coverage ensures your vehicle is protected against damage from incidents involving another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive insurance: This coverage addresses damages to your automobile that result from non-collision events such as vandalism, extreme weather conditions, natural disasters and being struck by an animal like a deer.

For those with new vehicles, carrying full coverage insurance is a wise decision. Owners of older cars may find that the supplemental cost of these expanded protections may not justify the additional expenditure of hundreds of dollars. When deciding how much car insurance you need, consider the trade-off: higher premiums for more extensive coverage versus the risk of being inadequately insured with lower coverage levels.

Cheapest Car Insurance in Long Beach After a Driving Offense

MoneyGeek found that National General is the most affordable option in Long Beach for drivers with a poor driving record seeking full coverage insurance. This holds true for various offenses:

  • Speeding Ticket: National General ($1,525 per year)
  • At-fault accident: Capital Insurance Group ($1,738 per year)
  • DUI: National General ($1,525 per year)

Premium differences illustrate how offenses impact car insurance costs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,525Monthly Premium$127
Capital Insurance GroupAnnual Premium$1,700Monthly Premium$142
AAAAnnual Premium$1,853Monthly Premium$154
AllstateAnnual Premium$1,958Monthly Premium$163
MercuryAnnual Premium$1,976Monthly Premium$165
GEICOAnnual Premium$2,079Monthly Premium$173
ProgressiveAnnual Premium$2,257Monthly Premium$188
KemperAnnual Premium$2,312Monthly Premium$193

In Long Beach, your car insurance rates can increase significantly based on the gravity of your driving offenses; the more severe the infraction, the higher the premium. For instance, drivers with a DUI may see their annual rates surge to about $3,994, while those who've merely been speeding could face rates around $2,383. This substantial disparity highlights the importance for individuals with driving offenses to diligently compare insurance quotes to secure the most affordable coverage.

Cheapest Car Insurance in Long Beach for Teens and Their Families

Allstate offers the most affordable full coverage car insurance for both male and female teens in Long Beach. This is a significant find for families looking for the cheapest car insurance for teens.

  • Allstate: $3,377 per year for female teens and $3,377 per year for male teens
  • GEICO: $3,485 per year for female teens and $3,641 per year for male teens

These rates represent a policy covering a combination of two parents and one teenage driver. Kemper has the most expensive policy for teen family car insurance in Long Beach, with annual premiums of $7,292 for female teens. The staggering difference of $3,915 between the cheapest and most expensive options underscores the importance of shopping around.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
AllstateFamily Plan Annual Premium$3,377Individual Plan Monthly Premium$3,692
GEICOFamily Plan Annual Premium$3,485Individual Plan Monthly Premium$4,056
FarmersFamily Plan Annual Premium$3,596Individual Plan Monthly Premium$4,670
Capital Insurance GroupFamily Plan Annual Premium$3,616Individual Plan Monthly Premium$3,375
State FarmFamily Plan Annual Premium$3,871Individual Plan Monthly Premium$3,949
ProgressiveFamily Plan Annual Premium$4,050Individual Plan Monthly Premium$4,033
TravelersFamily Plan Annual Premium$4,838Individual Plan Monthly Premium$4,051
NationwideFamily Plan Annual Premium$5,861Individual Plan Monthly Premium$7,595

In Long Beach and similar cities, teen drivers can expect to pay significantly more for car insurance on an individual policy compared to being added to a family plan. On average, an individual annual premium for a teen is approximately $4,795, while the average family annual premium is about $4,460.

The disparity in rates is attributed to the elevated risk insurers associate with inexperienced teen drivers. Furthermore, teens may struggle to secure an individual policy due to their limited driving history.

Cheapest Car Insurance in Long Beach for Military Drivers

The following insurers offer the cheapest car insurance for current or former military members in Long Beach, CA:

  • Progressive: $1,194 per year
  • Allstate: $1,347 per year

Although not the cheapest insurance provider, USAA offers coverage tailored for military personnel and veterans.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,194Monthly Premium$99
AllstateAnnual Premium$1,347Monthly Premium$112
USAAAnnual Premium$1,359Monthly Premium$113
GEICOAnnual Premium$1,396Monthly Premium$116
AAAAnnual Premium$1,431Monthly Premium$119
National GeneralAnnual Premium$1,452Monthly Premium$121
Capital Insurance GroupAnnual Premium$1,473Monthly Premium$123
MercuryAnnual Premium$1,495Monthly Premium$125

How to Compare Cheap Long Beach Car Insurance Quotes Online

Shopping for the best car insurance rates in Long Beach can lead to significant savings. You can use MoneyGeek's car insurance calculator to get estimates of rates. Simply input your desired coverage level and a few additional details to receive a tailored rate estimate.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 19, 2024

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Best Car Insurance in Long Beach: Overview

Choosing the best auto insurance hinges on what you value most. MoneyGeek's unique scoring system highlights the best providers in Long Beach based on these aspects:

  • Best overall: Capital Insurance Group (MoneyGeek score 83 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Capital Insurance Group (MoneyGeek score 80 out of 100)

While Capital Insurance Group emerges as the top choice for overall value and affordability in Long Beach, Chubb is tailor-made for those prioritizing service.

Best Overall Car Insurance in Long Beach

According to MoneyGeek's comprehensive analysis,Capital Insurance Group offers the best car insurance in Long Beach.

  • Capital Insurance Group: MoneyGeek score of 83 out of 100 ($1,473 per year)
  • Chubb: MoneyGeek score of 79 out of 100 ($2,116 per year)

Capital Insurance Group distinguishes itself not only with an impressive MoneyGeek score but also due to its strong performance in customer satisfaction and affordability.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
83/ of 100

Overview

Capital Insurance Group’s high MoneyGeek score is influenced by its top-rated customer satisfaction and solid claims process. It includes both common coverages: roadside assistance and rental car and/or travel reimbursement. It also offers custom parts coverage and full glass coverage. Capital Insurance Group offers cover for a range of customers.

Best Car Insurance in Long Beach for Customer Service

MoneyGeek found that Chubb is the best option in Long Beach for those who prioritize top-notch customer service in car insurance, regardless of the rates. This assessment focuses on overall satisfaction, proficient claims handling and comprehensive coverage options.

  • Chubb: MoneyGeek score of 94 out of 100 ($2,116 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,473 per year)

Chubb excels in providing good customer experiences, with the highest score in both claims processing and coverage offerings.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb's high MoneyGeek score is influenced by exceptional scores in satisfaction and claims. Chubb provides both rental car and/or travel reimbursement and roadside assistance. It also offers diminished value coverage, which is beneficial in preserving the resale value of your car following an accident. OEM coverage is also offered, as is antique/classic car insurance.

Best Cheap Car Insurance Companies in Long Beach

MoneyGeek found that Capital Insurance Group is the best option in Long Beach for cheap car insurance, topping the charts with a commendable MoneyGeek score.

  • Capital Insurance Group: MoneyGeek score of 80 out of 100 ($612 per year)
  • Mercury: MoneyGeek score of 78 out of 100 ($553 per year)

Capital Insurance Group stands out as the leading provider, due to its satisfaction and claims handling scores, contributing significantly to its overall rating.

Company logo for Capital Insurance Group
Best Cheap CompanyCapital Insurance Group
MoneyGeek Score:
80/ of 100

Overview

Capital Insurance Group has a high satisfaction score, demonstrating exceptional customer experience. With an average annual premium of only $612, the average driver benefits from considerable savings on minimum coverage.

Average Cost of Car Insurance in Long Beach

In Long Beach, the average car insurance cost is found to be $1,685, which is higher than the state average in California, which stands at $1,562. Moreover, the state average for California falls $219 below the national average cost of car insurance, which is pegged at $1,781.

Variables such as local traffic conditions, accident rates and auto theft statistics can significantly influence regional insurance costs. Santa Maria asserts the title for the most affordable car insurance premium at $1,251, whereas Glendale stands out with the most expensive premium in the state at $2,433.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.