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The cheapest company for you may vary depending on your coverage needs and preferences. Progressive is the best overall car insurance provider. It offers the least expensive full coverage car insurance. USAA provides the most affordable car insurance for current and former military members. Allstate offers the cheapest car insurance for teens on a family policy. Meanwhile, GEICO offers the cheapest minimum car insurance in Long Beach, CA.

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2023

Cheapest and Best Car Insurance in Long Beach, CA

Cheapest Minimum Liability Car Insurance in Long Beach

The most affordable car insurance companies for a minimum coverage policy in Long Beach, CA, are:

  • GEICO: $472 per year
  • Progressive: $478 per year

GEICO is our top pick due to its high score for customer satisfaction and cheap minimum coverage policies. Chubb offers the most expensive minimum coverage auto insurance in the city, with an annual premium of $885.

Company
Annual Premium
Monthly Premium

GEICO

$467

$39

GEICO

$472

$39

Progressive

$478

$40

Progressive

$485

$40

State Farm

$533

$44

Mercury

$535

$45

Mercury

$549

$46

GEICO

$558

$46

Progressive

$568

$47

AAA California

$569

$47

Nationwide

$573

$48

Nationwide

$595

$50

AAA California

$595

$50

Travelers

$632

$53

Travelers

$632

$53

Capital Insurance Group

$651

$54

Kemper

$654

$54

Hartford

$661

$55

Mercury

$675

$56

State National

$675

$56

Capital Insurance Group

$675

$56

Allstate

$680

$57

Allstate

$688

$57

Farmers

$694

$58

State National

$695

$58

State Farm

$703

$59

Farmers

$714

$60

Travelers

$722

$60

AAA California

$727

$61

Allstate

$739

$62

Nationwide

$749

$62

Kemper

$754

$63

Capital Insurance Group

$757

$63

Hartford

$763

$64

National General

$776

$65

National General

$799

$67

State Farm

$804

$67

Farmers

$811

$68

State National

$819

$68

Chubb

$885

$74

Chubb

$912

$76

National General

$960

$80

Kemper

$1,000

$83

Hartford

$1,002

$84

Progressive

$1,146

$95

Progressive

$1,148

$96

GEICO

$1,177

$98

Allstate

$1,190

$99

GEICO

$1,216

$101

State Farm

$1,226

$102

National General

$1,228

$102

National General

$1,248

$104

Allstate

$1,250

$104

Chubb

$1,277

$106

Mercury

$1,314

$110

AAA California

$1,317

$110

Nationwide

$1,318

$110

AAA California

$1,328

$111

Mercury

$1,341

$112

Capital Insurance Group

$1,368

$114

Progressive

$1,382

$115

Allstate

$1,382

$115

GEICO

$1,407

$117

Nationwide

$1,432

$119

Hartford

$1,434

$120

Capital Insurance Group

$1,449

$121

National General

$1,496

$125

State Farm

$1,575

$131

State National

$1,585

$132

Capital Insurance Group

$1,633

$136

Travelers

$1,648

$137

Hartford

$1,657

$138

Farmers

$1,680

$140

State National

$1,710

$143

Farmers

$1,713

$143

Travelers

$1,722

$143

Kemper

$1,740

$145

Mercury

$1,744

$145

AAA California

$1,748

$146

State Farm

$1,838

$153

Nationwide

$1,865

$155

Farmers

$2,026

$169

Travelers

$2,049

$171

State National

$2,108

$176

Chubb

$2,116

$176

Kemper

$2,138

$178

Hartford

$2,168

$181

Chubb

$2,184

$182

Kemper

$2,603

$217

Chubb

$3,122

$260

In California, car insurance policies must meet state-mandated liability limits for minimum coverage, which includes both bodily injury liability and property damage liability with the following limits:

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

Liability coverage provides financial protection against injuries or damages caused to others. With the above coverage limits, your insurer would cover up to $15,000 in medical expenses per injured person, up to a maximum of $30,000 per accident. You will be responsible for any expenses that exceed this amount.

Cheapest Full Coverage Car Insurance in Long Beach

The cheapest car insurance companies for a full coverage policy in Long Beach, CA, are:

  • Progressive: $1,148 per year
  • GEICO: $1,216 per year

The most expensive insurance company in the city is Chubb. Its average annual premium is $2,116 for a full coverage policy.

Company
Annual Premium
Monthly Premium

GEICO

$467

$39

GEICO

$472

$39

Progressive

$478

$40

Progressive

$485

$40

State Farm

$533

$44

Mercury

$535

$45

Mercury

$549

$46

GEICO

$558

$46

Progressive

$568

$47

AAA California

$569

$47

Nationwide

$573

$48

Nationwide

$595

$50

AAA California

$595

$50

Travelers

$632

$53

Travelers

$632

$53

Capital Insurance Group

$651

$54

Kemper

$654

$54

Hartford

$661

$55

Mercury

$675

$56

State National

$675

$56

Capital Insurance Group

$675

$56

Allstate

$680

$57

Allstate

$688

$57

Farmers

$694

$58

State National

$695

$58

State Farm

$703

$59

Farmers

$714

$60

Travelers

$722

$60

AAA California

$727

$61

Allstate

$739

$62

Nationwide

$749

$62

Kemper

$754

$63

Capital Insurance Group

$757

$63

Hartford

$763

$64

National General

$776

$65

National General

$799

$67

State Farm

$804

$67

Farmers

$811

$68

State National

$819

$68

Chubb

$885

$74

Chubb

$912

$76

National General

$960

$80

Kemper

$1,000

$83

Hartford

$1,002

$84

Progressive

$1,146

$95

Progressive

$1,148

$96

GEICO

$1,177

$98

Allstate

$1,190

$99

GEICO

$1,216

$101

State Farm

$1,226

$102

National General

$1,228

$102

National General

$1,248

$104

Allstate

$1,250

$104

Chubb

$1,277

$106

Mercury

$1,314

$110

AAA California

$1,317

$110

Nationwide

$1,318

$110

AAA California

$1,328

$111

Mercury

$1,341

$112

Capital Insurance Group

$1,368

$114

Progressive

$1,382

$115

Allstate

$1,382

$115

GEICO

$1,407

$117

Nationwide

$1,432

$119

Hartford

$1,434

$120

Capital Insurance Group

$1,449

$121

National General

$1,496

$125

State Farm

$1,575

$131

State National

$1,585

$132

Capital Insurance Group

$1,633

$136

Travelers

$1,648

$137

Hartford

$1,657

$138

Farmers

$1,680

$140

State National

$1,710

$143

Farmers

$1,713

$143

Travelers

$1,722

$143

Kemper

$1,740

$145

Mercury

$1,744

$145

AAA California

$1,748

$146

State Farm

$1,838

$153

Nationwide

$1,865

$155

Farmers

$2,026

$169

Travelers

$2,049

$171

State National

$2,108

$176

Chubb

$2,116

$176

Kemper

$2,138

$178

Hartford

$2,168

$181

Chubb

$2,184

$182

Kemper

$2,603

$217

Chubb

$3,122

$260

A full coverage policy includes comprehensive collision insurance and liability coverage that protects you and your vehicle.

  • Collision insurance provides coverage for damages caused to your vehicle in the event of a collision with another vehicle or object.
  • Comprehensive insurance safeguards your car against theft, natural disasters, vandalism and fire.

Although a full coverage policy offers more protection, it may not be worth the added cost for owners with older vehicles.

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Cheapest Car Insurance in Long Beach After a Driving Offense

The following insurers offer the cheapest rates in Long Beach for drivers with traffic violations:

  • Speeding ticket: National General ($1,291 per year)
  • At-fault accident: Capital Insurance Group ($1,707 per year)
  • DUI: National General ($1,291 per year)

The most expensive providers for drivers with a speeding ticket, at-fault accident or DUI offense are Chubb (2,781 per year), Kemper (3,831 per year) and Hartford ($6,094 per year). A driving violation can significantly increase the cost of your car insurance. “Cheap” policies for drivers with poor records will likely still be more than average-priced policies for those with a clean driving history.

Company
Annual Premium
Monthly Premium

Mercury

$690

$58

Mercury

$709

$59

GEICO

$712

$59

GEICO

$720

$60

Capital Insurance Group

$721

$60

Capital Insurance Group

$747

$62

Capital Insurance Group

$755

$63

AAA California

$760

$63

Capital Insurance Group

$784

$65

AAA California

$795

$66

State Farm

$809

$67

National General

$819

$68

National General

$819

$68

GEICO

$833

$69

Capital Insurance Group

$841

$70

GEICO

$843

$70

National General

$845

$70

National General

$845

$70

State Farm

$845

$70

GEICO

$850

$71

Progressive

$859

$72

Mercury

$863

$72

Kemper

$870

$72

Progressive

$873

$73

Mercury

$875

$73

Capital Insurance Group

$881

$73

Nationwide

$886

$74

Mercury

$887

$74

AAA California

$908

$76

Nationwide

$921

$77

Farmers

$947

$79

Farmers

$947

$79

Progressive

$947

$79

AAA California

$951

$79

Allstate

$951

$79

State National

$957

$80

State National

$957

$80

Mercury

$961

$80

Hartford

$963

$80

Hartford

$963

$80

Progressive

$964

$80

Allstate

$965

$80

Farmers

$973

$81

Farmers

$973

$81

AAA California

$974

$81

Travelers

$984

$82

Travelers

$984

$82

State National

$987

$82

State National

$987

$82

Nationwide

$987

$82

Mercury

$988

$82

GEICO

$995

$83

Kemper

$1,004

$84

National General

$1,015

$85

National General

$1,015

$85

Nationwide

$1,025

$85

Progressive

$1,032

$86

Progressive

$1,034

$86

Allstate

$1,041

$87

Progressive

$1,056

$88

State Farm

$1,069

$89

Mercury

$1,095

$91

Allstate

$1,097

$91

Travelers

$1,101

$92

Travelers

$1,103

$92

Farmers

$1,107

$92

Farmers

$1,107

$92

Allstate

$1,112

$93

State Farm

$1,116

$93

Hartford

$1,124

$94

Hartford

$1,124

$94

Capital Insurance Group

$1,132

$94

Travelers

$1,135

$95

Progressive

$1,141

$95

Chubb

$1,144

$95

GEICO

$1,145

$95

GEICO

$1,158

$96

Nationwide

$1,163

$97

State National

$1,167

$97

State National

$1,167

$97

AAA California

$1,167

$97

National General

$1,170

$97

Chubb

$1,172

$98

Capital Insurance Group

$1,174

$98

Farmers

$1,183

$99

Allstate

$1,204

$100

National General

$1,206

$101

Farmers

$1,216

$101

State Farm

$1,221

$102

Mercury

$1,221

$102

Progressive

$1,250

$104

Travelers

$1,269

$106

State Farm

$1,275

$106

National General

$1,291

$108

National General

$1,291

$108

Nationwide

$1,297

$108

National General

$1,312

$109

National General

$1,312

$109

Capital Insurance Group

$1,320

$110

Travelers

$1,329

$111

Travelers

$1,329

$111

Kemper

$1,334

$111

GEICO

$1,368

$114

Farmers

$1,383

$115

Chubb

$1,394

$116

Chubb

$1,423

$119

National General

$1,451

$121

Kemper

$1,482

$124

Kemper

$1,482

$124

Hartford

$1,508

$126

Hartford

$1,508

$126

Chubb

$1,536

$128

Travelers

$1,538

$128

Capital Insurance Group

$1,567

$131

Nationwide

$1,567

$131

National General

$1,572

$131

National General

$1,572

$131

Capital Insurance Group

$1,606

$134

Nationwide

$1,630

$136

Capital Insurance Group

$1,665

$139

State Farm

$1,666

$139

AAA California

$1,706

$142

Capital Insurance Group

$1,707

$142

AAA California

$1,718

$143

Allstate

$1,729

$144

Mercury

$1,733

$144

State National

$1,738

$145

GEICO

$1,768

$147

Mercury

$1,771

$148

Chubb

$1,787

$149

State National

$1,793

$149

Kemper

$1,801

$150

Kemper

$1,801

$150

Chubb

$1,812

$151

Allstate

$1,821

$152

State Farm

$1,823

$152

GEICO

$1,826

$152

National General

$1,828

$152

Chubb

$1,840

$153

National General

$1,859

$155

Capital Insurance Group

$1,877

$156

State Farm

$1,910

$159

Capital Insurance Group

$1,925

$160

AAA California

$1,972

$164

Allstate

$1,977

$165

GEICO

$1,981

$165

Allstate

$2,009

$167

AAA California

$2,017

$168

AAA California

$2,019

$168

Allstate

$2,022

$169

GEICO

$2,041

$170

Nationwide

$2,044

$170

AAA California

$2,068

$172

Nationwide

$2,069

$172

GEICO

$2,114

$176

State National

$2,132

$178

Allstate

$2,139

$178

Hartford

$2,142

$179

Hartford

$2,142

$179

Progressive

$2,166

$181

Mercury

$2,167

$181

Progressive

$2,169

$181

Allstate

$2,177

$181

State Farm

$2,203

$184

Chubb

$2,204

$184

Mercury

$2,215

$185

Nationwide

$2,222

$185

National General

$2,230

$186

State National

$2,256

$188

State National

$2,256

$188

Allstate

$2,261

$188

AAA California

$2,264

$189

Nationwide

$2,277

$190

Kemper

$2,278

$190

Kemper

$2,278

$190

Mercury

$2,310

$193

Kemper

$2,312

$193

Farmers

$2,317

$193

Farmers

$2,317

$193

Mercury

$2,324

$194

Hartford

$2,336

$195

State Farm

$2,345

$195

Progressive

$2,358

$197

Progressive

$2,360

$197

Farmers

$2,365

$197

Farmers

$2,365

$197

GEICO

$2,365

$197

Mercury

$2,369

$197

State National

$2,433

$203

State National

$2,433

$203

Capital Insurance Group

$2,450

$204

State Farm

$2,455

$205

Nationwide

$2,477

$206

Hartford

$2,488

$207

Hartford

$2,488

$207

State Farm

$2,515

$210

Allstate

$2,521

$210

Travelers

$2,531

$211

AAA California

$2,542

$212

Capital Insurance Group

$2,602

$217

Progressive

$2,623

$219

Travelers

$2,635

$220

AAA California

$2,665

$222

Progressive

$2,695

$225

Progressive

$2,700

$225

State Farm

$2,734

$228

Hartford

$2,769

$231

Chubb

$2,781

$232

Farmers

$2,799

$233

Farmers

$2,799

$233

Travelers

$2,829

$236

GEICO

$2,832

$236

Kemper

$2,844

$237

Chubb

$2,850

$237

Progressive

$2,856

$238

State Farm

$2,864

$239

Mercury

$2,888

$241

Farmers

$2,896

$241

Nationwide

$2,904

$242

GEICO

$2,923

$244

Capital Insurance Group

$2,937

$245

Travelers

$2,938

$245

Farmers

$2,956

$246

State National

$3,003

$250

State National

$3,003

$250

Mercury

$3,083

$257

Travelers

$3,159

$263

Nationwide

$3,243

$270

Progressive

$3,269

$272

Hartford

$3,285

$274

Hartford

$3,285

$274

GEICO

$3,387

$282

Chubb

$3,423

$285

Kemper

$3,466

$289

Chubb

$3,490

$291

Farmers

$3,498

$292

Travelers

$3,528

$294

Travelers

$3,530

$294

Nationwide

$3,625

$302

Travelers

$3,683

$307

State Farm

$3,768

$314

Allstate

$3,778

$315

Chubb

$3,788

$316

Hartford

$3,809

$317

Kemper

$3,831

$319

Kemper

$3,831

$319

Nationwide

$3,948

$329

Allstate

$3,991

$333

AAA California

$4,110

$342

AAA California

$4,119

$343

State National

$4,218

$352

Chubb

$4,434

$369

Travelers

$4,448

$371

Allstate

$4,449

$371

Chubb

$4,495

$375

State National

$4,557

$380

Chubb

$4,564

$380

State Farm

$4,847

$404

Kemper

$4,847

$404

Kemper

$4,847

$404

Nationwide

$5,186

$432

Hartford

$5,201

$433

AAA California

$5,438

$453

Chubb

$5,506

$459

State National

$5,641

$470

State Farm

$5,651

$471

Kemper

$5,753

$479

Kemper

$5,753

$479

Hartford

$6,094

$508

Hartford

$8,177

$681

Typically, rates increase in proportion to the severity of the offense. For instance, a driver with a speeding ticket in Long Beach will pay $1,535 more per year than a driver with a speeding ticket. Although your insurance rate may be more than a driver with a clean history, you can still find affordable car insurance with a poor driving record.

Cheapest Car Insurance in Long Beach for Teens and Their Families

In Long Beach, the following insurers off the cheapest rates for 16-year-old teens on a family policy:

  • Allstate: $3,377 per year for female teens, $3,377 per year for male teens
  • GEICO: $3,485 per year for female teens; Farmers: $3,596 per year for male teens

Kemper offers the most expensive auto insurance for teens on a family insurance policy at $7,292 per year. Typically, insurance rates for female teens are cheaper than for male teens since insurance providers consider male teens riskier to insure. However, as male teens gain more driving experience and enter early adulthood, this difference tends to decrease.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,557

$2,590

GEICO

$1,588

$2,875

GEICO

$1,593

$2,649

GEICO

$1,614

$2,782

GEICO

$1,631

$2,953

GEICO

$1,633

$2,716

GEICO

$1,654

$3,115

GEICO

$1,675

$3,032

Allstate

$1,836

$3,018

Allstate

$1,836

$3,018

GEICO

$1,844

$2,855

GEICO

$1,892

$3,207

Capital Insurance Group

$1,917

$2,356

Capital Insurance Group

$1,917

$2,356

Allstate

$1,920

$3,156

Allstate

$1,920

$3,156

Progressive

$1,940

$2,805

Progressive

$1,940

$2,805

Allstate

$1,968

$3,504

Allstate

$1,968

$3,504

Allstate

$1,985

$3,264

Allstate

$1,985

$3,264

Nationwide

$2,037

$3,868

Nationwide

$2,037

$3,868

Progressive

$2,100

$3,037

Progressive

$2,100

$3,037

Allstate

$2,119

$3,532

Allstate

$2,119

$3,532

Capital Insurance Group

$2,181

$2,788

Capital Insurance Group

$2,181

$2,788

Nationwide

$2,231

$4,236

Nationwide

$2,231

$4,236

Progressive

$2,248

$3,755

Progressive

$2,248

$3,755

Capital Insurance Group

$2,269

$2,788

Capital Insurance Group

$2,269

$2,788

Capital Insurance Group

$2,269

$2,788

Capital Insurance Group

$2,269

$2,788

Nationwide

$2,302

$4,834

Nationwide

$2,302

$4,834

Progressive

$2,355

$3,405

Progressive

$2,355

$3,405

GEICO

$2,365

$4,125

Nationwide

$2,394

$4,545

Nationwide

$2,394

$4,545

Allstate

$2,436

$4,523

Allstate

$2,436

$4,523

GEICO

$2,440

$4,676

Farmers

$2,454

$3,084

Farmers

$2,454

$3,084

Allstate

$2,475

$4,125

Allstate

$2,475

$4,125

Capital Insurance Group

$2,541

$3,138

Capital Insurance Group

$2,541

$3,138

GEICO

$2,587

$4,005

Capital Insurance Group

$2,634

$3,138

Capital Insurance Group

$2,634

$3,138

GEICO

$2,669

$4,525

State Farm

$2,675

$3,625

State Farm

$2,675

$3,625

Travelers

$2,680

$3,410

Travelers

$2,680

$3,410

Nationwide

$2,681

$5,278

Nationwide

$2,681

$5,278

Farmers

$2,753

$3,586

Farmers

$2,753

$3,586

Travelers

$2,775

$3,531

Travelers

$2,775

$3,531

State Farm

$2,782

$3,769

State Farm

$2,782

$3,769

Progressive

$2,791

$4,114

Progressive

$2,791

$4,114

Capital Insurance Group

$2,820

$3,482

Capital Insurance Group

$2,820

$3,482

State Farm

$2,830

$4,088

State Farm

$2,830

$4,088

Travelers

$2,835

$3,803

Travelers

$2,835

$3,803

State Farm

$2,846

$3,856

State Farm

$2,846

$3,856

Farmers

$2,853

$3,586

Farmers

$2,853

$3,586

Farmers

$2,853

$3,586

Farmers

$2,853

$3,586

Travelers

$2,897

$3,687

Travelers

$2,897

$3,687

State Farm

$3,032

$4,171

State Farm

$3,032

$4,171

Farmers

$3,085

$4,119

Farmers

$3,085

$4,119

Kemper

$3,111

$4,576

Kemper

$3,111

$4,576

Travelers

$3,170

$3,995

Travelers

$3,170

$3,995

State Farm

$3,215

$4,637

State Farm

$3,215

$4,637

State Farm

$3,242

$4,459

State Farm

$3,242

$4,459

GEICO

$3,259

$5,959

Allstate

$3,260

$6,524

Allstate

$3,260

$6,524

Kemper

$3,285

$4,833

Kemper

$3,285

$4,833

Nationwide

$3,306

$7,304

Nationwide

$3,306

$7,304

Farmers

$3,335

$4,745

Farmers

$3,335

$4,745

Farmers

$3,367

$4,496

Farmers

$3,367

$4,496

Allstate

$3,377

$6,877

Allstate

$3,377

$6,877

GEICO

$3,388

$6,803

Allstate

$3,436

$6,877

Allstate

$3,436

$6,877

Travelers

$3,447

$4,624

Travelers

$3,447

$4,624

Kemper

$3,455

$5,670

Kemper

$3,455

$5,670

GEICO

$3,485

$6,625

Progressive

$3,491

$5,853

Progressive

$3,491

$5,853

Travelers

$3,502

$4,413

Travelers

$3,502

$4,413

Farmers

$3,510

$6,114

Farmers

$3,510

$6,114

Nationwide

$3,527

$6,941

Nationwide

$3,527

$6,941

Kemper

$3,569

$5,250

Kemper

$3,569

$5,250

GEICO

$3,574

$6,536

State Farm

$3,575

$5,879

State Farm

$3,575

$5,879

Farmers

$3,596

$6,395

Farmers

$3,596

$6,395

Farmers

$3,607

$6,283

Farmers

$3,607

$6,283

Capital Insurance Group

$3,616

$4,306

Capital Insurance Group

$3,616

$4,306

Capital Insurance Group

$3,616

$4,306

Capital Insurance Group

$3,616

$4,306

Capital Insurance Group

$3,616

$4,306

Capital Insurance Group

$3,616

$4,306

GEICO

$3,641

$7,646

Progressive

$3,712

$5,471

Progressive

$3,712

$5,471

GEICO

$3,729

$7,489

State Farm

$3,788

$6,230

State Farm

$3,788

$6,230

State Farm

$3,871

$6,985

State Farm

$3,871

$6,985

Kemper

$3,993

$6,004

Kemper

$3,993

$6,004

Progressive

$4,026

$7,435

Progressive

$4,026

$7,435

Progressive

$4,050

$7,495

Progressive

$4,050

$7,495

Progressive

$4,065

$7,506

Progressive

$4,065

$7,506

Kemper

$4,313

$6,485

Kemper

$4,313

$6,485

Kemper

$4,351

$7,139

Kemper

$4,351

$7,139

Travelers

$4,617

$5,842

Travelers

$4,617

$5,842

Travelers

$4,826

$6,107

Travelers

$4,826

$6,107

Travelers

$4,838

$6,415

Travelers

$4,838

$6,415

Nationwide

$5,050

$9,912

Nationwide

$5,050

$9,912

Nationwide

$5,680

$11,149

Nationwide

$5,680

$11,149

Nationwide

$5,861

$13,453

Nationwide

$5,861

$13,453

Kemper

$6,580

$9,753

Kemper

$6,580

$9,753

Kemper

$7,226

$10,710

Kemper

$7,226

$10,710

Kemper

$7,292

$11,963

Kemper

$7,292

$11,963

Teen drivers and their families can save money by adding them to a family policy instead of purchasing an individual policy. In Long Beach, 16-year-old male teens could save at least $673 per year by joining a family policy. When it comes to buying cheap car insurance for teens, it's important to compare providers’ rates and identify key discount opportunities.

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:

  • USAA: $1,006 per year
  • Progressive: $1,148 per year

The cheapest insurance providers for minimum coverage are USAA and GEICO, at $439 and $472, respectively.

Company
Annual Premium
Monthly Premium

USAA

$438

$37

USAA

$439

$37

GEICO

$467

$39

GEICO

$472

$39

Progressive

$478

$40

Progressive

$485

$40

USAA

$530

$44

State Farm

$533

$44

Mercury

$535

$45

Mercury

$549

$46

GEICO

$558

$46

Progressive

$568

$47

AAA California

$569

$47

Nationwide

$573

$48

Nationwide

$595

$50

AAA California

$595

$50

Travelers

$632

$53

Travelers

$632

$53

Capital Insurance Group

$651

$54

Kemper

$654

$54

Hartford

$661

$55

Mercury

$675

$56

State National

$675

$56

Capital Insurance Group

$675

$56

Allstate

$680

$57

Allstate

$688

$57

Farmers

$694

$58

State National

$695

$58

State Farm

$703

$59

Farmers

$714

$60

Travelers

$722

$60

AAA California

$727

$61

Allstate

$739

$62

Nationwide

$749

$62

Kemper

$754

$63

Capital Insurance Group

$757

$63

Hartford

$763

$64

National General

$776

$65

National General

$799

$67

State Farm

$804

$67

Farmers

$811

$68

State National

$819

$68

Chubb

$885

$74

Chubb

$912

$76

National General

$960

$80

USAA

$984

$82

Kemper

$1,000

$83

Hartford

$1,002

$84

USAA

$1,006

$84

Progressive

$1,146

$95

Progressive

$1,148

$96

GEICO

$1,177

$98

Allstate

$1,190

$99

USAA

$1,206

$101

GEICO

$1,216

$101

State Farm

$1,226

$102

National General

$1,228

$102

National General

$1,248

$104

Allstate

$1,250

$104

Chubb

$1,277

$106

Mercury

$1,314

$110

AAA California

$1,317

$110

Nationwide

$1,318

$110

AAA California

$1,328

$111

Mercury

$1,341

$112

Capital Insurance Group

$1,368

$114

Progressive

$1,382

$115

Allstate

$1,382

$115

GEICO

$1,407

$117

Nationwide

$1,432

$119

Hartford

$1,434

$120

Capital Insurance Group

$1,449

$121

National General

$1,496

$125

State Farm

$1,575

$131

State National

$1,585

$132

Capital Insurance Group

$1,633

$136

Travelers

$1,648

$137

Hartford

$1,657

$138

Farmers

$1,680

$140

State National

$1,710

$143

Farmers

$1,713

$143

Travelers

$1,722

$143

Kemper

$1,740

$145

Mercury

$1,744

$145

AAA California

$1,748

$146

State Farm

$1,838

$153

Nationwide

$1,865

$155

Farmers

$2,026

$169

Travelers

$2,049

$171

State National

$2,108

$176

Chubb

$2,116

$176

Kemper

$2,138

$178

Hartford

$2,168

$181

Chubb

$2,184

$182

Kemper

$2,603

$217

Chubb

$3,122

$260

How to Compare Cheap Long Beach Car Insurance Quotes Online

It can take up to 15 minutes to input the information required for a single car insurance quote. When comparing rates from multiple insurers, this time adds up. MoneyGeek’s car insurance calculator allows you to quickly estimate your rate based on your age, car model, coverage level and driving record, streamlining the process.

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Progressive

Best Car Insurance in Long Beach: Summary

The best insurer for you will vary depending on how much you value coverage options, cost and customer service. The following insurers are the best providers in Long Beach, CA, for these respective categories:

  • Best overall: Progressive (MoneyGeek score of 74 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

An insurer’s overall MoneyGeek score may vary across categories depending on how individual factors were weighted in that category. In addition to the insurers above, USAA is another great option for military-affiliated drivers, earning a high MoneyGeek score of 85 out of 100. Although the best insurer in Long Beach is Progressive, CSAA offers the best car insurance in California.

Best Overall Car Insurance in Long Beach

In Long Beach, the following insurers offer the best overall full coverage car insurance policies:

  • Progressive: MoneyGeek score of 74 out of 100 ($1,148 per year)
  • GEICO: MoneyGeek score of 73 out of 100 ($1,216 per year)

Progressive has the cheapest rates and offers a variety of coverage options, making it a great value for your money. We also recommend USAA for military-affiliated drivers — the insurer earned a high MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

Progressive

pros

Has the cheapest rates

Offers a fair amount of coverage options

Offers rental car and/or travel reimbursement, roadside assistance and custom parts and equipment coverage

cons

Has an average customer satisfaction rating

COMPANY HIGHLIGHTS

Progressive offers common coverages for an affordable cost. The insurer offers rental car and/or travel reimbursement, roadside assistance and custom parts coverage.

With rental car and/or travel reimbursement coverage, Progressive will pay for rental car expenses up to a specific limit if your car is undergoing repairs after a covered loss. Progressive also offers roadside assistance, which can be helpful if your car breaks down. With this coverage, the insurer will pay for dead battery, flat tire, lock-out, towing or gas delivery services. It’s important to note that the insurer does not pay for the cost of these items, only the service to replace or install them.

If you add custom parts and equipment to your car, such as a navigation system or custom wheels, you can protect these items with custom parts and equipment (CPE) coverage. This coverage pays for the repair or replacement of aftermarket accessories not installed by the original manufacturer up to a limit of $5,000.

Read MoneyGeek's Progressive Auto Insurance Review

Best Car Insurance in Long Beach for Customer Service

Irrespective of cost, the best companies for customer service in Long Beach are:

  • Chubb: MoneyGeek score of 76 out of 100 ($2,116 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,449 per year)

Of the 14 insurers we analyzed, Chubb has the highest claims management score and the second-highest customer satisfaction score performed well in claims experience and coverage ratings. However, its policies are the most expensive.

How was this MoneyGeek score calculated?

Chubb

pros

Has the highest claims management rating of the insurers in our study

Provides excellent customer service

Offers rental car and/or travel reimbursement, diminished value and Original equipment manufacturer (OEM) coverage

cons

Offers a below-average amount of coverage options

COMPANY HIGHLIGHTS

Chubb is the best insurer in Long Beach, CA for drivers who prioritize customer service over cost. The insurer has the best track record for claims management and a high customer satisfaction score.

Though the insurer has fewer coverage options than some of its competitors, the ones offered, rental car and/or travel reimbursement, diminished value coverage and original equipment manufacturer (OEM) coverage, may be widely applicable to most drivers.

With Chubb's rental car and/or travel reimbursement coverage, you can receive up to $5,000 to pay for rental car expenses if your vehicle is undergoing repairs after a covered loss. This is a great coverage option to have if you frequently travel. Through the insurer’s diminished value coverage, drivers establish an agreed-upon value of their vehicle when they purchase a policy. If their car is stolen or totaled, Chubb will send them a check for the agreed-upon amount.

Chubb also stands out among its competitors by offering original equipment manufacturer (OEM) coverage. This pays for the cost to replace your vehicle’s damaged safety systems and parts with new ones if yours are damaged in a covered accident.

Best Cheap Car Insurance in Long Beach

MoneyGeek analyzed car insurance companies in California that meet the state's minimum coverage requirements, taking into account both service quality and affordability.

The best insurance companies in Long Beach for minimum coverage policies are:

  • GEICO: MoneyGeek score of 78 out of 100 ($472 per year)
  • Progressive: MoneyGeek score of 77 out of 100 ($478 per year)

Minimum coverage policies in Long Beach, CA are inexpensive, but they offer limited protection for liability expenses. These policies do not cover any damages to your car in the event of an accident.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $472 per year

Has a good customer satisfaction rating

Offers a discount for bundling insurance policies and defensive driving

cons

Has a low claims management rating

COMPANY HIGHLIGHTS

GEICO is the best insurer for minimum coverage policies in Long Beach, CA due to its affordability and quality customer service. Policyholders looking to save money can reduce the cost of their insurance even further through the insurer’s multiple discount opportunities.

GEICO offers discounts for bundling policies and defensive driving. You can qualify for a bundling discount if you purchase home, renters, condo or mobile home insurance with your car insurance policy. When you complete a defensive driving course, you may also qualify for a discount. In addition to these common discounts, the insurer offers a federal employee, new vehicle and seat belt use discount. You can qualify for a discount if you’re an active or retired federal employee, new vehicle owner or frequent seat belt user.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Long Beach

The average cost of auto insurance in Long Beach for full coverage is $1,497 per year as of October 2022. This is $110 more expensive than the average cost of full coverage car insurance in California at $1,387 per year and $232 less expensive than the national average cost of car insurance, $1,265 per year. Location is one of many factors that can impact your car insurance rate.

These rates are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.