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.
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.
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.
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.
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.
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.
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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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?
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
Has an average customer satisfaction rating
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.
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?
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
Offers a below-average amount of coverage options
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?
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
Has a low claims management rating
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.
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