bestauto insuranceLong Beach2022Compare the Cheapest Car Insurance Quotes in Long Beach, CA
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 Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Last Updated: 5/16/2022
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Mark Fitzpatrick
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In Long Beach, Esurance has the cheapest full coverage auto insurance on average. For minimum coverage, Progressive offers the cheapest average premiums. However, rates vary by driver profile and coverage amount. Esurance offers the best average rates for drivers with tickets, while USAA is great for military families. AAA and GEICO are the best companies that balance affordability and service.
bestauto insuranceLong Beach2022The Cheapest and Best Car Insurance in Long Beach
Cheapest Overall - Esurance
Cheapest State Minimum - Esurance
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
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
At roughly $1,286 annually, USAA is an option worth considering if you are in the military.
The most expensive rates on average are from Allied, which can go up to $2,073 per year.
Getting a full coverage policy means you will have comprehensive and collision coverage in addition to liability coverage. Depending on your profile and if you plan to increase your liability limits, these rates can change.
Cheapest Car Insurance in Long Beach
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,157
- 2.$1,252
- 3.$1,286
- 4.$1,341
- 5.$1,384
MoneyGeek calculated rates based on a 40-year-old male driver looking for a full coverage policy in Long Beach with limits specified in our methodology.
Between full coverage and state minimum insurance, the former is a bit more expensive than the latter as it has more coverage besides the minimum liability. It includes:
- Collision Insurance: When you hit another vehicle or a stationary object, collision insurance will help cover the expenses.
- Comprehensive Insurance: Anything that is not under collision damage, such as damages as a result of theft, vandalism or any natural disaster, will fall under this coverage.
If your premiums are worth more than what your car is worth, especially if you have an older car, it does not make sense to get a full coverage policy. A state minimum policy is a better option.
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.
Cheapest Car Insurance in Long Beach for Minimum Coverage
On average, the most affordable minimum car insurance providers for drivers in Long Beach are:
- Progressive: $513 per year
- Esurance: $611 per year
Affordable rates are available from USAA at an average cost of $546 per year, but these policies are only available to military families.
The most expensive minimum coverage policies are available from Allied, with an average cost of $929 per year.
In general, a minimum coverage policy has cheaper rates than a full coverage policy but has a limited coverage amount. Use the table to see how higher liability coverage impacts costs.
Cheapest Minimum Liability Car Insurance in Long Beach
State Minimum
- CompanyState Minimumper year
- 1.$513
- 2.$546
- 3.$611
- 4.$646
- 5.$655
While minimum coverage is the most affordable policy, it has low levels of coverage. Though policyholder’s can save on their monthly premiums, they risk having to pay for excess damages if the coverage reaches its limit. For example, when a driver is at-fault and the medical bills go over the state-mandated limit of $15,000, they will have to pay for the expenses that exceed this amount.
California Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Long Beach if You Have Driving Violations
A driving violation significantly increases car insurance rates. On average, the most affordable insurers in Long Beach for drivers with a bad record include:
- Cheapest after a ticket: Esurance, $1,471 per year
- Cheapest after an at-fault accident: Esurance, $1,822 per year
- Cheapest after a DUI: Mercury, $2,665 per year
If you want to lower your premiums, you need to have a good driving record for a certain period of time. In the interim, comparing different companies in Long Beach that could offer the cheapest rates after a violation can get you more affordable premiums.
Cheapest Car Insurance in Long Beach With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,406
- 2.$1,471
- 3.$1,791
- 4.$1,895
- 5.$1,945
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.
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.
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.
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.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:87.5
5
State Farm
Score:87.5
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:82.5
9
Allstate
Score:82.5
10
Safeco
Score:80
11
CSAA
Score:77.5
12
Liberty Mutual
Score:77.5
13
Farmers
Score:77.5
14
Mercury
Score:77.5
15
Nationwide
Score:75
16
Kemper
Score:70
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
- 90806$1,531
- 90805$1,566
- 90802$1,606
- 90813$1,684
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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