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

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.