bestauto insuranceLong BeachCompare 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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/6/2023
Edited By |
Morgan Hull
Written By |
Mark Fitzpatrick
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, whereas USAA is great for military families. Esurance and AAA are the best companies that balance affordability and service.
bestauto insuranceLong BeachThe Cheapest and Best Car Insurance in Long Beach
Cheapest Overall - Esurance
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
Best Overall - Esurance
Methodology
MoneyGeek reviewed different auto insurance companies in Long Beach based on information gathered from the National Association of Insurance Commissioners, J.D. Power and AM Best.
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: helps cover the expenses when you hit another vehicle or a stationary object
- Comprehensive insurance: pays for non-collision damages, such as theft and vandalism
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
Although minimum coverage is the most affordable policy, it has low levels of coverage. Policyholders can save on their monthly premiums, but 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
MoneyGeek researched the best auto insurance companies in Long Beach, CA. Based on affordability, financial stability, customer satisfaction and claims ratings, these are the top two insurers in Long Beach:
- Esurance: MoneyGeek score of 92 out of 100
- AAA: MoneyGeek score of 81 out of 100
MoneyGeek excluded USAA from this list since it only caters to military members and their families. However, USAA garnered a MoneyGeek score of 90 out of 100, making USAA the best full coverage car insurance in Long Beach for military members.
1
Esurance
Score:92
Esurance scored the highest in Long Beach, especially in stability, customer satisfaction and affordability. Esurance charges an average rate of $1,157 per year for coverage. This car insurance provider offers custom parts coverage and gap insurance.
More About Esurance
A unique add-on that Esurance offers is customs parts coverage. This endorsement protects any upgraded parts that you’ve added to your car, including sound systems, custom grills and more. Esurance also provides Long Beach drivers with access to gap insurance, which covers the remaining payments on your lease, up to 25% more than the actual cash value, if your car is totaled.
Read MoneyGeek's Esurance auto Insurance Review2
AAA
Score:81
AAA ranked second among the best car insurance companies in Long Beach. It performs well in stability, customer satisfaction and claims. AAA insurance costs about $1,469 per year and offers identity theft coverage and roadside assistance.
More About AAA
AAA’s roadside assistance will be there if you get a flat tire, run out of gas on the road, get locked out of your car or need to jumpstart a dead battery. Another unique add-on that AAA offers is the identity theft coverage. Included in the AAA membership, identity theft monitoring helps protect the account owner from possible security threats to your financial and personal information.
Read MoneyGeek's AAA auto Insurance Review3
Progressive
Score:80
4
MetLife
Score:77
5
GEICO
Score:74
6
Allstate
Score:73
7
Mercury
Score:66
8
State Farm
Score:58
9
Travelers
Score:57
10
Farmers
Score:51
11
Hartford
Score:29
12
Allied
Score:18
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 secure 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.
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