Auto Insurance Costs In Long Beach, Ca: What To Expect

The cost of car insurance in Long Beach, California, varies depending on factors such as age, gender, vehicle type, driving record, and coverage level. The average cost of car insurance in the city is $154 per month for liability-only coverage and $263 per month for full coverage, which is slightly higher than the state and national averages. However, rates can vary significantly between insurance providers, so it is essential to compare quotes from multiple companies to find the most suitable deal.

The cheapest car insurance in Long Beach, California

The cost of car insurance in Long Beach, California, varies depending on factors such as age, gender, vehicle type, driving record, and coverage level. Here is a comprehensive guide to help you find the cheapest car insurance in Long Beach.

Average Cost of Car Insurance in Long Beach

Long Beach drivers pay an average of $60 per month or $649 per year for minimum coverage car insurance. This is about 4% more than the national average of $52 per month or $627 per year. For full-coverage insurance, the average cost is $196 per month or $2,348 per year, which is approximately 17% higher than the national average of $167 per month or $2,008 per year.

Cheapest Car Insurance Companies in Long Beach

According to recent data, the five cheapest car insurance companies in Long Beach, California, are:

• GEICO: Offering the cheapest minimum-coverage policies, with an average rate of $34 per month or $412 per year.
• USAA: The second-cheapest option, with average rates of $40 per month or $482 per year for minimum coverage.
• Progressive: Known for affordable rates, with full-coverage policies starting at $1,194 per year.
• Mercury: Often the most affordable choice for full coverage, with rates as low as $151 per month or $1,813 per year.
• Mile Auto: Offering minimum-coverage policies as low as $62 per month, making it the cheapest option for liability-only insurance.

Tips for Finding Cheap Car Insurance in Long Beach

To find the cheapest car insurance in Long Beach, consider the following strategies:

• Compare Quotes: Shop around and compare quotes from multiple insurance companies. This is crucial as rates can vary significantly between insurers.
• Safe Driving: Maintaining a clean driving record by adhering to traffic laws and avoiding accidents and violations will help keep your insurance rates low.
• Explore Discounts: Look for available discounts such as good student discounts, low-mileage discounts, or discounts for specific safety features in your vehicle.
• Bundle Policies: Consider bundling your car insurance with other types of insurance, such as home or renters insurance, to take advantage of potential discounts.
• Choose Customizable Coverage: Opt for customizable coverage options to ensure you only pay for the protection you need.

By following these tips and considering the recommended insurance providers, you can find the cheapest car insurance in Long Beach, California, that meets your specific needs and budget.

Average car insurance rates in Long Beach

The average cost of car insurance in Long Beach, California, varies depending on factors such as age, gender, vehicle type, driving record, and coverage level.

Average Monthly Costs

According to Compare.com, the average monthly cost of car insurance in Long Beach is $60, which is $4 more than the California average and $21 less than the national average. However, rates can vary significantly depending on individual factors.

Minimum Coverage

For minimum coverage, Progressive offers the cheapest rates in Long Beach, with annual premiums of $483. GEICO is a close second at $541 per year.

Full Coverage

For full coverage, Progressive again offers the most affordable option at $1,194 per year, followed by Allstate at $1,347 per year.

Teen Drivers

For teen drivers, GEICO offers the most affordable rates, with minimum coverage for 16-year-olds starting at $1,417 per year. USAA, Mercury, and Progressive also offer competitive rates for this age group.

Seniors

For senior drivers, Mile Auto offers the cheapest rates, with full coverage averaging $232 per month.

Drivers with Incidents

For drivers with incidents such as speeding tickets, at-fault accidents, or DUIs, Mile Auto consistently offers the most affordable rates across the board.

Average Rates by Age and Gender

Age is a significant factor, with rates generally decreasing as drivers gain more experience. In Long Beach, rates tend to be slightly higher for males than females, especially in the 18-24 age group.

Average Rates by Vehicle Type

Vehicle type also affects rates, with trucks and vans typically being the cheapest to insure, followed by cars and then SUVs.

Average Rates by Relationship Status

Married individuals often benefit from lower rates, as companies often offer discounts for multiple vehicles on the same policy.

Average Rates by Housing Situation

Housing situation can also impact rates, with renters paying slightly more than homeowners, and those living with their parents facing even higher premiums.

Cheapest Companies

While Progressive, GEICO, and Allstate are often the cheapest for various demographics and coverage levels, other competitive options include USAA, Mercury, Travelers, Mile Auto, Sun Coast, and Clearcover.

California Minimum Requirements

It's important to note that California requires drivers to carry a minimum liability coverage of 15/30/5, which will increase to 30/60/15 in January 2025.

Cheapest car insurance for drivers with an incident

The cost of car insurance in Long Beach, California, depends on various factors, including age, gender, driving history, and the level of coverage. Here is an overview of the cheapest car insurance options for drivers with an incident, such as a speeding ticket, an at-fault accident, or a DUI:

Speeding Ticket

According to Insurify, USAA offers the cheapest rates for drivers with a speeding ticket, with an average monthly cost of $49 for minimum coverage and $151 for full coverage. Geico, AAA, Mercury, and Kemper are also affordable options.

At-Fault Accident

For drivers with an at-fault accident, Insurify suggests USAA and AAA as the cheapest options, with average monthly rates of around $65 and $70, respectively, for minimum coverage.

DUI

Mercury is the most affordable option for drivers with a DUI history, according to Insurify. The average monthly cost for minimum coverage is $79, while full coverage is $117. Geico, Progressive, and Kemper also offer competitive rates for this demographic.

It's important to note that these rates are averages and may not reflect the exact cost for an individual driver, as rates can vary based on additional factors. It's always a good idea to compare quotes from multiple insurance companies to find the most suitable option.

Car insurance requirements in California

California requires all drivers to have car insurance. The minimum coverage required by law in California is:

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

These limits are mandated by the state of California. If you finance or lease your vehicle, your lender or leasing company may require additional coverage. This usually takes the form of physical damage coverage, often referred to as full coverage.

Liability coverage pays for bodily injuries and property damage you cause in an at-fault accident. It also covers an injured party's lost wages or pain and suffering. However, liability coverage does not pay for your own injuries or damage to your own property.

While liability insurance is the only coverage required by law, there are several other types of coverage that drivers in California should consider:

• Comprehensive coverage pays for damage to your vehicle caused by non-collision circumstances like theft or weather events.
• Collision coverage pays for damages to your vehicle resulting from a collision with another vehicle or object.
• Loan/lease payoff coverage, also known as gap coverage, helps pay the difference between what you owe on a vehicle loan and its actual cash value.
• Medical payments coverage pays for your medical expenses and those of your passengers if you are in an accident.
• Rental car reimbursement coverage helps pay for a rental car if your vehicle is unable to be driven.
• Roadside assistance coverage can help if you break down, get a flat tire, need a tow, etc.
• Uninsured/underinsured motorist coverage pays for your injuries if you are hit by an uninsured or underinsured driver.

In California, you must carry evidence of financial responsibility (insurance) in your vehicle at all times. Law enforcement officers, court personnel, and the DMV have electronic access to insurance information. Failure to provide proof of insurance when requested by law enforcement or when renewing your vehicle registration can result in fines and suspension of your vehicle's registration.

How to get the cheapest car insurance in Long Beach

Compare Different Companies

It's important to remember that the cheapest option may not always be the best. When looking for car insurance in Long Beach, it's essential to compare quotes from multiple insurance providers to find the most suitable deal for your needs.

Prioritize Safe Driving

Maintaining a clean driving record is crucial for keeping insurance rates low. By adhering to traffic laws and avoiding accidents and violations, you can prove to insurers that you're a low-risk driver, which may result in lower premiums.

Explore Available Discounts

Many insurance companies offer a range of discounts for various factors. These can include good grades, low mileage, specific safety features in your vehicle, or even bundling a home insurance policy with your auto policy.

Consider Minimum Coverage

If you're looking for the absolute lowest rates, consider opting for minimum coverage or liability-only insurance. This type of policy will help you meet the legal requirements but keep in mind that it won't cover your own vehicle damages or medical expenses in an accident.

Shop Around for Teen Drivers

Teen drivers typically pay much higher insurance rates due to their lack of experience. One way to mitigate this is to stay on a parent's insurance policy, which often results in lower premiums. Additionally, look for insurers that offer student-specific discounts, such as good grades or student-away-at-school discounts.

Focus on Your Own Profile

Insurance rates can vary significantly depending on personal factors such as age, ZIP code, vehicle type, and coverage preferences. When searching for the cheapest insurance, use your specific details to get accurate quotes.

Utilize Online Tools

Take advantage of online tools and calculators, such as the MoneyGeek car insurance calculator, to get personalized rate estimates. These tools can help you compare rates from different insurers and find the most affordable option for your profile.

Frequently asked questions