Best Long Beach, CA Auto Insurance in 2024

California auto insurance requires all drivers to have 15/30/5 in liability coverage, something to consider when looking for Long Beach, CA auto insurance. Liability insurance pays if the driver is at fault for the accident.

It may be advisable to get more than the minimum so you’ll be covered in the event the car is stolen, or someone else causes the accident. Drivers looking for cheap car insurance in Long Beach, CA have several choices.

The best Long Beach, CA car insurance companies providing affordable car insurance premiums are Farmers, State Farm, Liberty Mutual, Nationwide, and Allstate. Allstate leads the pack at $60/month for Long Beach, CA auto insurance.

Need cheap auto insurance in Long Beach, CA? Long Beach, CA auto insurance quotes are only a click away. Don’t spend hours running searches for “auto insurance near me.” Key in your local ZIP code in the search box below.

Auto Insurance Coverage Requirements in California

Driving legally in Long Beach requires:

Coverage	Requirements	Most Common
Bodily Injury Liability	15,000/30,000	100,000/300,000
Property Damage Liability	5,000	100,000
Uninsured Motorist Bodily Injury	Not required	20,000/40,000
Medical Payments	Not required	5,000
Collision	Not required	500 deductible
Comprehensive	Not required	250 deductible

If the chart above looks a bit strange, it’s because California car insurance laws and regulations don’t always require that you buy more than liability coverage, or in as high amounts as other states require.

But although bare minimum state liability coverage seems attractively cheap, it might be better to protect yourself by spending a little bit more on your coverage.

Your typical California motorist is probably paying around $164 every month for their car insurance premium. Wondering how to get lower premiums?

Residing in Long Beach gives you a definite advantage — you can find affordable Long Beach, CA auto insurance for as little as $70/mo* if you act quickly.

As you can see, Liberty Mutal currently offers the highest premium rates in Long Beach.

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Cheap Auto Insurance in Long Beach, CA

Most motorists could get a reasonably low quote in Long Beach from Allstate, State Farm, or Nationwide. But bear in mind that different companies charge either drastically more (or delightfully less) based on different factors including your age, credit rating, and your driving history.

Be sure that you seek information from each company prior to deciding to switch and be aware of local road safety information.

Companies that supply automobile insurance policies evaluate numerous elements while calculating insurance rates, especially driving experience, ZIP code, type of vehicle owned, miles driven each year, and current insurance coverage and limits.

Remember, premiums for California car insurance differ from one company to another.

There are many well-known insurance options in Long Beach, including Geico Insurance and Infinity Insurance. Northstate Auto Insurance in Long Beach, CA may differ from Fiesta Auto Insurance Long Beach, CA in the same way AAA auto insurance in Long Beach, CA may differ from Infinity auto insurance in Long Beach, CA.

To find out if you’re still receiving the lowest rates, evaluate cheap Long Beach motor vehicle insurance premiums over the internet.

Major Factors in Cheap Auto Insurance in Long Beach, California

When looking for the cheapest insurance, you might feel slightly powerless once your automobile insurance company is calculating your quote; after all, almost all of the factors that they compute are out of your control.

Fortunately, however, there are some factors that you can change to get discounted rates in Long Beach. Keep reading to learn more.

Your ZIP Code

The place you store your vehicle each night will likely have a significant influence on your auto insurance rates.

Usually, auto insurance is cheaper outside of major metropolitan areas, because fewer vehicles on the road means you’re less likely to get into an accident.

The population of Long Beach is 469,428 and the average household income is $52,116. See an example of how ZIP codes can affect your insurance rates by checking out the chart below.

As you can see, there are major differences in rates based on ZIP code. Tired of sifting through all the options after searching for “car insurance near me”? Easily compare auto insurance rates by using our quote box below.

Automotive Accidents

California is a very car-friendly state; but because there are so many drivers on the road, there is an increased number of car accidents as well. However, you could potentially avoid the increased rates that are common in cities with high accidents if you qualify for a safe driving discount.

Your insurance agent will have more information. Accident statistics can be seen in the chart below.

Keep reading to learn more about factors that affect auto insurance rates in Long Beach.

Auto Thefts in Long Beach

Just about all insurance agencies worry about auto theft; this is especially true for drivers who live in larger cities. Densely populated areas generally mean a greater chance that you could be targeted by auto thieves.

In a recent report, there were 2,355 stolen cars in Long Beach in a single year. Since this is a fairly large number, you may wish to add or increase comprehensive coverage on your policy.

Check out the differences between basic and comprehensive rates by using the chart below.

As you can see, Liberty Mutual has the highest rates for both basic and comprehensive rates.

Your Credit Score

California is one of three states in the entire country where automotive insurance companies are not permitted to alter your rates based on your credit score.

This is good for anyone who has less than perfect credit; however, insurance companies will charge drivers with great credit a little bit more to offset the money they aren’t allowed to charge motorists with poor credit.

Your Age

It may not surprise you to learn that young drivers pay some of the highest auto insurance rates. This is due to their lack of experience behind the wheel and tendency to engage in risky behavior.

If you’re 25 or younger, you may be able to reduce your rates by qualifying for a good student discount or driver’s education discounts. You can see how insurance rates vary based on age in the chart below.

As the chart shows, rates can differ by hundreds of dollars from many companies depending on the age of the person being insured.

Your Driving Record

Have you ever heard of accident forgiveness discount rates? Essentially, if you have a small accident or other non-serious citation on your record, your provider may give you a break when calculating your Long Beach, CA auto insurance rates.

Keep in mind that not all insurance companies offer these discount rates, so make sure to check around. Rates based on driving violations can be seen in the chart below.

As you can see, most companies have major differences in rates based on accidents or driving violations.

Your Vehicle

The biggest factor determining your auto insurance premium is the amount of coverage you buy. This is actually the primary reason why luxury cars cost a lot more to insure.

If you’ve got an expensive car, you need to buy several kinds of coverage, and you’ve got to make sure your coverage amounts are sufficient to pay for all potential costs for repair or replacement.

In the chart below, we’ve compared two very different vehicles: a 2015 Honda Accord and a 2012 Porsche Spyder.

As the chart shows, the Porsche’s insurance rates are higher than the Honda’s with all companies listed.

Minor Factors in Cheap Auto Insurance in Long Beach, California

Here are some other factors that may affect your auto insurance rates in Long Beach:

Your Marital Status

Have you ever heard of bundling discount rates? Married couples can get discounts on auto insurance by bundling their policies together.

Your Gender

A lot of insurance companies have stopped considering a policyholder’s gender when setting auto insurance rates, but a few still do.

When companies do consider this factor, the difference in rates between men and women is usually negligible.

Your Driving Distance to Work

Like many California cities, navigating the roads may be an arduous challenge for drivers in Long Beach.

Average commute times are generally between 30-35 minutes. Around 73 percent of commuters drive their own vehicle to work, while 13 percent carpool.

Your commute time may have a marginal effect on your auto insurance rates; however, if you need to register your car as a business vehicle, your rates may go up 10-12 percent.

Check out the chart below to see auto insurance rates based on commute distance in Long Beach.

Group	10 miles commute. 6000 annual mileage.	25 miles commute. 12000 annual mileage.	Average
Allstate	$4,258.71	$5,195.08	$4,726.90
Farmers	$4,944.03	$5,955.86	$5,449.95
Geico	$2,984.52	$3,587.25	$3,285.89
Liberty Mutual	$2,906.42	$3,427.69	$3,167.06
Nationwide	$4,555.25	$5,770.49	$5,162.87
Progressive	$2,835.94	$3,418.16	$3,127.05
State Farm	$4,521.78	$4,863.87	$4,692.83
Travelers	$3,333.34	$4,081.60	$3,707.47
USAA	$2,748.82	$3,218.44	$2,983.63

As you can see, USAA and Liberty Mutual offer lower rates compared to other companies in the area.

Your Coverage & Deductibles

We spoke about deductibles earlier — the mandatory payments you have to give insurance companies before they’ll fulfill certain claims, for example, comprehensive or collision claims.

Raising your deductible will give you lower rates for your monthly payments, but make sure you set aside some extra money so you can pay that deductible if you need to file a claim.

Education in Long Beach, CA

Twenty-seven percent of Long Beach residents haven’t finished high school, while 19 percent have their diploma.

It’s never too late to go back to school, and doing so could significantly lower your auto insurance rates.

California State University operates a satellite campus in Long Beach, as does DeVry University. And for a relevant degree in half the time, there’s also the Long Beach City College to consider.

Vehicle insurance is one of the most significant investments you can make as a customer. You have to be sure to find a reputable, dependable provider who’s going to follow through on their claims.

Some insurance companies are better than others, and doing a thorough internet search can help you distinguish the good from the bad.

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How We Conducted Our Auto Insurance Analysis

*We calculated our average rates based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.

Miles driven annually were based on the national average. The average rates were also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Make searching for “cheap car insurance near me” easy. See how much you could be saving on auto insurance in Long Beach, California — get instant quotes by entering your ZIP code below.