Establishing which companies have the most affordable auto insurance rates for drivers with good credit requires a tad more effort than just comparing a company or two. Every insurance provider uses a little different formula for filing rates in each state, so let’s examine the most budget-friendly auto insurance companies in Long Beach, CA.
It’s important that readers know that Long Beach, CA auto insurance rates are determined by lots of factors which can substantially change the price of your policy. Getting older, adding a teenager to your policy, or having a fender bender can cause premium changes that can now make some companies much cheaper than others.
Find the Best Cheap Insurance for High Credit
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allied | $1,541 |
| 10 | Progressive | $1,558 |
| 11 | Allstate | $1,559 |
| 12 | GEICO | $1,559 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | State Farm | $1,733 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,946 |
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USAA may offer some of the most affordable car insurance rates in Long Beach at around $1,121 per year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the cheaper Long Beach, CA auto insurance companies.
In the above rates, if you currently buy coverage from Wawanesa and switched to USAA, you could realize savings of upwards of $36. Insureds with Century National could save as much as $57 a year, and CSAA customers might cut rates by $101 a year.
If you want to find out if you’re overpaying, click here to start your custom quote or feel free to get quotes from the companies below.
Understand that those rates are averages for all types of insureds and vehicles and do not factor in a specific zip code for drivers with good credit. So the car insurance company that is most affordable for your situation may not even be in the top 24 companies in the list above. That illustrates why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
The car, truck, or SUV requiring coverage is a large consideration when trying to find the lowest-priced auto insurance for drivers with good credit. Vehicles with high performance features, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models.
The list below showcases car insurance rates for a number of the most affordable vehicles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,130 |
| Hyundai Elantra GLS Touring Station Wagon | $1,238 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,240 |
| Toyota Prius | $1,252 |
| Honda Accord LX 4-Dr Sedan | $1,276 |
| Honda CR-V EX-L 4WD | $1,310 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,324 |
| Ford Fusion S 4-Dr Sedan | $1,336 |
| Chevrolet Malibu LS | $1,346 |
| Ford Explorer Eddie Bauer AWD | $1,362 |
| Honda Civic VP 4-Dr Sedan | $1,384 |
| Toyota Tacoma X-Runner 2WD | $1,408 |
| Nissan Rogue S 2WD | $1,430 |
| Ford F-150 Lariat King Ranch 2WD | $1,434 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,441 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,458 |
| Toyota RAV4 Limited 4WD | $1,506 |
| Dodge Grand Caravan Hero | $1,512 |
| Chevrolet Impala LT | $1,506 |
| Toyota Camry Hybrid | $1,528 |
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in specific zip code location which can increase or decrease premium rates considerably.
Based upon these rates, vehicles like the Ford Escape, Hyundai Elantra, and Chevrolet Silverado are likely to be a few of the cheaper vehicles to insure for financially responsible drivers.
How to get discounts on Long Beach car insurance rates
Insurance companies that provide coverage for drivers with good credit may also offer price discounts that could potentially reduce rates by as much as 30% if you are eligible to receive them. Larger auto insurance companies and a selection of discounts can be found below.
- American Family has savings for defensive driver, good student, accident-free, TimeAway discount, and Steer into Savings.
- State Farm offers premium reductions for good driver, driver’s education, Steer Clear safe driver discount, good student, multiple autos, accident-free, and safe vehicle.
- 21st Century policyholders can earn discounts including automatic seat belts, anti-lock brakes, 55 and older, driver training, early bird, and good student.
- Travelers offers discounts including multi-policy, hybrid/electric vehicle, multi-car, home ownership, good student, early quote, and driver training.
- GEICO includes discounts for emergency military deployment, daytime running lights, multi-vehicle, multi-policy, anti-theft, driver training, and five-year accident-free.
The chart below shows the comparison of insurance rates with and without some available policy discounts. Data assumes a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, anti-theft, multiple policy, multiple vehicle, passive restraint, and vehicle safety discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for drivers with good credit is 28% or $735.
California auto insurance companies ranked
Choosing a good quality company is hard considering how many companies provide coverage in California. The rank data displayed below could help you select which providers to look at to insure your vehicles. The rankings below are only made up of companies who write in the majority of U.S. states, so companies that focus mainly on California business are not factored into the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
The diagram below illustrates how choosing a deductible can increase or decrease insurance prices when trying to find cheap insurance for drivers with good credit. The data assumes a married female driver, full physical damage coverage, and no additional discounts are factored in.
As shown above, a 40-year-old driver could lower their policy premium by $408 a year by increasing from a $100 deductible up to a $500 deductible, or save $614 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could potentially save as much as $1,008 or even more just by choosing larger deductibles.
When increasing deductibles, it will be necessary to have enough savings set aside to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Why are you paying too much for car insurance?
Long Beach auto insurance rates are based on many factors that will increase or decrease the price you have to pay. Turning one year older, having a claim, or getting a ticket for running a stop sign may cause policy rate changes resulting in some companies being more affordable than competitors. Not only that, but insurers amend pricing as often as every three months in order to remain profitable. Unexpectedly high claims can cause higher rates, while lower claims may produce more affordable Long Beach car insurance rates.
As an example, the graph below analyzes the cheapest car insurance in Long Beach, CA for a 40-year-old female driver with no prior accidents, a clean driving record, and a decent credit rating. If we look at prices based on her personal risk profile, USAA may have the lowest car insurance rates in Long Beach at $1,328 per year. This is $323 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remaining cheapest Long Beach, CA auto insurance companies.
Now we will pretend the driver in the first chart a claim, a little lower credit rating, and a speeding ticket. Because every insurance company has their own process for filing rates in each state, analyzing rates could now result in a new list of the cheapest Long Beach car insurance companies as shown below.
Grange now has the best price in Long Beach with Mercury, Allstate, Progressive, and GEICO also being competitive. This example proves why it is crucial to shop around with many companies to get affordable car insurance rates for drivers with good credit.
Auto insurance prices are made up of many different factors and can decrease or increase without notice, so the best option the last time you compared rates may now be costing you a lot of money.