The make and model of vehicle driven is probably the largest consideration when comparing cheaper car insurance for good drivers. Vehicles with higher performance characteristics, poor passenger safety features, or a track record of large liability claims will cost substantially more to insure than more economical and safe models.
The information below illustrates auto insurance rates for a handful of the cheapest vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,130 |
| Ford Escape Limited 2WD | $1,154 |
| Toyota Prius | $1,252 |
| Toyota RAV4 Limited 2WD | $1,336 |
| Ford F-150 XLT Regular Cab 4WD | $1,382 |
| Hyundai Elantra SE 4-Dr Sedan | $1,408 |
| Nissan Rogue S 2WD | $1,430 |
| Toyota Tacoma 2WD | $1,432 |
| Ford Focus SE 4-Dr Sedan | $1,439 |
| Jeep Grand Cherokee Limited 4WD | $1,434 |
| Toyota Corolla XRS | $1,443 |
| Honda Civic Hybrid 4-Dr Sedan | $1,434 |
| Ford F-350 XL Crew Cab 2WD | $1,458 |
| Chevrolet Impala LT | $1,461 |
| Dodge Grand Caravan Hero | $1,467 |
| Chevrolet Malibu Hybrid | $1,461 |
| Ford Edge SE AWD | $1,473 |
| Ford Explorer Limited AWD | $1,489 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,501 |
| Chevrolet Equinox LT AWD | $1,506 |
| Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $1,530 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,542 |
| Toyota Camry SE | $1,547 |
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in garaging location in Long Beach, CA which can impact insurance rates significantly.
Based upon the table data, models like the Honda CR-V, Ford Escape, Toyota Prius, Toyota RAV4, and Ford F-150 are most likely going to be some of the less-costly vehicles to insure for safe drivers.
For safe drivers, one of the big components that are looked at to help calculate the price you pay for insurance is your address in Long Beach. Regions with larger populations or more claims are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.
The table below lists the most expensive cities in California for good drivers to buy car insurance in. Long Beach is listed at #8 with an annual premium of $1,578 for the average policyholder, which is around $132 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,596 |
| 7 | Stockton | $1,588 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,570 |
| 10 | Santa Clarita | $1,548 |
| 11 | Fontana | $1,519 |
| 12 | Fresno | $1,517 |
| 13 | Moreno Valley | $1,506 |
| 14 | Santa Ana | $1,497 |
| 15 | Riverside | $1,497 |
| 16 | Modesto | $1,487 |
| 17 | Anaheim | $1,444 |
| 18 | Huntington Beach | $1,416 |
| 19 | Fremont | $1,403 |
| 20 | San Jose | $1,395 |
| 21 | San Diego | $1,381 |
| 22 | Irvine | $1,343 |
| 23 | Bakersfield | $1,340 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,298 |
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Price information shown is approximated as zip code location can change prices significantly.
Finding out which company offers the best insurance rates for good drivers will involve a little more effort in order to find the most economical policy. Each auto insurer has a unique formula for setting rates, so we’ll go over the insurance companies with the overall cheapest rates in Long Beach.
It’s important to understand that California insurance rates are impacted by many factors which can substantially change the price you have to pay. Improving your credit score, increasing deductibles, or having a fender bender can trigger changes in premium resulting in some companies being more affordable than others.
Cheapest Insurance Rates for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,192 |
| 3 | CSAA | $1,222 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,512 |
| 9 | GEICO | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | Allstate | $1,543 |
| 12 | Allied | $1,556 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $1,966 |
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USAA normally has some of the cheapest car insurance rates in Long Beach at around $1,109 per year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National also make the cut as some of the best Long Beach, CA auto insurance companies.
As shown above, if you are a policyholder with Nationwide and switched to Wawanesa, you may see yearly savings of roughly $34. California drivers with Century National may save as much as $34 a year, and 21st Century insureds might reduce rates by $133 a year.
To see how much you can save, click here to begin a quote or click through to the companies below.
These prices are averaged for all insureds and vehicles and do not factor in a specific zip code for good drivers. So the insurer that can offer you the best price may not even be in the list above. That’s why you need to get auto insurance quotes using your own driver information and specific vehicle type.
Careless driving habits raise Long Beach insurance rates
A great way to earn the cheapest insurance prices in Long Beach for safe drivers is to drive safe and maintain a clean driving record. The chart below illustrates how violations and at-fault claims can drive up insurance costs for different insured age categories. The rate quotes are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.
The data above shows the average cost of a car insurance policy in California per year with no accidents or violations is $1,948. Receive one speeding ticket and the average cost jumps to $2,267, an increase of $319 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of insurance for good drivers jumps again to an average of $3,165. That’s an increase of $1,217, or $101 per month, just for not driving attentively!
Picking the top insurance company is difficult considering how many different companies sell coverage in California. The company information shown below may help you analyze which car insurance companies you want to consider comparing rates with. These rankings are for large, nationwide insurance companies, so smaller regional companies are not included in this list.
Top 10 Major Auto Insurance Providers in Long Beach Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
The illustration below demonstrates how choosing different deductibles can impact insurance costs when quoting cheap insurance for good drivers. The costs are based on a single male driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $436 a year by switching from a $100 deductible up to a $500 deductible, or save $656 by changing to a $1,000 deductible. Younger drivers, like the Age 20 category, could reduce their rates up to $1,432 annually by choosing larger deductibles on their policy.
If you do make the decision to raise your deductibles, it will be required to have spare funds to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
You may be paying too much for car insurance
California insurance rates are based on many factors that will increase or decrease your annual premium. Turning one year older, having a teenage driver, or getting a couple of tickets can trigger changes in premium resulting in some rates now being cheaper in comparison to the competition. Additionally, car insurance companies amend premium rates as needed to adjust for unexpected claims or profits. An extended period of higher than normal claims can result in additional price hikes, while a lower level of claims can cause cheaper Long Beach car insurance rates.
The chart below shows the companies that have the cheapest car insurance in Long Beach, CA for a 35-year-old male driver with no prior accidents, a clean driving record, and a decent credit rating. If we look at prices based on his personal profile, USAA has the most affordable car insurance rates in Long Beach at $1,342 each year. This is $309 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the list of the cheapest Long Beach, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from above a chargeable accident, bad credit, and a traffic ticket or two. Because each insurer uses their own formula to set their prices, comparing insurance quotes may now result in a substantially altered list of affordable Long Beach car insurance companies as shown below.
Mercury now has the lowest price in Long Beach with Grange, Progressive, Allstate, and GEICO now rounding out the top five. This shows why it is crucial to take the time to shop around to get cheap auto insurance quotes for good drivers. Rates are influenced by many factors and can change substantially, so the cheapest rate three years ago may now not even be in the top five.