What Auto Insurance is Cheapest for Drivers Under 21 in Long Beach?

Life would sure be easier if we could just tell you the company that has the rock bottom lowest rates in California. Unfortunately, it’s not that simple as there are a whole bunch of unknown aspects like the neighborhood you live in, if you are a homeowner or renter, if you want full coverage included, and whether you are a man or a woman. We will try to teach you about the different ways to avoid overpaying and will hopefully give you a good start to your coverage search.

Deciding which companies quote the best insurance rates for drivers under 21 takes a bit more effort in order to find coverage that fits your budget.

Each company has a unique formula to set premium rates, so let’s take a look at the most affordable insurance companies in Long Beach, CA. It’s a good idea to be aware that Long Beach insurance rates are impacted by many things which can significantly increase or decrease the price of coverage. Simply having another birthday, moving to a different location, or having an at-fault accident can trigger changes in premium that may make certain companies cheaper than others.

Cheapest Insurance Rates for Minors

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,155
2 CSAA $1,186
3 Century National $1,190
4 Wawanesa $1,192
5 Nationwide $1,226
6 21st Century $1,338
7 Grange $1,491
8 Mercury $1,503
9 Progressive $1,512
10 Allstate $1,513
11 The Hartford $1,575
12 GEICO $1,575
13 MetLife $1,590
14 Allied $1,603
15 Unitrin $1,682
16 State Farm $1,733
17 Esurance $1,756
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $2,006
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USAA quotes some of the most affordable car insurance rates in Long Beach at around $1,155 annually. This is $496 less than the average price paid by California drivers of $1,651. CSAA, Century National, Wawanesa, and Nationwide would also make the list of some of the lowest-priced Long Beach, CA auto insurance companies.

As depicted above, if you currently buy coverage from CSAA and switched to USAA, you might achieve yearly savings of in the vicinity of $31. Drivers with Century National might save as much as $35 a year, and Wawanesa policyholders might lower prices by up to $37 a year.

To find the cheapest coverage for you, click here to start your custom quote or quote prices from the following companies.

Be aware that those premium estimates are averaged across all insureds and vehicles and and are not figured with a vehicle location for drivers under 21. So the insurer that fits your needs best may not even be in the top 24 companies in the list above. That helps illustrate why you need to get rate quotes using your own personal information and vehicle type.

The vehicle that needs insurance is probably the largest consideration that determines whether or not you find the most economical insurance for drivers under 21. Vehicles with limited top-end speed, good safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models. The information below features auto insurance premiums for a handful of the cheaper automobiles to insure in California.

Cheapest Vehicles to Insure in Long Beach, CA
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 2WD $3,795
Honda CR-V LX 4WD $3,805
Toyota Prius $4,135
Ford Edge SE 2WD $4,208
Toyota Tacoma 4WD $4,250
Ford F-150 STX Super Cab 4WD $4,291
Volkswagen Jetta SE 2.5 Station Wagon $4,391
Honda Odyssey EX $4,465
Ford Focus S 4-Dr Sedan $4,475
GMC Sierra SLE Crew Cab 2WD $4,506
Chevrolet Equinox LS AWD $4,515
Toyota RAV4 Sport 4WD $4,506
Dodge Grand Caravan SXT $4,548
Dodge Ram 3500 Crew Cab Laramie 2WD $4,557
Ford Explorer Limited 2WD $4,548
Jeep Wrangler Unlimited Sport 4WD 4-Dr $4,680
Hyundai Elantra Blue 4-Dr Sedan $4,722
Chevrolet Impala LTZ $4,763
Nissan Altima Hybrid 4-Dr Sedan $4,805
Chevrolet Malibu LTZ $4,812
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Table data represents single female driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in specific Long Beach, CA garaging location which can influence coverage rates greatly.

Looking at the numbers, we can presume that makes and models like the Ford Escape, Honda CR-V, Toyota Prius, Ford Edge, and Toyota Tacoma should be a few of the less-costly vehicles to insure for minors. The price for car insurance will trend higher because of the fact that there is more inherent risk for drivers under 21, but generally speaking those particular vehicles will most likely have the best rates that you’ll find.

Choosing the right company can be challenging considering how many choices there are in Long Beach. The rank data displayed below can help you decide which auto insurers to look at comparing rate quotes with. The rankings below only include large insurance companies, so companies that have a smaller presence are not factored into these rankings.

Long Beach, CA Insurance Company Rankings
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

Safe drivers pay less for insurance

The ideal way to get the most affordable insurance rates for minors is to be a good driver and avoid accidents and traffic citations. The illustration below shows how violations and accident claims can impact insurance costs for different age groups of insureds. The information is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

The data in the chart shows the average cost of car insurance per year with no accidents or violations is $1,751. Receive two speeding tickets and the average cost jumps to $2,488, an increase of $737 each year. Now include one accident along with the two speeding tickets and the annual cost of insurance for drivers under 21 jumps again to an average of $3,229. That’s an increase of $1,479, or $123 per month, just for not driving safely!

What aren’t you shopping around?

Long Beach insurance rates are impacted by many factors that control the cost of having a policy. Simply having another birthday, buying a home, or having an accident can trigger changes in premium that can make some companies more affordable than competitors.

Additionally, insurance companies amend pricing every year to adjust for heavy claims or excess profits. Higher than normal claim frequency or severity may cause more expensive prices, while profitable underwriting may result in lower-cost Long Beach car insurance rates.

The data below shows rates for the cheapest car insurance in Long Beach, CA for a 45-year-old female driver with no violations or accidents, and a good credit history. If we compare prices based on her current situation, USAA may have the lowest car insurance rates in Long Beach at $1,370 each year. This is $281 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National round out the rest of the most affordable Long Beach, CA auto insurance companies.

Let’s now give the driver from the first rate comparison an accident claim, a lower credit score, and an imperfect driving record. Because each insurer has their own formula to set their prices, analyzing rate quotes will most likely result in a different ranking of companies as shown below.

Grange now has the best car insurance rate in Long Beach with Mercury, Allstate, GEICO, and Progressive now being in the top five. This example proves why consumers need to take the time to compare rates to find the best car insurance rates for drivers under 21. Car insurance prices can be determined by many factors and can decrease or increase without notice, so the best price three years ago may now be quite expensive.

The insurance agents in Long Beach listed below can aid you in deciding which car insurance company is the best fit, as many people would rather get some guidance when buying car insurance for minors. It’s not always easy to find the best policy on your own, and agents can give satisfaction knowing your policy gives you enough coverage if you have a claim.

To locate a Long Beach auto insurance agent nearest to you, click the button at the bottom or click here to get price quotes now.

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