What Auto Insurance is Cheapest for Electric Cars in Long Beach?

For eco-friendly vehicles, one of the largest things that are looked at to help calculate the annual cost of car insurance is where you call home. Cities with more crime and/or more people will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.

The following table lists the highest-priced places in California for electric cars to purchase auto insurance in. Long Beach comes in at #9 with an annual cost of $1,578 for coverage, which is approximately $132 per month.

How much does car insurance cost in Long Beach, CA?
Rank City Annual Premium
1 Glendale $2,142
2 Los Angeles $2,104
3 Oakland $1,755
4 San Francisco $1,711
5 Sacramento $1,669
6 San Bernardino $1,644
7 Santa Clarita $1,595
8 Fontana $1,581
9 Long Beach $1,578
10 Stockton $1,541
11 Garden Grove $1,524
12 Fresno $1,502
13 Santa Ana $1,497
14 Moreno Valley $1,491
15 Modesto $1,487
16 Riverside $1,482
17 Anaheim $1,430
18 San Jose $1,423
19 Irvine $1,384
20 San Diego $1,368
Start a Quote Go

Table data uses comparative as the specific Long Beach residence address can lower or raise prices significantly.

Deciphering which companies quote the most affordable insurance rates for electric cars involves a bit more work in order to find a policy that fits your budget. Each auto insurance company has their own process for establishing rates, so let’s take a look at the most competitive insurance companies in Long Beach, CA.

Lowest Insurance Price Quotes for EV’s

Click Here to Start Your Quote

What’s the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,192
3 CSAA $1,198
4 Century National $1,214
5 Nationwide $1,263
6 21st Century $1,379
7 Grange $1,447
8 Progressive $1,512
9 Mercury $1,548
10 Allied $1,556
11 Allstate $1,559
12 GEICO $1,575
13 The Hartford $1,591
14 MetLife $1,606
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,750
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $1,966
Get a Custom Quote Go

USAA may offer some of the best car insurance rates in Long Beach at around $1,155 annually. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the more affordable Long Beach, CA car insurance companies.

As depicted above, if you are insured with Nationwide and switched to Wawanesa, you may see a yearly price reduction of approximately $71. California drivers with 21st Century may save as much as $187 a year, and Grange insureds might lower prices by up to $255 a year.

Be aware that those rates are averages for all types of drivers and the different vehicles they drive and and are not calculated with an exact zip code location for electric cars. So the company that has the cheapest price for you may not even be in the top 24 companies in the list above. That’s why you need to get rate quotes from many companies using your own specific driver information and vehicle.

Discounts on Long Beach auto insurance rates

Save on insurance for eco-friendly vehicles in Long BeachAuto insurance companies that sell policies for electric cars may also provide premium discounts that could reduce prices by as much as 30% if you qualify. A list of insurance companies and their possible discounts are detailed below.

The information below illustrates the comparison of insurance rates with and without discounts applied to the policy rates. The information is based on a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, defensive driving course, accident-free, marriage, homeowner, and multiple vehicle discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for electric cars is 28% or $703.

Picking a highly-rated car insurance company can be rather challenging considering how many different companies there are to choose from in California. The ranking data displayed below could help you select which insurers to look at shopping your coverage with.

These ratings are for the companies with a significant amount of written premium nationwide, so smaller regional companies are not included in this list. To check rates from many more California auto insurance companies, click here.

Best 15 Insurance Companies for Electric Cars in Long Beach
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
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Last year’s bargain might be this year’s rip off

Long Beach, CA insurance rates are influenced by many factors that may substantially change the price you pay. Turning one year older, marrying your spouse, or getting caught speeding may cause policy rate changes that can now make some companies more affordable than before. Not only may things change on your end, but auto insurance companies change rates at least once a year in order to protect their financial rating. Significantly higher losses may cause additional premium costs, while long-term profits can produce more affordable Long Beach car insurance rates.

For example, the data below shows which companies have the cheapest car insurance in Long Beach, CA for a 30-year-old male driver with no prior accidents, a clean driving record, and good financial standing. If we estimate rates based on his current risk profile, Wawanesa offers the best car insurance rates in Long Beach at $1,393 per year. This is $258 less than the average price paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are the rest of the best Long Beach, CA auto insurance companies.

The chart below compares rates after we give the driver from the first set of rates a couple of claims, less-than-perfect credit, and a traffic ticket or two. Due to the fact that each insurance company uses their own formula to set premium rates, analyzing rates may now show a significantly different list of affordable companies as shown below.

Grange now has the cheapest insurance rate in Long Beach, CA with Mercury, Allstate, GEICO, and Allied now rounding out the top five. This illustrates why it is critical to perform a complete rate comparison to find affordable car insurance rates for electric cars.

Rates are made up of many factors and change dramatically, so the cheapest option when you bought your policy may now be one of the higher cost companies.