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.
| 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 |
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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.
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| 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 |
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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
Auto 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.
- State Farm has savings for Drive Safe & Save, student away at school, good driver, accident-free, defensive driving training, good student, and multiple autos.
- American Family discounts include Steer into Savings, early bird, bundled insurance, good driver, good student, TimeAway discount, and accident-free.
- GEICO may have discounts that include multi-vehicle, anti-lock brakes, good student, defensive driver, and daytime running lights.
- 21st Century may offer discounts for early bird, driver training, automatic seat belts, homeowners, and theft prevention.
- Progressive includes discounts for continuous coverage, multi-vehicle, online quote discount, online signing, multi-policy, good student, and homeowner.
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.
| 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
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.