Finding reliable, reasonably-priced auto insurance is not the easiest thing to accomplish, and determining which insurers offer the lowest-priced car insurance rates in Long Beach will require a little more work.
Each auto insurer has a unique approach for establishing rates, so let’s take a look at the most competitive car insurance companies in Long Beach, CA. It’s important to understand that Long Beach, CA car insurance rates are determined by lots of factors that can increase the price you have to pay. Things like having a birthday, moving to a different location, or getting a ticket for running a stop sign can trigger rate changes that may make certain companies cheaper than competitors.
USAA may have some of the cheapest car insurance rates in Long Beach at around $1,109 annually. Century National, Wawanesa, CSAA, and Nationwide are also some of the best Long Beach, CA auto insurance companies.
In the above example, if you have coverage with CSAA and switched to USAA, you might realize an annual savings of upwards of $113. California drivers with Nationwide might save as much as $117 a year, and 21st Century customers might reduce rates by $216 a year.
To see if you’re overpaying, click here or visit any of the companies below.
Understand that those rates are averages across all types of insureds and vehicles and do not take into consideration an exact location in Long Beach. So the insurer that can offer the best rates for your situation may not even be in the top 24 companies shown above. That points out the importance of why you need to compare rates from multiple companies using your own individual information.
One of the more important components that help determine the annual cost of car insurance is where you live in Long Beach. Regions with larger populations or more claims tend to have more expensive auto insurance rates, whereas areas with less congestion benefit from lower prices.
The information below ranks the most costly cities in California to purchase a policy in. Long Beach is listed at #8 with the yearly price of $1,562 for the average policy, which is about $130 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,652 |
| 6 | Stockton | $1,603 |
| 7 | San Bernardino | $1,580 |
| 8 | Long Beach | $1,562 |
| 9 | Moreno Valley | $1,536 |
| 10 | Santa Clarita | $1,533 |
| 11 | Garden Grove | $1,524 |
| 12 | Fontana | $1,519 |
| 13 | Fresno | $1,502 |
| 14 | Modesto | $1,502 |
| 15 | Riverside | $1,497 |
| 16 | Anaheim | $1,488 |
| 17 | Santa Ana | $1,453 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Irvine | $1,371 |
| 21 | Bakersfield | $1,353 |
| 22 | Fremont | $1,348 |
| 23 | Oxnard | $1,344 |
| 24 | San Diego | $1,340 |
| 25 | Chula Vista | $1,298 |
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Rate information is approximated as specific location information can influence coverage prices significantly.
The vehicle model requiring insurance is one of the biggest factors when trying to find cheap car insurance in Long Beach. Vehicles with higher performance, a lack of modern safety features, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models.
The table below outlines coverage rates for a number of the cheapest vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,186 |
| Honda CR-V LX 2WD | $1,341 |
| Ford Escape XLS 2WD | $1,350 |
| Ford F-150 XL Crew Cab 4WD | $1,356 |
| Chevrolet Impala LS | $1,378 |
| Toyota RAV4 4WD | $1,405 |
| Dodge Grand Caravan SXT | $1,432 |
| Honda Civic EX 4-Dr Sedan | $1,454 |
| Hyundai Elantra SE 4-Dr Sedan | $1,481 |
| Ford Edge Limited AWD | $1,490 |
| Toyota Camry XLE | $1,481 |
| Toyota Prius | $1,486 |
| Kia Optima LX | $1,506 |
| Chevrolet Malibu LTZ | $1,508 |
| Ford Fusion SE 4-Dr Sedan | $1,516 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices significantly.
Based upon the rates shown, you can presume that cars like the Honda Accord, Honda CR-V, and Ford Escape are going to be some of the most budget-friendly vehicles to insure for drivers in Long Beach.
The diagram below illustrates how your choice of deductibles can change insurance premiums when searching for cheap insurance in Long Beach. Data assumes a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 50-year-old driver could cut expenses by $360 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $544 by choosing a $1,000 deductible. Even younger insureds, like the Age 20 category, could lower their rates as much as $896 or more just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it is important to have plenty of money set aside to offset the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
The insurance agencies listed below can most likely help you determine which coverages are best, since some people prefer to have a little guidance when trying to find the best insurance rates in Long Beach. It can be time-consuming to find the best policy on your own, so getting advice from a licensed California insurance agent can give you peace of mind knowing your coverage gives you adequate coverage when you need it most. To find an auto insurance agency nearest to you, click the button link following the list or click here to compare rates now.
- Del Johnson – State Farm Insurance Agent
2642 N Los Coyotes Diagonal – Long Beach, CA 90815 – (562) 982-1444 - Farmers Insurance – Susan Rios
3450 E Spring St #214 – Long Beach, CA 90806 – (562) 988-5700 - Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 - Farmers Insurance: Edward Reyes
1424 W Willow St – Long Beach, CA 90810 – (562) 427-7030 - State Farm: Steve Dwight
4625 E Anaheim St – Long Beach, CA 90804 – (562) 494-4494
Find a Long Beach, CA insurance agent near you
How to find the cheapest auto insurance in Long Beach
Lowering your rates is not difficult, and here are a few thrifty solutions that can help California drivers get cheaper car insurance.
- Higher deductibles mean lower rates
- Increase your credit rating
- Pay for small claims rather than turning them in to your insurance company
- Buy your homeowners policy from the same company as your auto insurance
- Older vehicles may not need full coverage
- Buy a vehicle with excellent safety ratings
- Shop around for cheaper prices
That last tip is notably important, as we emphasized in this write-up. Prices charged by car insurance companies in Long Beach go up and down frequently, so don’t be unwilling to buy from a new company if you can find a cheaper rate.
Staying with the same company for years is fine, but it’s not a good idea if that stubbornness costs you money that could be used for better things. It only takes a couple minutes to compare prices to find cheaper auto insurance in Long Beach.