For state and federal workers, one of the big components that help determine auto insurance rates is the neighborhood you call home. Areas with a lot of weather claims or more people tend to have more expensive car insurance rates, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.
The table below shows the most expensive cities in California for government employees to purchase auto insurance in. Long Beach shows up at #8 costing $1,578 for the average insured, which is approximately $132 per month.
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Rate quotes are comparative as the garaging address in Long Beach can affect rates significantly.
Locating reasonably-priced car insurance is difficult, and finding out which company has the most affordable insurance rates for government employees involves even more rate comparisons. Every insurance provider uses a little different formula to establish rates, so let’s begin by examining the insurance companies with the overall best prices in California.
We do need to point out that Long Beach, CA insurance rates are impacted by many factors that can increase the price you pay for coverage. This price fluctuation is why consumers need to take the time to do a thorough rate comparison when trying to get cheap insurance quotes for government employees. Insurance rates can be determined by many different factors and can change substantially, so the lowest-price company the last time you compared rates may now be priced much higher than other options.
Best Auto Insurance Prices in California
USAA may have some of the most affordable car insurance rates in Long Beach at around $1,143 a year. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the best Long Beach, CA auto insurance companies.
As the example above demonstrates, if you are a policyholder with CSAA and switched to Wawanesa, you could realize a yearly savings of in the vicinity of $53. Policyholders with Nationwide could save as much as $82 a year, and 21st Century customers might cut rates by $198 a year.
To find out how much you can save, click here to start your free quote or quote prices from the following companies.
These rates are averages across all ages of drivers and types of vehicles and and are not calculated with an exact location for government employees. So the company that is most affordable for your situation may not even be in the top 24 companies shown above. That emphasizes why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
The make and model of vehicle to be insured is probably the largest consideration when shopping for economical insurance for government employees. Vehicles with higher performance, poor safety ratings, or a high likelihood of having liability claims will cost substantially more to insure than more modest models. The next table outlines insurance costs for the cheapest vehicles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$1,012|
|Toyota Tacoma 4WD||$1,134|
|Ford Escape XLT 2WD||$1,156|
|Chevrolet Malibu LS||$1,196|
|Honda Civic Hybrid 4-Dr Sedan||$1,282|
|Volkswagen Jetta SE 4-Dr Sedan||$1,290|
|Ford Explorer Eddie Bauer 2WD||$1,285|
|Ford F-150 FX2 Super Cab 2WD||$1,290|
|Honda Odyssey EX||$1,332|
|Ford Focus S 4-Dr Sedan||$1,337|
|Honda Accord LX-S 2-Dr Coupe||$1,342|
|Nissan Rogue SL AWD||$1,349|
|Chevrolet Equinox LS 2WD||$1,362|
|Toyota RAV4 Limited 2WD||$1,369|
|Dodge Ram Quad Cab TRX4 Off Road 4WD||$1,392|
|Dodge Grand Caravan SXT||$1,401|
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium amounts do not factor in vehicle location which can revise rates greatly.
Based upon the table data, we can conclude that cars like the Honda CR-V, Toyota Prius, and Toyota Tacoma are some of the cheapest vehicles to insure for state and federal workers.
Long Beach insurance companies ranked
Selecting the top auto insurance provider is difficult considering how many companies sell coverage in California. The rank data displayed below can help you analyze which car insurance providers you want to consider when comparing rates. These ratings only include companies with a national presence, so smaller companies that only insure vehicles in California will not be included in these rankings.
Top 10 Large Auto Insurance Providers in Long Beach Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Large Auto Insurance Providers in Long Beach Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
The illustration below demonstrates how choosing different deductibles can increase or decrease premium costs when searching for cheap insurance for government employees. The premiums assume a married male driver, full physical damage coverage, and no policy discounts are applied.
The chart above illustrates that a 40-year-old driver could reduce rates by $308 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $466 by using a $1,000 deductible. Younger drivers, like the age 20 example, could shave $1,026 or even more by selecting a higher deductible. When using a larger deductible, it is a good idea to have plenty of money set aside to pay the extra out-of-pocket expense that comes with higher deductibles.
Your cheap policy may actually be overpriced
Long Beach insurance rates are impacted by many factors which can substantially change the price you have to pay for coverage. Turning one year older, moving to a new city, or getting a ticket for running a stop sign may generate price changes that can cause some rates to be cheaper than others. Also, insurance companies modify pricing as often as every three months to reflect underwriting profits or losses. Higher than usual claims can result in higher priced premiums, while lower claim expenses can cause more affordable Long Beach car insurance rates.
The bar chart below shows a variety of companies that have the cheapest car insurance in Long Beach, CA for a 40-year-old female driver with no prior claims, no tickets, and excellent credit. When quoting prices based on her current rating profile, USAA might quote the most affordable car insurance rates in Long Beach at $1,432 annually. This is $219 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the rest of the most affordable Long Beach, CA auto insurance companies.
Let’s now give the driver from above a claim or two, slightly worse credit, and a speeding ticket. Since each company has a proprietary formula to set premium rates, comparing prices could result in a completely different list of companies as shown below.
Grange now has the lowest car insurance rate in Long Beach, CA with Progressive, Mercury, Allied, and Allstate also having competitive pricing. This demonstrates why it is critical to perform a complete rate comparison to get the lowest insurance rates for government employees. Auto insurance prices can be altered by many factors and can decrease or increase without notice, so the cheapest rate the last time you checked may now be an over-priced policy.
The agents below are a good start to help you determine which coverage fits your budget, since many consumers aren’t sure which coverage to buy and prefer to have the advice of a professional agent when buying car insurance for state and federal workers. It’s not always easy to find the best policy on your own, so agents can give you satisfaction knowing your coverage gives you sufficient coverage for your assets.
To locate an agency closest to you, click the button link following the list.
- John Margain – State Farm Insurance Agent
3524 E 7th St – Long Beach, CA 90804 – (562) 433-4622
- Farmers Insurance – Debra Gonzalez
6390 E Willow St – Long Beach, CA 90815 – (562) 795-0488
- Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800
- Lanterman Insurance Agency, Inc.
5318 E 2nd St #643 – Long Beach, CA 90803 – (562) 743-1607
- State Farm Insurance: Damian Useda
929 E Wardlow Rd – Long Beach, CA 90807 – (562) 426-8565
How to find cheaper car insurance for government employees
It is possible to find better rates, and here are many penny-pinching solutions that can help California drivers quote cheap coverage.
- Do not pay for full coverage on older vehicles
- Being accident-free can lower rates significantly
- Having too many claims will increase rates substantially
- Buy a car with high safety ratings
- Buying car and homeowners insurance together can save money
- Be a cautious driver
- Compare prices frequently to find the best deal
That final tip is highly important, as we pointed out in the article above. Prices can change considerably in a year, so drivers shouldn’t be resistant to buy a different policy if a cheaper rate is available. We understand brand loyalty, but it’s not a good idea if that inflexibility results in costing you big bucks every year. Spend a few minutes and compare rates to find cheaper car insurance for government employees in Long Beach.