What Insurance is Cheapest for Inexperienced Drivers in Long Beach?

The words “economical” and “insurance” really shouldn’t be used together, in particular when you are searching for the cheapest coverage for inexperienced drivers. In an attempt to save some money, let’s learn about some of the things that have an effect on auto insurance premiums, and find a way to reduce the cost of the next policy you buy.

For new drivers, one of the largest criteria that are used to help calculate auto insurance rates is where your car is garaged in Long Beach. Regions with larger populations or more claims will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.

The following table rates the highest-priced places in California for inexperienced drivers in which to purchase auto insurance. Long Beach comes in at #6 with an annual cost of $1,626 for the average insured, which is about $136 each month.

How much is auto insurance in Long Beach, CA?
Rank City Annual Premium
1 Los Angeles $2,104
2 Glendale $2,079
3 San Francisco $1,745
4 Oakland $1,704
5 Sacramento $1,703
6 Long Beach $1,626
7 San Bernardino $1,596
8 Santa Clarita $1,595
9 Stockton $1,588
10 Garden Grove $1,570
11 Riverside $1,542
12 Fontana $1,519
13 Fresno $1,502
14 Moreno Valley $1,491
15 Anaheim $1,488
16 Modesto $1,487
17 Santa Ana $1,439
18 Huntington Beach $1,402
19 Bakersfield $1,394
20 Fremont $1,389
21 San Diego $1,381
22 San Jose $1,381
23 Irvine $1,343
24 Oxnard $1,318
25 Chula Vista $1,311
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Rate quotes are approximated as the garaging address in Long Beach can influence insurance rates significantly.

Finding good, reasonably-priced insurance is tough enough, and determining which companies have the most affordable auto insurance rates for inexperienced drivers will involve even more shopping around. Every auto insurer uses their own formula to determine rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Long Beach, CA.

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,157
3 Century National $1,190
4 CSAA $1,222
5 Nationwide $1,263
6 21st Century $1,366
7 Grange $1,433
8 GEICO $1,529
9 Progressive $1,542
10 Allstate $1,543
11 Mercury $1,548
12 The Hartford $1,591
13 Allied $1,603
14 MetLife $1,606
15 Esurance $1,688
16 Unitrin $1,699
17 State Farm $1,733
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $1,966
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USAA may have some of the lowest car insurance rates in Long Beach at around $1,155 per year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the cheapest Long Beach, CA auto insurance companies.

As depicted above, if you currently have a policy with Wawanesa and switched to USAA, you might see yearly savings of approximately $2. Insureds with Century National might save as much as $35 a year, and CSAA customers might cut rates by $67 a year.

Understand that those estimates are averages across all drivers and vehicles and do not factor in an exact zip code location for inexperienced drivers. So the insurer that can offer you the best rate may not even be in the top 24 companies shown above. That point stresses why you need to get auto insurance quotes using your own individual information.

The type of vehicle needing coverage is one of the primary factors when shopping for the most economical car insurance for inexperienced drivers. Vehicles with high performance features, poor crash test ratings, or high incidents of liability claims will cost substantially more to insure than more economical and safe models.

The data below estimates car insurance prices for a handful of the cheaper vehicles to buy coverage for.

Cheapest Vehicles to Insure in Long Beach, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 4WD $1,189
Ford Explorer XLT 2WD $1,306
Ford Escape XLS 4WD $1,313
Volkswagen Jetta LE 4-Dr Sedan $1,379
Toyota RAV4 Sport 4WD $1,385
Hyundai Elantra SE Touring Station Wagon $1,386
Chevrolet Silverado LS Regular Cab 4WD $1,398
Dodge Grand Caravan SXT $1,405
Ford F-150 SVT Raptor Super Cab 4WD $1,411
Ford Focus SES 4-Dr Sedan $1,430
Chevrolet Impala LTZ $1,454
Toyota Prius $1,461
GMC Sierra 2500HD SLE Extended Cab 4WD $1,481
GMC Sierra SL Crew Cab 4WD $1,487
Jeep Wrangler Sahara 4WD 2-Dr $1,483
Dodge Ram Crew Cab ST 4WD $1,500
Toyota Camry LE $1,510
Toyota Tacoma Double Cab 4WD $1,519
Chevrolet Malibu LT $1,539
Honda Accord EX-L 2-Dr Coupe $1,576
Toyota Camry Hybrid $1,583
Kia Optima LX $1,612
Nissan Rogue S AWD $1,617
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in Long Beach, CA location which can revise coverage prices substantially.

Looking at the numbers, you can figure that models like the Honda CR-V, Ford Explorer, Ford Escape, Volkswagen Jetta, and Toyota RAV4 are the most affordable vehicles to insure for new drivers.

Discounts on Long Beach auto insurance

Auto insurance for new drivers in Long Beach, CAInsurance providers that provide policies for inexperienced drivers may also provide price discounts that could reduce prices by as much as 40% or more if you meet the requirements. Large auto insurance companies and some of the discounts can be read below.

The chart below illustrates the comparison of premium costs with and without discounts applied to the premium. The data is based on a male driver, no claims or violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, homeowner, accident-free, passive restraint, multiple vehicle, and anti-theft discounts applied. With discounts applied, the average amount saved each year on auto insurance for inexperienced drivers is 28% or $787.

Picking a good quality car insurance provider can be challenging considering how many choices there are in California. The ranking information displayed below may help you decide which coverage providers to look at purchasing from.

These ratings include companies that insure vehicles nationwide, so smaller regional companies are not factored into the list. If you wish to compare rates and find cheaper insurance for inexperienced drivers, follow this link.

Best 15 Auto Insurance Companies for Inexperienced Drivers 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
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Data Source: Insure.com Best Car Insurance Companies

Safe drivers pay less for auto insurance

In a perfect world, the best way to snag cheap auto insurance premiums for new drivers is to drive cautiously and not get tickets or have accidents. The example below illustrates how traffic citations and fender-benders influence insurance prices for different age groups of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

In the example above, the average cost of car insurance per year with no violations or accidents is $2,314. Get one speeding ticket and the average cost jumps to $2,608, an increase of $294 each year. Then add two accidents along with the one speeding ticket and the yearly cost of auto insurance for inexperienced drivers jumps again to an average of $5,143. That’s an increase of $2,829, or $236 per month, just for not being a responsible driver!

The Long Beach car insurance agencies listed below are a good start to help you make a decision which insurance coverage will be best for you, as many people would rather have the advice of a professional agent when comparing insurance rates for new drivers. It can be challenging to find the best policy yourself, so insurance agents can give you satisfaction knowing your policy gives you enough coverage if you have a claim. To locate an agency close to you, click the button after the list or click here to compare price quotes now.

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