The words “cheap” and “insurance” really shouldn’t be used together, specifically when you are shopping around for the cheapest car insurance for drivers with a bad driving record. Because it’s not cheap, let’s take a look at some things the can have a considerable influence on car insurance prices, and come up with some ways to take a little off your next policy.
Finding good, reasonably-priced auto insurance is confusing at best, and deciding which insurers offer the cheapest auto insurance rates for drivers with a bad driving record requires even more diligence. Each auto insurer has a different formula for determining rates in each state, so let’s take a look at the overall cheapest auto insurance companies in California.
It’s a good idea to be aware that Long Beach auto insurance rates are calculated based on many things which can substantially change your annual premium. Simply having a birthday, becoming a homeowner, or getting caught speeding can produce rate changes that can make some companies more expensive than others.
Find Cheaper Auto Insurance for Imperfect Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,190 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,512 |
| 9 | GEICO | $1,513 |
| 10 | Allstate | $1,543 |
| 11 | Mercury | $1,548 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,733 |
| 16 | Esurance | $1,739 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,966 |
| Compare Rates Now Go | ||
USAA may have some of the most affordable car insurance rates in Long Beach at around $1,155 each year. This is $496 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the cheapest Long Beach, CA car insurance companies.
As illustrated above, if you are a policyholder with Wawanesa and switched to USAA, you could realize savings of about $26. Insureds with CSAA could save as much as $31 a year, and Century National policyholders might lower prices by up to $35 a year.
To get a fast rate comparison, click here to start a quote or click several companies below for low rates.
Be aware that those premium estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in an exact zip code location for drivers with a bad driving record. So the auto insurance company that fits your situation best may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.
For bad drivers, one of the big factors 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 tend to pay more, whereas less populated areas can boast about having cheaper rates.
The next table sorts the most expensive cities in California for drivers with a bad driving record to purchase a policy in. Long Beach is listed at #6 having an annual price of $1,626 for the average insured, which is around $136 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,703 |
| 6 | Long Beach | $1,626 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,596 |
| 9 | Fontana | $1,566 |
| 10 | Santa Clarita | $1,548 |
| 11 | Riverside | $1,542 |
| 12 | Modesto | $1,532 |
| 13 | Fresno | $1,517 |
| 14 | Garden Grove | $1,508 |
| 15 | Moreno Valley | $1,506 |
| 16 | Santa Ana | $1,497 |
| 17 | Anaheim | $1,474 |
| 18 | San Jose | $1,395 |
| 19 | Fremont | $1,361 |
| 20 | Huntington Beach | $1,360 |
| 21 | Bakersfield | $1,353 |
| 22 | Chula Vista | $1,350 |
| 23 | Irvine | $1,330 |
| 24 | San Diego | $1,327 |
| 25 | Oxnard | $1,318 |
| Find Cheaper Insurance Go | ||
Table data uses estimated as the vehicle garaging location can influence prices noticeably.
Choosing the right insurance company is hard considering how many choices you have in Long Beach. The company ratings displayed below can help you pick which auto insurance companies you want to consider comparing price quotes from. These ratings include companies who write in the majority of U.S. states, so companies that may only write in California are not factored into the list.
Top 10 Large Car Insurance Companies 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%
Get discounts on Long Beach insurance rates
Auto insurance companies that offer coverage for drivers with a bad driving record may provide discounts that can reduce rates by as much as 30% if you meet certain criteria. A few of the larger companies and their possible discounts are included below.
- GEICO may have discounts that include five-year accident-free, seat belt use, emergency military deployment, anti-theft, and defensive driver.
- Travelers offers premium reductions for home ownership, new car, early quote, hybrid/electric vehicle, and continuous insurance.
- Nationwide offers discounts for family plan, multi-policy, accident-free, defensive driving, good student, and business or organization.
- Farmers Insurance may include discounts for youthful driver, pay in full, electronic funds transfer, multi-car, bundle discounts, and homeowner.
- Esurance may offer discounts for anti-lock brakes, multi-car, paid-in-full, homeowner, good student, emergency road assistance, and Pac-12 alumni.
- State Farm has savings for Steer Clear safe driver discount, multiple autos, good driver, anti-theft, good student, and multiple policy.
- Progressive includes discounts for continuous coverage, good student, homeowner, multi-policy, online signing, and multi-vehicle.
- Mercury Insurance discounts include good driver, annual mileage, professional/association, low natural disaster claims, ease of repair, anti-theft, and location of vehicle.
The information below illustrates the comparison of car insurance costs with and without discounts applied. The price estimates are based on a female driver, one accident and one traffic ticket, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with vehicle safety, passive restraint, paid-in-full, multiple policy, homeowner, and marriage discounts applied. With discounts applied, the average amount saved each year on auto insurance for drivers with a bad driving record is 28% or $925.
Insurance rate increases from tickets or accidents
The ideal way to snag good auto insurance premiums in Long Beach for bad drivers is to drive safely and avoid tickets and accidents. The information below shows how violations and fender-benders raise premium costs for different categories of driver ages. The information is based on a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of an auto insurance policy in Long Beach per year with no accidents and a clean driving record is $2,355. Receive two speeding tickets and the average cost surges to $3,250, an increase of $895 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for drivers with a bad driving record increases to an average of $4,165. That’s an increase of $1,811, or $151 per month, just for not being a responsible driver!
The agents below are a good start to help you decide which auto insurance coverages would be the best in your situation, as many people would rather have some professional guidance when comparing insurance rates for bad drivers. It can be time-consuming to find the best policy on your own, and insurance agents can provide you peace of mind knowing your policy gives you adequate coverage if you have an accident or claim.
To find an agent closest to you, click the button at the bottom of the list or click here to compare rates now.
Jon Wiedenman – State Farm Insurance Agent
2750 N Bellflower Blvd #208 – Long Beach, CA 90815 – (562) 420-6469
Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553
Jim Seilsopour – State Farm Insurance Agent
4195 N Viking Way Ste 180 – Long Beach, CA 90808 – (562) 420-6819
Farmers Insurance – Erika Moreno
740 E Wardlow Rd – Long Beach, CA 90807 – (562) 290-0338
Find a Long Beach, CA insurance agent near you
How to find economical auto insurance for drivers with a bad driving record
The list below summarizes some money-saving solutions that can help Long Beach drivers locate more affordable coverage.
- Safe vehicles cost less to insure
- Higher credit scores can equal lower rates
- Do not get into accidents that are your fault
- Do not pay for comprehensive and collision coverage on older vehicles
- Bundle home and auto and save
- Shop around for cheaper rates regularly
That last piece of advice is very crucial, as we emphasized in the prior article. Prices change a lot, so don’t be hesitant to change to a new company if a cheaper price is available. Many drivers prefer to stick with one company, but it’s not a great idea if that devotion results in you overpaying hundreds of dollars a year. Now is a great time to compare prices to find cheaper insurance for drivers with a bad driving record in Long Beach.