For drivers age 25 and younger, one of the more important considerations that help determine the cost of insurance is the neighborhood you call home. Areas with more people or more claims are more likely to have higher rates, whereas areas with less congestion have the gratification of cheaper auto insurance rates.
The table below sorts the highest-priced places in California for drivers under 25 to buy auto insurance in. Long Beach is ranked at #6 with a yearly premium of $1,626 for the average policy, which is about $136 per month.
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Table data uses approximated as the vehicle garaging location can raise or lower prices noticeably.
Finding reasonably-priced insurance is hard enough, and determining which company quotes the cheapest insurance rates for drivers under 25 will involve even more work. Every insurance provider has their own guidelines to set their prices, so first we will examine the lowest cost insurance companies in Long Beach.
It’s a good idea to be aware that Long Beach, CA insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay for coverage. This price fluctuation is why it is so important to compare lots of rates when trying to get affordable auto insurance rates for drivers under 25. Insurance rates are impacted by many different factors and can decrease or increase without notice, so the most economical company the last time you checked may now not even be in the top five.
Best Insurance Companies for Young Drivers
|Rank||Company||Cost Per Year|
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USAA quotes some of the cheapest car insurance rates in Long Beach at around $1,109 per year. Wawanesa, CSAA, Nationwide, and Century National also make the cut as some of the cheapest Long Beach, CA auto insurance companies.
As illustrated above, if you have coverage with Nationwide and switched to USAA, you may realize an annual savings of approximately $117. Drivers with Century National might save as much as $117 a year, and 21st Century customers might realize rate reductions of up to $270 a year.
To find the cheapest coverage for you, click here to start your custom quote or visit any of the companies below.
Bear in mind that those premiums are averages across all ages of drivers and types of vehicles and and are not figured with an exact location for drivers under 25. So the company that has the lowest price for you may not even be in the top 24 companies shown above. That helps illustrate why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
The vehicle model you are insuring is one of the main factors when quoting cheaper insurance for drivers under 25. Vehicles with higher performance, poor safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models. The next table shows car insurance rates for the cheaper vehicles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$2,842|
|Ford Escape Limited 2WD||$2,885|
|Hyundai Elantra SE Touring Station Wagon||$3,095|
|Honda Odyssey LX||$3,121|
|Ford Explorer XLT AWD||$3,163|
|Jeep Wrangler Rubicon 4WD 2-Dr||$3,172|
|Dodge Grand Caravan Hero||$3,373|
|Toyota RAV4 Limited 4WD||$3,378|
|Chevrolet Impala LT||$3,373|
|Toyota Camry LE||$3,380|
|Volkswagen Jetta S 4-Dr Sedan||$3,373|
|Chevrolet Malibu Hybrid||$3,380|
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Above prices assume single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific location which can decrease or increase insurance rates significantly.
Looking at the numbers, we can conclude that vehicles like the Honda CR-V, Ford Escape, Hyundai Elantra, Honda Odyssey, and Toyota Prius are going to be a few of the cheapest vehicles to insure for drivers age 25 and younger. Rates will be more expensive because there is more claim risk for drivers under 25, but in general those vehicles will tend to have the cheapest rates that you’ll find.
Get discounts on Long Beach auto insurance rates
Auto insurance companies that offer coverage for drivers under 25 could also offer policy discounts that can lower rates by as much as 40% or more if you are eligible to receive them. Large insurance companies and some of the discounts are outlined below.
- GEICO offers premium reductions for seat belt use, emergency military deployment, federal employee, anti-lock brakes, daytime running lights, five-year accident-free, and membership and employees.
- Travelers may have discounts that include multi-policy, early quote, continuous insurance, payment discounts, new car, and hybrid/electric vehicle.
- Nationwide offers discounts for business or organization, anti-theft, good student, Farm Bureau membership, easy pay, and defensive driving.
- Farmers Insurance includes discounts for alternative fuel, youthful driver, early shopping, mature driver, and switch companies.
- Esurance policyholders can earn discounts including multi-policy, renters, homeowner, DriveSense, online shopper, and Pac-12 alumni.
- State Farm discounts include Drive Safe & Save, safe vehicle, multiple autos, driver’s education, multiple policy, and good driver.
- Progressive offers discounts including online quote discount, multi-policy, good student, homeowner, and multi-vehicle.
- Mercury Insurance may include discounts for age of vehicle, multi-policy, annual mileage, ease of repair, location of vehicle, good driver, and professional/association.
The illustration below visualizes the comparison of insurance rates with and without discounts applied to the premium. The rates are based on a female driver, no claims or driving citations, 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 lower bar shows the rates with paid-in-full, good student, passive restraint, vehicle safety, anti-theft, and paperless filing discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for drivers under 25 is 22% or $506.
Finding the top auto insurance company can be rather challenging considering how many choices there are in Long Beach. The company ratings listed below could help you select which car insurance companies you want to consider when looking for cheaper rates. These rankings include large nationwide companies, so companies that may only write in California will not be included in the list.
Top 10 Major 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%
Top 10 Major 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
How to find budget-friendly insurance for drivers under 25
The list below summarizes some of the better thrifty ideas that can help drivers locate cheap auto insurance.
- Keep your driving record clean
- Earn discounts for being claim-free
- Do not get into accidents that are your fault
- Buying home and auto together can help save money
- Vehicles with good safety ratings have lower liability rates
- If your vehicles are older, consider dropping full coverage
- Comparison shop at least once a year
The last idea is extraordinarily necessary, as was stressed in the prior article. Prices in Long Beach vary greatly, so drivers shouldn’t be reluctant to buy a different policy if you find a better deal.
Loyalty to a specific company is fine, but we do not recommend it if that devotion results in you overpaying major coinage every year. In just a couple of minutes you could shop around and find cheaper auto insurance for drivers under 25.