Buying cheap car insurance is not easy, and deciding which company quotes the best insurance rates for high school students will take additional perseverance. Every car insurance company has a unique approach for determining rates, so let’s rank the insurance companies with the most affordable rates in Long Beach, CA.
It’s important to understand that Long Beach, CA insurance rates are impacted by many things which can substantially change the price of your policy. This price variation is why consumers need to take the time to compare rates to find the most budget-friendly car insurance quotes for high school students. Prices can be altered by many risk factors and can change without notice, so the best company when you bought your policy may now be priced much higher than other options.
Best Cheap Insurance Rates for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,186 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,491 |
| 8 | Progressive | $1,512 |
| 9 | Allstate | $1,513 |
| 10 | Allied | $1,541 |
| 11 | Mercury | $1,548 |
| 12 | GEICO | $1,559 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
| Quote Your Rates Go | ||
USAA may have some of the most affordable car insurance rates in Long Beach at around $1,109 annually. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the cheaper Long Beach, CA car insurance companies.
As shown above, if you are a policyholder with Nationwide and switched to Wawanesa, you might see an annual premium reduction of approximately $106. California drivers with 21st Century might save as much as $222 a year, and Grange policyholders might lower prices by up to $334 a year.
It’s important to note that these rates are averages for all ages of drivers and types of vehicles and do not take into consideration a vehicle location for high school students. So the company that is most affordable for your situation may not even be in the top 24 companies shown above. That’s why you need to compare rates from multiple companies using your own specific driver and vehicle information.
For teenagers, one of the largest things that aid in calculating car insurance rates is where you keep your vehicle in Long Beach. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.
The information below rates the most costly cities in California for high school students to purchase car insurance in. Long Beach makes the list at #7 with the annual price of $1,626 on average, which is about $136 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | Sacramento | $1,720 |
| 4 | San Francisco | $1,693 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Santa Clarita | $1,595 |
| 9 | Fontana | $1,581 |
| 10 | Stockton | $1,556 |
| 11 | Moreno Valley | $1,551 |
| 12 | Modesto | $1,532 |
| 13 | Riverside | $1,527 |
| 14 | Garden Grove | $1,508 |
| 15 | Santa Ana | $1,483 |
| 16 | Fresno | $1,472 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,389 |
| 21 | Irvine | $1,371 |
| 22 | Oxnard | $1,358 |
| 23 | Bakersfield | $1,340 |
| 24 | San Diego | $1,340 |
| 25 | Chula Vista | $1,298 |
| Find Cheaper Insurance Go | ||
Annual rates are estimated as specific Long Beach zip code can influence coverage rates noticeably.
Cost comparison with and without full coverage
Buying cheaper insurance should be important to most people, and an effective way to buy cheaper insurance for high school students is to not buy full coverage. The information below shows the comparison of insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no claims or driving citations, $500 deductibles, drivers are not married, and no other discounts are factored in.
If we average the cost for ages 20 through 70, physical damage coverage costs $2,075 per year more than buying just liability insurance. That raises the question if buying full coverage is worth the expense. There is no clear-cut rule of when to stop paying for physical damage coverage, but there is a general convention. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
There are a few situations where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not drop full coverage.
California insurance company ratings
Ending up with a high-quality insurance provider is hard considering how many companies there are in California. The company information shown next could help you choose which auto insurers you want to consider comparing rate quotes with.
These ratings include large nationwide companies, so companies that focus mainly on California business are not included in this list. To compare prices from the insurers below and more, simply click here.
Top 10 Major Auto Insurance Companies Overall in Long Beach
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
The chart below illustrates how your choice of deductibles can influence premium costs when quoting cheap insurance for high school students. The premium estimates are based on a married female driver, comp and collision included, and no discounts are applied.
The chart above illustrates that a 40-year-old driver could lower their policy premium by $408 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $614 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, can save $1,008 every year by selecting a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it will be important to have plenty of savings on hand to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
How to find budget-friendly auto insurance for high school students
Below you’ll find many money-saving solutions that can help drivers find lower-cost coverage.
- Having at-fault accidents will increase rates
- Save money by bundling your home and auto policies
- Full coverage is expensive so only insure older vehicles for liability only
- The safer your car, the less it costs to insure
- Save money by obeying traffic laws and keeping a clean driving record
- Too many claims can make car insurance unaffordable
- Shop around for lower rates once a year
The last idea is remarkably crucial, as was discussed in this article. Prices adjust frequently, so don’t be afraid to change insurance companies if a cheaper rate is available.
We understand brand loyalty, but is isn’t recommended if that inflexibility results in costing you a lot of money. If you have a few minutes, compare rates to find cheaper auto insurance for high school students in Long Beach.
If you would rather get some help when shopping for cheaper insurance for teenagers, the agents shown below are willing to answer your questions and help you decide which insurance coverage you need. To locate a Long Beach insurance agent close to where you live, click the button link following the list or click here to compare prices now.
- Sonny Anderson – State Farm Insurance Agent
4166 Norse Way a – Long Beach, CA 90808 – (562) 429-1809 - Nationwide Insurance: Caiquo Insurance Agency
4401 Atlantic Ave #214 – Long Beach, CA 90807 – (562) 548-7488 - Farmers Insurance – Debra Gonzalez
6390 E Willow St – Long Beach, CA 90815 – (562) 795-0488 - Susie Atwood – State Farm Insurance Agent
5624 E 2nd St – Long Beach, CA 90803 – (562) 434-5729 - Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222