Who Has the Cheapest Auto Insurance for First-time Drivers in Long Beach?

Wouldn’t it be awesome if you could know instantly the single company that has the cheapest car insurance rates for first-time drivers? It’s just not that simple, as there are many unknown elements such as if you are a homeowner or renter, the amount of liability insurance you need, if you want full coverage included, and if you currently have coverage, that all impact the cost of coverage. Car insurance is kind of a dry topic, but this article will explain some of these topics and should give you a solid foundation to find cheaper car insurance in California.

One of the many things that are used to help calculate insurance cost is where you choose to live in Long Beach. Areas with more people or higher crime rates are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.

The table below shows the highest-priced places in California for first-time drivers in which to purchase auto insurance. Long Beach is ranked at #7 with an annual rate of $1,626 for car insurance, which is about $136 each month.

How much does auto insurance cost in Long Beach?
Rank City Annual Rate
1 Los Angeles $2,083
2 Glendale $2,079
3 Oakland $1,738
4 Sacramento $1,720
5 San Francisco $1,711
6 San Bernardino $1,628
7 Long Beach $1,626
8 Garden Grove $1,570
9 Stockton $1,541
10 Fontana $1,535
11 Santa Clarita $1,533
12 Moreno Valley $1,506
13 Fresno $1,502
14 Modesto $1,502
15 Riverside $1,482
16 Santa Ana $1,439
17 Anaheim $1,430
18 San Jose $1,395
19 Fremont $1,361
20 Huntington Beach $1,360
21 Oxnard $1,344
22 Bakersfield $1,340
23 Irvine $1,330
24 San Diego $1,327
25 Chula Vista $1,298
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Information shown are approximated as the vehicle garaging location can raise or lower coverage prices greatly.

The vehicle you are buying coverage for is one of the largest factors that determines whether or not you find the lowest-priced auto insurance for first-time drivers. Vehicles with higher performance characteristics, a lack of safety features, or an increased likelihood of liability claims will cost substantially more to insure than more modest models.

The information below presents auto insurance rates for the most economical automobiles to insure.

Cheapest Vehicles to Insure in Long Beach, CA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 2WD $4,608
Honda CR-V EX-L 4WD $4,649
Toyota Prius $4,969
Jeep Wrangler Sport Islander Package 4WD 2-Dr $5,143
Chevrolet Silverado LS Regular Cab 4WD $5,149
Ford Explorer Eddie Bauer 2WD $5,184
Ford Edge SE AWD $5,421
Ford Focus SE 4-Dr Sedan $5,428
Volkswagen Jetta LE 4-Dr Sedan $5,463
Toyota RAV4 4WD $5,472
Chevrolet Malibu Hybrid $5,463
Dodge Grand Caravan Hero $5,473
Chevrolet Impala LT $5,463
Ford F-150 FX2 2WD $5,504
Honda Civic EX 4-Dr Sedan $5,702
Toyota Corolla LE $5,744
Nissan Altima 2.5 S 4-Dr Sedan $5,751
Hyundai Elantra SE 4-Dr Sedan $5,744
Toyota Tacoma X-Runner 2WD $5,754
Honda Odyssey Touring $5,785
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Data rating is based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in your specific Long Beach, CA location which can modify rates noticeably.

Looking at the numbers, you can presume that models like the Ford Escape, Honda CR-V, and Toyota Prius are most likely to be a few of the most budget-friendly vehicles to insure for new drivers. The cost of a car insurance policy will be more costly because there is more inherent risk for first-time drivers, but overall those vehicles will most likely have the cheapest auto insurance rates that you’ll find.

Buying budget insurance is tough enough, and determining which companies have the best insurance rates for first-time drivers will involve a little more work. Each auto insurer uses slightly different criteria for determining rates, so we need to take a look at the overall cheapest insurance companies in Long Beach.

It’s important to know that Long Beach insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. This price variation is why it is so important to do a thorough rate comparison to find the most economical car insurance quotes for first-time drivers. Rates are impacted by many things and change dramatically, so the cheapest company when you last compared rates may now be wasting a lot of money.

Best Cheap Insurance Rates for Inexperienced Drivers

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USAA may offer some of the lowest car insurance rates in Long Beach at around $1,121 per year. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the cheaper Long Beach, CA insurance companies.

In the rate table above, if you are currently insured with Wawanesa and switched to USAA, you could earn savings of upwards of $60. Insureds with CSAA could save as much as $65 a year, and Century National policyholders might see rate reductions of $69 a year.

Understand that those policy prices are averaged across all types of drivers and the different vehicles they drive and and are not figured with a vehicle location for first-time drivers. So the auto insurance company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That’s why you need to get auto insurance quotes using your own driver and vehicle profiles.

Difference between full coverage and liability only rates

Reducing premiums for insurance should be important to most people, and one of the quickest ways to pay less for insurance for first-time drivers is to not buy comprehensive and collision coverage. The illustration below visualizes the comparison of car insurance costs with and without physical damage coverage. The premiums assume no claims or driving violations, $100 deductibles, drivers are single, and no discounts are factored in.

If we average the cost for ages 20 through 70, physical damage coverage costs an additional $2,525 per year over and above liability coverage. That amount may make you wonder if it’s worth it to buy full coverage. There is no exact rule to eliminate full coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

There are some scenarios where dropping physical damage coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Choosing the top insurance provider is difficult considering how many different insurance companies sell coverage in Long Beach. The company rank data shown below could help you decide which insurers to look at comparing rate quotes with. These ratings are for large, nationwide insurance companies, so companies that only write business in California or surrounding areas are not factored into the list.

Top 10 Major Auto Insurance Providers in Long Beach Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Top 10 Major Auto Insurance Providers Overall in Long Beach

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

The diagram below illustrates how your choice of deductibles can affect insurance costs when trying to find cheap insurance for first-time drivers. The premiums assume a single male driver, full physical damage coverage, and no other discounts are factored in.

The chart above illustrates that a 40-year-old driver could save $506 a year by increasing from a $100 deductible up to a $500 deductible, or save $762 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, could lower their rates as much as $1,674 or even more by choosing larger deductibles on their policy.

When insureds make the decision to increase the deductibles on their policy, it will be required to have plenty of money set aside to be able to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Here’s why you should compare rates often

Long Beach insurance rates are determined by lots of factors which can significantly increase or decrease the price of your policy. Simply improving your credit, buying another vehicle, or having an accident may prompt premium changes resulting in some rates now being cheaper in comparison to the competition. Also, car insurance companies modify pricing as often as every three months to reflect underwriting profits or losses. A period of higher than normal claims can result in additional price hikes, while better underwriting may result in lower-cost Long Beach car insurance rates.

For example, the graph below shows which company has the cheapest car insurance in Long Beach, CA for a 30-year-old female driver with a good driving record, no prior claims, and good financial standing. Based on her current risk profile, Wawanesa may offer the lowest car insurance rates in Long Beach at $1,399 a year. This is $252 less than the average premium paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are the remaining most affordable Long Beach, CA auto insurance companies.

In this next rate comparison, we will give the driver from the first rate comparison an accident surcharge, a lower credit score, and a few blemishes on her driving record. Since each auto insurance company has a unique formula to determining premium rates, analyzing rate quotes may now show a significantly different list of the cheapest Long Beach car insurance companies as shown below.

Grange now has the best auto insurance rate in Long Beach with Allstate, Mercury, GEICO, and Progressive now being in the top five. This demonstrates why drivers need to compare many different companies when trying to find the best car insurance rates for first-time drivers. Auto insurance prices can be determined by many different factors and change dramatically, so the best option six months ago may now be one of the more expensive options.

The insurance agents in Long Beach listed below can aid you in deciding which auto insurance policy fits you best, as lots of people like to get some help when trying to find lower insurance rates for new drivers. It can be hard to find the best coverage yourself, and getting advice from a licensed California insurance agent can provide peace of mind knowing your policy gives you adequate asset protection. To find a Long Beach insurance agent close to you, click the link at the bottom or click here to get price quotes now.

Nationwide Insurance: Caiquo Insurance Agency
4401 Atlantic Ave #214Long Beach, CA 90807(562) 548-7488

Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd fLong Beach, CA 90815(562) 799-0291

Vali De Vries – State Farm Insurance Agent
1777 N Bellflower Blvd #111Long Beach, CA 90815(562) 494-7700

Adriana’s Insurance Services Inc
1075 E Pacific Coast HwyLong Beach, CA 90806(562) 344-9222

Farmers Insurance: Kimberly Terrell
4425 Atlantic AveLong Beach, CA 90807(310) 567-7726

More Long Beach, CA insurance agents