Who Has the Cheapest Long Beach Auto Insurance for Good Students?

The vehicle you are buying coverage for is one of the main factors that determines if you can find the lowest-priced car insurance for good students. Vehicles with lower performance, a plethora of safety features, or a positive history of liability claims will cost much less to insure than adrenaline junky models. The next table showcases auto insurance premiums for some of the cheapest vehicles to insure.

Cheapest Vehicles to Insure in Long Beach, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $4,027
Honda CR-V EX-L 2WD $4,067
Hyundai Elantra SE Touring Station Wagon $4,321
Ford Escape Limited 4WD $4,331
Toyota Prius $4,359
Ford Edge SE 2WD $4,485
Jeep Wrangler Sport Islander Package 4WD 2-Dr $4,492
Dodge Grand Caravan CV $4,525
Ford F-150 FX2 Super Cab 2WD $4,531
Ford Focus S 4-Dr Sedan $4,738
Chevrolet Impala LT $4,778
Chevrolet Equinox LS AWD $4,787
Toyota RAV4 Sport 2WD $4,778
Toyota Tacoma Double Cab 4WD $4,816
Ford Explorer Limited 4WD $4,821
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Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in your specific Long Beach, CA location which can modify prices noticeably.

Based upon the table data, we can conclude that models like the Honda Accord, Honda CR-V, Hyundai Elantra, Ford Escape, and Toyota Prius will be the most economical vehicles to insure for student drivers.

One of the more important factors that are looked at to determine car insurance rates is where you live. Cities with larger populations tend to have higher rates, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.

The illustration below shows the most expensive places in California for good students to purchase car insurance in. Long Beach is ranked #9 with a yearly cost of $1,578 for the average insurance policy, which is approximately $132 monthly.

How much is car insurance in Long Beach?
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,058
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,652
6 San Bernardino $1,644
7 Fontana $1,581
8 Santa Clarita $1,580
9 Long Beach $1,578
10 Stockton $1,556
11 Moreno Valley $1,536
12 Modesto $1,532
13 Garden Grove $1,508
14 Fresno $1,502
15 Santa Ana $1,483
16 Riverside $1,482
17 Anaheim $1,444
18 Huntington Beach $1,402
19 Bakersfield $1,394
20 San Jose $1,381
21 Oxnard $1,358
22 Fremont $1,348
23 Irvine $1,343
24 San Diego $1,327
25 Chula Vista $1,311
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Price information shown is approximated as vehicle location can affect coverage rates noticeably.

Discounts on Long Beach car insurance rates

Discounts on insurance for good studentsCar insurance companies that offer quotes for good students may also give you discounts that could lower prices by as much as 40% or more if you qualify for them. The best insurance companies and their offered discounts are shown below.

The chart below shows the difference between car insurance costs with and without discounts applied to the policy premium. The data assumes a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, passive restraint, paid-in-full, continuous coverage, good student, and paperless filing discounts applied. When taking advantage of discounts, theamount saved on insurance for good students is 28% or $820.

Should you buy full coverage?

Saving money when shopping for insurance should be important to the majority of vehicle owners, and a great way to lower the cost of insurance for good students is to not buy full coverage. The information below illustrates the difference between premium costs with full coverage compared to only the California minimum liability coverage. The prices are based on no accidents, no driving violations, $500 deductibles, single status, and no discounts are applied to the premium.

If the expense is averaged for all age categories, full coverage on your policy costs an extra $2,772 per year more than just insuring for liability. At some point, every insured wonders if paying for full coverage is a waste of money. There is no definitive rule that works best for making the decision to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s assume your vehicle’s claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after paying your deductible. If you are currently paying more than $400 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

Impact of violations and accidents on rates in Long Beach

In a perfect world, the ideal way to maintain the most affordable insurance rates in Long Beach for student drivers is to drive carefully and have a clean driving record. The information below shows how traffic citations and fender-benders influence auto insurance costs for different age groups of insureds. The costs are based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

In the example above, the average cost of an auto insurance policy in California per year with no accidents or violations is $1,418. Get written up for one speeding ticket and the average cost surges to $1,657, an increase of $239 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance for good students goes up to an average of $3,897. That’s an increase of $2,480, or $207 per month, just for not driving responsibly!

Ideas to find low-cost insurance for good students

The list below details some of the recommended money-saving solutions that can help California drivers buy low-cost car insurance.

The final tip is remarkably important, as we discussed in the article above. Auto insurance prices adjust often, so don’t hesitate to buy from a new company if a lower price can be found.

Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that loyalty results in overpaying a small fortune. Now is a great time to compare rates and find cheaper car insurance for good students in Long Beach.

If you aren’t clear which coverage you need and would like to get help from a professional when shopping around for cheaper insurance for student drivers, the agents listed below can aid you in deciding which coverages you need. To locate a Long Beach car insurance agency by location nearest to you, click the button after the list.

John Margain – State Farm Insurance Agent
3524 E 7th StLong Beach, CA 90804(562) 433-4622

Peter Kong – State Farm Insurance Agent
2020 E Anaheim StLong Beach, CA 90804(562) 438-8188

Vinny Bommaiah – State Farm Insurance Agent
6272 Pacific Coast Hwy Ste CLong Beach, CA 90803(562) 439-8544

Farmers Insurance – David Van Wyk
1959 E Spring StLong Beach, CA 90806(949) 770-1708

Allstate Insurance: Braden Palmer
5000 E Spring St Ste 390Long Beach, CA 90815(562) 425-5109

View map of Long Beach, CA insurance agents