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How to find cheap Long Beach car insurance rates

The best way to find affordable quotes for car insurance rates in Long Beach is to compare prices at least once a year from different companies who sell insurance in California. Rate comparisons can be done by following these guidelines.

  1. Spend some time learning about how auto insurance works and the measures you can control to lower rates. Many rating factors that result in higher rates like traffic violations and a not-so-good credit score can be amended by making minor changes to your lifestyle. This article gives information to help prevent high rates and earn a bigger discount.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from a single company like GEICO or Farmers Insurance, while independent agents can quote rates for a wide range of companies.
  3. Compare the new rate quotes to your existing coverage and see if there is a cheaper rate in Long Beach. If you find better rates and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

A good piece of advice is that you'll want to compare similar coverage information on every price quote and and to compare every insurance company. Doing this enables a fair rate comparison and the most accurate and complete price analysis.

California drivers overpay on average $865 a year for car insurance. Compare rates now and save.

See How Much You Can Save

Whether you pay cheap or expensive rates for car insurance depends on a wide range of factors, but the average policy rate in Long Beach is around $1,430 each year. On average, drivers in other states pay about $1,230, so Long Beach drivers pay approximately $18 more every month than drivers in surrounding states.

The cost of auto insurance in Long Beach depends on many variables, and one of the primary price factors is the type of vehicle you own. The table below details price estimates for popular vehicles that Long Beach drivers insure.

Auto Insurance Rates for Popular Cars in Long Beach
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $1,390 $695 $116
Ford Focus SES 2-Dr Coupe $1,566 $783 $131
Ford Fusion Sport AWD 4-Dr Sedan $1,588 $794 $132
Honda Accord LX 4-Dr Sedan $1,174 $587 $98
Hyundai Sonata Limited 4-Dr Sedan $1,592 $796 $133
Kia Optima SX $1,592 $796 $133
Nissan Altima 3.5 SR 4-Dr Sedan $1,490 $745 $124
Toyota Corolla S $1,464 $732 $122
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in garaging location in Long Beach which can lower or raise premiums greatly.

Car Insurance Rates for Popular Pickup Trucks in Long Beach
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 4WD $1,272 $636 $106
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,490 $745 $124
Chevrolet Silverado 3500HD LT Extended Cab 4WD $1,782 $891 $149
Chevrolet Silverado Crew Cab Hybrid 2WD $1,562 $781 $130
Dodge Ram 2500 Mega Cab Laramie 2WD $1,664 $832 $139
Dodge Ram Crew Cab Laramie 4WD $1,690 $845 $141
Ford F-150 XL Regular Cab 2WD $1,220 $610 $102
GMC Sierra SL Extended Cab 2WD $1,390 $695 $116
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,416 $708 $118
Toyota Tundra Regular Cab 4WD $1,518 $759 $127
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price information does not factor in garaging location in Long Beach which can impact prices considerably.

Car Insurance Rates for Popular SUVs and Crossovers in Long Beach
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX Technology Package AWD $1,372 $686 $114
Chevrolet Traverse LS 2WD $1,200 $600 $100
Ford Escape XLT 4WD $1,200 $600 $100
Ford Explorer Eddie Bauer 4WD $1,416 $708 $118
GMC Acadia SLT 2WD $1,390 $695 $116
GMC Terrain SLE AWD $1,272 $636 $106
Honda CR-V LX 4WD $1,174 $587 $98
Honda Fit Sport $1,126 $563 $94
Honda Pilot Touring 4WD $1,416 $708 $118
Jeep Grand Cherokee Laredo 4WD $1,390 $695 $116
Toyota Highlander Limited 2WD $1,516 $758 $126
Toyota RAV4 Sport 4WD $1,390 $695 $116
Volvo XC90 3.2 2WD $1,490 $745 $124
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific zip code location which can impact auto insurance rates substantially.

Do you qualify for discounts?

The chart below illustrates the comparison of auto insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, safe-driver, multi-car, and multi-policy discounts applied.

Top 15 cheapest vehicles to insure in Long Beach, CA
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Kia Rondo
Mazda MX-5 Miata
Ford Escape
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Chevrolet Colorado
Mazda 5
Ford F-150
Nissan Xterra
Jeep Wrangler
Top 15 most expensive vehicles to insure in Long Beach, CA
Mercedes-Benz S65 AMG
Mercedes-Benz CL65 AMG
Mercedes-Benz CL600
Audi R8
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Porsche 911
Mercedes-Benz CL550
Porsche Panamera
TESLA Roadster
Chevrolet Corvette
Porsche Cayenne
Top 15 safest vehicles to insure in Long Beach, CA
Chevrolet Silverado
Nissan Titan
Ford F-150
Jeep Liberty
GMC Acadia
Audi Q7
Chevrolet Equinox
Chrysler Town and Country
Subaru Outback
Chevrolet Silverado 2500HD
Infiniti QX56
Buick Enclave
GMC Sierra
Jeep Grand Cherokee
Chevrolet Tahoe
Long Beach, California Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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