How Much is Long Beach Auto Insurance for State Employees?

The car, truck, or SUV that needs insurance is probably the most important factor when comparing quotes for low-priced insurance for state employees. Vehicles with limited top-end speed, good crash test ratings, or a low likelihood of having liability claims will cost much less to insure than adrenaline junky models.

The list below ranks car insurance prices for a number of the cheapest automobiles to insure.

Cheapest Vehicles to Insure in Long Beach, CA
Make and Model Estimated Cost for Full Coverage
Hyundai Elantra SE Touring Station Wagon $1,171
Toyota Prius $1,194
Ford Escape XLS 2WD $1,239
Honda CR-V LX 2WD $1,324
Honda Accord LX 4-Dr Sedan $1,333
Toyota Camry SE $1,348
GMC Sierra SLT Crew Cab 2WD $1,371
Nissan Rogue S AWD $1,376
Jeep Grand Cherokee Limited 4WD $1,371
Dodge Grand Caravan SE $1,388
Chevrolet Impala LS $1,440
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD $1,464
GMC Sierra 2500HD SLE Regular Cab 2WD $1,474
Ford Fusion SEL AWD 4-Dr Sedan $1,464
Toyota Camry Hybrid $1,470
Chevrolet Malibu LS $1,466
Volkswagen Jetta LE 4-Dr Sedan $1,471
Ford F-150 FX2 Super Cab 2WD $1,487
Ford Edge Limited 2WD $1,539
Honda Odyssey EX $1,549
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Long Beach, CA which can lower or raise auto insurance rates significantly.

Looking at the data, models like the Hyundai Elantra, Toyota Prius, and Ford Escape are likely to be a few of the most budget-friendly vehicles to insure for state workers.

For state workers, one of the largest criteria that are looked at to help calculate insurance cost is where you live in Long Beach. Larger areas tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.

The next table lists the most expensive areas in California for state employees to buy an auto insurance policy in. Long Beach comes in at #6 with an annual premium of $1,626 on average, which is around $136 per month.

How much is auto insurance in Long Beach, CA?
Rank City Premium Per Year
1 Los Angeles $2,168
2 Glendale $2,121
3 San Francisco $1,711
4 Oakland $1,687
5 Sacramento $1,669
6 Long Beach $1,626
7 San Bernardino $1,596
8 Santa Clarita $1,580
9 Garden Grove $1,570
10 Stockton $1,556
11 Moreno Valley $1,536
12 Modesto $1,532
13 Fontana $1,519
14 Anaheim $1,488
15 Riverside $1,482
16 Fresno $1,472
17 Santa Ana $1,453
18 San Jose $1,395
19 Bakersfield $1,394
20 Irvine $1,384
21 San Diego $1,368
22 Huntington Beach $1,360
23 Chula Vista $1,350
24 Fremont $1,348
25 Oxnard $1,304
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Rate information is approximated as specific Long Beach garaging address can increase or decrease auto insurance rates greatly.

Full coverage rates vs. liability-only

Reducing premiums for auto insurance is important to the majority of drivers, and one easy way to reduce the cost of insurance for state employees is to not buy comprehensive and collision coverage. The illustration below visualizes the comparison of yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or violations, $100 deductibles, single status, and no discounts are factored in.

Averaged for all age groups, comprehensive and collision coverage on your policy costs an additional $2,812 per year more than just buying liability insurance. That is a significant amount which raises the question if buying full coverage is a good investment. There is no exact rule to eliminate comp and collision coverage, but there is a broad guideline. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s say your vehicle’s replacement value is $9,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $8,500 after the policy deductible has been paid. If you are paying more than $850 a year to have full coverage, then you might want to consider buying only liability coverage.

Best auto insurance in California

Picking a good quality auto insurance company is difficult considering how many companies provide coverage in California. The rank data in the next section could help you select which car insurance providers you want to consider when buying insurance for state employees.

These rankings are only made up of large insurance companies, so smaller companies that only insure vehicles in California are not included in the list. To compare rates and find cheaper insurance for state employees, just click here.

Top 10 Major Car Insurance Companies in Long Beach Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Major Car Insurance Companies in Long Beach Ranked by Value

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

Here’s why you should shop around

Long Beach, CA auto insurance rates are determined by lots of factors which can significantly increase or decrease your annual premium. Simply getting older, buying another vehicle, or having a fender bender may prompt premium changes that may make certain companies affordable when they were higher priced. In addition, insurance companies modify rates every year in order to maintain liquidity for claims. An extended period of higher than normal claims may cause high rates, while a profitable period may produce lower-priced Long Beach car insurance rates.

For example, the data below shows which company has the cheapest car insurance in Long Beach, CA for a 35-year-old male driver with a clear driving record, no claims, and a decent credit rating. When quoting prices based on his current rating profile, USAA offers the most affordable car insurance rates in Long Beach at $1,363 each year. This is $288 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remainder of the top five cheapest Long Beach, CA auto insurance companies.

The chart below compares rates after we give the driver from the first example some claims, slightly worse credit, and a few blemishes on his driving record. Due to the fact that every insurance company uses their own method for filing rates in each state, analyzing rates may result in a completely different list of affordable companies as shown below.

Grange now has the best auto insurance rate in Long Beach, CA with Mercury, Progressive, GEICO, and Allstate completing the list. This example proves why it is critical to spend some time comparing rates to get the cheapest insurance rates for state employees. Rates are impacted by many risk factors and can change without notice, so the best price when you last compared rates may now be quite expensive.