Cheapest Auto Insurance in Long Beach, California (2024)

Long Beach, California, drivers pay an average of $216 per month for full-coverage car insurance, which is on par with the state’s average rate of $255 per month. But Long Beach drivers still pay lower average rates than drivers who live in Los Angeles, despite its proximity to Los Angeles.

Because insurance companies consider accident rates in specific ZIP codes, the fewer traffic injuries and fatalities in Long Beach compared to Los Angeles may contribute to the city’s lower car insurance premiums.^[1]

Long Beach drivers may be able to lower their car insurance rates even more by comparing quotes, looking for discounts, and bundling policies.

3 of the cheapest car insurance companies in Long Beach

Finding the ideal car insurance company in Long Beach involves careful consideration of your personal requirements and situation rather than choosing the cheapest policy. Factors such as your driving history, vehicle type, and coverage preferences can influence the rates you get from different companies.

To help you in the insurance-shopping process, here are some of the top car insurance companies in Long Beach.

Best insurer for low-mileage drivers: Mile Auto

Best insurer for digital policy management: Clearcover

Best insurer for full coverage: Travelers

How to get the cheapest car insurance in Long Beach

If you want to save money on car insurance in Long Beach, you may have to do a little legwork. Keep these tips in mind as you shop quotes from different insurers:

• Prioritize safe driving. By adhering to traffic laws, avoiding accidents, and steering clear of violations, you can maintain a clean driving record, which can positively affect your insurance rates.

• Compare different companies. Remember, the goal isn’t just to find cheap car insurance in Long Beach, but to find the right policy at the best price. Since insurance companies offer different rates to drivers, it’s crucial to compare quotes from multiple insurance companies to find the most suitable deal.

• Explore available discounts. Many insurance companies offer discounts for different things, such as good grades, low mileage, or specific safety features in your vehicle, that you or your family members may qualify for. Additionally, you may be able to get a discount when you bundle a home insurance policy with an auto policy.

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Cheapest liability-only car insurance in Long Beach: Mile Auto

If you want the cheapest car insurance you can qualify for, consider a liability-only policy, which offers coverage to pay for other parties’ injuries and property damage when you cause an accident. But this type of coverage doesn’t extend to your own medical bills or vehicle repair costs.

Liability insurance in Long Beach costs an average of $134 per month.

Here are some of the cheapest car insurance companies for liability-only policies in Long Beach.

Cheapest full-coverage car insurance in Long Beach: Mile Auto

Liability-only car insurance in California covers the damages and injuries you cause to others. For people looking for additional protection, full-coverage car insurance typically includes liability, comprehensive, and collision coverages — adding coverage for damages to your vehicle, even if you’re at fault in an accident.

Long Beach drivers pay an average of $216 per month for full-coverage car insurance.

If you’re looking for affordable full-coverage policies in Long Beach, start your search with the cheapest companies below.

Car insurance requirements in California

Like in many other states, California requires drivers to carry car insurance coverage that meets the state’s minimum requirement. California’s minimums are known as 15/30/5, which translates to the following coverages:^[2]

Although you can drive legally by purchasing liability-only coverage at California’s required limits, you may want more protection that covers more situations. Consider maximizing your auto policy’s protection with these optional coverages:

• 

  Comprehensive coverage

  Comprehensive coverage pays for damages caused by non-collision events, including fire, vandalism, theft, falling objects, and natural disasters.

• 

  Collision coverage

  Collision insurance covers repairs for damages from collisions with other vehicles or objects, regardless of fault.

• 

  Glass coverage

  Glass coverage includes coverage for windshield and glass damages, with select policies offering zero-deductible coverage for side windows, rear windows, and glass sunroofs.

• 

  Gap coverage

  Especially beneficial for financed or leased vehicles, gap insurance covers the difference between your auto loan balance and the insurance settlement in the event of a total loss.

California’s low-cost auto insurance program

California’s Low Cost Automobile insurance program (CLCA) provides affordable options for drivers amid rising rates. The program offers car insurance coverage with annual premiums ranging from $232 to $932, depending on the county.

To qualify for the program, drivers must meet specific criteria, including:

• Holding a valid California driver’s license

• Meeting income eligibility requirements

• Owning a vehicle valued at $25,000 or less

• Being at least 16 years old

• Maintaining a good driving record or being a new driver

The program’s auto insurance satisfies the state’s minimum liability requirements. Additionally, drivers have the choice to enhance their coverage by adding medical payments and uninsured/underinsured motorist coverage for an extra cost of $37 to $107 per year. Interested drivers can apply for the program online through MyLowCostAuto.com.

Cheapest car insurance for drivers with an incident

For drivers with a history of incidents like speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations, finding affordable car insurance is a top priority. These incidents often lead to increased insurance premiums, as they signal a greater chance of future claims to car insurers.

But it’s still possible to find affordable coverage despite having a less-than-perfect driving record.

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Operating a vehicle above the speed limit is a hazardous practice that can have detrimental consequences for your own safety and the well-being of others. For example, Long Beach reported more than 300 fatalities and injuries from speed-related crashes.^[1] Having a speeding ticket on your driving record will likely lead to increased auto insurance premiums when compared to maintaining a clean record.

People in Long Beach with a speeding ticket pay an average of $187 per month for liability coverage and $302 per month for full coverage.

The table below shows the cheapest companies for drivers with a speeding ticket in Long Beach, California, and how rates compare to those for drivers with a clean record.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

Having an at-fault accident on your driving record often results in an increase in auto insurance premiums. Insurance companies raise rates to offset potential financial risks associated with future accidents and claims.^[4] And too many accidents on your record may cause your insurance company to not renew your policy at the end of the term.

Long Beach drivers with an accident on their record pay $175 per month for liability insurance and $282 per month for full-coverage insurance, on average.

Here’s a look at the cheapest car insurance companies for drivers with an at-fault accident in Long Beach.

Cheapest car insurance for drivers with a DUI: Mile Auto

Driving under the influence is a grave offense that carries heavy consequences, including considerably higher car insurance premiums. In California, a DUI conviction may result in an SR-22 insurance filing requirement with the state, signifying to insurers that you’re a high-risk driver. Insurance companies view a DUI history as a substantial financial liability and often adjust premiums accordingly.

Liability coverage costs an average of $180 per month for Long Beach drivers with a DUI on their record. Full-coverage policies increase to an average of $290 per month.

If you have a DUI on your record, consider the following insurers in Long Beach that offer the cheapest average monthly quotes.

Cheapest car insurance for seniors: Mile Auto

Age plays a major role in car insurance rates, with a usual trend of decreasing premiums as drivers acquire more experience and reach their mid-30s.

Once drivers reach 70 years old, premiums might slightly increase due to factors like potential health concerns and increased accident risks.^[5] But senior drivers tend to pay low premiums compared to other age groups because of their years of experience and fewer miles driven in retirement.

Senior drivers in Long Beach pay a monthly average of $177 for full-coverage car insurance.

For senior drivers in Long Beach, here are the auto insurance companies that offer some of the most competitive average monthly quotes.

Cheapest car insurance for teens: Mile Auto

Car insurance rates for teenagers are more expensive compared to older drivers due to their lack of experience on the road and heightened risk factors.^[6]

Teen drivers in Long Beach pay $207 per month for a minimum-coverage policy, on average.

If you’re a teen driver in Long Beach, one effective method for finding affordable car insurance is to remain on a parent’s insurance policy, as this often results in lower premiums.

Additionally, look for car insurance companies that offer student-specific discounts, like a good grades discount, student-away-at-school discount, and teenSMART course completion discount.

The table below shows the cheapest car insurance companies for young adults and teen drivers in Long Beach.

Is car insurance more expensive in Long Beach?

The average cost of full-coverage car insurance in the U.S. is $213 per month, and in California, it’s $255. In Long Beach, drivers pay slightly more per month, on average.

Insurance rates can vary significantly depending on the ZIP code, and factors like weather, crime, and traffic conditions can also affect rates.

More cities in California

While car insurance rates in Long Beach are generally higher compared to many other cities in California, some exceptions exist. Cities like Los Angeles, which recorded significantly more traffic injuries and fatalities in 2020 than Long Beach, typically have higher average car insurance costs.

The following table shows average monthly quotes in some other major cities in California.

Long Beach car insurance FAQs