120+ more*Quotes generated for Insurify users in and around Long Beach, California within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Long Beach, California within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Featured in
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
The average cost of car insurance in Long Beach, California, is $106 per month for liability insurance and $220 for full coverage, according to Insurify data. Drivers in Long Beach pay more for coverage than the California state average.
But Long Beach drivers pay less than drivers in Los Angeles, who pay average monthly rates of $141 for liability coverage and $286 for full coverage.
On the other hand, auto insurance in Long Beach is more expensive than in Bakersfield, where average rates are $78 per month for liability coverage and $172 for full coverage.
Auto insurance premiums in Long Beach may be expensive in part due to its high population density and a higher risk of vehicle theft. The city of Long Beach spans 52 square miles and has more than 450,000 residents, making it the second-largest city in Los Angeles County and the seventh-largest in California. Long Beach also has some of the worst vehicle theft rates in the U.S., earning an F grade for vehicle theft crime from CrimeGrade.org.[1]
All drivers in California must at least have the state’s minimum-required liability insurance. California car insurance requirements include $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability.[2]
Long Beach has higher car insurance rates than the state average. Liability car insurance in Long Beach costs an average of $106 per month, while the California state average for liability coverage is $94 per month.
The table below shows the cheapest liability car insurance companies in Long Beach, along with their average monthly rates.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $72 |
| Aspire General | $76 |
| National General | $80 |
| GEICO | $80 |
| Sun Coast | $81 |
| Mercury | $82 |
| Dairyland | $88 |
| Root | $97 |
| Allstate | $98 |
| Farmers | $101 |
| Direct Auto | $102 |
| Anchor | $105 |
| State Farm | $110 |
| Bristol West | $111 |
| Kemper Special | $111 |
| Travelers | $116 |
| Kemper Rsvp | $124 |
| 21st Century | $125 |
| Nationwide | $155 |
| Chubb | $196 |
Liability rates start at $72 per month
You can find cheap full-coverage car insurance in Long Beach from Aspire General, Root, and Mercury. These insurance companies offer the lowest rates in Long Beach for full coverage, which includes liability, comprehensive, and collision coverage.
Collision insurance can be handy in Long Beach, one of California’s top cities for deadly vehicle accidents. In particular, the tricky traffic circle on Pacific Coast Highway at Los Coyotes Diagonal is the site of many car accidents. Long Beach residents can also benefit from comprehensive coverage, given the city’s higher vehicle theft risk.
Below, you can compare the cheapest full-coverage car insurance rates in Long Beach.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $135 |
| Root | $153 |
| Mercury | $159 |
| USAA | $160 |
| GEICO | $162 |
| Kemper Special | $181 |
| Kemper Rsvp | $184 |
| Sun Coast | $187 |
| Anchor | $200 |
| Dairyland | $201 |
| National General | $212 |
| Allstate | $219 |
| Farmers | $226 |
| Bristol West | $237 |
| State Farm | $245 |
| Direct Auto | $248 |
| Travelers | $256 |
| 21st Century | $280 |
| Nationwide | $345 |
| Chubb | $436 |
The third-largest U.S. state, California spans a massive area, and its many cities have different average car insurance rates based on local risk factors.
Santa Maria is one of the cheapest cities for car insurance in California, with average rates of $67 per month for liability-only coverage, according to Insurify data. Glendale has some of the most expensive car insurance in California, with an average liability insurance cost of $164 per month.
Car insurance in Long Beach falls between these two, with an average cost of $106 per month for liability insurance. Santa Maria’s population is about one-quarter of Long Beach’s population, which may contribute to its lower rates.
Long Beach has higher traffic congestion than some California cities, thanks to the Port of Long Beach and the 405, 710, and 605 freeways.
Below, you can see how average car insurance rates vary by city in California.
City | Average Monthly Quote |
|---|---|
| Anaheim | $152 |
| Bakersfield | $125 |
| Berkeley | $147 |
| Chula Vista | $121 |
| Elk Grove | $137 |
| Fremont | $133 |
| Fresno | $126 |
| Glendale | $256 |
| Long Beach | $163 |
| Los Angeles | $214 |
| Modesto | $137 |
| Moreno Valley | $140 |
| Oakland | $161 |
| Oxnard | $131 |
| Riverside | $143 |
| Sacramento | $150 |
| San Bernardino | $150 |
| San Diego | $124 |
| San Francisco | $165 |
| San Jose | $130 |
| Santa Ana | $144 |
| Santa Barbara | $119 |
| Santa Maria | $107 |
| Stockton | $139 |
| Temecula | $126 |
| Victorville | $153 |
The average cost of car insurance in Long Beach is higher than the state and national averages, at $163 per month.
The state average is $146, and the national average is $142.
Long Beach has heavy traffic congestion and one of the highest vehicle theft rates in the country, both of which likely contribute to the city’s higher car insurance premiums.
*Quotes generated for Insurify users in and around Long Beach, California within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Long Beach, California within the last 10 days. Last updated on May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance quotes in Long Beach vary widely based on driving history. Drivers with a clean record pay the lowest rates, and premiums increase based on the severity of your incident.
Below, find the cheapest car insurance companies in Long Beach by driving record:
Cheapest car insurance for Long Beach drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Long Beach: USAA
Cheapest car insurance for Long Beach drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Long Beach: USAA
California is an at-fault state, which means your insurance company will have to pay for the other driver’s damages following an at-fault accident, even if someone else was driving your vehicle.
If you have an incident on your driving record, your car insurance rates may go up. The amount your rates may increase ultimately depends on the incident and severity. In Long Beach, 2.29% of drivers have a speeding ticket, 5.29% have an at-fault accident, and 0.89% have a DUI, according to Insurify data.
Law enforcement periodically sets up DUI checkpoints in different parts of Long Beach. A first DUI offense in California can result in a one-year suspension of your driver’s license.
Here are the average car insurance costs by driving record in Long Beach.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $163 |
| Speeding ticket | $206 |
| At-fault accident | $206 |
| DUI | $215 |
Driving in Long Beach can be challenging, given the traffic, but finding parking can be even more difficult. Whether you’re driving to Downtown Long Beach, the Pike Outlets, Belmont Shore, or somewhere special like the Grand Prix, finding a parking spot can feel tricky. Downtown has parking garages and metered street parking, so you’ll likely have to pay for your spot once you find one.
Long Beach also has many traffic circles, including the major one connecting Lakewood Boulevard, Pacific Coast Highway (PCH), and Los Coyotes Diagonal, a location with a high accident rate. On traffic circles, you must drive in a counterclockwise direction and enter the roundabout only when a big enough gap occurs in traffic.
Drivers in Long Beach should also be aware of areas with more bicyclists and pedestrians, such as 2nd Street in Belmont Shore. Other heavy congestion areas include Downtown, the Port area, and the vicinity of California State University, Long Beach. In these heavy traffic areas, it’s extra important to exercise caution.
Getting stuck in traffic on PCH may feel inevitable, and there’s been growing concern about dangerous driving and fatalities on this main thoroughfare in the city. In January 2026, a DUI checkpoint at PCH and 2nd Street resulted in five citations and one DUI arrest.
Long Beach is also home to major freeways, including the 710, which connects the Port to other parts of Los Angeles, and commuter freeways such as the 405 and 605.
Due to this congestion, the average commuting time in Long Beach is about 30 minutes, according to U.S. Census Bureau data.[3] Combined, these factors increase crash exposure and risk, which can influence car insurance rates.
Collision data shows that male teens and young adults represent a larger share of people injured or killed in traffic collisions in Long Beach.[4] Teen drivers have limited experience behind the wheel and tend to engage in risky behavior on the road. As a result, auto insurance costs for Long Beach teens can be steep.
Long Beach teens pay monthly averages of $194 for liability policies and $402 for full-coverage policies.
The following data shows the insurance companies with the cheapest liability rates for teenage drivers in Long Beach.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $134 |
| Aspire General | $139 |
| GEICO | $145 |
| Sun Coast | $148 |
| Mercury | $151 |
| Dairyland | $154 |
| National General | $160 |
| Root | $169 |
| Allstate | $195 |
| Bristol West | $198 |
| Direct Auto | $199 |
| Anchor | $201 |
| Kemper Special | $203 |
| Farmers | $203 |
| State Farm | $214 |
| 21st Century | $225 |
| Kemper Rsvp | $227 |
| Travelers | $243 |
| Nationwide | $304 |
| Chubb | $405 |
See quotes from top insurers in minutes
Residents aged 65 and older make up 13.5% of the population in Long Beach, according to U.S. Census Bureau data.
Senior drivers pay $96 per month for liability-only insurance and $200 per month for full coverage.
Below, you can see the cheapest liability car insurance rates for senior drivers in Long Beach.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $60 |
| National General | $65 |
| GEICO | $65 |
| Mercury | $67 |
| Aspire General | $69 |
| Sun Coast | $74 |
| Dairyland | $77 |
| Allstate | $82 |
| Farmers | $82 |
| Root | $83 |
| Direct Auto | $86 |
| Anchor | $88 |
| State Farm | $89 |
| Bristol West | $95 |
| Travelers | $95 |
| 21st Century | $101 |
| Kemper Special | $101 |
| Kemper Rsvp | $113 |
| Nationwide | $122 |
| Chubb | $152 |
Learn more about cheap Long Beach car insurance companies with these answers to frequently asked questions.
The average cost of car insurance in Long Beach is $163 per month, according to Insurify data. Long Beach drivers pay $106 per month for liability coverage and $220 for full coverage. The cost of your auto insurance policy depends on your coverage choices, driving history, age, deductible, and whether you qualify for any insurance discounts.
The most affordable car insurance in Long Beach is from USAA, with average rates of $72 per month for a liability-only auto policy. Aspire General and National General are two more affordable choices, with average monthly liability rates of $76 and $80, respectively. The best car insurance company for you will depend on your coverage needs and driver profile.
California car insurance costs an average of $146 per month, according to Insurify data. Rates can vary significantly by city, insurance coverage, age, and driving record. For example, California drivers pay $94 per month for liability coverage and $198 for full-coverage insurance, on average.
Many factors determine the cost of car insurance in Long Beach, including driving history, age, deductible, and coverage. Population density and theft rates in the city are also factors, so auto insurance rates can differ if you live near Long Beach Boulevard or California State University, Long Beach.
Long Beach drivers may qualify for auto insurance discounts to help lower premiums, depending on the insurance company. For example, GEICO offers a multi-driver discount and a bundling discount if you bundle your auto policy with renters insurance or homeowners insurance. Ask your insurance agent about what discounts you qualify for.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Featured in
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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