Long Beach, California, drivers pay an average of $259 per month for full-coverage car insurance, which is on par with the state’s average rate of $258 a month. That being said, 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.

Quick Facts

Long Beach’s average full-coverage premiums are similar to the California and national average rates.
Long Beach drivers pay about 35% less than Los Angeles drivers for car insurance.
Qualifying drivers can explore California’s Low Cost Auto Plan to purchase affordable insurance that meets state minimum requirements.

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Best 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

Low-Mileage DriversMile Auto

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.4
A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).	NR
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$68/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$124/mo

Overview

If you’re a driver who doesn’t frequently drive, Mile Auto is a standout choice. Its pay-per-mile insurance model offers substantial savings of 30% to 40% on current premiums, making it an attractive option for low-mileage drivers. But some customers may find its lack of customizable coverage and mobile app policy management disappointing.

Pros and cons

Pros

Low-mileage savings
No in-car telematics device requirements

Cons

Doesn’t offer a mobile app
Limited additional coverage options

Best insurer for digital policy management: Clearcover

Digital Policy ManagementClearcover

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.1
A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).	NR
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$68/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$133/mo

Overview

In addition to its affordability, Clearcover sets itself apart by offering a seamless customer experience. Policyholders can obtain a personalized quote swiftly, thanks to its streamlined quote process. Furthermore, its claims process is incredibly efficient, with an average filing time of just seven minutes.

Pros and cons

Pros

Efficient claims process
Offers mobile app for digital policy management

Cons

Doesn’t have other insurance products for bundling
Limited discounts

Reviews

The pricing is good, but the renewal process is a nightmare; calling, chatting, and filling up forms for extended renewal is too much work. Just get Progressive.

BAYRON - July 23, 2023

Verified

I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.

Catherine - January 14, 2023

Verified

Great service, low price, very helpful staff

Jack - September 12, 2022

Verified

Read our Clearcover review

Best insurer for full coverage: Travelers

Full CoverageTravelers

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	829
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$150/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$238/mo

Overview

Travelers car insurance offers convenience and a solid insurance product. You can rely on Travelers to cover expenses for car repairs, property damage, medical bills, and more. Travelers also offers liability coverage, roadside assistance, and gap insurance. Travelers provides ways to save through various discount options.

Pros and cons

Pros

Offers gap insurance and roadside assistance
Has multiple discounts available

Cons

Below-average J.D. Power claims satisfaction rating
Rideshare insurance not available in California

Reviews

They have the lowest rates I could find.

Elise - September 11, 2023

Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023

Verified

Good service.

Jorge - September 4, 2023

Verified

Read our Travelers review

Cheapest liability-only car insurance in Long Beach

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. However, this type of coverage doesn’t extend to your own medical bills or vehicle repair costs.

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

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Clearcover	68
Mile Auto	68
Sun Coast	73
Infinity	83
Mercury	83
Anchor	89
USAA	93
Safeco	104
National General	114
Dairyland	117
GEICO	124
Allstate	128
Farmers	132
State Farm	143
Travelers	150
Bristol West	151
21st Century	163
Nationwide	202

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Long Beach

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.

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

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Mile Auto	124
Clearcover	133
Sun Coast	148
Mercury	150
Infinity	159
Safeco	175
Anchor	180
USAA	187
National General	230
Travelers	238
GEICO	250
Allstate	258
Dairyland	266
Farmers	266
State Farm	288
Bristol West	311
21st Century	330
Nationwide	406

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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]

Coverage	Minimum Requirements
Bodily injury liability	$15,000 per person $30,000 per accident
Property damage liability	$5,000 per accident

Important Information

California liability limits are increasing on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.^[3]

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.

Learn More: How Much Car Insurance Do You Need?

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.

Insurify offers valuable insights on the cheapest insurance companies, making it a great resource for drivers seeking affordable coverage despite having a less-than-perfect driving record.

Shop for Car Insurance in Long Beach

Insurify partners with 70+ top insurance companies to generate real-time quotes

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Based on 3,806+ reviews

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Cheapest car insurance for drivers with a speeding ticket

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] You can expect that having a speeding ticket on your driving record will lead to increased auto insurance premiums when compared to maintaining a clean record.

To help you find affordable car insurance coverage, the table below shows the cheapest companies for drivers with a speeding ticket in Long Beach, California.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	179	98
Clearcover	192	98
Sun Coast	214	105
Mercury	216	120
Infinity	229	120
Safeco	253	150
Anchor	260	128
USAA	270	134
National General	332	165
Travelers	344	216
GEICO	361	179
Allstate	372	185
Dairyland	384	169
Farmers	384	191
State Farm	416	206
Bristol West	449	218
21st Century	476	235
Nationwide	586	292

Cheapest car insurance for drivers with an at-fault accident

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.

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

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	172	94
Clearcover	184	94
Sun Coast	205	101
Mercury	208	115
Infinity	220	115
Safeco	242	144
Anchor	249	123
USAA	259	129
National General	318	158
Travelers	329	208
GEICO	346	172
Allstate	357	177
Dairyland	368	162
Farmers	368	183
State Farm	399	198
Bristol West	430	209
21st Century	457	226
Nationwide	562	280

Cheapest car insurance for drivers with a DUI

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.^[4]

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

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	185	101
Clearcover	199	101
Sun Coast	221	109
Mercury	224	124
Infinity	237	124
Safeco	261	155
Anchor	269	133
USAA	279	139
National General	343	170
Travelers	355	224
GEICO	373	185
Allstate	385	191
Dairyland	397	175
Farmers	397	197
State Farm	430	213
Bristol West	464	225
21st Century	493	243
Nationwide	606	302

Cheapest car insurance for seniors

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. However, once drivers reach 75 years old, premiums might slightly increase due to factors like potential health concerns and increased accident risks.^[5] However, senior drivers tend to pay low premiums compared to other age groups because of their years of experience and fewer miles driven in retirement.

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

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	69	38
Clearcover	75	38
Sun Coast	83	41
Mercury	84	47
Infinity	89	47
Safeco	98	58
Anchor	101	50
USAA	105	52
National General	129	64
Travelers	133	84
GEICO	140	69
Allstate	145	72
Dairyland	149	66
Farmers	149	74
State Farm	161	80
Bristol West	174	85
21st Century	185	91
Nationwide	227	113

Cheapest car insurance for teens

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

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	209	115
Clearcover	224	115
Sun Coast	249	123
Mercury	253	140
Infinity	268	140
Safeco	295	175
Anchor	303	150
USAA	315	157
National General	387	192
Travelers	401	253
GEICO	421	209
Allstate	435	216
Dairyland	448	197
Farmers	448	222
State Farm	485	241
Bristol West	524	254
21st Century	556	275
Nationwide	684	340

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.

Find Car Insurance in Long Beach

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Is car insurance more expensive in Long Beach?

The average cost of full-coverage car insurance in the U.S. is $253 a month, and in California, it’s $258. In Long Beach, drivers pay $1 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.^[6]

For example, drivers in Long Beach pay more on average than drivers in Modesto and San Diego but less than drivers in Los Angeles and San Francisco.

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.^[1]

The following table compares Long Beach’s average full-coverage quote with those of other major cities in California.

City	Average Monthly Quote	Compared to Long Beach
Bakersfield	$244	-6%
Fresno	$234	-10%
Los Angeles	$350	35%
Modesto	$225	-13%
Oakland	$271	5%
Sacramento	$263	2%
San Diego	$226	-13%
San Francisco	$316	22%
San Jose	$254	-2%
Stockton	$248	-4%

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Long Beach car insurance FAQs

Below are Insurify’s answers to common questions about car insurance in Long Beach. You can also check out Insurify’s guide on switching car insurance if you find a new company you want to switch to.

How much is car insurance in Long Beach?
The average cost of car insurance in Long Beach is $127 for liability-only coverage and $259 for full coverage.
What are the best car insurance companies in Long Beach?
A few of the best car insurance companies in Long Beach include Clearcover, Mile Auto, and Travelers. These auto insurers offer coverage options to meet different needs, like digital policy management, full-coverage car insurance customization, or usage-based insurance. However, the best insurer for you may not be the one that’s best for someone else. Always compare quotes from multiple insurance companies to find the one that offers the best rates for the coverage you need.
What types of coverage are available for car insurance in Long Beach?
Long Beach drivers can find plenty of coverage options for car insurance. Insurers in the city typically offer comprehensive, collision, medical payments, personal injury protection, roadside assistance, gap coverage, and rental car reimbursement for drivers to customize their auto insurance policies.
Can auto insurers use your credit score to set rates in California?
No. California car insurance companies can’t use your credit score when underwriting policies.^[7] This means that you won’t pay more for car insurance just because you have no credit history or a bad credit score.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

More cities in California

Popular cities

Sources

California Office of Traffic Safety. "Crash Rankings Results: Long Beach." Accessed July 25, 2023
California DMV. "Auto Insurance Requirements." Accessed July 25, 2023
California Legislative Information. "SB-1107 Vehicles: insurance." Accessed July 25, 2023
III. "Do auto insurance premiums go up after a claim?." Accessed July 25, 2023
III. "Senior driving safety and insurance tips." Accessed July 25, 2023
III. "What determines the price of an auto insurance policy?." Accessed July 25, 2023
Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance." Accessed July 25, 2023

Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

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Edited byCourtney MikulskiSenior Editor, Auto

Courtney MikulskiSenior Editor, Auto

3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Save up to $717 by comparing quotes from the top 70+ insurance companies

Table of contents

Table of contentsCompare quotes

Find Car Insurance in Long Beach

Best car insurance companies in Long Beach

Best insurer for low-mileage drivers: Mile Auto

Low-Mileage DriversMile Auto

Best insurer for digital policy management: Clearcover

Digital Policy ManagementClearcover

Best insurer for full coverage: Travelers

Full CoverageTravelers

Cheapest liability-only car insurance in Long Beach

Cheapest full-coverage car insurance in Long Beach

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in California

Comprehensive coverage

Collision coverage

Glass coverage

Gap coverage

California’s low-cost auto insurance program

Learn More: How Much Car Insurance Do You Need?

Cheapest car insurance for drivers with an incident

Shop for Car Insurance in Long Beach

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Long Beach

Find Car Insurance in Long Beach

Is car insurance more expensive in Long Beach?

More cities in California

Long Beach car insurance FAQs

Methodology

Related articles

More cities in California

Popular cities

Sources

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