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Long Beach Car Insurance
How much does car insurance cost in Long Beach, CA? Check out the average rates that drivers pay below.
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What Is the Average Cost of Car Insurance in Long Beach?
Long Beach is a coastal city in Southern California. Among its many sights is the Aquarium of the Pacific; the Queen Mary, an ocean liner turned hotel that dates back to 1936a a spa and restaurant and Rancho Los Cerritos, a 19th-Century adobe home, museum and gardens. For art lovers, there is the Museum of Latin American Art. This museum is the only museum in the United States dedicated to modern and contemporary Latin American and Latino Art.
Love the California coastline? There are biking trails along the Long Beach Waterfront and you can get down in the sand and get closer to the water at City Beach. Bluff Park has parks and beaches to enjoy as well. Ready to go out on the water? You can take a boat tour for dolphin and whale watching. Want to take in a show? You can watch a play at the Long Beach Playhouse or the Art Theatre of Long Beach.
There's so much more to explore in Long Beach, and there is mass transit in Long Beach but it is nice to drive your car especially along the coast. Are you happy with your auto insurance rates? You could save money by shopping around for a better insurance rate. SmartFinancial, with its more than 200 partner insurance companies, can help with this task. You just need to fill out a short form with SmartFinancial and you'll receive insurance quotes from companies in your area.
Monthly Average Rates by Country, State, and City
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Long Beach typically pay around $152.74 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
| Area | Average Monthly Rate |
|---|---|
| National | $146.47 |
| California | $146.59 |
| Long Beach, California | $152.74 |
Long Beach, CA Best Car Insurance Companies
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Long Beach coming in around $88.24 per month. Other companies to consider if you live in Long Beach is Kemper Auto Premier with an average cost of $129.98 per month and Mercury Insurance Company which typically runs around $130.72 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Long Beach.
| Rank | Company | Average Monthly Rate | Comparison State Average |
|---|---|---|---|
| 1 | Direct Auto | $88.24 | -39.80% |
| 2 | Kemper Auto Premier | $129.98 | -11.33% |
| 3 | Mercury Insurance Company | $130.72 | -10.82% |
| 4 | Kemper Personal Insurance | $130.93 | -10.68% |
| 5 | Esurance | $140.19 | -4.37% |
| 6 | SAFECO | $148.13 | 1.05% |
| 7 | USAA | $150.47 | 2.65% |
| 8 | Mercury Insurance | $166.00 | 13.24% |
| 9 | Mercury | $169.99 | 15.96% |
| 10 | Allstate | $173.11 | 18.09% |
How Much is Car Insurance in Long Beach, CA?
Rates can vary from city to city. The residents of Anaheim typically pay $147.61 per month while people who live in Bakersfield will pay $135.16 per month on average. See what people pay for car insurance in other cities in California.
| California Cities | Monthly Average Rate |
|---|---|
| Anaheim | $147.61 |
| Bakersfield | $135.16 |
| Fresno | $133.63 |
| Long Beach | $152.69 |
| Los Angeles | $183.72 |
| Oakland | $161.43 |
| Pasadena | $160.36 |
| Riverside | $144.17 |
| Sacramento | $144.13 |
| San Bernardino | $143.62 |
| San Diego | $128.19 |
| San Francisco | $163.92 |
| San Jose | $139.47 |
| Santa Barbara | $127.16 |
| Stockton | $138.17 |
Cheap Car Insurance in Long Beach by Zip Codes
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
| Long Beach, CA ZIP Code | Average Monthly Rate |
|---|---|
| 90048 | $181.38 |
| 90503 | $82.99 |
| 90745 | $159.19 |
| 90746 | $189.78 |
| 90755 | $127.37 |
| 90801 | $90.71 |
| 90802 | $155.90 |
| 90803 | $146.47 |
| 90804 | $151.30 |
| 90805 | $153.70 |
| 90806 | $154.20 |
| 90807 | $140.36 |
| 90808 | $137.06 |
| 90809 | $124.70 |
| 90810 | $139.04 |
| 90813 | $169.95 |
| 90814 | $141.97 |
| 90815 | $149.64 |
| 90831 | $119.83 |
| 90833 | $98.83 |
| 90840 | $147.16 |
| 92649 | $109.60 |
Car Insurance Rates by Driver's Age Group in Long Beach
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $294.14 per month in Long Beach. Compare that to drivers in their 30’s who typically pay around $141.48 per month drivers in their 40s at $137.39 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $294.14 |
| 20s | $186.29 |
| 30s | $141.48 |
| 40s | $137.39 |
| 50s | $130.56 |
| 60s | $128.42 |
| 70+ | $150.51 |
Cheapest Insurance for Teenage Drivers in Long Beach
If you are teen in Long Beach you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Direct Auto typically charges around $69.76 per month. This is likely the most affordable option in Long Beach. You might also want to consider SAFECO and Kemper Auto Premier who also offer good affordable policies for teen drivers.
| Company | Average Monthly Rate |
|---|---|
| Direct Auto | $69.76 |
| SAFECO | $74.33 |
| Kemper Auto Premier | $115.21 |
| Mercury Insurance Company | $185.24 |
| National General | $233.66 |
Cheapest Insurance for 20 Year-olds in Long Beach
20 year-olds in Long Beach might want to consider Direct Auto who, on average, offers car insurance rates around $68.95 per month. Kemper Auto Premier , Kemper Personal Insurance , Mercury Insurance Company and SAFECO are also in the top 5 cheapest rates available.
| Company | Average Monthly Rate |
|---|---|
| Direct Auto | $68.95 |
| Kemper Auto Premier | $126.36 |
| Kemper Personal Insurance | $145.00 |
| Mercury Insurance Company | $156.13 |
| SAFECO | $170.71 |
Cheapest Insurance for 30 Year-olds in Long Beach
If you are in your 30s in Long Beach our research has found that Direct Auto typically has the most affordable coverage coming in around $81.25 per month, followed by Mercury Insurance Company at $86.94 and Kemper Personal Insurance at $93.00.
| Company | Average Monthly Rate |
|---|---|
| Direct Auto | $81.25 |
| Mercury Insurance Company | $86.94 |
| Kemper Personal Insurance | $93.00 |
| Kemper Auto Premier | $112.23 |
| Esurance | $130.93 |
Cheapest Insurance for 40 Year-olds in Long Beach
On average, Direct Auto offers car insurance for 40 year-olds in Long Beach for around $76.46 per month. If you are looking for affordable coverage, you may also want to consider Kemper Personal Insurance or Mercury Insurance Company. The full list of top companies is below.
| Company | Average Monthly Rate |
|---|---|
| Direct Auto | $76.46 |
| Kemper Personal Insurance | $93.00 |
| Mercury Insurance Company | $117.58 |
| Esurance | $126.29 |
| Kemper Auto Premier | $133.42 |
Cheapest Insurance for 50 Year-olds in Long Beach
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Long Beach we found that Mercury Insurance Company generally offers the most affordable coverage at $111.50 per month.
| Company | Average Monthly Rate |
|---|---|
| Mercury Insurance Company | $111.50 |
| Esurance | $114.67 |
| Clearcover | $128.98 |
| USAA | $130.90 |
| SAFECO | $130.90 |
Cheapest Insurance for 60 Year-olds in Long Beach
If you live in Long Beach and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $70.86 per month. The top 5 list of car insurance companies is below.
| Company | Average Monthly Rate |
|---|---|
| Direct Auto | $70.86 |
| Kemper Personal Insurance | $82.00 |
| Mercury Insurance Company | $103.42 |
| Esurance | $114.20 |
| SAFECO | $121.76 |
Driver's Coverage Auto Insurance Rates in Long Beach, CA
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Long Beach, the average monthly rate for a driver who is currently insured is $156.72 while drivers who are not currently covered will pay around $148.76.
| Coverage | Average Monthly Rate |
|---|---|
| Not Currently Insured | $148.76 |
| Currently Insured | $156.72 |
Compare Recent Car Insurance Quotes in Long Beach
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Long Beach a driver of a 2018 Audi Q3 can expect to pay around $167.84 per month while someone that owns a 2018 Acura RDX may pay around $144.87 per month. Check out the list of recent quotes in Long Beach below.
| Vehicle | Average Monthly Rate |
|---|---|
| 2018 Audi Q3 | $167.84 |
| 2018 Acura RDX | $144.87 |
| 2004 Chevrolet Trailblazer | $110.56 |
| 2015 Ram 1500 | $80.75 |
| 2021 Tesla Model 3 | $127.84 |
| 2013 Toyota Rav4 | $95.87 |
| 2016 Audi A4 | $88.34 |
| 2020 Nissan Altima | $105.55 |
| 2021 Toyota Venza | $109.05 |
| 2018 Infiniti QX30 | $201.69 |
FAQ's for Drivers in Long Beach, CA
Long Beach Auto Insurance Requirements
In Long Beach, you are required to have auto liability insurance coverage.
What is the Minimum Amount of Liability Coverage Requirement in Long Beach?
- $15,000 bodily injury liability coverage per person
- $30,000 bodily injury liability coverage per accident
- $5,000 property damage
What Is the Blood Alcohol Concentration (BAC) limit in Long Beach?
The legal blood alcohol content (BAC) level limit is .08% in California. If you have a BAC limit of .08% and you are driving a car, you could be convicted of a DUI. In California, a DUI conviction would mean three years of probation, fines of $300 to $2,000, attending a 30-hour DUI school and a six-month driver's license suspension. With a DUI conviction on your driving record, you will see your auto insurance rates go up. How high your insurance rates will climb depends on your insurer. Some companies charge more than others for DUIs. SmartFinancial can help you find insurance companies that charge lower rates for DUI convictions.
Can I Register My Car Without Insurance in Long Beach?
You must have liability insurance for your car when you register your car in Long Beach. Both these items must be current and up-to-date. This is true even if you do not use the car. The car insurance must be issued by an insurance company authorized by the California Department of Insurance and certified by the California State DMV. And the insurance for your car must be issued in the name of the vehicle registrant.
Check Out Other Rates in Long Beach, CA Nearby Cities:
Commute Time in Long Beach, CA
30.4 MilesCommute Time in United States
26.4 Miles
Number of Nearest Insurance Agents in Long Beach, CA
149 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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