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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 $131.29 per month compared to the national average of $134.00 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.

AreaAverage Monthly Rate
National $134.00
California $131.51
Long Beach, California $131.29

Long Beach, CA Best Car Insurance Companies

car insurance in Long Beach

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, Esurance generally has the most affordable car insurance in Long Beach coming in around $133.70 per month. Other companies to consider if you live in Long Beach is USAA with an average cost of $148.64 per month and Allstate which typically runs around $154.76 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Long Beach.

RankCompanyAverage Monthly RateComparison State Average
1 Esurance $133.701.66%
2 USAA $148.6413.02%
3 Allstate $154.7617.68%
4 SAFECO $158.2320.32%
5 Unitrin $162.4223.50%
6 California Capital $165.0425.49%
7 21st Century $165.8926.14%
8 Mercury $171.1130.11%
9 CSAA $178.8736.01%
10 Grange $196.8449.67%

How Much is Car Insurance in Long Beach, CA?

how much is auto insurance in Long Beach

Rates can vary from city to city. The residents of Fresno typically pay $114.81 per month while people who live in Long Beach will pay $131.06 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Fresno $114.81
Long Beach $131.06
Los Angeles $174.06
Sacramento $129.50
San Diego $110.04
San Francisco $155.58

Cheap Car Insurance in Long Beach by Zip Codes

find cheap auto insurance in Long Beach

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 CodeAverage Monthly Rate
90801$68.16
90802$136.46
90803$133.60
90804$130.93
90805$131.83
90806$128.92
90807$126.17
90808$128.78
90810$123.98
90813$142.86
90814$110.24
90815$115.85
90840$147.16

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 $253.80 per month in Long Beach. Compare that to drivers in their 30’s who typically pay around $118.60 per month drivers in their 40s at $105.53 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 GroupAverage Monthly Rate
16-19$253.80
20s$153.36
30s$118.60
40s$105.53
50s$109.74
60s$110.68
70+$118.20

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, Kemper Auto Premier typically charges around $134.65 per month. This is likely the most affordable option in Long Beach. You might also want to consider Unitrin and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Kemper Auto Premier$134.65
Unitrin$192.70
USAA$256.03
California Capital$264.56
Allstate$266.51

Cheapest Insurance for 20 Year-olds in Long Beach

20 year-olds in Long Beach might want to consider Esurance who, on average, offers car insurance rates around $168.17 per month. Infinity Special , USAA , Unitrin and Allstate are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Esurance$168.17
Infinity Special$173.87
USAA$183.20
Unitrin$185.23
Allstate$192.12

Cheapest Insurance for 30 Year-olds in Long Beach

If you are in your 30s in Long Beach our research has found that Esurance typically has the most affordable coverage coming in around $128.32 per month, followed by USAA at $136.41 and Mercury at $150.34.

CompanyAverage Monthly Rate
Esurance$128.32
USAA$136.41
Mercury$150.34
SAFECO$152.04
21st Century$154.77

Cheapest Insurance for 40 Year-olds in Long Beach

On average, Esurance offers car insurance for 40 year-olds in Long Beach for around $109.32 per month. If you are looking for affordable coverage, you may also want to consider Direct Auto or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Esurance$109.32
Direct Auto$113.86
USAA$126.72
21st Century$129.60
Mercury$136.11

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 Esurance generally offers the most affordable coverage at $104.18 per month.

CompanyAverage Monthly Rate
Esurance$104.18
21st Century$119.26
Allstate$127.45
USAA$127.68
Mercury$129.33

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 Esurance usually has the best rates at $106.17 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Esurance$106.17
21st Century$108.15
Allstate$109.39
USAA$118.07
Mercury$122.81

Driver's Coverage Auto Insurance Rates in Long Beach, CA

driver's coverage

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 $130.91 while drivers who are not currently covered will pay around $131.22.

CoverageAverage Monthly Rate
Not Currently Insured $131.22
Currently Insured $130.91

Compare Recent Car Insurance Quotes in Long Beach

auto insurance quotes in Long Beach city

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 2021 Nissan Altima can expect to pay around $27.90 per month while someone that owns a 2021 Nissan Altima may pay around $35.66 per month. Check out the list of recent quotes in Long Beach below.

VehicleAverage Monthly Rate
2021 Nissan Altima$27.90
2021 Nissan Altima$35.66
2021 Nissan Altima$39.00
2021 Nissan Altima$29.50
2017 Lexus ES$161.34
2017 Toyota Camry$163.80
2003 Chevrolet Suburban$105.17
2016 Mazda CX-5$119.61
1996 Bmw 318$63.13
2005 Toyota Camry$80.39

FAQ's for Drivers in Long Beach, CA

driver’s frequently asked question in Long Beach

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.

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Commute Time in Long Beach, CA

30.4 Miles
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Commute Time in United States

26.4 Miles
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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.

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