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What's the average car insurance rate in Long Beach?


Auto insurance costs an average of $2,052 per year in Long Beach. That's more expensive than the statewide average in California ($1,868) and more costly than the national average of $1,548. Our guide to Long Beach auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


LONG BEACH CAR INSURANCE RATES
Long Beach Average (annual) California Average National Average
$2,052 $1,868 $1,548

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Long Beach auto insurance costs by company


The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers Long Beach's most affordable premiums. We've listed the best cheap car insurance providers in Long Beach below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


LONG BEACH AUTO INSURANCE RATES BY COMPANY
Insurer Average Annual Rate
GEICO $1,463
Mercury $1,666
AAA $1,909
Infinity $2,027
Allstate $2,112

Read our guide to finding the best cheap auto insurance.



Long Beach auto insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Long Beach are drivers in their 60s, who pay an average of $1,840per year. Drivers in their 50s pay marginally higher rates — $1,846 per year.

The Long Beach drivers facing the priciest insurance rates are teenagers. When Long Beach drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Long Beach is $4,514, the largest such difference between any two age groups.


LONG BEACH AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age Average Annual Rate
Teenagers $7,544
20s $3,030
30s $1,997
40s $1,932
50s $1,846
60s $1,840
70s $2,140

Learn more about how age influences auto insurance rates.



Long Beach car insurance rates by marital status and gender


Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Long Beach pay $86 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Long Beach, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect auto insurance rates. In Long Beach, female drivers pay $4 per year more than do male drivers for car insurance.


LONG BEACH CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/Gender Average Annual Rate
Female $2,056
Male $2,052
Single $1,966
Married $1,966
Divorced $2,052
Widowed $1,995

Learn more about how gender and marital status have on car insurance rates.



Long Beach auto insurance rates by violation history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Long Beach drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $3,472 per year versus the city average. A ticket for speeding results in an $838 rate hike, on average, while a DUI violation costs $3,365per year in insurance premiums.


AVERAGE LONG BEACH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Citation Average Annual Rate
DWI/DUI $5,417
Reckless Driving $5,523
At-fault Accident (damages less than $1,000) $2,060
At-fault Accident (damages greater than $2,000) $3,604
Speeding Ticket (16-20 mph over speed limit) $2,889

Learn more about citations' impact on your auto insurance rates.



Long Beach car insurance rates by credit score


A driver's credit level can be closely correlated with their auto insurance rates. In fact, Long Beach drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Long Beach, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year.


LONG BEACH CAR INSURANCE RATES BY CREDIT LEVEL
Credit Tier Average Yearly Rate
Very Poor $2,052
Fair $2,052
Good $2,052
Very Good $2,052
Exceptional $2,052

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What drives up car insurance rates in Long Beach?

Where you live in Long Beach affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Long Beach is no exception to the rule. From ZIP code 90808 to 90813, premiums rise by 16 percent—that’s $238.

Expensive Long Beach ZIP codes: 90805, 90802, 90747, 90746, 90813

Cheap Long Beach ZIP codes: 90808, 90803, 90815, 90814, 90822

Long Beach Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Long Beach, you can expect 33 rainy days with an annual rainfall of 12 inches. Long Beach is also known to experience earthquakes and wildfires.

33

Rainy Days a Year

12"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Long Beach

2
Major Highways
I-710 I-110 SR 1
2
Public Transit
LBT Bus Passport Bus

AquaLink

2
Toll Roads
SR 133 SR 73
2
Popular Day Trips
Redondo Idyllwild Palm Springs

Car Insurance Companies in Long Beach

21st Century Aegis AFI Alliance United Allied Allstate Arrowhead Aspire Advantage Aspire Savings Auto Club (AAA) Bristol West California Automobile Assigned Risk Plan California Capital Carnegie Century National Cinch Clearcover Dairyland Direct Auto Drive Insurance Esurance Farmers FIMC Foremost GEICO Grange Insurance Hippo Infinity Infinity RSVP Infinity Special Kemper Auto Kemper Preferred Liberty Mutual Mapfre Insurance Mendota Mercury MetLife Metromile MileAuto Multi-State National General Nationwide Progressive Safe Auto Safeco State Farm Stillwater Sun Coast The General The Hartford Titan Travelers Unitrin USAA Viking Workmen's Auto

Find Local Long Beach Agents

Noriyuki Marumoto

1559 W Willow St, Long Beach, CA 90810

HMBD Insurance Services, Inc.

3633 E Broadway Ste 200, Long Beach, CA 90803

Kelly Williams Insurance Agency, Inc.

4400 E Pacific Coast Hwy, Long Beach, CA 90804

2

$1,584

The average Long Beachers's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

253

That's equal to 253 cups of coffee or $634 in savings

See How Much You Can Save in Long Beach

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RECENT QUESTIONS

What if I filed a claim, decided I didn't want to go through with it, and hung up?

Unfortunately once you notify them of any sort of incident they will investigate it. You can check our State of Insurance report to get an average of the amount an accident will increase your rate by annually. If you experience a rate increase you can always shop around for a lower rate.
May 4, 2017 Long Beach, CA

How much car insurance coverage do I need and should I get umbrella insurance?

We generally recommend basing your liability needs on your assets. From the information you've given, I would say that maxing out your liability limits and getting an umbrella policy is probably a wise decision since you own your home and vehicles and have a high net worth.
Feb 11, 2020 Long Beach, CA

How do I get points on my license in CA?

To answer your first question, I wouldn't file a claim. Being the deductible is only a few hundred dollars, you would pay more in a rate increase after filing a claim than you would receive.
Jul 24, 2018 Long Beach, CA

Do I have to keep making my insurance payments for a vehicle getting repaired?

You should definitely make your scheduled payments. I would continuously try and contact them.
Jan 4, 2019 Long Beach, CA

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.