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|
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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 companies 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|
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|
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|
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|
|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|
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|
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.
Rainy Days a Year
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The average Long Beachers's annual cost of coverage
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