How Much Does Car Insurance Cost in Long Beach?
Long Beach premiums, which are 9% higher than the state average, are recognized for being expensive. So saving while insuring a vehicle in Long Beach is crucial. Let's compare car insurance costs in Long Beach versus premiums across the nation.
CAR INSURANCE PRICES: LONG BEACH VS. US/STATE AVERAGES
|City Average||State Average||National Average|
Long Beach Auto Insurance by Gender and Marital Status
In Long Beach, marital status and gender can have an effect on your auto insurance premiums. You can save approximately 4% per year if you're married as opposed to single. Rates for those who are widowed are moderately cheaper than rates for those who are single. Premiums for men and women tend to differ a bit, with men paying less.
LONG BEACH CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Long Beach Car Insurance With Accidents or Violations
Maintaining a flawless driving record is key if you want to keep your premiums low. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving offense in Long Beach have rates nearly triple the average for the city ($1,866). No one plans on being in an accident, but life happens, so be aware of what one can do to your rates. If you are found at-fault in an accident in Long Beach, you can expect your annual car insurance premiums to grow by 56%.
AVERAGE LONG BEACH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$2,908|
|At-fault Accident (damages greater than $2,000)||$2,908|
|Speeding Ticket (16-20 mph over speed limit)||$2,531|
Long Beach Car Insurance Rates by Driver Age
When drivers reach their 20s in Long Beach, therefore moving out of the teenage age bracket, they reduce their premiums by $4,218, which is the biggest difference you'll see between any age group. In Long Beach, turning 70 means a rise in insurance rates. Up until then, transitioning between age groups means decreasing prices. Teenage drivers have the highest rates of any age group. They pay around $6,948 on car insurance premiums. When you look across all age groups, drivers in their 60s tend to have the lowest car insurance premiums. Their rates typically average $1,605 per year. Those in their 50s ($1,647) also have relatively low premiums.
LONG BEACH AUTO INSURANCE PRICES BY DRIVER AGE
* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance.
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
The average Long Beachers's annual cost of coverage
Our customer's average savings after comparing insurance
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Long Beach Car Insurance
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