What drives up car insurance rates in Long Beach?
Car Insurance in Long Beach
Premiums in Long Beach, which are 9% greater than the state average, are known for being costly. Therefore understanding premium costs while insuring a vehicle in Long Beach is vital. Let’s take a look at how to save on car insurance in Long Beach.
- City Average: $1,866
- State Average: $1,713
- National Average: $1,427
Long Beach Car Insurance by Age
Teenage drivers have the biggest premiums out of all the age groups, with car insurance payments of $6,948 on average. When you look across all age groups, drivers in their 60s tend to have the lowest car insurance premiums. Their rates usually average $1,605 per year. Those in their 50s ($1,647) have premiums that aren't much higher. The largest decrease in premiums for Long Beach drivers happens when they hit their 20s. Once out of the teenage age range, people pay 61% less in premiums. Rates for drivers in Long Beach continue to shrink through their 60s, but they can anticipate a change when they hit 70.
- Teenagers: $6,948
- 20s: $2,730
- 30s: $1,832
- 40s: $1,774
- 50s: $1,647
- 60s: $1,605
- 70s: $1,791
Long Beach Car Insurance by Accident or Violation History
Accidents and violations can cost you in terms of car insurance premiums. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. In Long Beach, drivers with either a DUI or reckless driving violation need to spend nearly triple the average for the city to insure their vehicle. For those in Long Beach with at-fault accidents, $1,042 is the increase that can be expected to annual insurance premiums.
- DUI: $5,285
- Reckless Driving: $5,285
- At-fault Accident (damages less than $1000): $2,908
- At-fault Accident (damages greater than $2000): $2,908
- Speeding Ticket (16-20 mph over speed limit): $2,531
Long Beach Car Insurance by Gender and Marital Status
In Long Beach, marital status as well as gender play a role in your car insurance premiums. Being married, as opposed to single, can save you an average of $81 per year on car insurance. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Females have premiums that are more pricey than those for males, but only by a narrow margin.
- Female: $1,872
- Male: $1,866
- Single: $1,866
- Married: $1,785
- Divorced: $1,866
- Widowed: $1,793
* Credit score is considered discriminatory in California and is therefore not used as a rating factor when companies determine how much you'll pay for auto insurance.
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
Be Prepared For
Driving in Long Beach
Major HighwaysI-710 I-110 SR 1
Toll RoadsSR 133 SR 73
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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