How Much Are Car Insurance Rates in Long Beach?


Premiums in Long Beach exceed the state average by 13%, which is why the city is recognized for its expensive premiums, so in Long Beach, it is imperative to cut costs while insuring a vehicle. We've analyzed how auto insurance rates in Long Beach compare to costs nationwide.


AUTO INSURANCE PREMIUMS: LONG BEACH VS. US/STATE MEAN
City AverageState AverageNational Average
$1,982$1,748$1,569


Long Beach Car Insurance Costs by Driver Age

The biggest reduction in premiums for Long Beach drivers happens when they reach their 20s. Once out of the teenage age bracket, people save an average of 60%. In Long Beach, turning 70 means a rise in premiums. Up until then, progressing between age groups means decreasing prices. At $1,707, drivers in their 60s have the smallest insurance premiums among any age group. People in their 70s and 50s have premiums that aren't much higher, with premiums of $1,718 and $1,754, respectively. Car insurance premiums are highest for teenage drivers, with typical payments of $7,258 per year.


LONG BEACH AUTO INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$7,258
20s$2,874
30s$1,948
40s$1,885
50s$1,754
60s$1,707
70s$1,718


Long Beach Auto Insurance by Violation or Accident History


A history of accidents and violations can cost you in terms of prices on car insurance. Typically, a DUI or reckless driving offense in Long Beach will cost you 180% more in car insurance premiums versus the city average of $1,982. For individuals in Long Beach with at-fault accidents in which damages exceeded $2,000, rates are an average of 62% more than at-fault accidents with damages less than $1,000.


AVERAGE LONG BEACH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Premium
DUI$5,549
Reckless Driving$5,549
At-fault Accident (damages less than $1,000)$1,982
At-fault Accident (damages greater than $2,000)$3,218
Speeding Ticket (16-20 mph over speed limit)$2,678


Long Beach Auto Insurance by Marital Status and Gender


Both marital status and gender are among the numerous driver characteristics that play a part in car insurance costs in Long Beach. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being single, as opposed to married, can cost you 5% more per year on car insurance. Premiums for men are normally a little cheaper than for women.


LONG BEACH CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,989
Male$1,982
Single$1,982
Married$1,894
Divorced$1,982
Widowed$1,903


* 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.


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.

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

Find Local Long Beach Agents

Kelly Williams Insurance Agency, Inc.

4400 E Pacific Coast Hwy Long Beach, CA 90804

HMBD Insurance Services, Inc.

3633 E Broadway Ste 200 Long Beach, CA 90803

Noriyuki Marumoto

1559 W Willow St Long Beach, CA 90810

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:

Long Beach Car Insurance

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.

Will my State Farm Car insurance cover the damages to a person's balcony if we hit it while driving a Uhaul?

Yes, your State Farm policy should cover the damages that you caused. That is what your liability coverage is for.

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.

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.