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 Average||State Average||National Average|
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
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/Incident||Average Annual Premium|
|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/Gender||Average Rate|
* 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.
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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