How Much Does Car Insurance Cost in Long Beach?
In Long Beach, it is imperative to save while insuring a vehicle because premiums in California are recognized for being pricey. They generally surpass the national average by $286. We've analyzed how car insurance rates in Long Beach compare to costs nationwide.
AUTO INSURANCE PREMIUMS: LONG BEACH VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Long Beach Car Insurance by Gender and Marital Status
Car insurance premiums in Long Beach are affected by driver traits such as gender and marital status. However, premiums for women tend to be only a bit more pricey than for men. Being married can save you approximately $80 per year compared to being single or divorced. Rates for those who are widowed are somewhat cheaper than rates for those who are single.
LONG BEACH CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Long Beach Car Insurance After an Accident or Moving Violation
Past accidents and violations can cost you in terms of car insurance rates. In Long Beach, those who are found at-fault in an accident pay 56% more per year to insure their vehicle. Typically, a DUI or reckless driving violation in Long Beach will cost you 183% more in car insurance premiums versus the city average of $1,866.
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 by Age
The most significant drop in premiums for Long Beach drivers happens when they reach their 20s. Once out of the teenage age bracket, they pay $4,218 less in premiums. While car insurance premiums for drivers in Long Beach will continue to decline through their 60s, they should anticipate to pay more when they hit 70. With rates of $6,948 on average, teenage drivers pay the most in car insurance premiums. Everyone loves to save money, and luckily for drivers in their 60s, they do just that! They have the smallest car insurance rates among any age group, with rates of $1,605 per year. Those in their 50s ($1,647) also have relatively low premiums.
LONG BEACH CAR INSURANCE PRICES BY AGE
* Credit score, while used in other states, is considered discriminatory in California and thus is 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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