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.

33

Rainy Days a Year

12"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Long Beach

Major Highways
I-710 I-110 SR 1
Public Transit
LBT Bus Passport Bus AquaLink
Toll Roads
SR 133 SR 73
Popular Day Trips
Redondo Idyllwild Palm Springs

Car Insurance Companies in Long Beach

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

$1,584

The average Long Beachers's annual cost of coverage

40%

Our customer's average savings after comparing insurance

253

That's equal to 253 cups of coffee or $634 in savings

See How Much You Can Save in Long Beach

Click below to get free quotes in seconds!

Start Saving Now!
Additional Resources:

Long Beach Car Insurance

5 Winter Driving Hacks & Habits That Are Actually Illegal
5 Winter Driving Hacks & Habits That Are Actually Illegal
Dec 16, 2017

As nice as drinking hot beverages and sitting by the fire can be, winter definitely has its downsides, and driving...

7 Spooky Halloween Road Trips to Creep You Out
7 Spooky Halloween Road Trips to Creep You Out
Sep 29, 2017

Forget pumpkin spice – bring on scary movie season! As the weather starts to cool and leaves begin to turn,...

How to Protect Yourself and Your Home Against Wildfires
How to Protect Yourself and Your Home Against Wildfires
Aug 21, 2017

Ever used the expression “spread like wildfire?” Fire is an incredible force of nature, and while it has its uses...

Ask the Experts: Credit Score vs. Credit Report (and More)
Ask the Experts: Credit Score vs. Credit Report (and More)
Jul 31, 2017

Credit is an important measurement of our overall financial health. It plays huge part in how much we pay in...

Smart Cities: How the Internet of Things is Changing Urban Areas
Smart Cities: How the Internet of Things is Changing Urban Areas
Jun 14, 2017

A trend is spreading in cities all across the world: every day, more and more people just keep moving in....

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Zipcar vs. car2go: Which Car Sharing Service is King?
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017

Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...

Driverless Car Report Card: Who Should Get Top Grades?
Driverless Car Report Card: Who Should Get Top Grades?
Apr 24, 2017

The big-name tech companies and auto manufacturers that we know are developing driverless cars have kept many details about their...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

Buying a Vehicle with Your Tax Return? Here’s What You Need to Know
Buying a Vehicle with Your Tax Return? Here’s What You Need to Know
Feb 16, 2017

It’s officially tax season which of course means a lot of paperwork, searching for receipts, and trying not to toss...

The Death of the Taxi Driver (Profession)
The Death of the Taxi Driver (Profession)
Feb 13, 2017

There’s no doubt rideshare companies — Uber, Lyft, and the like — are impacting traditional taxi and car service companies. Even though...

Uber’s Latest: Should Driverless Cars Require Voter Approval?
Uber’s Latest: Should Driverless Cars Require Voter Approval?
Feb 09, 2017

Driverless vehicle technology isn’t ready for the mainstream public, but it’s getting there: automakers and technology giants across the world...

When Is It Worth It to Pay for More Liability Coverage?
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016

Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...

How Long Does a Ticket Stay on Your Driving Record?
How Long Does a Ticket Stay on Your Driving Record?
Nov 17, 2016

We’ll start with the bad news: your driving record is forever. Any conviction for a speeding ticket or other moving...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Are School Buses Even Safe?
Are School Buses Even Safe?
Nov 04, 2016

Each day, parents of 25 million American children watch them board a big yellow school bus. That’s more than half...

Should the Government Require Regular Driving Tests?
Should the Government Require Regular Driving Tests?
Oct 03, 2016

 Most drivers in the U.S. seek their driver’s licenses at a young age. In teens’ minds, driving means freedom, so...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

50 Research-Based Tips to Save on Car Insurance
50 Research-Based Tips to Save on Car Insurance
Aug 08, 2016

Finding the right car insurance can be frustrating and complex — no thanks to varying state coverage requirements and overhyped...

Answering Every FAQ About Driverless Cars
Answering Every FAQ About Driverless Cars
Jul 27, 2016

Driverless cars—also called an autonomous vehicles—are all over the news. Although we keep hearing about them, there’s still tons of confusion over...

Green Car Shopping: Electric Vs. Fuel Cell Vehicles
Green Car Shopping: Electric Vs. Fuel Cell Vehicles
Mar 22, 2016

Already considering “going green” for your next car? Fist bump to you, friend. Now comes the part where you have...

Bow-OW! Do You Need Car Insurance for Your Pet?
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016

Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...

Can Driverless Cars Handle the Elements?
Can Driverless Cars Handle the Elements?
Mar 07, 2016

Human drivers have enough trouble in bad weather: we need to look no further than the most recent massive winter...

The Wrath of El Niño
The Wrath of El Niño
Feb 19, 2016

The 2015-2016 El Niño has been dubbed “Godzilla El Niño” by weather experts—and with good reason. Just like the giant...