Cheapest Auto Insurance in Long Beach, California (2024)
Mile Auto offers the cheapest car insurance in Long Beach, with minimum-coverage policies as low as $65 per month.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated October 30, 2024
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Table of contents
Long Beach, California, drivers pay an average of $307 per month for full-coverage car insurance, which is on par with the state’s average rate of $296 per month. But Long Beach drivers still pay lower average rates than drivers who live in Los Angeles, despite its proximity to L.A.
Because insurance companies consider accident rates in cities, Long Beach's lower traffic injury and fatality rates, compared to Los Angeles, may contribute to the city’s lower car insurance premiums.[1]
Long Beach drivers may be able to lower their car insurance rates even more by comparing quotes, looking for discounts, and bundling policies.
Quick Facts
Mile Auto, Sun Coast, and Mercury have the cheapest car insurance in Long Beach.
Long Beach drivers pay an average of $3,689 per year for full-coverage car insurance.
The overall average rate of $230 per month in Long Beach is higher than the overall national average of $158 per month.
3 of the cheapest car insurance companies in Long Beach
Finding the ideal car insurance company in Long Beach involves careful consideration of your personal requirements and situation rather than choosing the cheapest policy. Factors such as your driving history, vehicle type, and coverage preferences can influence the rates you get from different companies.
To help you in the insurance-shopping process, here are some of the best car insurance companies in Long Beach.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Mile Auto | 7.5 | $112 | $60 | Low-mileage drivers |
| Clearcover | 6.8 | $137 | $67 | Digital policy management |
| Travelers | 9.0 | $399 | $200 | Full coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $120/mo |
4.1
Best choiceBased on 50 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
If you don’t drive frequently, Mile Auto is a standout choice. Its pay-per-mile insurance model offers substantial savings of 30% to 40% on current premiums, making it an attractive option for low-mileage drivers. But some customers may find its lack of customizable coverage and mobile app policy management disappointing.
Pros
Low-mileage savings
No in-car telematics device requirements
Cons
Doesn’t offer a mobile app
Limited additional coverage options
Best insurer for digital policy management: Clearcover
| User Reviews | 3.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $94/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $179/mo |
3.3
A solid optionBased on 48 verified guest reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (35)
Catherine
October 22, 2024
Verified Review
Great Customer Service
My premium increased by $70 due to an auto accident.
Brett
October 12, 2024
Verified Review
Unexpected Rate Increases
Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.
Richard
October 7, 2024
Verified Review
T.B.
Too expensive for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
In addition to its affordability, Clearcover sets itself apart by offering a seamless customer experience. Policyholders can obtain a personalized quote swiftly, thanks to its streamlined quote process. Furthermore, its claims process is incredibly efficient, with an average filing time of just seven minutes.
Pros
Efficient claims process
Offers mobile app for digital policy management
Cons
Doesn’t have other insurance products for bundling
Limited discounts
Best insurer for full coverage: Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $203/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $419/mo |
4.7
Best choiceBased on 745 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (381)
Vicki
October 27, 2024
Verified Review
Good but Costly
I had a great experience with Travelers and would still be with them, but I got a better rate with another company.
Nancy
October 23, 2024
Verified Review
Not Great by Any Means
Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.
Birdie
October 21, 2024
Verified Review
Expensive
I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Travelers offers convenience and a solid car insurance product. You can rely on Travelers to cover expenses for car repairs, property damage, medical bills, and more. Travelers also offers liability coverage, roadside assistance, and gap insurance. The company provides ways to save through various discounts.
Pros
Offers gap insurance and roadside assistance
Has multiple discounts and bundling opportunities
Cons
Below-average J.D. Power claims satisfaction rating
Rideshare insurance not available in California
How to get the cheapest car insurance in Long Beach
If you want to save money on car insurance in Long Beach, you may have to do a little legwork. Keep these tips in mind as you shop quotes from different insurers:
Prioritize safe driving. By adhering to traffic laws, avoiding accidents, and steering clear of violations, you can maintain a clean driving record, which can positively affect your insurance rates.
Compare different companies. Remember, the goal isn’t just to find cheap car insurance in Long Beach, but to find the right policy at the best price. Since insurance companies offer different rates to drivers, it’s crucial to compare quotes from multiple insurance companies to find the most suitable deal.
Explore available discounts. Many insurance companies offer discounts for different things, such as good grades, low mileage, or specific safety features in your vehicle, that you or your family members may qualify for. Additionally, you may be able to get a discount when you bundle a home insurance policy with an auto policy.
Find Cheap Car Insurance in Long Beach
Liability rates start at $65 per month
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Cheapest liability-only car insurance in Long Beach: Mile Auto
If you want the cheapest car insurance you can qualify for, consider a liability-only policy, which offers coverage to pay for other parties’ injuries and property damage when you cause an accident. But this type of coverage doesn’t extend to your own medical bills or vehicle repair costs.
Liability insurance in Long Beach costs an average of $153 per month.
Here are some of the cheapest car insurance companies for liability-only policies in Long Beach.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $65 |
| Sun Coast | $81 |
| Mercury | $102 |
| Anchor | $108 |
| USAA | $126 |
| National General | $142 |
| GEICO | $167 |
| Direct Auto | $168 |
| Allstate | $174 |
| Farmers | $178 |
| State Farm | $193 |
| Travelers | $203 |
| 21st Century | $220 |
| Bristol West | $242 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Long Beach: Mile Auto
Liability-only car insurance in California covers the damages and injuries you cause to others. For people looking for additional protection, full-coverage car insurance typically includes liability, comprehensive, and collision coverages — adding coverage for damages to your vehicle, even if you’re at fault in an accident.
Long Beach drivers pay an average of $307 per month for full-coverage car insurance.
If you’re looking for affordable full-coverage policies in Long Beach, start your search with the cheapest companies below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $120 |
| Mercury | $190 |
| Sun Coast | $239 |
| Anchor | $253 |
| USAA | $259 |
| GEICO | $346 |
| National General | $346 |
| Allstate | $358 |
| Farmers | $368 |
| Direct Auto | $397 |
| State Farm | $399 |
| Travelers | $419 |
| Bristol West | $452 |
| 21st Century | $456 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Long Beach, California
Drivers in and around Long Beach, California have found policies from Mercury, Farmers, National General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Long Beach, California within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Long Beach, California within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in California
Like in many other states, California requires drivers to carry car insurance coverage that meets the state’s minimum requirement. California’s minimums are known as 15/30/5, which translates to the following coverages:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 per accident |
Important Information
California liability limits are increasing on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[3]
Although you can drive legally by purchasing liability-only coverage at California’s required limits, you may want more protection that covers more situations. Consider maximizing your auto policy’s protection with these optional coverages:
Comprehensive coverage
Comprehensive coverage pays for damages caused by non-collision events, including fire, vandalism, theft, falling objects, and natural disasters, including floods, wildfires, and earthquakes.
Collision coverage
Collision insurance covers repairs for damages from collisions with other vehicles or objects, regardless of fault. It can also pay for rollover accidents and pothole damage.
Glass coverage
Glass coverage includes coverage for windshield and glass damages, with select policies offering zero-deductible coverage for side windows, rear windows, and glass sunroofs.
Gap coverage
Especially beneficial for financed or leased vehicles, gap insurance covers the difference between your auto loan balance and the insurance settlement in the event of a total loss.
California’s low-cost auto insurance program
California’s Low Cost Automobile insurance program (CLCA) provides affordable options for drivers amid rising rates. The program offers car insurance coverage with annual premiums ranging from $232 to $932, depending on the county.
To qualify for the program, drivers must meet specific criteria, including:
Holding a valid California driver’s license
Meeting income eligibility requirements
Owning a vehicle valued at $25,000 or less
Being at least 16 years old
Maintaining a good driving record or being a new driver
The program’s auto insurance satisfies the state’s minimum liability requirements. Additionally, drivers have the choice to enhance their coverage by adding medical payments and uninsured/underinsured motorist coverage for an extra cost of $37 to $107 per year. Interested drivers can apply for the program online through MyLowCostAuto.com.
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Learn More: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
For drivers with a history of incidents like speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations, finding affordable car insurance is a top priority. These incidents often lead to increased insurance premiums for several years, as they signal a greater chance of future claims to car insurers.
But it’s still possible to find affordable coverage despite having a less-than-perfect driving record.
Shop for Car Insurance in Long Beach, CA
Monthly rates start at $80 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Operating a vehicle above the speed limit is a hazardous practice that can have detrimental consequences for your own safety and the well-being of others. For example, in 2021, Long Beach reported more than 300 fatalities and injuries from speed-related crashes.[1] Having a speeding ticket on your driving record will likely lead to increased auto insurance premiums when compared to maintaining a clean record.
People in Long Beach with a speeding ticket pay an average of $201 per month for liability coverage and $403 per month for full coverage.
The table below shows the cheapest companies for drivers with a speeding ticket in Long Beach, California, and how rates compare to those for drivers with a clean record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Mile Auto | $65 | $84 |
| Sun Coast | $81 | $106 |
| Mercury | $102 | $137 |
| Anchor | $108 | $134 |
| USAA | $126 | $157 |
| National General | $142 | $178 |
| GEICO | $167 | $208 |
| Direct Auto | $168 | $209 |
| Allstate | $174 | $217 |
| Farmers | $178 | $221 |
| State Farm | $193 | $238 |
| Travelers | $203 | $255 |
| 21st Century | $220 | $284 |
| Bristol West | $242 | $302 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
Having an at-fault accident on your driving record often results in an increase in auto insurance premiums through a surcharge that your insurer will add to your premium for several years. Insurance companies raise rates to offset potential financial risks associated with future accidents and claims.[4] And too many accidents on your record may cause your insurance company to not renew your policy at the end of the term.
Long Beach drivers with an accident on their record pay $186 per month for liability insurance and $373 per month for full-coverage insurance, on average.
Here’s a look at the cheapest car insurance companies for drivers with an at-fault accident in Long Beach.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Mile Auto | $65 | $85 |
| Sun Coast | $81 | $98 |
| Mercury | $102 | $135 |
| Anchor | $108 | $144 |
| USAA | $126 | $156 |
| National General | $142 | $177 |
| GEICO | $167 | $207 |
| Direct Auto | $168 | $212 |
| Allstate | $174 | $215 |
| Farmers | $178 | $219 |
| State Farm | $193 | $237 |
| Travelers | $203 | $253 |
| 21st Century | $220 | $280 |
| Bristol West | $242 | $297 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Mile Auto
Driving under the influence is a grave offense that carries heavy consequences, including considerably higher car insurance premiums. In California, a DUI conviction will result in an SR-22 insurance filing requirement with the state, signifying to insurers that you’re a high-risk driver. Insurance companies view a DUI history as a substantial financial liability and often adjust premiums accordingly. If you're convicted of a DUI, your insurer may even cancel your policy mid-term, or decide not to renew it when the current policy term ends.
Liability coverage costs an average of $217 per month for Long Beach drivers with a DUI on their record. Full-coverage policies increase to an average of $435 per month.
If you have a DUI on your record, consider the following insurers in Long Beach that offer the cheapest average monthly quotes.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Mile Auto | $65 | $100 |
| Sun Coast | $81 | $115 |
| Mercury | $102 | $142 |
| Anchor | $108 | $147 |
| USAA | $126 | $193 |
| National General | $142 | $218 |
| GEICO | $167 | $256 |
| Direct Auto | $168 | $258 |
| Allstate | $174 | $267 |
| Farmers | $178 | $273 |
| State Farm | $193 | $296 |
| Travelers | $203 | $311 |
| 21st Century | $220 | $337 |
| Bristol West | $242 | $371 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Mile Auto
Age plays a major role in car insurance rates, with a usual trend of decreasing premiums as drivers acquire more experience and reach their mid-20s.
Once drivers reach 70 years old, premiums might slightly increase due to increased accident risks.[5] But senior drivers tend to pay lower premiums, on average, compared to other age groups because of their years of experience and fewer miles driven in retirement.
Senior drivers in Long Beach pay a monthly average of $273 for full-coverage car insurance.
For senior drivers in Long Beach, here are the auto insurance companies that offer some of the most competitive average monthly quotes.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $95 | $51 |
| Mercury | $153 | $82 |
| Anchor | $203 | $87 |
| Sun Coast | $213 | $72 |
| USAA | $215 | $105 |
| National General | $277 | $114 |
| GEICO | $287 | $139 |
| Allstate | $299 | $145 |
| Farmers | $300 | $145 |
| Direct Auto | $323 | $137 |
| State Farm | $323 | $156 |
| Travelers | $342 | $166 |
| 21st Century | $355 | $171 |
| Bristol West | $377 | $202 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Mile Auto
Car insurance rates for teenagers are more expensive compared to older drivers due to their lack of experience on the road and heightened risk factors.[6]
Teen drivers in Long Beach pay $230 per month for a minimum-coverage policy, on average.
If you’re a teen driver in Long Beach, one effective method for finding affordable car insurance is to remain on a parent’s insurance policy, as this often results in lower premiums. And if you're younger than 18, you won't be able to buy your own policy unless your parent or guardian gives written permission.
Additionally, look for car insurance companies that offer student-specific discounts, like a good grades discount, student-away-at-school discount, and a discount for completing teenSMART, a widely available driver education course designed to help teens practice safe driving habits and reduce their risk of getting into an accident.
The table below shows the cheapest car insurance companies for Long Beach teen drivers with their own insurance policies.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $218 | $118 |
| Mercury | $319 | $171 |
| Sun Coast | $360 | $122 |
| USAA | $401 | $195 |
| Anchor | $404 | $173 |
| GEICO | $507 | $245 |
| Allstate | $590 | $287 |
| Farmers | $601 | $291 |
| State Farm | $633 | $306 |
| National General | $640 | $263 |
| Direct Auto | $675 | $286 |
| Travelers | $706 | $342 |
| Bristol West | $710 | $380 |
| 21st Century | $714 | $345 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Long Beach?
The average cost of full-coverage car insurance in the U.S. is $211 per month, and in California, it’s $296. In Long Beach, drivers pay slightly more per month, on average.
Insurance rates can vary significantly depending on the ZIP code, and factors like weather, crime, and traffic conditions can also affect rates.
More cities in California
While car insurance rates in Long Beach are generally higher compared to many other cities in California, some exceptions exist. Cities like Los Angeles, which has a larger population and more traffic congestion, typically have higher average car insurance costs.
The following table shows average monthly quotes in some other major cities in California.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Bakersfield | $256 | $117 |
| Fresno | $252 | $128 |
| Los Angeles | $369 | $203 |
| Modesto | $290 | $133 |
| Oakland | $309 | $155 |
| Sacramento | $310 | $140 |
| San Diego | $252 | $120 |
| San Francisco | $338 | $150 |
| San Jose | $276 | $128 |
| Stockton | $303 | $128 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Long Beach car insurance FAQs
Below are Insurify’s answers to common questions about car insurance in Long Beach. You can also check out Insurify’s guide on switching car insurance if you find a new company you want to switch to.
How much is car insurance in Long Beach?
The average cost of car insurance in Long Beach is $153 per month for liability-only coverage and $307 per month for full coverage.
What companies have the cheapest insurance in Long Beach?
Mile Auto has the cheapest car insurance in Long Beach, with monthly liability rates as low as $65. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $81 and $102.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Long Beach?
A few of the best car insurance companies in Long Beach include Clearcover, Mile Auto, and Travelers. These auto insurers offer coverage options to meet different needs, like digital policy management, full-coverage car insurance customization, or usage-based insurance.
But the best insurer for you may not be the one that’s best for someone else. Always compare quotes from multiple insurance companies to find the one that offers the best rates for the coverage you need.
What types of coverage are available for car insurance in Long Beach?
Long Beach drivers can find plenty of coverage options for car insurance. Insurers in the city typically offer comprehensive, collision, medical payments, roadside assistance, gap coverage, and rental car reimbursement for drivers to customize their auto insurance policies.
Can auto insurers use your credit score to set rates in California?
No. California car insurance companies can’t use your credit score when underwriting policies.[7] This means that you won’t pay more for car insurance just because you have no credit history or a bad credit score.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in California
Sources
- California Office of Traffic Safety. "OTS Crash Rankings Results."
- California Department of Motor Vehicles. "Insurance Requirements."
- California Legislative Information. "SB-1107 Vehicles: insurance."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Federal Trade Commission. "Credit-Based Insurance Scores."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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