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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Car insurance in Long Beach costs an average of $183 per month. Long Beach’s proximity to Los Angeles and its busy port contribute to higher traffic density, which can drive up insurance costs compared to smaller California cities.[1] Despite these factors, many insurance companies offer rates well below the citywide average.
The three companies offering the best rates in Long Beach are USAA, National General, and Sun Coast, with USAA offering the cheapest average liability rate among them.
This article covers the cheapest insurers in Long Beach for various driver types, how to pick the right company for your needs, and practical tips to save money on your car insurance.
USAA offers the cheapest average rates in Long Beach, at $94 per month.
Liability-only coverage averages $117 per month in Long Beach, while full coverage costs $249.
California requires all drivers to purchase at least 30/60/15 in liability limits to legally drive in the state.[2]
Even with higher-than-average rates in Long Beach, you can still find affordable coverage from several insurers that offer prices below the citywide average.
The table below shows the most affordable insurance companies in Long Beach, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $94 |
| National General | $110 |
| Sun Coast | $118 |
| Root | $119 |
| Mercury | $126 |
| Anchor | $127 |
| Dairyland | $129 |
| Allstate | $130 |
| Farmers | $133 |
| Direct Auto | $136 |
| GEICO | $142 |
| State Farm | $145 |
| Travelers | $152 |
| Bristol West | $155 |
| 21st Century | $166 |
| Nationwide | $204 |
USAA tops our list as the cheapest insurer, with an average monthly rate of $94. The following sections break down the cheapest companies for different driver profiles and coverage types.
Your personal rates can vary dramatically based on factors like your age, driving record, and address. Comparing quotes from insurers offering affordable rates for drivers with similar backgrounds will help you find the best deal.
The following breakdown shows the cheapest companies for various driver types and coverage levels, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $94 |
| Full coverage | Anchor | $196 |
| Teens | USAA | $176 |
| Seniors | USAA | $78 |
| Drivers with a speeding ticket | USAA | $114 |
| Drivers with an at-fault accident | USAA | $113 |
| Drivers with a DUI | USAA | $144 |
In the following sections, we’ll break down each driver category in more detail.
Policies in Long Beach start as low as $94 per month.
Minimum coverage in Long Beach averages $117 per month, according to Compare.com data. Most insurance experts recommend buying more than the state’s minimum requirements because these limits often aren’t enough to cover serious accidents or expensive vehicles.[3]
If you need bare-bones coverage that meets California’s minimum requirements, the chart below highlights the five cheapest companies available, according to our research.
Full-coverage insurance protects your vehicle from damage, theft, and weather-related incidents that liability won’t cover. It typically includes comprehensive and collision insurance in addition to the state’s minimum liability requirements.
Most drivers should consider full coverage for the best coverage and protection. Plus, if lenders and leasing companies require you to buy full coverage if you finance or lease your car.[4] Full coverage in Long Beach averages $249 per month, and several insurers offer it for close to the average liability price in the city.
Our data shows five insurers that offer the most competitive full-coverage rates in Long Beach.
If you’re a teen driver or have one on your insurance policy, you’ll pay higher rates. Car insurance for younger drivers is often the most expensive due to their lack of driving experience and because this group causes more accidents than older drivers.[5] Nationwide, the average teen pays nearly double what someone 20 or older pays for the same coverage, according to our data.
Teens in Long Beach pay an average of $355 per month, but you can still find affordable options if you’re a teen driver or adding one to your policy.
Below, you’ll find the five most budget-friendly insurers for teenage drivers in Long Beach, according to Compare.com data.
Senior drivers typically enjoy the lowest insurance rates of any age group, thanks to decades of driving experience and more cautious driving habits compared to younger drivers.[6] Older drivers in Long Beach pay an average of $163 per month, according to Compare.com data, but you can likely find even better deals from several companies.
The following chart highlights five companies with the cheapest rates for seniors in Long Beach.
Getting a traffic ticket may not seem like a big deal, but it can lead to a premium increase when your policy renews. Insurers view tickets as indicators of risky driving behavior.[7] Our research shows even a single speeding ticket causes average rates to jump by 37% nationwide.
Drivers with a recent ticket in Long Beach pay an average of $220 per month for insurance, according to Compare.com data.
Our data shows several insurers offer more affordable options. Check out the companies below for the cheapest coverage after a ticket in Long Beach.
Causing a car crash can cause your auto insurance rates to jump substantially because it signals to insurers that you’re more likely to file claims in the future. In fact, a single at-fault accident causes average rates to increase by 41% nationwide.
Drivers in Long Beach with a recent accident pay an average of $211 per month, according to Compare.com data.
To get a better rate in Long Beach after an accident, get quotes from the insurers in the chart below.
A DUI conviction will cause your car insurance rates to skyrocket. Our research shows average rates increase by 61% nationwide after a DUI conviction.
In addition to dealing with higher insurance rates, a DUI can make it difficult to find coverage. Some insurers won’t offer policies to drivers with recent DUI convictions. Fortunately, some insurers specialize in high-risk drivers, including drivers with a recent DUI.[8]
Long Beach drivers with a DUI conviction pay an average of $295 per month, according to our data.
But you won’t have to pay expensive car insurance rates forever. Check out the five insurers offering the lowest rates for drivers with DUI convictions in Long Beach, according to Compare.com data.
Compare personalized quotes from Long Beach’s top insurers.
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California requires all drivers to maintain car insurance, like nearly every other state. Here are the specific coverage requirements you’ll need to meet:
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $15,000 per accident
You also have the option of buying uninsured/underinsured motorist coverage, since insurers must offer it in California. Remember to keep proof of financial responsibility with you at all times in case you get into an accident, need to show it to an officer, or renew your car registration.
For most drivers, minimum coverage won’t provide adequate protection, especially if you personally experience car damage or an injury. Most insurance experts recommend buying coverage above California’s minimum limits because these amounts often won’t cover the full cost of serious accidents.
Consider if you were to cause an accident involving a luxury vehicle worth $80,000. California’s $15,000 property damage minimum would leave you personally responsible for $65,000 in repairs — far more than most people can afford to pay out of pocket.
Remember, lenders require comprehensive and collision coverage if you finance or lease your car.
If you still have questions about auto insurance, we’ve answered some of the most common questions drivers ask about coverage in Long Beach.
Our data shows that Long Beach drivers pay an average of $183 per month for car insurance. Drivers pay about $117 per month for liability coverage and $249 for full coverage.
Yes. For context, the average rate in Long Beach is $183 per month compared to the national average of $149, according to our research. That said, whether car insurance in Long Beach is expensive for you depends on your driving history, age, address, and other personal factors
USAA offers the cheapest car insurance in Long Beach, with an average rate of $94 per month, according to our data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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