Table of contents
How much is car insurance in Long Beach?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Long Beach | $61 |
| CA | $56 |
| United States | $79 |
You can see in the chart above that it's around $5 a month more expensive to insure your vehicle in Long Beach than it is in the rest of California.
If you're thinking of moving to Long Beach from out of state, you may still be in luck. The average monthly payment for the United States as a whole is about $18 more expensive than in Long Beach.
Keep in mind that these are the average auto insurance rates for Long Beach, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
But don't worry, we've broken down average rates for Long Beach residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | $176 |
| 18-24 | $91 |
| 25-34 | $58 |
| 35-44 | $54 |
| 45-54 | Not Enough Data |
| 55-64 | $50 |
| 65+ | $51 |
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay one and a half times as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may begin to creep back up a bit.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $61 |
| Female | $60 |
Car insurance rates for women are generally cheaper than they are for men. The price to insure your car in Long Beach, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $82 |
| Multiple Accidents | $87 |
| 1 Ticket | $72 |
| Multiple Tickets | $91 |
Your driving record can have a huge impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Long Beach, drivers with one accident on their record will experience rates around $72 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $82.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $55 |
| 2-3 Years | $65 |
| 4-5 Years | $57 |
| 6-7 Years | $62 |
| 8-10 Years | $62 |
| 11-14 Years | $61 |
| 15 Years or Older | $60 |
If you look at the first table above, the cheapest vehicles to insure in Long Beach are by and large trucks and vans.
Those with cars will see a monthly bill of about $61 a month, whereas those who drive SUVs can expect to see their bill come in around $64 per month.
For truck and van drivers, however, their monthly premium totals to about $56.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Long Beach, for example, the most expensive vehicles to insure are vehicles two-to-three years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $63 |
| Married | $55 |
| Divorced | $51 |
| Widowed | $48 |
Generally, car insurance is cheaper for married policy-holders. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
That difference ends up being about $8 a month for drivers in Long Beach.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $59 |
| Rent | $60 |
| Live with parents | $86 |
Another factor that comes into play is your housing situation. Renters can expect to pay about the same amount as those who own their own home in Long Beach. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Long Beach, CA
Recent trends in car insurance for Long Beach drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding when choosing your car insurance policy.
The rates for car insurance in Long Beach went up from 2016-2017, when they hit a high of $70. This pattern changed in 2018, when they began to decrease, and have continued on that road through the present, when policy premiums reached a low of $50 per month.
How does Long Beach compare to neighboring areas?
Why are car insurance rates in Long Beach different from other areas?
Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Regional regulations
- Total number of drivers
- Rate of car accidents
- Rate of crime
- Off-street parking accessibility
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Long Beach?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer plans in Long Beach.
Long Beach Insurance FAQs
What factors affect car insurance quotes in Long Beach?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Long Beach different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Long Beach?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Long Beach?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Long Beach or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.