Table of contents
How much is car insurance in Long Beach?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $53 a month cheaper to insure your vehicle in Long Beach than it is in the rest of New York.
That being said Long Beach residents will likely pay higher rates to insure their vehicle than in the rest of the country. You can expect to pay about $65 more for your policy in Long Beach.
These rates may be the average amount Long Beach drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Long Beach and broken down the different factors to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Long Beach may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This is true in Long Beach, where women pay around $30 less per month. Based on the chart above, you can see that female drivers pay around $127 on average, while male drivers typically pay $157 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Long Beach, having a single accident on your record will usually get you rates around $185 a month. Likewise, drivers with one ticket will be looking at a rate of around $132 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$110|
|15 Years or Older||$185|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Long Beach, with drivers paying around $114 per month for insurance coverage.
SUV drivers will see rates of about $141, while the rates for car owners average out to about $150 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Long Beach, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$151|
Generally speaking, people who are married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The difference in rates based on relationship status in Long Beach can be as much as $8 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$121|
Your living situation is another component of how insurance companies calculate your monthly rate. Homeowners in Long Beach can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Long Beach, NY
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 choosing an insurance provider.
In Long Beach, car insurance rates increased from 2017-2018, when they hit a high of $193. Rates started to turn downward in 2021, and this pattern has continued through 2022, when rates have most recently reached $126.
How does Long Beach compare to neighboring areas?
Why are car insurance rates in Long Beach different from other areas?
There are a variety of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Crime levels
- Number of drivers in the region
- Community laws
- Number of car accidents
- Amount of off-street parking
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Long Beach?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Long Beach in no time.
Long Beach Insurance FAQs
What factors affect car insurance quotes in Long Beach?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, 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 crime rates, parking situations, and local laws -- 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?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Long Beach?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Long Beach or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.