Long Beach, NY Car Insurance

The average monthly cost for car insurance in Long Beach is about $146. To learn more about what you're likely to pay in the Long Beach area, read our guide below.
How does Long Beach compare to the surrounding area and the rest of New York? What can Long Beach residents expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Long Beach?

Area Average Monthly Car Insurance Premium
Long Beach$146
NY$198
United States$80

Compared to the rest of the New York, coverage in Long Beach is about $52 a month cheaper.

On the other hand, drivers in Long Beach may pay higher rates than the rest of the country. The cost of insuring a vehicle in Long Beach is about $66 more expensive than the average rate for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Long Beach, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

We've done the heavy lifting for you and broken down the average rate for Long Beach so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$241
25-34$150
35-44$135
45-54Not Enough Data
55-64$135
65+$121

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay $120 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may begin to go back up in Long Beach.

Average Car Insurance Rates by Gender

Gender Average
Male$157
Female$121

On average, female drivers pay slightly less for car insurance than their male counterparts. In Long Beach, the difference comes out to about $36 per month. As you can see in the table above, male drivers in the area typically pay $157 on average, while female drivers typically pay $121 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$185
Multiple Accidents$157
1 Ticket$179
Multiple Tickets$198

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Long Beach, a driving record with one accident will usually get you a rate around $185 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $179.

Accidents, tickets, and other driving infractions can really hurt your wallet. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$110
2-3 Years$176
4-5 Years$193
6-7 Years$140
8-10 Years$137
11-14 Years$119
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.

Car owners can expect to pay an average of around $149 a month for their policy, while SUVs usually cost around $142 a month to insure.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. 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
Married$143
Divorced$110
Widowed$95

More often than not, people who are married will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something 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
Own$146
Rent$151
Live with parents$121

One other element taken into consideration is your housing status. Renters can expect to pay around $5 a month more than those who own their own home in Long Beach. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

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 selecting an auto insurance policy.

In Long Beach, the rates for car insurance had been decreasing from 2016-2017, before steadying out in 2018. Car insurance rates finished down in 2021, at $116 a month

How does Long Beach compare to neighboring areas?

Why are car insurance rates in Long Beach different from other areas?

There are several factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Local laws
  • Road Safety (how many accidents each locality has)
  • Number of drivers in the region
  • Access to off-street parking
  • Area crime rates

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. 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?

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.

But wait! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing plans in Long Beach.

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Long Beach Insurance FAQs

What factors affect car insurance quotes in Long Beach?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Long Beach different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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 time, regardless of how long is left on your current policy. So, if you've recently moved to Long Beach or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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