Best Auto Insurance Rates in Long Beach, California

Compare Auto Insurance in Long Beach

Wednesday, May 9 2018 By Larry Canonica

Long Beach, California is known for many things: shipping, oil, the aquarium, The Queen Mary, and The Grand Prix, just to name a few. Long Beach is the birthplace of Snoop Dogg, DeSean Jackson, Billie Jean King, and Tony Gwynn, most of which attended Long Beach Poly. Whether you’re a MLB fan, a NFL fan, a tennis fan, or a rap fan, you’ll need the cheapest car insurance you can get.

Average Long Beach Car Insurance Rates

How much is car insurance in Long Beach, CA? It should be no surprise to residents that the high accident rate and crime rate means average rates in Long Beach are higher than both the state and national averages. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.

Prices may vary depending on your zip code and the total number of claims filed.

California Average Annual Car Insurance Rates

Coverage	Rates
Liability	$489.66
Collision	$396.55
Comprehensive	$100.54
Total Cost Per Year	$841.45
Price Per Month	$70.12

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

QuoteWizard helps Long Beach residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Long Beach, California and save up to 40% on your premium.

Last year, 8,227 people used QuoteWizard to compare auto insurance quotes in Long Beach, CA from different companies.

Top 10 Vehicles in Long Beach

These are the most common car makes and models owned by Long Beach drivers requesting quotes through QuoteWizard last year.

Best Car Insurance Companies in Long Beach

This is our list of the most common car insurance companies reported by QuoteWizard users living in Long Beach, CA last year.

Other popular Long Beach, California car insurance companies: Liberty Mutual, Nationwide, Safeco, USAA, Hartford, Country Financial, California Farm Bureau, Travelers, and Wawanesa Mutual.

Long Beach Drivers

According to a recent report published by Allstate Insurance when it comes to safe driving, Long Beach, CA ranked 155th out of 200 cities. While most US drivers go ten years without having an accident, Drivers here are involved in crashes every 7.5 years, well above the national average.

Driving Conditions

Factors that can influence insurance rates include local driving conditions.

Weather

The climate of Long Beach has the characteristics of both the Mediterranean and desert. Thanks to the Palos Verdes Peninsula and its high hills, this city is much drier than other nearby coastal communities. Very little rain falls here with nearly all of it falling between December and March. Precipitation average just 12.26 inches a year and it never gets cold enough to snow.

Road Conditions

The condition of Long Beach roads is a major concern for area drivers. Los Angeles County roads received a Pavement Condition Index (PCI) score of 60 where 100 would be perfect and zero is unacceptable. According to a recent study by TRIP, 60% of the roads here are in poor condition costing city residents $892 a year in extra vehicle operating costs.

Traffic Congestion

TomTom's annual traffic index report ranks the Long Beach metropolitan area, which includes Los Angeles, as having the worst traffic congestion in the United States. The average commuter spends an additional 43 minutes per hour stuck in traffic during rush hour commutes and 164 hours a year for peak hour commutes of 30 minutes. Traffic data provider Inrix has created a traffic scorecard that ranks this city second for worst traffic congestion in the US. According to Inrix, local commuters wasted an average of 80 hours in traffic congestion last year.

Moving Violations

Moving violations like speeding, failure to yield, and drunk driving will give you a bad driving record and raise your rates.

Traffic Tickets

The Superior Court of California County of Los Angeles traffic website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Long Beach DUI insurance.

Traffic Fatalities

Long Beach experienced 38 deaths in motor vehicle crashes in 2013. This works out to a fatality rate of 1.28 per 100,000 residents. All traffic deaths are a tragic loss, but considering Long Beach’s estimated population of 470,130 this is a safe city in terms of traffic fatalities.

Vehicle Theft Rates

Long Beach Police recorded 2,877 vehicle thefts in 2016, a rate of 6.07 per 1,000 residents.

Legal Minimum Insurance Requirements

Long Beach, California drivers are required follow the 15/30/5 minimum liability coverage rule. This rule states that drivers must maintain policies that include at least:

• Individual Bodily Injury Liability (BIL): $15,000.
  The total insurance companies will pay for one person injured in a car accident.
• Total Bodily Injury Liability: $30,000.
  The total your insurer will pay for every person injured in a car accident.
• Property Damage Liability (PDL): $5,000.
  The most insurance carriers will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to Long Beach drivers. Get a quote to find out which discounts you may qualify for.

1. Drivers 55 and older can get the senior discount or the 55 and retired discount
2. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
3. Remove comprehensive coverage from your policy
4. Maintain at least a B average in school to get the good student discount
5. Keep your driving record clean with no tickets or accidents
6. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
7. Drive less. Live close to work to get the low mileage discount
8. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling your policies and vehicles under one policy can save you up to 15% off your premium
9. Take a defensive driving course from an accredited driving school
10. Shop around and compare low-cost Long Beach car insurance quotes and discover all the discounts you qualify for

Sources:

• Superior Court of California - County of Los Angeles - Traffic Division
• Long Beach California Crime Rates
• United States Census Bureau - Long Beach, CA
• National Highway Traffic Safety Administration
• TRIP Urban Roads Report Appendix A
• TRIP Urban Roads Report Appendix C

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