Best Auto Insurance Rates in Long Beach, California
On average your neighbors pay $70 a month.
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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.
| Coverage | Rates |
|---|---|
| Liability | $489.66 |
| Collision | $396.55 |
| Comprehensive | $100.54 |
| Total Cost Per Year | $841.45 |
| Price Per Month | $70.12 |
| Source: Facts + Statistics: Auto insurance | |
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 to find the lowest rates.
Best Car Insurance Companies in Long Beach, CA
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.
Top 10 Vehicles
These are the most common car makes and models owned by Long Beach drivers requesting quotes through QuoteWizard last year.
- Honda Accord EX/LX
- Honda Civic EX/LX
- Ford Mustang
- Ford F150
- Toyota Camry LE/XLE/SE
- Toyota Prius
- BMW 328i
- Ford Explorer
- Ford Ranger
- Toyota Corolla CE/LE/S
Minimum Car Insurance Requirements in Long Beach, CA
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.
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, 57 percent of the roads here are in poor condition. Another 22 percent are mediocre. The condition of local roads costs city residents $921 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 accidents give people bad driving records and higher rates. Drivers with lots of tickets can be put into a category called non-preferred. These drivers usually have to buy high-risk auto insurance
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.
Car Insurance Discounts
Are you looking for affordable 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, CA drivers.
- Drivers 55 and older can get the senior discount or the 55 and retired discount
- 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
- Maintain at least a B average in school to get the good student discount
- Keep your driving record clean with no tickets or accidents
- 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
- Bundle your auto policy with your homeowners, renters, or life insurance. Bundling your policies and vehicles under one policy can save you up to 20% off your premium
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
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