Best Long Beach, CA Auto Insurance in 2024 (Find the Top 10 Companies Here)

Geico, State Farm, and Farmers are the top picks for minimum coverage, making them the best Long Beach, CA auto insurance. Rates start at $50 per month.

California auto insurance requires all drivers to have 15/30/5 liability coverage, which is something to consider when looking for Long Beach car insurance.

Our Top 10 Company Picks: Best Long Beach, CA Auto Insurance

These are the best companies in Long Beach for total coverage premiums. Each insurer has something they are best at, which may benefit your needs and budget.

Check out our comparison tool above to find low-cost auto insurance in Long Beach, CA. Enter your ZIP code to get auto insurance quotes in seconds.

#1 – Geico: Best for Competitive Rates

Pros

• Competitive Rates: Geico offers some of the most affordable rates. Geico is always worth considering if you’re looking for cheap car insurance in Long Beach, CA.
• Easy to Use Mobile App: Geico’s app is highly rated because it is easy to use for customers. With it, you can access your policy and file claims anywhere in Long Beach, California, 24/7.
• Discounts: Geico offers discounts for Long Beach residents that can significantly reduce premiums and offer plenty of options. To learn more, read the Geico auto insurance review.

Cons

• Limited Local Agents: Geico’s direct approach to consumers means there are few local agents around Long Beach, California, so if you prefer a personal touch, Geico may not be for you.
• Higher Rates for High-Risk Drivers: Like most insurers, high-risk drivers will have higher car insurance quotes in Long Beach, CA. It’s best to find an insurer that specializes in poorer driving records.

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#2 – State Farm: Best for Local Agents

Pros

• Strong Local Agent Network: State Farm’s agent network is vast, making providing face-to-face service in Long Beach easy.
• Wide Range of Coverage Options: State Farm offers a variety of coverage options for flexibility in customizing policies. If you want to learn more, read the State Farm auto insurance review.
• Excellent Customer Service: State Farm receives high ratings for customer service. So, when you need to file a claim in Long Beach, rest assured that State Farm will hastily pay.
• Usage-Based and Safe-Driving Discounts: State Farm offers savings through its Drive Safe & Save™ and Steer Clear® programs, which reward good driving habits within Long Beach, CA.

Cons

• Higher Premiums: State Farm’s rates are often higher than those of other insurers offering discounts, which makes Long Beach’s higher average insurance costs noticeable.
• Mobile App Limitations: Although the State Farm app allows you to file claims, make payments, and track driving, its ease of use is worse than competitors’ apps in the Long Beach area.
• Agents May Handle Policy Changes: Though some find Long Beach local agents beneficial, others may prefer online handling for their policies over those handled locally.

#3 – Farmers: Best for Tailored Policies

Pros

• Various Coverage Options: The variety of coverage and extra add-ons allow you to customize your Long Beach auto insurance policy.
• Local Long Beach Agent Access: Many local agents are available in Long Beach, which is helpful if you value face-to-face service. Read the Farmers auto insurance review for more on their service.
• Straightforward Claims Processing: Farmers’ claims process is simple, so if you get into an accident in Long Beach, expect outstanding support.

Cons

• Mixed Customer Service Reviews: Although Farmers has a solid reputation, some users report mixed experiences with customer service in Long Beach, California.
• Fewer Discounts for Non-Standard Drivers: Some discounts will not apply to non-standard drivers, such as part-time drivers looking for the best Long Beach, CA, auto insurance.

#4 – Mercury: Best for Many Discounts

Pros

• Discount Opportunities: Mercury’s several discounts make its premiums even more affordable. Make sure you take the opportunity to get cheaper auto insurance in Long Beach.
• Specific California Insurance: Mercury’s experience with the state’s specific insurance requirements and regulations means you’ll get the necessary policy in Long Beach.
• Cheap Rates: Mercury is known for its cheap quotes. Long Beach drivers with a good driving record will find Mercury’s rates appealing. To learn more, read the Mercury auto insurance review.

Cons

• Possible Rate Increases: Some customers report unexpected rate hikes over time, even without filing claims or experiencing changes in their driving record in Long Beach.
• Fewer Discounts for Specialized Cases: Mercury offers many standard discounts, but it may not have a wide range of specialized cases for your needs in Long Beach, California.

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#5 – Progressive: Best for Usage-Based Savings

Pros

• Snapshot® Program for Discounts: This telematics option offers discounts based on safe driving habits, benefiting Long Beach drivers who practice cautious driving in the area’s heavy traffic
• Affordable Rates for Many Drivers: Progressive often offers competitive rates, especially for Long Beach drivers with good records and low mileage.
• Highly Rated Mobile and Online Apps: Progressive’s mobile app allows busy Long Beach customers to manage their policies quickly, receive 24-hour support to file claims, and even pay bills.

Cons

• Snapshot Not Ideal for All Drivers: Aggressive drivers in Long Beach may see their rates increase rather than decrease. Read the Progressive auto insurance review for their telematics review.
• Reckless Drivers Expect High Rates: Progressive’s rates may not be the lowest for Long Beach drivers with past accidents, tickets, or other risk factors such as DUIs and reckless driving.

#6 – Allstate: Best for Safe Driving

Pros

• Safe Driving Benefits: Allstate’s telematics program, Drivewise, offers potential savings for safe drivers in Long Beach by tracking driving habits. The Allstate auto insurance review can tell you more.
• Discount Opportunities: Allstate provides multiple discount options for California drivers; some examples include multi-policy, safe driving, anti-theft devices, new cars, and good student discounts.
• Claims Satisfaction Guarantee: Allstate does not charge you for your next premium if you are unhappy with how a claim is handled, which makes it one of the best Long Beach, CA, car insurances.

Cons

• Higher Rates for Certain Demographics: Allstate can be more expensive, especially for younger or reckless drivers. For some Long Beach residents, this may mean higher premiums.
• Drivewise Limitations: Some users report that it can be invasive and that sudden braking or time of day may unfairly impact discounts, especially in urban areas with high traffic, like Long Beach.

#7 – The Hartford: Best for Senior Discounts

Pros

• Older Drivers Specialized Coverage: The coverage offered is unique for older drivers. This includes RecoverCare, which helps cover everyday needs around Long Beach after an injury.
• Lifetime Renewability: Car insurance policies are renewed for those over a certain age in Long Beach, CA, as long as you meet a few eligibility requirements and searching for long-term insurance.
• Deductible Waivers: Hartford offers deductible waivers for specific incidents, which can reduce costs for your policy in Long Beach, CA. Read our The Hartford auto insurance review to learn more.

Cons

• Higher Premiums for Younger Drivers: Younger drivers will find they have more expensive car insurance quotes from Long Beach or limited policy options than older drivers.
• Fewer Customizable Policy Options: Many coverage options will not be available without being a non-AARP member, which can be lacking for what is needed in the Long Beach area.

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#8 – Travelers: Best for Customizable Policies

Pros

• Cheap, Competitive Rates for Coverage Options: Long Beach drivers with clean driving histories can expect competitive rates compared with other insurers.
• Plenty of Coverage Options: Travelers offer more than standard coverage. They also offer accident forgiveness and new car replacements, which benefit drivers in urban areas like Long Beach.
• IntelliDrive Program: IntelliDrive rewards safe driving by monitoring behavior and provides premium discounts based on good driving habits around Long Beach.
• Customizable Policies: Your policy can include add-ons like roadside assistance and accident forgiveness if you ever need help in Long Beach. Check out the Travelers auto insurance review.

Cons

• IntelliDrive Program Penalties: Driving late at night in areas with heavy traffic, like Long Beach, can impact scores and potentially raise premiums.
• Limited Availability of Local Agents: Travelers are less agent-focused, so another insurer would be better for customers who prefer in-person service in Long Beach.
• There are No Mobile App Features for IntelliDrive: The IntelliDrive app must remain installed for the entire six-month tracking period around the Long Beach area and provide limited feedback.

#9 – Liberty Mutual: Best for Discount Options

Pros

• Discount Variety: Liberty Mutual offers numerous discounts. It also provides a pay-per-mile program, which can benefit short commuters in Long Beach. Check out the Liberty Mutual auto insurance review.
• Local Agents and Digital Access: Liberty Mutual combines local agents with a user-friendly website and app for digital services. Long Beach drivers can choose whatever support they prefer.
• Strong Claims Support: Liberty Mutual also offers 24/7 claims support and roadside assistance in case of an accident through local agents and its digital app. This is perfect for Long Beach residents.

Cons

• Limited Customer Service in Some Areas: Availability and service quality may vary in different areas of Long Beach. Residents may find agent-based service inconsistent depending on location.
• Premium Increases after Claims: Liberty Mutual’s policies often see rate increases after minor incidents. Long Beach drivers looking for more stable premiums should consider another insurer.

#10 – AAA: Roadside Assistance

Pros

• High-Quality Roadside Assistance: AAA roadside assistance is known across the USA for its help, which is perfect for busy areas in Long Beach.
• Local Agents Around California: AAA has regional branches across Long Beach, which can provide a personalized experience for those looking for face-to-face service.
• Membership Benefits: AAA membership provides additional benefits for California drivers. To learn more, read the AAA auto insurance review.

Cons

• Roadside Assistance Limits: Your membership level has an annual limit on the number of service calls you can make in Long Beach, CA. If you go over the limit, you pay an additional assistance fee.
• Membership Requirement: To access AAA auto insurance, you must be an AAA member. This involves an annual fee, which can ramp up the general cost for those in the Long Beach area.

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Long Beach, CA’s Monthly Auto Insurance Rates and Coverage Levels

Residents can check different providers’ coverage levels in Long Beach, California, to find affordable rates. The table below shows the minimum and full coverage rates from those on our top ten list of the best Long Beach, CA, auto insurance companies.

Long Beach, CA Auto Insurance Monthly Rates by Provider & Coverage Level

If you act quickly, you can find affordable Long Beach, CA, auto insurance for as little as $48/mo with Mercury Insurance. On the other end of the spectrum, Liberty Mutual currently offers the highest premium rates in Long Beach.

Auto Insurance Coverage Requirements in California

When you’re looking for auto insurance in Long Beach, California, you need to follow California car insurance laws and regulations to drive legally:
California Minimum Auto Insurance Coverage Requirements

If the chart above looks strange, you don’t always have to buy more than liability coverage or as high an amount as other states require.

However, although bare minimum state liability coverage seems attractive, it might be better to protect yourself by spending a little more on your coverage.

Average Monthly Auto Insurance Premiums

Your typical California motorist is probably paying around $223 monthly for their comprehensive coverage car insurance premium. Are you wondering how to get lower premiums? The best way is to use the comparison tool below to get quotes in your area and lower premiums fast.

Cheap Auto Insurance in Long Beach, CA

Most motorists could get a reasonably low quote in Long Beach from Allstate, State Farm, or Nationwide. But remember that different companies charge drastically more (or delightfully less) based on other factors, including age, credit rating, and driving history.
Auto Insurance Discounts From the Top Providers in Long Beach, CA

Be sure to seek information from each company before switching. As noted in the table above, various insurers offer discounts to help you get cheap car insurance in Long Beach.
Long Beach, CA Report Card: Auto Insurance Premiums

Companies that supply automobile insurance policies evaluate numerous elements while calculating insurance rates, especially driving experience, ZIP code, type of vehicle owned, miles driven each year, and current insurance coverage and limits. Remember, premiums for California car insurance differ from one company to another.

There are many well-known insurance options in Long Beach, including Geico Insurance and Infinity Insurance. Evaluate cheap Long Beach motor vehicle insurance premiums online to determine if you still receive the lowest rates.

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Significant Factors in Cheap Auto Insurance in Long Beach, California

When looking for the cheapest insurance, you might feel slightly powerless once your automobile insurance company calculates your quote; after all, almost all of the factors they compute are out of your control.

Fortunately, there’s an auto insurance option guide to read later. Consider some factors you can change to get discounted rates in Long Beach. Keep reading to learn more.

Your ZIP Code

The place you store your vehicle each night will likely significantly influence your auto insurance rates. Usually, auto insurance is cheaper outside of major metropolitan areas because fewer vehicles on the road means you’re less likely to get into an accident.

The population of Long Beach is 469,428, and the average household income is $52,116. Check out the chart below for an example of how ZIP codes affect your insurance rates.

Long Beach, CA Auto Insurance Monthly Rates by ZIP Code

As you can see, there are significant differences in rates based on ZIP code. Are you tired of sifting through all the options after searching for “car insurance near me”? Easily compare auto insurance rates by using our comparison tool below.

Automotive Accidents

California is very car-friendly, but because there are so many drivers on the road, there is also an increased number of car accidents.
Long Beach, CA Auto Accident & Insurance Claim Statistics

However, if you qualify for a safe driving discount, you can avoid the increased rates common in cities with high accident rates. So brush up on your awareness of your surroundings and stay vigilant, as it’ll save big bucks in the long run.

Fatal Accidents in Long Beach, CA

The fatal accident statistics are in the table above; your insurance agent will have more information about this, as they will note areas where these accidents occur. Keep reading to learn more about factors affecting Long Beach auto insurance rates.

Auto Thefts in Long Beach

Almost all insurance agencies worry about auto theft, especially for drivers living in larger cities. Densely populated areas generally mean a greater chance that auto thieves could target you.

A recent report showed 2,355 stolen cars occurred in Long Beach in a year. Since this is a relatively large number, you may wish to add or increase comprehensive coverage on your policy. The chart below shows the differences between basic and comprehensive rates.

Long Beach, CA Auto Insurance Monthly Rates by Provider & Coverage Type

As you can see, comprehensive insurance must include coverage against theft, which is vital if your vehicle is stolen in Long Beach. If you secure your car with anti-theft devices, make sure you get an anti-theft device discount.

Your Credit Score

California is one of three states in the entire country where automotive insurance companies are not permitted to alter your rates based on your credit score. However, your credit score affects your car insurance premiums in other states.

This is good for anyone who has less than perfect credit; however, insurance companies will charge drivers with excellent credit a little bit more to offset the money they aren’t allowed to charge motorists with poor credit.

Your Age

It may not surprise you that young drivers pay some of the highest auto insurance rates. This is due to their lack of experience behind the wheel and tendency to engage in risky behavior.

If you’re 25 or younger, you may be able to reduce your rates by qualifying for a good student discount or driver’s education discount. You can see how insurance rates vary based on age in the chart below.

Long Beach, CA Auto Insurance Monthly Rates by Provider, Age, & Gender

As the chart shows, rates can differ by hundreds of dollars from many companies depending on the insured person’s age.

Your Driving Record

Have you ever heard of accident forgiveness discount rates? Suppose you have a minor accident or other non-serious citation on your record. Your provider may give you a break when calculating your Long Beach, CA, auto insurance rates.

Long Beach, CA Auto Insurance Monthly Rates by Driving Record

Keep in mind that not all insurance companies offer these discount rates, so make sure to check around. The chart above shows rates based on driving violations, so if you’re a high-risk driver, you’ll need to find a company that offers high-risk insurance cheaper than other insurers.

Your Vehicle

The most significant factor determining your auto insurance premium is the amount of coverage you buy. This is the primary reason luxury cars cost much more to insure, especially with the current increase in autonomous vehicles and people’s driving habits.

If you have an expensive car, you need to buy several kinds of coverage and ensure the amounts are sufficient to cover all potential costs for repair or replacement. In the table below, we’ve compared different vehicles and their average insurance premiums.

Long Beach, CA Auto Insurance Monthly Rates by Vehicle & Coverage Level

As the table above shows, a Dodge Grand Caravan has a monthly premium of only $183. Still, compared to a Toyota Tacoma at $210, there’s a $27 difference per month, a total of $324 annually.

Minor Factors in Cheap Auto Insurance in Long Beach, California

Some other factors may affect your auto insurance rates in Long Beach, like your marital status, just by bundling discount rates. Married couples can get discounts on auto insurance by bundling their policies together.

Your gender can also play a part in some insurance companies when setting auto insurance rates. When companies consider this factor, the difference in rates between men and women is usually negligible.

Lastly, your driving distance to work. Like many California cities, navigating the roads may be an arduous challenge for Long Beach drivers. Average commute times are generally between 30 and 35 minutes. Around 73% of commuters drive to work, while 13% carpool.

Your commute time may marginalize your auto insurance rates; however, if you need to register your car as a business vehicle, your rates may go up 10-12%. Check out the chart below for auto insurance rates based on commute distance in Long Beach.

Long Beach, CA Auto Insurance Monthly Rates by Annual Mileage

As you can see, USAA, Progressive, and Liberty Mutual offer lower rates for the number of miles traveled than other companies in the area; this could be due to their usage-based insurance programs available.

Your Coverage & Deductibles

We discussed deductibles earlier—the mandatory payments you must make to insurance companies before they will fulfill specific claims, such as comprehensive or collision claims.

Raising your deductible will give you lower rates for your monthly payments, but make sure you set aside some extra money so you can pay that deductible if you need to file a claim.

Education in Long Beach, CA

27% of Long Beach residents haven’t finished high school, while 19% have diplomas. Returning to school is never too late, which could significantly lower your auto insurance rates. Read more about our car insurance so that students can see the best insurers and tips and tricks for discounts.

Like DeVry University, California State University operates a satellite campus in Long Beach. Long Beach City College is also a good option for a relevant degree in half the time.

Vehicle insurance is one of the most significant investments you can make as a customer. You must find a reputable, dependable provider who will follow through on their claims.

Some insurance companies are better than others; a thorough internet search can help you distinguish the good from the bad.

The Right Long Beach Car Insurance For You

The best Long Beach, CA, auto insurance depends on what you desire in your policy. If you want cheap rates, you can choose Geico auto insurance. If you’re an older, mature driver, you choose The Hartford as they have additional benefits for your age. You need to search for a company that provides the best vehicle insurance.

Use our comparison tool below if you want cheap car insurance quotes in Long Beach, CA. Enter your ZIP code and find low-cost auto insurance quotes in minutes.