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Here Are The Cheapest Auto Insurance Quotes in Long Beach, CA

Find the Cheapest Car Insurance Quotes in Your Area

Our analysts conducted a survey of auto insurance quotes in Long Beach, California. We found that the average price for car insurance in the city is $2,199, which is similar to the statewide average. Car insurance quotes in Long Beach varied by as much as $4,000, depending on which insurance company you go with. Our findings show that Everest National displayed the most consistently low prices, while Viking and Liberty Mutual were among the most expensive in the city. Check out the rest of this guide to learn more about how car insurance quotes vary in Long Beach, and what you should do to pay as little as possible.

Cheapest Car Insurance in West Hollywood, CA

The first step in understanding the landscape of car insurance in Long Beach is taking a look at all the car insurance companies in the city. We did this, and found that the average price quoted, for a sample driver, was $2,199. The chart below shows the cheapest and most expensive Long Beach insurers. If you want to see the quote we obtained for a particular insurer, check out the table below the graphs for a breakdown of every insurer we surveyed. 
CompanyAverage Annual Premium
Everest National$798
Metromile$1,059
USAA$1,498
Horace Mann Prop and Cas$1,521
Wawanesa$1,532
Alliance United$1,573
Horace Mann$1,578
Metropolitan Direct$1,584
California Casualty$1,639
California Capital$1,708
Government Employees Ins Co$1,711
Amica Mutual$1,748
Infinity$1,829
CSE Safeguard$1,832
Encompass$1,889
Mercury$1,935
IDS$1,992
Pacific Property & Casualty$2,015
Nations Ins. Co.$2,030
Safeco$2,050
Progressive West$2,087
Traveler’s Commercial$2,092
Kemper$2,099
United Financial Cas (Progressive)$2,163
Permanent General$2,184
AAA$2,221
21st Century$2,230
Western General$2,256
National General/Integon$2,265
Allstate$2,335
Financial Indemnity$2,361
Coast National$2,392
Esurance$2,426
MAPFRE$2,464
Nationwide$2,471
Safeway$2,636
Federal Ins (CHUBB)$2,657
Farmers$2,659
Anchor General$2,699
State Farm$2,882
Hartford$3,068
Bankers Standard$3,166
Liberty Mutual$3,694
Viking$5,751
As you go about picking an insurer, we strongly urge all readers to obtain at least 3-5 quotes before making their final selection. While the above sampling of quotes provides good insights into the cheapest and most expensive insurers in Long Beach, it is by no means the source of truth for all people and all driver profiles. This guide is meant to be more directional, in helping readers narrow down their search. However, you should consider, among other things, your own quoted premium, consumer reviews and your experience with customer service, before settling on any single insurer.

What Are The Cheapest Cars to Insure?

To produce an exhaustive guide to car insurance in Long Beach, we also took a look at which vehicles are more or less expensive to insure in the city. We only did this because it’s a question that frequently pops up among readers. However, as we explain below, this shouldn’t be the only way you think about the price of your car insurance policy. Still, in Long Beach, the Toyota Highlander had the lowest car insurance rates among the cars we surveyed. Conversely, BMWs had some of the most expensive quotes among all vehicles. The table blow shows a sampling of vehicles and their insurance prices for a sample driver profile.
CarAvg. Annual Insurance Premium
BMW$2,932
Ford$2,247
Honda Accord$2,360
Toyota Highlander$2,223
Readers should know that the type of car they own isn’t the most influential factor in how much they pay for their insurance. As a matter of fact, your risk profile as a driver is the chief factor driving up your insurance costs. For example, if you had a previous moving violation or you filed an insurance claim in the last few years, you will pay a lot more for insurance than if you didn’t have those two negative marks on your record. The amount your monthly premiums will increase from those types of factors will influence your final bill significantly more than the type of car you drive.

What’s the Minimum Amount of Car Insurance I Need in Long Beach?

If you live in Long Beach, the state of California imposes minimum auto insurance requirements on you. This is to make sure that, if you get into an accident, you have enough coverage to pay for any damages you cause. States require most drivers to have liability and property coverage. For California, these are the minimum requirements:
  • $15,000 for injury/death to one person.
  • $30,000 for injury/death to more than one person.
  • $5,000 for damage to property.
While that is the bare minimum insurance someone living in Long Beach is required to have, we recommend drivers get more if they can afford to. As a matter of fact, you should have enough liability insurance coverage to cover your total net worth. This is so you can be protected in the event of a lawsuit resulting from a car accident. While increasing your coverage limits might increase your car insurance quote by a hundred dollars per year, it may cause you to save thousands of dollars in the future.

Methodology

This guide was created with data from the California Department of Insurance. We surveyed quotes from insurers for a sample driver profile (listed below), and compared the relative price differentials between vehicle types as well as insurers. While the actual price you pay for insurance may vary, the relative differences across insurers and vehicle types are likely to remain constant.
  • Coverage Type: Standard
  • Location: All
  • Insurance For: Male
  • Years Licensed: 9 to 15
  • Mileage: 7,600 – 10,000
  • Driving Record: No Violations
  • Vehicle: Honda Accord
Help us make our guides better. Leave a comment below telling us how much you pay for insurance, which company you use and what your driver profile is!