Cheapest Car Insurance Quotes in Long Beach

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Long Beach Car Insurance

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Long Beach

The car insurance rate in Long Beach is $1163 for a six-month policy, which is $152 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $738, making it a popular choice for budget-conscious drivers. Rates in Long Beach can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Long Beach

$1163

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Long Beach

1st place: CSAA

At $738 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $936 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $990 for six months, making it the third cheapest auto insurance company in Long Beach.

Long Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Long Beach, CA is CSAA, offering policies at just $738 for a six-month term. This is followed by USAA, which has an average six-month premium of $936.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $888 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Long Beach drivers find the best deals.

Cheap Car Insurance Companies in Long Beach, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$738	$124
USAA	$936	$158
Mercury	$990	$167
AAA SoCal	$1086	$185
Progressive	$1141	$192
Allstate	$1250	$210
Wawanesa	$1257	$212
AAA NorCal	$1271	$216
Auto Club	$1311	$218
State Farm	$1387	$233
AAA	$1578	$263
Kemper	$1633	$277
Farmers	$1824	$304
Capital Insurance Group	$813	$136
National General	$827	$140
State National	$841	$140
Hartford	$888	$151

Key Takeaways

Way's key takeaways about car insurance in Long Beach

The auto insurance costs in Long Beach fall around $738 for six months.
The cheapest auto insurance company in Long Beach is CSAA.
Teen drivers pay the highest rate in Long Beach at $77 per month.

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Cheapest Minimum Liability Car Insurance in Long Beach

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Long Beach are given below.

CSAA provides the cheapest minimum car insurance coverage in Long Beach. Their Average 6 Month Premium is $177. 21st Century is the most expensive at $465 for the same period.

Cheapest Liability Coverage in Long Beach, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$177	$30
AAA	$314	$53
USAA	$328	$55
AAA NorCal	$342	$57
AAA SoCal	$390	$67
Progressive	$397	$67
Auto Club	$402	$69
State Farm	$416	$70
Wawanesa	$423	$71
Mercury	$451	$76
Allstate	$485	$82
Farmers	$581	$97
Kemper	$321	$54
Capital Insurance Group	$348	$60
State National	$369	$63
National General	$458	$76
21st Century	$465	$79

Cheapest Full Coverage Car Insurance in Long Beach

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Long Beach is CSAA at $124 per month and $738 for six months.

Cheapest Full Coverage Car Insurance Quotes in Long Beach, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$738	$124
USAA	$936	$158
Mercury	$990	$167
AAA SoCal	$1086	$185
Progressive	$1141	$192
Allstate	$1250	$210
Wawanesa	$1257	$212
AAA NorCal	$1271	$216
Auto Club	$1311	$218
State Farm	$1387	$233
AAA	$1578	$263
Kemper	$1633	$277
Farmers	$1824	$304
Capital Insurance Group	$813	$136
National General	$827	$140
State National	$841	$140
Hartford	$888	$151

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Average Car Insurance in Long Beach by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Long Beach, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Long Beach, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Long Beach's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Long Beach

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$673
30s	Wawanesa	$543
40s	Wawanesa	$543
50s	Wawanesa	$543
60s	Wawanesa	$543
70s	Wawanesa	$531

Cheapest Car Insurance Rates for Teen Drivers in Long Beach,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Long Beach at $45 per month. At $451 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$267	$45
Capital Insurance Group	$601	$100
USAA	$1434	$241
Mercury	$1455	$245
Wawanesa	$1598	$271
Progressive	$1673	$282
CSAA	$2015	$339
State Farm	$2391	$402
AAA SoCal	$2589	$440
Allstate	$2774	$467
Auto Club	$2958	$503
AAA NorCal	$3941	$657
Farmers	$4024	$684
State National	$430	$71
Marcury	$451	$77

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Long Beach.

As young drivers face the highest rates in Long Beach, Wawanesa offers the cheapest auto insurance rates at $673 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Save up to $971/yr on car insurance rates in Long Beach.

Car Insurance Rates with An Accident in Long Beach

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Long Beach, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Long Beach

The cheapest car insurance companies after an at-fault accident in Long Beach include AAA and Capital Insurance Group, offering $437 and $628, respectively. 21st Century is an expensive provider with an average six-month premium of $785.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$437	$74
Capital Insurance Group	$628	$107
CSAA	$841	$141
USAA	$1257	$212
Progressive	$1455	$245
Mercury	$1543	$262
Wawanesa	$1776	$296
AAA SoCal	$1865	$317
Auto Club	$1968	$328
Farmers	$2022	$340
State Farm	$2405	$405
AAA NorCal	$2575	$438
Allstate	$3095	$521
State National	$519	$86
Hartford	$601	$102
National General	$690	$115
Nationwide	$744	$126
21st Century	$785	$131

Long Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Long Beach CA. For example, the car insurance in Long Beach after a DUI increases to $2001 for a six month policy. While the rate increases by $526 for a six-month policy in the case of a speeding ticket.

Long Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1250	$208
Not-at-fault accident	$1250	$213
One comp claim	$1250	$208
One Med/PIP claim	$1250	$213
Two comp claims	$1250	$208
Two Med/PIP claims	$1250	$213
At-fault accident - less than $1000	$1278	$213
Failure to show documents	$1647	$279
Driving with expired registration	$1680	$281
Driving without lights	$1680	$285
Failure to wear a seat belt	$1687	$282
Child safety restraint	$1701	$289
Speeding 11 - 15 MPH over limit	$1769	$294
Speeding 16 - 20 MPH over limit	$1769	$301
Driving too slowly	$1776	$296
Failure to stop at a red light	$1776	$302
Failure to yield	$1776	$296
Following too closely	$1776	$302
Illegal turn	$1776	$296
In 65 MPH zone	$1776	$302
Speeding 21 - 25 MPH over limit	$1776	$296
Speeding 6 - 10 MPH over limit	$1776	$302
Speeding in school zone	$1776	$296
Improper passing	$1782	$304
Cell phone violation	$1789	$298
Texting while driving	$1789	$305
Passing school bus	$1810	$301
Wrong way/wrong lane	$2117	$360
Operating a vehicle without permission	$2165	$361
At-fault accident - $1000-$2000	$2179	$370
At-fault accident - greater than $2000	$2179	$363
Open container	$2186	$371
Driving with a suspended license	$2535	$422
Reckless driving	$3088	$526
Racing	$3122	$520
Leaving scene of an accident/hit and run	$3135	$534
DUI	$3251	$542
Refusal to submit to a chemical test	$3251	$553

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Long Beach after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Long Beach.

The cheapest car insurance premiums in Long Beach are offered by AAA at $860 for a six-month policy. However, it can be as expensive as $725 with companies like Kemper.

Long Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$860	$146
Capital Insurance Group	$936	$156
Mercury	$1113	$187
Progressive	$1647	$277
Wawanesa	$2001	$340
Farmers	$2124	$358
USAA	$2261	$381
CSAA	$2391	$402
AAA SoCal	$3457	$588
Auto Club	$3955	$659
AAA NorCal	$4556	$775
State Farm	$4863	$819
Allstate	$5007	$843
Travelers	$964	$161
National General	$451	$75
Kemper	$725	$121

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Long Beach are offered by CSAA at $109. However, it can be as expensive as $519 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Long Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$109	$18
Capital Insurance Group	$601	$100
Mercury	$1025	$173
USAA	$1073	$178
Progressive	$1155	$194
AAA NorCal	$1598	$267
AAA SoCal	$1715	$292
Allstate	$1763	$293
State Farm	$1865	$317
Farmers	$2582	$430
AAA	$335	$56
Kemper	$423	$72
National General	$451	$75
State National	$519	$89

Car Insurance Price Trends in Long Beach, California

Car insurance rates in Long Beach have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Long Beach rose by $221 in December compared to $218 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Long Beach rose to $62 in December, compared to $60 in November. This represents an increase of $2 when comparing December and November.

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Average Car Insurance Cost in Long Beach by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Long Beach. At $1255 for a six-month policy, insuring your car at 90808 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
90808	$1255	$211
90807	$1232	$207
90822	$1162	$195
90810	$1244	$209
90813	$1302	$218
90802	$1255	$211
90815	$1255	$211
90804	$1255	$211
90803	$1232	$207
90814	$1209	$203
90806	$1255	$211
90805	$1395	$234

Frequently Asked Questions

How much is car insurance in Long Beach?

The car insurance in Long Beach is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Long Beach?

The cheapest car insurance in Long Beach is $124 per month for full coverage.

How much is car insurance in Long Beach for teenagers?

Car insurance for teenagers costs $267 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Long Beach?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $195 per month to insure your car in Long Beach.

Is car insurance expensive in Long Beach?

Car insurance can be expensive in Long Beach if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Long Beach can be affordable.

Cheapest Car Insurance Quotes in Long Beach

Why you can trust Way?

How Much Is Car Insurance in Long Beach

Avg. Car Insurance in Long Beach

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Long Beach

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Long Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Long Beach, CA

Way's key takeaways about car insurance in Long Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Long Beach

Cheapest Liability Coverage in Long Beach, CA

Cheapest Full Coverage Car Insurance in Long Beach

Cheapest Full Coverage Car Insurance Quotes in Long Beach, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Long Beach by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Long Beach, CA increasing?

Car Insurance Premiums by Age in Long Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Long Beach,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Long Beach.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Long Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Long Beach

Long Beach Car Insurance Rates by Violation

Long Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Long Beach after a DUI

Long Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Long Beach after Speeding ticket

Car Insurance Price Trends in Long Beach, California

Average Car Insurance Cost in Long Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Long Beach, CA

Car Insurance Rates by State in the USA (2025 Update)

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